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

Arch Capital Group (ACGL) reported casualty — year three of 11.8% in Q4 2025.

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

Arch Capital Group's casualty — year three decreased by 0.8% year-over-year, from 11.9% to 11.8%.

What does casualty — year three mean?

The loss development experience for the casualty segment during the third year following the initial underwriting year. This provides further insight into the long-tail nature of casualty risk and reserve adequacy.

Arch Capital Group ACGL Casualty — Year Three

Other product segments

Property catastrophe

-23.8%-5.8%

Marine and aviation

19.8%-2.5%

Specialty

14.6%+2.8%

Property excluding property catastrophe

14.5%-1.4%

Similar metrics at other companies

SPNTCasualty — Year 3

23.4%+1.3pp

GLRECasualty — Year 3

29.8%+0.8pp

EGCasualty Insurance — Year three

25.9%—

KNSLCasualty - occurrence — Historical Claims Duration, Year Three

11.7%-0.9pp

SPNTCasualty — Year 2

25.9%-2.6pp

RLICasualty — Shortduration Insurance Contracts Historical Claims Duration Year Three

17.1%+0.5pp

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

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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

See full

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearThree.

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 three?: Arch Capital Group (ACGL) reported casualty — year three of 11.8% in Q4 2025.
How has Arch Capital Group's casualty — year three changed year-over-year?: Arch Capital Group's casualty — year three decreased by 0.8% year-over-year, from 11.9% to 11.8%.
What does casualty — year three mean?: The loss development experience for the casualty segment during the third year following the initial underwriting year. This provides further insight into the long-tail nature of casualty risk and reserve adequacy.