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

Arch Capital Group (ACGL) reported property catastrophe — year two of 110.1% in Q4 2025.

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

Arch Capital Group's property catastrophe — year two decreased by 34.6% year-over-year, from 168.4% to 110.1%.

What does property catastrophe — year two mean?

This metric represents the loss development or claim activity observed during the second year following the inception of an underwriting year. It provides insight into the maturation of claims and the accuracy of initial year-one estimates. It is a critical component for calculating loss development factors.

Arch Capital Group ACGL Property catastrophe — Year Two

Other product segments

Property excluding property catastrophe

37%+2.2%

Specialty

28.2%-3.4%

Marine and aviation

24.3%-15.9%

Casualty

8.2%-1.2%

Similar metrics at other companies

SPNTProperty Catastrophe — Year 2

40.8%-7.0pp

EGProperty Insurance — Year two

59.2%-2.4pp

GLREProperty — Year 2

33.5%+0.3pp

SPNTProperty Catastrophe — Year 1

25.2%+14.8pp

AFGProperty and casualty insurance — Year 2

31.6%+0.3pp

SPNTProperty Other — Year 2

72.1%+2.7pp

Other financials

Income statement

See full

Revenue$4.5B-3.3%

Net income$1.0B+82.4%

EPS (diluted)$2.88+94.6%

Balance sheet

See full

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

See full

Operating cash flow$1.2B-18.5%

CapEx$8.0M-11.1%

Free cash flow$1.2B-18.6%

Valuation

See full

Market cap$34.08B0.0%

Enterprise value$34.7B-0.2%

P/E7×-2.1×

P/S1.7×-0.1×

Profitability

See full

Net margin24.6%+3.9pp

FCF margin29.6%-6.3pp

Returns & leverage

See full

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 property catastrophe — year two?: Arch Capital Group (ACGL) reported property catastrophe — year two of 110.1% in Q4 2025.
How has Arch Capital Group's property catastrophe — year two changed year-over-year?: Arch Capital Group's property catastrophe — year two decreased by 34.6% year-over-year, from 168.4% to 110.1%.
What does property catastrophe — year two mean?: This metric represents the loss development or claim activity observed during the second year following the inception of an underwriting year. It provides insight into the maturation of claims and the accuracy of initial year-one estimates. It is a critical component for calculating loss development factors.