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ACGL 
Arch Capital Group Ltd (ACGL)
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Upturn Advisory Summary
11/05/2025: ACGL (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
14 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $107.47
1 Year Target Price $107.47
| 6 | Strong Buy |
| 4 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -4.44% | Avg. Invested days 30 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 32.23B USD | Price to earnings Ratio 8.22 | 1Y Target Price 107.47 |
Price to earnings Ratio 8.22 | 1Y Target Price 107.47 | ||
Volume (30-day avg) 14 | Beta 0.45 | 52 Weeks Range 82.44 - 101.66 | Updated Date 11/7/2025 |
52 Weeks Range 82.44 - 101.66 | Updated Date 11/7/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 10.67 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2025-10-30 | When After Market | Estimate 1.69 | Actual 2.77 |
Profitability
Profit Margin 20.96% | Operating Margin (TTM) 30.69% |
Management Effectiveness
Return on Assets (TTM) 3.9% | Return on Equity (TTM) 17.81% |
Valuation
Trailing PE 8.22 | Forward PE 9.38 | Enterprise Value 36159463878 | Price to Sales(TTM) 1.65 |
Enterprise Value 36159463878 | Price to Sales(TTM) 1.65 | ||
Enterprise Value to Revenue 1.95 | Enterprise Value to EBITDA - | Shares Outstanding 367300000 | Shares Floating 352728049 |
Shares Outstanding 367300000 | Shares Floating 352728049 | ||
Percent Insiders 3.15 | Percent Institutions 93.97 |
Upturn AI SWOT
Arch Capital Group Ltd
Company Overview
History and Background
Arch Capital Group Ltd. was founded in 2001. It emerged from a recapitalization of Gulfstream Financial Holdings. It quickly grew through strategic acquisitions and organic expansion to become a leading global insurer and reinsurer.
Core Business Areas
- Insurance: Offers a range of specialty and commercial insurance products, including casualty, property, and financial lines.
- Reinsurance: Provides reinsurance coverage to insurance companies, helping them manage their risk.
- Mortgage Insurance: Offers mortgage insurance products to protect lenders from losses due to borrower defaults.
Leadership and Structure
Arch Capital Group Ltd. is led by Nicolas Papadopoulo as Chairman and CEO. The company operates with a decentralized structure, empowering business unit leaders while maintaining strong oversight.
Top Products and Market Share
Key Offerings
- Property Catastrophe Reinsurance: Provides reinsurance protection against large-scale property losses from events like hurricanes and earthquakes. Market share is significant but varies by region and year. Competitors include Swiss Re, Munich Re, and Berkshire Hathaway Reinsurance Group.
- Mortgage Insurance: Offers mortgage insurance to lenders, facilitating homeownership. Competitors include Radian Group, MGIC Investment Corp, and NMI Holdings.
- Specialty Insurance: Offers specialized insurance policies tailored to specific industries or risks. Competitors include Chubb, AIG, and Travelers.
Market Dynamics
Industry Overview
The insurance and reinsurance industry is highly competitive and cyclical, influenced by factors such as interest rates, catastrophic events, and regulatory changes.
Positioning
Arch Capital Group Ltd. is a well-regarded player known for its strong underwriting discipline, risk management capabilities, and focus on specialty lines.
Total Addressable Market (TAM)
The global insurance and reinsurance market is estimated to be worth trillions of dollars. Arch Capital Group Ltd. has a substantial presence, particularly in property and casualty reinsurance, and specialty insurance, but has room for growth by expanding product offerings, and target markets.
Upturn SWOT Analysis
Strengths
- Strong underwriting expertise
- Diversified business model
- Solid capital position
- Experienced management team
- Effective risk management
Weaknesses
- Exposure to catastrophic events
- Dependence on reinsurance market conditions
- Potential for adverse loss development
- Competitive pricing pressure
- Sensitivity to interest rate fluctuations
Opportunities
- Expansion into new geographic markets
- Development of new insurance and reinsurance products
- Strategic acquisitions
- Growth in emerging markets
- Leveraging technology for efficiency gains
Threats
- Increased competition
- Regulatory changes
- Economic downturns
- Climate change and increasing frequency of catastrophic events
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- CB
- WRB
- RE
Competitive Landscape
Arch Capital Group Ltd. competes effectively by focusing on specialty lines, maintaining underwriting discipline, and leveraging its strong capital position. Competitors have their strengths as well and each compete in various market segments.
Major Acquisitions
Watford Holdings Ltd.
- Year: 2021
- Acquisition Price (USD millions): 622
- Strategic Rationale: Expanded its reinsurance capabilities and presence in the alternative capital market.
Growth Trajectory and Initiatives
Historical Growth: Arch Capital Group Ltd. has demonstrated strong growth through organic expansion, strategic acquisitions, and effective underwriting. Their revenue has been steadily increasing and they have been able to manage the risks of large scale climate change and catastrophic events.
Future Projections: Analyst projections anticipate continued growth for Arch Capital Group Ltd., driven by favorable market conditions, expansion into new markets, and disciplined underwriting. The projections also depend on their ability to grow market share and keep a tight reign on costs.
Recent Initiatives: Recent strategic initiatives include expanding specialty insurance offerings, investing in technology to improve efficiency, and pursuing strategic acquisitions to broaden its reach.
Summary
Arch Capital Group Ltd. is a strong player in the insurance and reinsurance market, known for its underwriting expertise and diversified business model. The company's solid capital position and experienced management team contribute to its success. However, Arch Capital Group Ltd. must navigate competitive pressures, regulatory changes, and the potential impact of catastrophic events. Strategic acquisitions and innovation will be crucial for continued growth.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Analyst reports
- Industry publications
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market data is subject to change, and past performance is not indicative of future results. Consult a qualified financial advisor before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Arch Capital Group Ltd
Exchange NASDAQ | Headquaters - | ||
IPO Launch date 1995-09-13 | CEO & Director Mr. Nicolas Alain Emmanuel Papadopoulo | ||
Sector Financial Services | Industry Insurance - Diversified | Full time employees 7200 | Website https://www.archgroup.com |
Full time employees 7200 | Website https://www.archgroup.com | ||
Arch Capital Group Ltd., together with its subsidiaries, provides insurance, reinsurance, and mortgage insurance products in the United States, Canada, Bermuda, the United Kingdom, Europe, and Australia. The Insurance segment offers commercial automobile; commercial multiperil; financial and professional line liability; admitted, excess, and surplus casualty lines; property and short-tail specialty; workers compensation; casualty; marine and aviation; excess and surplus casualty; construction and national accounts; alternative market risks and employer's liability; travel, accident, and health; contract and commercial surety coverage; and other insurance products, as well as Lloyd's syndicates; programs; and warranty and lenders solutions. Its Reinsurance segment provides reinsurance products for casualty; marine and aviation; property catastrophe; property excluding property catastrophe; and other specialty products. The Mortgage segment offers U.S. primary mortgage insurance business written predominantly on loans sold to the Federal National Mortgage Association and Federal Home Loan Mortgage Corporation; reinsurance and underwriting services related to the U.S. credit-risk transfer business and other U.S. mortgage reinsurance transactions; and international mortgage insurance and reinsurance business covering loans. It markets its products through a group of licensed independent retail and wholesale brokers. The company was formerly known as Risk Capital Holdings, Inc. Arch Capital Group Ltd. was founded in 1995 and is headquartered in Pembroke, Bermuda.
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