What is Arch Capital Group's casualty — year four?

Arch Capital Group (ACGL) reported casualty — year four of 12.1% in Q4 2025.

How has Arch Capital Group's casualty — year four changed year-over-year?

Arch Capital Group's casualty — year four increased by 1.7% year-over-year, from 11.9% to 12.1%.

What does casualty — year four mean?

Represents the cumulative net loss development or claims experience for casualty insurance policies four years after the initial policy inception year. This metric is critical for assessing the accuracy of initial loss reserves and the long-term profitability of the casualty underwriting portfolio.

Arch Capital Group ACGL Casualty — Year Four

Other product segments

Property catastrophe

138.8%-35.1%

Marine and aviation

15%+8.7%

Property excluding property catastrophe

7.3%+7.4%

Specialty

6.7%+4.7%

Similar metrics at other companies

GLRECasualty — Year 4

23.8%+0.2pp

SPNTCasualty — Year 4

28%-0.5pp

EGCasualty Insurance — Year four

25.9%—

RLICasualty — Shortduration Insurance Contracts Historical Claims Duration Year Four

18%+0.9pp

GLRECasualty — Year 5

22.2%-1.8pp

KNSLCasualty - occurrence — Historical Claims Duration, Year Four

14.3%-2.0pp

Other financials

Income statement

See full

Revenue$4.5B-3.3%

Net income$1.0B+82.4%

EPS (diluted)$2.88+94.6%

Balance sheet

See full

Cash & equivalents$1.8B-10.3%

Total debt$2.4B0.0%

Total equity$24.2B+12.3%

Total assets$81.4B+8.3%

Cash flow

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Operating cash flow$1.2B-18.5%

CapEx$8.0M-11.1%

Free cash flow$1.2B-18.6%

Valuation

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Market cap$34.08B0.0%

Enterprise value$34.7B-0.2%

P/E7×-2.1×

P/S1.7×-0.1×

Profitability

See full

Net margin24.6%+3.9pp

FCF margin29.6%-6.3pp

Returns & leverage

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Return on equity21.3%+2.9pp

Debt / equity0.1×0.0×

Where this comes from

Reported directly by Arch Capital Group in its filing.

Tagged under the XBRL concept us-gaap:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFour.

The official record: Arch Capital Group’s 10-K, filed February 26, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Arch Capital Group's casualty — year four?: Arch Capital Group (ACGL) reported casualty — year four of 12.1% in Q4 2025.
How has Arch Capital Group's casualty — year four changed year-over-year?: Arch Capital Group's casualty — year four increased by 1.7% year-over-year, from 11.9% to 12.1%.
What does casualty — year four mean?: Represents the cumulative net loss development or claims experience for casualty insurance policies four years after the initial policy inception year. This metric is critical for assessing the accuracy of initial loss reserves and the long-term profitability of the casualty underwriting portfolio.