# Arch Capital Group Ltd. (ACGLO)

> Source: Nexqual · https://nexqual.com/ACGLO · data as of 2026-10-23 20:00 UTC · cite as "Nexqual, Arch Capital Group Ltd. (ACGLO), nexqual.com/ACGLO" · informational, not investment advice.

**Price:** USD 18.07 (+0.28% on the day) · last close of Oct 23, 2026; US market closed, not a live price. Prev close 18.02 · day 18.01–18.2 · 52w 17.91–21.84 · market cap null · NMS

## Key facts
- Last four reported quarters (through Jun 30, 2026): revenue $19.2B, net income $4.69B (24.4% margin), free cash flow $6.05B (SEC filings).
- Insider open-market sales, last ~7 months: 3 Form 4 filings, $1.2M; 3 not under a Rule 10b5-1 plan ($1.2M); 1 by opportunistic insiders (1 outside 10b5-1 plans), 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
- Insider open-market purchases, last ~7 months: 1 Form 4 filing, $499K; 0 by opportunistic insiders, 0 by routine insiders.
- Analysts: None.
- Total return with dividends: 1Y -11.3% vs S&P 500 +13.4%; 5Y -5.1% vs S&P 500 +76.9%.

## Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $9.25B | $9.61B | $13.6B | $17.4B | $19.9B | $19.2B |
| Net income | $2.16B | $1.48B | $4.44B | $4.31B | $4.40B | $4.69B |
| EPS (diluted) | $5.23 | $3.80 | $11.62 | $11.19 | $11.60 | — |
| Free cash flow | $3.38B | $3.77B | $5.70B | $6.62B | $6.13B | $6.05B |
| Net margin | 23.3% | 15.4% | 32.6% | 24.7% | 22.1% | 24.4% |
| Revenue growth | +8.7% | +3.9% | +41.8% | +27.9% | +14.3% | — |
| Cash + short-term investments | $859M | $855M | $917M | $979M | $993M | — |
| Total debt | $2.72B | $2.73B | $2.73B | $2.73B | $2.73B | — |
Fiscal years end Dec. EPS is split-adjusted.

## Valuation (price ÷ last four quarters, through Jun 30, 2026)

P/E at fiscal year-ends: Dec 2025 1.7x, Dec 2024 1.9x, Dec 2023 2.0x.

## Insider sales (SEC Form 4, open-market, last ~7 months)
0 of 3 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.
| Trade date | Insider | Role | Shares | Value | % of holdings sold | 10b5-1 plan | Insider type |
|---|---|---|---|---|---|---|---|
| 2026-08-18 | Morin Francois | CFO and Treasurer | 11,010 | $1.1M | 3.6% | No | Opportunistic (traded every year 2023–2025, no repeating month) |
| 2026-06-03 | Posner Brian S | Director | 3,000 | $59K | 100% | No | Too little history (no open-market trades in 2023 or 2024) |
| 2026-05-11 | Posner Brian S | Director | 2,000 | $34K | 100% | No | Too little history (no open-market trades in 2023 or 2024) |
% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).
Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.

## Insider purchases (SEC Form 4, open-market, last ~7 months)
1 purchase, $499K. Private placements, offerings, dividend reinvestment and employee stock purchase plan buys are excluded.
| Trade date | Insider | Role | Shares | Value | Avg price | Insider type |
|---|---|---|---|---|---|---|
| 2026-04-30 | Houston Daniel Joseph | Director | 5,300 | $499K | 94.08 | Too little history (no open-market trades in 2023–2025) |

## Analysts
Consensus None.

## Total return (dividends reinvested)
|  | 1Y (from 2025-10-24) | 5Y (from 2021-10-25) |
|---|---|---|
| Total return | -11.3% | -5.1% |
| S&P 500 (SPY) | +13.4% | +76.9% |
| Per year | -11.3% | -1.0% |
| Volatility (annualized) | 9.4% | 14.2% |
| Max drawdown | -11.6% (Oct 2025→Oct 2026) | -19.2% (Nov 2021→Oct 2022) |

## Peers (Insurance - Diversified)
BRK-A (Berkshire Hathaway Inc.) USD 813,595 -0.84% · SLF (Sun Life Financial Inc.) USD 79.08 -2.14% · AIG (American International Group, I) USD 81.26 -2.13% · HIG (The Hartford Insurance Group, I) USD 136.76 -1.93% · AEG (Aegon Ltd. New York Registry Sh) USD 8.1 -1.34% · BNT (Brookfield Wealth Solutions Ltd) USD 37.95 -0.81%

## More
Full page: https://nexqual.com/ACGLO · Free keyless MCP server with the same data and citations: https://mcp.nexqual.com/mcp · Guide for agents: https://nexqual.com/agents · https://nexqual.com/llms.txt

## Company outlook (8-K filed 2026-07-28)

- "The Company expects to use the net proceeds from this offering to repay its 4.011% senior notes due in 2026, fund purchases from the cash tender offers described below, and for general corporate purposes."

## Analyst estimates and revisions

| Period | EPS est. | 90d ago | Change | Revenue est. | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends 2026-09-30) | — | — | — | $3.79B | — |
| Next quarter (ends 2026-12-31) | — | — | — | $3.52B | — |
| Current fiscal year (ends 2026-12-31) | — | — | — | $15.78B | — |
| Next fiscal year (ends 2027-12-31) | — | — | — | $15.77B | — |