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

Arch Capital Group (ACGL) reported property catastrophe — year four of 138.8% in Q4 2025.

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

Arch Capital Group's property catastrophe — year four decreased by 35.1% year-over-year, from 213.9% to 138.8%.

What does property catastrophe — year four mean?

Represents the net loss development or reserve adjustment for property catastrophe reinsurance contracts four years after the initial underwriting year. This metric helps assess the accuracy of initial loss estimates and the long-term profitability of the underwriting cohort.

Arch Capital Group ACGL Property catastrophe — Year Four

Other product segments

Marine and aviation

15%+8.7%

Casualty

12.1%+1.7%

Property excluding property catastrophe

7.3%+7.4%

Specialty

6.7%+4.7%

Similar metrics at other companies

SPNTProperty Catastrophe — Year 4

59.1%+44.1pp

EGProperty Insurance — Year four

14%-0.6pp

GLREProperty — Year 4

3.8%+0.3pp

AFGProperty and casualty insurance — Year 4

12.3%-4.1pp

SPNTProperty Catastrophe — Year 2

40.8%-7.0pp

SPNTProperty Catastrophe — Year 3

44.1%-1.9pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFour.

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 four?: Arch Capital Group (ACGL) reported property catastrophe — year four of 138.8% in Q4 2025.
How has Arch Capital Group's property catastrophe — year four changed year-over-year?: Arch Capital Group's property catastrophe — year four decreased by 35.1% year-over-year, from 213.9% to 138.8%.
What does property catastrophe — year four mean?: Represents the net loss development or reserve adjustment for property catastrophe reinsurance contracts four years after the initial underwriting year. This metric helps assess the accuracy of initial loss estimates and the long-term profitability of the underwriting cohort.