What is Arch Capital Group's property catastrophe — year five?

Arch Capital Group (ACGL) reported property catastrophe — year five of -24.8% in Q4 2025.

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

Arch Capital Group's property catastrophe — year five increased by 35.4% year-over-year, from -38.4% to -24.8%.

What does property catastrophe — year five mean?

Represents the net loss development or reserve adjustment for property catastrophe reinsurance contracts five years after the initial underwriting year. It serves as a key indicator of the maturity and stability of the loss reserves for this specific segment.

Arch Capital Group ACGL Property catastrophe — Year Five

Other product segments

Marine and aviation

12.2%+22.0%

Casualty

11.5%0.0%

Property excluding property catastrophe

5.4%+14.9%

Specialty

5.4%+3.8%

Similar metrics at other companies

SPNTProperty Catastrophe — Year 5

3.1%+0.8pp

EGProperty Insurance — Year five

8.8%+0.9pp

AFGProperty and casualty insurance — Year 5

9.4%-3.7pp

GLREProperty — Year 5

3%+0.2pp

HIGProperty Insurance — 5th Year

1.9%-0.4pp

SPNTProperty Catastrophe — Year 6

3.7%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$34.08B0.0%

Enterprise value$34.7B-0.2%

P/E7×-2.1×

P/S1.7×-0.1×

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 property catastrophe — year five?: Arch Capital Group (ACGL) reported property catastrophe — year five of -24.8% in Q4 2025.
How has Arch Capital Group's property catastrophe — year five changed year-over-year?: Arch Capital Group's property catastrophe — year five increased by 35.4% year-over-year, from -38.4% to -24.8%.
What does property catastrophe — year five mean?: Represents the net loss development or reserve adjustment for property catastrophe reinsurance contracts five years after the initial underwriting year. It serves as a key indicator of the maturity and stability of the loss reserves for this specific segment.