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Earnings transcript
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ACGL
Arch Capital Group Ltd.
$96.74
1.25
(1.31%)
| Exchange: | NASDAQ |
| Market Cap: | 34.466B |
| Shares Outstanding: | 150M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Insurance – Diversified | |||||
| CEO: | Nicolas Alain Emmanuel Papadopoulo | |||||
| Full Time Employees: | 7200 | |||||
| Address: |
| |||||
| Website: | https://www.archgroup.com |
Arch Capital Group Ltd., together with its subsidiaries, provides insurance, reinsurance, and mortgage insurance products worldwide. The company’s Insurance segment offers primary and excess casualty coverages; loss sensitive primary casualty insurance programs; collateral protection, debt cancellation, and service contract reimbursement products; directors’ and officers’ liability, errors and omissions liability, employment practices and fiduciary liability, crime, professional indemnity, and other financial related coverages; medical professional and general liability insurance coverages; and workers’ compensation and umbrella liability, as well as commercial automobile and inland marine products. It also provides property, energy, marine, and aviation insurance; travel insurance; accident, disability, and medical plan insurance coverages; captive insurance programs; employer’s liability; and contract and commercial surety coverages. This segment markets its products through a group of licensed independent retail and wholesale brokers. Its Reinsurance segment provides casualty reinsurance for third party liability and workers’ compensation exposures; marine and aviation; surety, accident and health, workers’ compensation catastrophe, agriculture, trade credit, and political risk products; reinsurance protection for catastrophic losses, and personal lines and commercial property exposures; life reinsurance; casualty clash; and risk management solutions. This segment markets its reinsurance products through brokers. The company’s Mortgage segment offers direct mortgage insurance and mortgage reinsurance. The company was incorporated in 1995 and is based in Pembroke, Bermuda.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 13,294,000 | 17,440,000 | 19,929,000 |
| Gross Profit | 4,736,000 | 6,447,000 | 7,406,000 |
| EBITDA | 3,613,000 | 4,850,000 | 5,352,000 |
| Operating Income | 3,107,000 | 4,474,000 | 4,979,000 |
| Net Income | 4,443,000 | 4,312,000 | 4,399,000 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 58,906,000 | 70,906,000 | 67,056,000 |
| Total Liabilities | 40,551,000 | 50,086,000 | 42,850,000 |
| Total Stockholders Equity | 18,353,000 | 20,820,000 | 24,206,000 |
| Total Debt | 2,726,000 | 2,728,000 | 2,729,000 |
| Cash and Cash Equivalents | 917,000 | 979,000 | 993,000 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 5,749,000 | 6,673,000 | 6,172,000 |
| Capital Expenditure | -52,000 | -51,000 | -44,000 |
| Free Cash Flow | 5,697,000 | 6,622,000 | 6,128,000 |
| Net Income | 4,443,000 | 4,312,000 | 4,399,000 |
| Net Change in Cash | 225,000 | 262,000 | 307,000 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 19,422,447.186 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 20,069,749.433 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 19,710,545.485 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 4,884,244.845 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 5,047,024.675 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 4,956,694.141 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 3,711,779.802 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 4,594,862.605 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 3,736,817.400 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 474,381.978 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 490,191.959 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 481,418.612 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 10.760 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 12.220 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 9.870 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 2 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 3 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates ACGL intrinsic value between $161.85 – $255.21 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about ACGL valuation
Is Arch Capital Group Ltd. (ACGL) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Arch Capital Group Ltd. (ACGL) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is ACGL a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether ACGL trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is ACGL’s P/E ratio?
You can see ACGL’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for ACGL?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is ACGL a good long-term investment?
Whether ACGL fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
ACGL
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Daily snapshot
1.31
Trading Metrics:
| Open: | 95.83 | Previous Close: | 95.49 | |
| Day Low: | 95.57 | Day High: | 97.14 | |
| Year Low: | 82.45 | Year High: | 103.39 | |
| Price Avg 50: | 96.45 | Price Avg 200: | 92.2 | |
| Volume: | 1.364M | Average Volume: | 1.903M |
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