Arch Capital Group U.S. primary mortgage insurance — Net premiums earned remained flat by 0.0% to $200.50M in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 5.1%, from $211.25M to $200.50M. Over 4 years (FY 2021 to FY 2025), U.S. primary mortgage insurance — Net premiums earned shows a downward trend with a -4.2% CAGR. This decline may warrant attention — for this metric, higher values are generally preferred.
An increase suggests growth in the underlying mortgage insurance portfolio or improved pricing, while a decrease may indicate reduced market share, tighter underwriting standards, or increased reinsurance usage.
This metric represents the total revenue recognized from U.S. primary mortgage insurance policies after accounting for r...
Comparable to net premiums earned in mortgage insurance segments at peer financial institutions, though variations exist based on the mix of flow versus bulk business and reinsurance retention levels.
acgl_segment_u_s_primary_mortgage_insurance_net_premiums_earned| FY'21 | FY'22 | FY'23 | FY'24 | FY'25 | |
|---|---|---|---|---|---|
| Value | $953.00M | $804.00M | $759.00M | $845.00M | $802.00M |
| YoY Change | — | -15.6% | -5.6% | +11.3% | -5.1% |