Arch Capital Group Ltd. (ACGL)
Arch Capital is a global insurance and reinsurance powerhouse that helps businesses and individuals manage their financial risks.
Is Arch Capital Group Ltd. a good stock for a UK beginner?
The honest version: There's no rating here and nothing for sale. In its favour: Strong profitability with a healthy net margin. Worth weighing: No dividend payments for those seeking regular income.
Is this normal for this company?
Each figure against the range this same company has produced recently. Neither end of a range is the good end.
Share price divided by the earnings actually reported over the four most recent quarters. The range is the same calculation at each of this company's last few results, so roughly the past year.
Profit as a share of sales, from the company's own quarterly statements. The range covers the 5 quarters we hold, and the figure shown is its most recent one.
How these ranges are built
Every number here is the company's own reported figure, not a comparison with other companies. The ranges come from this company's own results and its share price. Where it reports in a different currency from the one its shares trade in, the price-to-earnings range is left out rather than mixing the two.
What does Arch Capital Group Ltd. do?
Think of Arch Capital as a giant safety net for other companies; they collect premiums to cover potential losses from things like natural disasters or legal claims. Its income comes from investing those premiums while it waits to see if any claims need to be paid out. Their profitability comes down to how well they balance the money they take in against the claims they have to pay out.
On our factor screen it looks strongest on value and quality, and weakest on growth.
- !Pays no dividend - the whole return rides on the share price
- !Revenue slipped about 10% over the year
- ✓Very profitable - turns about 24% of sales into profit
- ·Low P/E of 8 vs last year's earnings
- ✓Low debt - a sturdier balance sheet
- ✓Strong return on shareholder money (ROE 20%)
- Value screens high
- Growth screens low
- Income screens low
Does Arch Capital Group Ltd. pay a dividend?
No - Arch Capital Group Ltd. doesn't currently pay a dividend, so the whole return would rest on the share price. Plenty of growing companies reinvest their profits instead of paying them out - neither approach is better or worse, they're just different.
Most recent ex-dividend date: 18 Nov 2024. To receive a dividend you must already own the shares before the ex-dividend date; become a holder on or after it and the previous owner keeps that payment. Why the price usually falls that morning →
What do Arch Capital Group Ltd.'s numbers mean?
How has it performed?
Growth of £1,000, the worst fall, and year by year
Over about 2 years to 2026-09-11. This is the share price only; any dividends would add to it. And it's the USD return - as a UK investor your actual £ return also moves with the exchange rate. Past performance is not a guide to the future, and it could just as easily have fallen.
How much has Arch Capital Group Ltd. actually fallen?
Over the last 2 years of daily prices, Arch Capital Group Ltd. fell as much as −26% from a high to a later low. Falls like this are normal when you own a share.
Past falls are not a forecast - it can fall further, or recover.
How has it done year by year?
Calendar-year total return - the share price with dividends reinvested - from adjusted closing prices. The current year is only part-complete. Past returns are not a guide to the future.
A closer look at the numbers
Ownership, earnings history, where the money goes, and the outlook range
Does the share price tell you if it's cheap or expensive?
Who owns Arch Capital Group Ltd.?
About 97% of Arch Capital Group Ltd., or about 97 in every 100 shares, is held by big institutions such as pension and index funds, and company insiders hold about 3%. The rest, roughly 1%, is held by the public and smaller investors.
What this does and doesn't tell you
This is a recent snapshot of the share register, and it moves. We don't read anything into who owns what - a high institutional share is common for any large listed company and is not a signal about it.
Based on beta - how much the price swings versus the whole market. Bumpier isn't bad; it just means a rougher ride, which matters more the sooner you might need the money.
Prices move on results, news and the mood of the whole market - no single headline explains a day, and a quiet week is usually just noise, not a signal.
How much money does Arch Capital Group Ltd. make?
Revenue and profit by quarter, and how much of each sale turns into profit.
Where does each £100 of Arch Capital Group Ltd.'s sales go?
A rough split of the latest full-year figures: of every £100 of sales, about £61 covers making the product or service, £15 goes on running costs, tax and interest, and about £24 is left as profit. Margins vary a lot by industry, and one-off items can distort a single year.
When does Arch Capital Group Ltd. report earnings, and how did recent quarters go?
Arch Capital Group Ltd. is next scheduled to report on about 2026-10-26 - dates can move, and we don't predict results; this just tells you when to look.
‘Beat’ and ‘missed’ are against what analysts expected, not whether the business is doing well.
| Reported | Expected EPS: The earnings per share analysts expected for the quarter - the average of their forecasts. 'Beating' or 'missing' is measured against this number. | Actual EPS | vs expected |
|---|---|---|---|
| 2026-07-28 | $2.46 | $2.56 | Beat +4% |
| 2026-04-28 | $2.46 | $2.50 | Beat +1% |
| 2026-02-09 | $2.57 | $2.98 | Beat +16% |
| 2025-10-27 | $2.25 | $2.77 | Beat +23% |
| 2025-07-29 | $2.30 | $2.58 | Beat +12% |
| 2025-04-29 | $1.31 | $1.54 | Beat +17% |
Across the last 6 quarters here, Arch Capital Group Ltd. came in ahead of what analysts expected 6 times. One quarter is noise, not a trend.
See who else reports over the next two weeks →
Where these figures come from
Each quarter a company reports its results against a consensus of analyst forecasts. The figures here are reported versus expected earnings per share from published results; the expectation is that analyst consensus, not our view. Report dates are estimates and can move.
What are the scenarios for Arch Capital Group Ltd.?
An illustrative range for the year ahead — not a prediction or a price target.
What are the pros, cons and common questions?
The case each way, and the questions people ask
Long-term growth in insurance demand and superior capital allocation.
A prolonged period of high-cost insurance claims or market downturns.
What are the pros and cons of Arch Capital Group Ltd.?
A balance check, not a score or verdict.
- Strong profitability with a healthy net margin: How much of each £1 of sales becomes profit after all costs. Higher = more profitable per sale.
- High return on equity: How much profit the company makes for each £1 shareholders have put in. Higher usually means a more efficient business. suggests efficient management
- Low beta indicates less sensitivity to general market swings
- No dividend payments for those seeking regular income
- Recent revenue growth: How fast the company's sales grew versus a year ago. has been slightly negative
- Business performance is tied to unpredictable natural disasters
- Large-scale catastrophic events could lead to significant losses
- Changes in interest rates affect the value of their investment portfolio
- Intense competition in the insurance sector can squeeze profit margins
The write-up's own warning lights — if these start happening, the case above changes.
- A sustained increase in major global insurance claims
- A significant shift in the company's underwriting strategy
Common questions about Arch Capital Group Ltd.
Does Arch Capital Group Ltd. pay a dividend?
No - Arch Capital Group Ltd. does not currently pay a dividend, so the return would rest on the share price. Many growing companies reinvest profits instead of paying them out.
When does Arch Capital Group Ltd. report earnings next?
Arch Capital Group Ltd. is next scheduled to report results on about 2026-10-26. Report dates are estimates and can move; this is a diary note for when to look, not a forecast of the outcome.
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This plain-English summary was auto-generated on 2026-08-02 from public data and checked for an education-only, no-advice tone (the figures above carry their own, usually fresher, 'as of' date). It's information, never a recommendation.