What is Arch Capital Group's mortgage — year eight?

Arch Capital Group (ACGL) reported mortgage — year eight of 1.3% in Q4 2025.

How has Arch Capital Group's mortgage — year eight changed year-over-year?

Arch Capital Group's mortgage — year eight increased by 30.0% year-over-year, from 1% to 1.3%.

What does mortgage — year eight mean?

Represents the eighth year of development for a specific underwriting cohort within the mortgage insurance portfolio. This metric tracks the cumulative loss experience and claim settlement patterns for policies issued eight years prior to the reporting period.

Arch Capital Group ACGL Mortgage — Year Eight

Similar metrics at other companies

ACTDomestic mortgage insurance — Percentage of payout, year eight

0.6%-0.1pp

NMIHFinancial Guarantee Insurance Product Line — Year 8

2%0.0pp

ACTDomestic mortgage insurance — Percentage of payout, year nine

0.2%0.0pp

ACTDomestic mortgage insurance — Percentage of payout, year seven

1.3%+0.3pp

HIGMarine — 8th Year

0%—

HIGProperty Insurance — 8th Year

0.3%0.0pp

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 us-gaap:ShortdurationInsuranceContractsHistoricalClaimsDurationYearEight.

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 — year eight?: Arch Capital Group (ACGL) reported mortgage — year eight of 1.3% in Q4 2025.
How has Arch Capital Group's mortgage — year eight changed year-over-year?: Arch Capital Group's mortgage — year eight increased by 30.0% year-over-year, from 1% to 1.3%.
What does mortgage — year eight mean?: Represents the eighth year of development for a specific underwriting cohort within the mortgage insurance portfolio. This metric tracks the cumulative loss experience and claim settlement patterns for policies issued eight years prior to the reporting period.