Business Segments · Year One
Mortgage — Year One
Arch Capital Group Mortgage — Year One decreased by 8.9% to 4.1% in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 8.9%, from 4.5% to 4.1%. This is a positive signal — lower values indicate better performance for this metric.
Analysis
StatementSegment
CategoryEfficiency
SignalLower is better
VolatilityModerate
First reportedQ4 2016
Last reportedQ4 2025
How to read this metric
Higher losses in year one may indicate aggressive underwriting or poor initial risk selection.
Detailed definition
Represents the loss development or financial performance metrics specifically for the first year following the inception...
Peer comparison
Standard cohort-based underwriting analysis used by mortgage insurers.
Metric ID:
acgl_segment_mortgage_year_oneHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | 2.7% | 5.6% | 5.1% | 4.5% | 4.1% |
| QoQ Change | — | +107.4% | -8.9% | -11.8% | -8.9% |
| YoY Change | — | +107.4% | -8.9% | -11.8% | -8.9% |
Range2.7% – 5.6%
CAGR+51.9%
Avg YoY Growth+19.5%
Median YoY Growth-8.9%
Current Streak3 quarters decline
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Frequently Asked Questions
- What is Arch Capital Group's mortgage — year one?
- Arch Capital Group (ACGL) reported mortgage — year one of 4.1% in Q4 2025.
- How has Arch Capital Group's mortgage — year one changed year-over-year?
- Arch Capital Group's mortgage — year one decreased by 8.9% year-over-year, from 4.5% to 4.1%.
- What does mortgage — year one mean?
- Performance data for mortgage insurance policies during their first year of coverage.