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

Arch Capital Group (ACGL) reported mortgage — year one of 4.1% in Q4 2025.

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

Arch Capital Group's mortgage — year one decreased by 8.9% year-over-year, from 4.5% to 4.1%.

What does mortgage — year one mean?

Represents the loss development or financial performance metrics specifically for the first year following the inception of a mortgage insurance underwriting cohort. This is used to evaluate the immediate performance and initial loss emergence of new business.

Arch Capital Group ACGL Mortgage — Year One

Similar metrics at other companies

HMNHomeowners — Year One

78.5%+0.3pp

NMIHFinancial Guarantee Insurance Product Line — Year 1

3%0.0pp

GLREProperty — Year 1

48.1%-1.2pp

AXSInsurance — Year 1

29.5%—

GLREFinancial — Year 1

28%-12.6pp

KMPRHomeowners — Year 1

67.5%+0.5pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearOne.

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 one?: Arch Capital Group (ACGL) reported mortgage — year one of 4.1% in Q4 2025.
How has Arch Capital Group's mortgage — year one changed year-over-year?: Arch Capital Group's mortgage — year one decreased by 8.9% year-over-year, from 4.5% to 4.1%.
What does mortgage — year one mean?: Represents the loss development or financial performance metrics specifically for the first year following the inception of a mortgage insurance underwriting cohort. This is used to evaluate the immediate performance and initial loss emergence of new business.