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

Arch Capital Group (ACGL) reported mortgage — year five of 9.6% in Q4 2025.

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

Arch Capital Group's mortgage — year five increased by 33.3% year-over-year, from 7.2% to 9.6%.

What does mortgage — year five mean?

Represents the loss development or financial performance metrics for the fifth year of a mortgage insurance underwriting cohort. This provides insight into the tail-end risk and long-term loss emergence of the portfolio.

Arch Capital Group ACGL Mortgage — Year Five

Similar metrics at other companies

NMIHFinancial Guarantee Insurance Product Line — Year 5

6%0.0pp

ACTDomestic mortgage insurance — Percentage of payout, year five

8.1%+1.9pp

HMNHomeowners — Year Five

0.2%-0.2pp

AXSInsurance — Year 5

13.3%—

KMPRHomeowners — Year 5

98.8%-0.5pp

HIGProperty Insurance — 5th Year

1.9%-0.4pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFive.

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 five?: Arch Capital Group (ACGL) reported mortgage — year five of 9.6% in Q4 2025.
How has Arch Capital Group's mortgage — year five changed year-over-year?: Arch Capital Group's mortgage — year five increased by 33.3% year-over-year, from 7.2% to 9.6%.
What does mortgage — year five mean?: Represents the loss development or financial performance metrics for the fifth year of a mortgage insurance underwriting cohort. This provides insight into the tail-end risk and long-term loss emergence of the portfolio.