Stock Analysis
Arch Capital Group LtdACGL
P/E 7.36×· 5Y range 6.18–19.77×· bottom 21% of history
Sector: Financial Services · Industry: Fire, Marine & Casualty Insurance
AnalystsBuy28 analystsP/E 7.4× sits at the 21st percentile of its 5.089664613278576-year history.
Cash covers 26% of debt · Q2 2026.
PMP Verdict
Strong business, attractive price
Strengths
- Profitability90
- Quality80
High-quality business at an attractive price.
Bull Case
- ✓ROE 19.5% — efficient capital deployment
- ✓Revenue CAGR 21.2% — durable top-line growth
- ✓Interest coverage 29.4× — debt well covered
- ✓P/E 7.4× at bottom 21% of 5-year history
What's happening with ACGL
Profile
Strong valuation, profitability, earnings quality and growth.
How is each axis scored?
- Valuation95/100 · Strong
- P/E vs own history (21th pct)20/25
- FCF yield (17.7%)25/25
- P/S (1.8x)25/25
- EV/EBIT (6.9x)25/25
- Growth75/100 · Strong
- Revenue CAGR (21.2%)25/25
- Net income CAGR (20.4%)25/25
- EPS CAGR 5Y (22.3%)25/25
- Fwd implied growth (-25.8%)0/25
- Profitability90/100 · Strong
- ROIC (15.7%)20/25
- ROE (19.5%)20/25
- Net margin (24.4%)25/25
- Operating margin (28.1%)25/25
- Financial Health54/100 · Moderate
- Altman Z (0.68)3/25
- Current ratio (0.72)6/25
- Interest coverage (29.4x)25/25
- Net cash / debt (D/A 4%)20/25
- Quality80/100 · Strong
- Piotroski F (6/9)15/25
- Beneish M (-2.42)20/25
- FCF conversion (129%)25/25
- Margin stability (σ 7.6%)20/25
- Moat63/100 · Moderate
- ROIC >12% years (5/10 yrs)13/25
- Median gross margin (n/a)0/25
- FCF-positive years (9/9 yrs)25/25
- Worst-year net margin (worst 11.0%)25/25
Risk Flags
- ⚠Altman Z 0.7 — distress-zone balance sheet
About Arch Capital Group Ltd
Arch Capital Group Ltd is a Bermuda company that writes insurance and reinsurance with operations in the United States, Canada, Europe, Australia, and the United Kingdom. Show more
The business operates through three underwriting segments: insurance, reinsurance, and mortgage. The insurance segment provides specialty risk solutions to clients across various industries. The reinsurance segment provides reinsurance services which cover property catastrophe, property, liability, marine, aviation and space, trade credit and surety, agriculture, accident, life and health, and political risk. The mortgage business provides risk management and risk financing products to the mortgage insurance sectors through platforms in the U.S., Europe and Bermuda.
Headquarters: PEMBROKE, D0 · Employees: 8,000 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
95A+P/E (TTM)7.3xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 6.2x–19.8x · 21st pct
P/FCF5.6xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield17.7%A
Grade A: ValueTTM (OCF − CapEx) / Market Cap — vs own 5Y history: 11.8%–20.6% · 62nd pct
P/S (TTM)1.78xA
Grade A: CheapPrice / TTM Revenue (own statements) — vs own 5Y history: 1.6x–3.0x · 17th pct
EV/EBIT6.9xA
Grade A: CheapEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 5.8x–7.3x · 89th pct
EV/Sales2.0xB
Grade B: FairEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E9.8xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio1.42xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio18.54D
Grade D: ExpensiveFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield0.13%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio1.0%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
90A+ROIC15.7%A
Grade A: MoatNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE19.5%C
Grade C: AverageReturn on Equity. Neg. equity = heavy buybacks
ROA5.8%C
Grade C: AverageReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin24.4%A
Grade A: HighNet Income / Revenue
Operating Margin28.1%A
Grade A: HighTTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin31.5%A
Grade A: HighFCF / Revenue
True FCF Margin30.7%A
Grade A: HighTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
75B+Revenue CAGR21.2%A
Grade A: HighCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR20.4%A
Grade A: HighCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)22.3%A
Grade A: HighCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth-25.8%D
Grade D: Decl.Analyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-16.3%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income3.1%A
Grade A: LowStock-based comp/Net income. >30% = dilution risk
SBC / Revenue0.8%A
Grade A: LowTTM stock-based comp / TTM Revenue
Financial Health
54CAltman Z-Score0.68D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio0.72xD
Grade D: LowCurrent Assets/Liabilities
Quick Ratio0.72xC
Grade C: Ok(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage29.4xA
Grade A: StrongEBIT/Interest. >10 Strong
Debt Repayment0.5yA
Grade A: FastYears to repay net debt via FCF
Net Debt/EBIT0.6xA
Grade A: LowLeverage. <2x Low, >4x High
Debt/Equity0.18xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.26xD
Grade D: ThinCash covers how much of total debt. >1 = could repay all debt from cash
Quality
80APiotroski F-Score6/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.42A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion129.0%A
Grade A: StrongFCF / Net Income
Margin Stability7.6%A
Grade A: StableEBIT margin std deviation. Lower = stable
Capex / Revenue0.2%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.23xD
Grade D: LowRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Morin Francois Filed | Morin Francois | Option exercise | -11010 | |
Morin Francois Filed | Morin Francois | SellOpen market sale | -11010 | |
Morin Francois Filed | Morin Francois | Option exercise | +11.0K | |
PASQUESI JOHN M Filed | PASQUESI JOHN M | Gift | +1.01M | |
PASQUESI JOHN M Filed | PASQUESI JOHN M | Gift | -1006700 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Posner Brian S Filed | Posner Brian S | SellOpen market sale | -3000 | |
Posner Brian S Filed | Posner Brian S | SellOpen market sale | -2000 | |
Ebong Francis Filed | Ebong Francis | Grant / award | +2.1K |
Option exercise (M) rows report a derivative leg, not an open-market sale — a paired negative entry is the option position being consumed.
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
63BROIC >12% Years5/10 yrsC
Grade C: ModerateShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years9/9 yrsA
Grade A: DurableShare of completed fiscal years with positive free cash flow
Net Margin Floor11.0%A
Grade A: DurableWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$13.75
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$2.30
Cash & short-term investments per share (Finnhub)
Book Value / Share$70.49
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$4.29B
Total debt obligations (short + long term)
Cash & Equiv.$1.11B
Cash and short-term investments
Net Debt$3.18B
Total Debt minus Cash. Negative = Net Cash position
Total Equity$24.03B
Shareholders' equity (book value)
Asset / Liability—
Total Assets / Total Liabilities
Market
Market Cap$34.22B
Current Market Capitalization
Beta0.23B
Grade B: DefensivePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: Arch Capital Group Ltd (ACGL)
ACGL is up 1.97% at the last close. Piotroski F-Score of 6/9 indicates mixed fundamentals for Arch Capital Group Ltd. Altman Z-Score of 0.68 is below the 1.81 distress threshold — an elevated financial-risk flag. Beneish M-Score of -2.42 suggests a low likelihood of earnings manipulation.
- Revenue has compounded at roughly 21% annually, with net income growing about 20% per year — a strong growth profile.
- Arch Capital Group Ltd converts about 31% of revenue into free cash flow — strong cash generation.
- Takes ~0.5 years to repay net debt from free cash flow.
- At a valuation score of 95/100, ACGL trades near the cheapest end of its own historical range (P/E 7.3).
See how ACGL ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all ACGL moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 8 | Regular | 96.27 | +2.05% | 2.01 |
Frequently Asked Questions about ACGL
What is the current Arch Capital Group Ltd (ACGL) stock price?
ACGL is trading at $101.27 at the last market close, up 1.97% on the session. PreMarketPrice tracks ACGL pre-market, intraday and after-hours prices.
Is ACGL stock a buy right now?
PreMarketPrice's quantitative model rates Arch Capital Group Ltd's financial health at 54/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is ACGL stock overvalued?
Arch Capital Group Ltd trades at a trailing P/E of 7.3 and our valuation score rates it 95/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Arch Capital Group Ltd report earnings?
No confirmed earnings date is currently scheduled for ACGL. The Earnings section lists recent reports and updates as dates are announced.
What sector does Arch Capital Group Ltd operate in?
Arch Capital Group Ltd operates in the Financial Services sector, within the Fire, Marine & Casualty Insurance industry. The Related Stocks section lists sector peers for comparison.
What does Arch Capital Group Ltd do?
Arch Capital Group Ltd is a Bermuda company that writes insurance and reinsurance with operations in the United States, Canada, Europe, Australia, and the United Kingdom.
About Arch Capital Group Ltd (ACGL) Stock
Arch Capital Group Ltd (ACGL) is a US-listed stock operating in the Financial Services sector, specifically the Fire, Marine & Casualty Insurance industry. As of the latest update, Arch Capital Group Ltd is trading at $101.27, up 1.97% on the day with a market capitalization of $34.2 billion. The financial health score for ACGL is 54/100, which indicates moderate financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for ACGL stock.
ACGL Stock Analysis & Key Metrics
On PreMarketPrice, you can track Arch Capital Group Ltd (ACGL) across multiple dimensions:
- Pre-market price & movement: Real-time ACGL stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for ACGL with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Arch Capital Group Ltd across multiple reporting periods.
- Financial health score: A composite score of 54/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for ACGL.
- Sector peers: Compare ACGL against 6 other financial services stocks on key financial metrics.
Is ACGL a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Arch Capital Group Ltd (ACGL) as an investment. The financial health score of 54/100 suggests moderate financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Arch Capital Group Ltd (ACGL) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.