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Arch Capital Group

ACGL
52
Insurance - Diversified · Financial Services
Price
$101.27
+1.96 (+1.97%)
Market Cap
$34.56B
Exchange
NASDAQ
Winston Score
52
Winston is curious
Mixed quality — meaningful strengths and weaknesses.
Data as of Oct 18, 2026 · filings through Jun 30, 2026

§How the score breaks down

Quality
Mixed
8/30
Growth
Mixed
9/20
Cash Flow
Exceptional
10/10
Stability
Exceptional
10/10
Valuation
Good
6/10
Ownership
Mixed
6/15
Dividends
Not counted
n/a

49 of 95 counted points = Winston Score 52. Pillars marked n/a do not apply to this company and are left out of the total.

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Share count falling — buybacks

−6.1% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 400.3M (2021) → 376.1M (2025)

§Winston Score History

The full picture

Arch Capital Group is a Bermuda-based insurance and reinsurance company that helps other businesses and individuals manage financial risk. Its three main business lines are insurance, reinsurance, and mortgage insurance — covering things like property damage, liability, and home loan defaults. The company sells these products to corporations, other insurers, and mortgage lenders primarily in the United States, Europe, and other global markets.

Arch makes money by collecting premiums from customers and investing those funds, earning returns before claims are paid out. It operates globally with a market cap around $35 billion, and its Bermuda headquarters gives it certain tax and regulatory advantages common among specialty insurers. Its mortgage insurance segment, which protects lenders when homeowners default, has been a strong profit driver but also ties the company's results closely to the health of the US housing market — making rising mortgage delinquencies one of the key risks to watch.

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Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-10.1% YoY

YoY Growth Rate

Revenue declining

EPS Growth

-7.6% YoY

YoY Growth Rate

Earnings declining

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

2.7%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$51.4B cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

Arch Capital Group's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale
Gross Margin
-0.7%
Thin — -0.7% gross margin
Profit after running costs
Operating Margin
1.0%
Thin — 1.0% operating margin
Return on the money invested
ROCE
14.4%
Good — 14.4% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales growth
Sales YoY
+0.7%
Nearly flat sales (+0.7% YoY)
Profit growth
EPS YoY
+30.8%
Earnings growing fast (+30.8% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is
EPS Consistency
4/8 quarters
Earnings inconsistent quarter-to-quarter

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Cash Flow

Profit that turns into cash
Cash Conversion
130%
Turns 130% of profit into real cash
Spare cash per sale
FCF Margin
31.5%
Converts sales into free cash efficiently (31.5%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

What it owes vs what it owns
Debt / Equity
0.18
Conservative — low debt load (0.18)
Covers its interest
Interest Cover
26.16x
Comfortably covers interest (26.2x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

Price vs profit
P/E Ratio (TTM)
7.8x
Attractive valuation — P/E 7.8

P/E under 10. The price tag is small relative to last year's profit.

Cheaper or dearer next year
P/E vs Forward
-2.9
SLOWING
Earnings expected to fall — forward P/E higher than today

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Dividends

Not applicable for this business.
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