Arch Capital Group Ltd. (ACGL) Financial Statements

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Arch Capital Group financial statements at a glance

Arch Capital Group reported revenue of $19.29 billion for fiscal year 2025 (ended December 31, 2025), up 14.0% from fiscal year 2024. Net income was $4.36 billion, a net margin of 22.6%, and diluted earnings per share were $11.60.

At the end of fiscal year 2025 it had total assets of $79.24 billion, total liabilities of $55.04 billion and shareholders' equity of $24.21 billion, with cash and short-term investments of $11.54 billion and total debt of $2.73 billion.

Its operations brought in $6.17 billion of cash; capital spending was $44.00 million, leaving free cash flow of $6.13 billion.

The tables below show the income statement, balance sheet and cash flow statement; the key figures of the last 5 fiscal years are at the bottom of the page.

Figures from company filings, in USD; latest fiscal year ended December 31, 2025.

ACGL logo

Arch Capital Group Ltd.

ACGLBermuda
Financial Services
USD (Local)

Income Statement

Annual • USD

Total Revenue
19.29B
Prev Year: 16.93B
YoY: +14.0%
Total Premiums Earned
-
Prev Year: 15.10B
Other Income Expense
271.00M
Prev Year: 68.00M
YoY: +298.5%
Net Premiums Written
-
Prev Year: 15.73B
Total Expenses
14.31B
Prev Year: 12.46B
YoY: +14.9%
Loss Adjustment Expense
9.37B
Prev Year: 8.34B
YoY: +12.3%
Net Policyholder Benefits And Claims
9.37B
Prev Year: 8.34B
YoY: +12.3%
Net Non Operating Interest Income Expense
-148.00M
Prev Year: -141.00M
YoY: -5.0%
Policy Acquisition Expenses
-
Prev Year: 2.65B
Non-operating Interest Expense
148.00M
Prev Year: 141.00M
YoY: +5.0%
Other Operating Expenses
1.96B
Prev Year: 1.67B
YoY: +17.3%
Selling General and Administrative
-
Pre-tax Income
4.98B
Prev Year: 4.47B
YoY: +11.3%
Provision for Income Taxes
760.00M
Prev Year: 362.00M
YoY: +109.9%
Net Income Common Stockholders
4.36B
Prev Year: 4.27B
YoY: +2.0%
Net Income
4.40B
Prev Year: 4.31B
YoY: +2.0%
Net Income Including Non-Controlling Interests
4.40B
Prev Year: 4.31B
YoY: +2.0%
Net Income from Continuing Operations
4.40B
Prev Year: 4.31B
YoY: +2.0%
Diluted NI Available to Com Stockholders
4.36B
Prev Year: 4.27B
YoY: +2.0%
Net Income from Continuing and Discontinued Operation
4.40B
Prev Year: 4.31B
YoY: +2.0%
Normalized Income
4.40B
Prev Year: 4.31B
YoY: +2.0%
EBIT
5.13B
Prev Year: 4.62B
YoY: +11.1%
Reconciled Depreciation
193.00M
Prev Year: 235.00M
YoY: -17.9%
Net Income from Continuing Operation Net Minority Interest
4.40B
Prev Year: 4.31B
YoY: +2.0%
Tax Rate for Calcs
0.147
Prev Year: 0
Interest Expense
148.00M
Prev Year: 141.00M
YoY: +5.0%
Net Interest Income
-148.00M
Weighted Average Shares (diluted)
375.90M
Prev Year: 381.80M
YoY: -1.5%
Weighted Average Shares (basic)
368.40M
Prev Year: 372.50M
YoY: -1.1%
Diluted EPS
11.6
Prev Year: 11.19
YoY: +3.7%
Basic EPS
11.83
Prev Year: 11.47
YoY: +3.1%
Preferred Stock Dividends
40.00M
Prev Year: 40.00M
YoY: 0.0%
Equity in Earnings of Affiliates, Net of Tax
180.00M
Prev Year: 200.00M
YoY: -10.0%
Depreciation and amortization
193.00M
Prev Year: 235.00M
YoY: -17.9%
Amortization
193.00M
Prev Year: 235.00M
YoY: -17.9%
Operating Revenue
19.29B
Policyholder Benefits (gross)
13.23B
Prev Year: 11.81B
YoY: +12.0%
Policyholder Benefits (ceded)
3.87B
Prev Year: 3.47B
YoY: +11.4%
Values in USD

Arch Capital Group key figures by fiscal year

FY2025FY2024FY2023FY2022FY2021
Revenue$19.3B$16.9B$13.3B$9.7B$8.9B
Operating income$5.1B$4.6B$3.5B$1.6B$2.2B
Net income$4.4B$4.3B$4.4B$1.4B$2.1B
Diluted EPS$11.60$11.19$11.62$3.80$5.23
Total assets$79.2B$70.9B$58.9B$48.0B$45.1B
Total liabilities$55.0B$50.1B$40.6B$35.1B$31.5B
Shareholders' equity$24.2B$20.8B$18.4B$12.9B$13.5B
Cash and short-term investments$11.5B––––
Total debt$2.7B$2.7B$2.7B$2.7B$2.7B
Operating cash flow$6.2B$6.7B$5.7B$3.8B$3.4B
Capital spending$44.0M$51.0M$52.0M$50.0M$41.0M
Free cash flow$6.1B$6.6B$5.7B$3.8B$3.4B

In USD. Fiscal years as reported by the company; statements on this page go back to fiscal year 2015.

Questions and answers

What was Arch Capital Group's revenue in fiscal year 2025?

$19.29 billion, up 14.0% from $16.93 billion in fiscal year 2024.

How much profit does Arch Capital Group make?

Arch Capital Group reported net income of $4.36 billion for fiscal year 2025 (22.6% of revenue); operating income was $5.13 billion.

How much cash and debt does Arch Capital Group have?

At the end of fiscal year 2025: cash and short-term investments of $11.54 billion and total debt of $2.73 billion.

What is Arch Capital Group's free cash flow?

$6.13 billion in fiscal year 2025 (operating cash flow of $6.17 billion minus capital spending of $44.00 million).

Disclaimer: This analysis is for informational and educational purposes only and does not constitute financial, investment, tax, or legal advice. Data may be incomplete, delayed, or contain inaccuracies. Consult with a qualified financial advisor before making any investment decisions.
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