What does mortgage — maximum risk to capital ratio mean?

The regulatory limit on the ratio of insured mortgage risk to the available statutory capital of the insurance entity. This is a primary measure of financial leverage and solvency risk for mortgage insurers.

Arch Capital Group ACGL Mortgage — Maximum risk to capital ratio

Similar metrics at other companies

APOAsset Management — Maximum leverage ratio

400%0.0pp

ESN

ESNTMortgage Insurance — Loss ratio

17.4%+3.3pp

BPRNLeverage ratio minimum

4%0.0pp

ESN

ESNTMortgage Insurance — Combined ratio

34.8%+1.9pp

EBAYMaximum consolidated leverage ratio

400%0.0pp

STTLeverage ratio minimum

$0.050.0%

Other financials

Income statement

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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$33.91B+5.5%

Enterprise value$34.53B+5.2%

P/E7×-1.6×

P/S1.7×0.0×

Profitability

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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 acgl:MaximumRiskToCapitalRatio.

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 mortgage — maximum risk to capital ratio?: Arch Capital Group (ACGL) reported mortgage — maximum risk to capital ratio of 2,500% in Q4 2025.
How has Arch Capital Group's mortgage — maximum risk to capital ratio changed year-over-year?: Arch Capital Group's mortgage — maximum risk to capital ratio decreased by 0.0% year-over-year, from 2,500% to 2,500%.
What does mortgage — maximum risk to capital ratio mean?: The regulatory limit on the ratio of insured mortgage risk to the available statutory capital of the insurance entity. This is a primary measure of financial leverage and solvency risk for mortgage insurers.