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

Arch Capital Group (ACGL) reported mortgage — year two of 26% in Q4 2025.

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

Arch Capital Group's mortgage — year two decreased by 0.4% year-over-year, from 26.1% to 26%.

What does mortgage — year two mean?

Represents the loss development or financial performance metrics for the second year of a mortgage insurance underwriting cohort. This helps analysts understand the seasoning of the portfolio and the emergence of claims as policies mature.

Arch Capital Group ACGL Mortgage — Year Two

Similar metrics at other companies

AXSInsurance — Year 2

38.8%—

HMNHomeowners — Year Two

18.6%+0.2pp

GLREProperty — Year 2

33.5%+0.3pp

KMPRHomeowners — Year 2

93%+0.6pp

SPNTProperty Other — Year 2

72.1%+2.7pp

EGProperty Insurance — Year two

59.2%-2.4pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearTwo.

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 two?: Arch Capital Group (ACGL) reported mortgage — year two of 26% in Q4 2025.
How has Arch Capital Group's mortgage — year two changed year-over-year?: Arch Capital Group's mortgage — year two decreased by 0.4% year-over-year, from 26.1% to 26%.
What does mortgage — year two mean?: Represents the loss development or financial performance metrics for the second year of a mortgage insurance underwriting cohort. This helps analysts understand the seasoning of the portfolio and the emergence of claims as policies mature.