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

Arch Capital Group (ACGL) reported specialty — year one of 26.2% in Q4 2025.

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

Arch Capital Group's specialty — year one decreased by 5.4% year-over-year, from 27.7% to 26.2%.

What does specialty — year one mean?

This represents the loss development or performance metrics specifically for the first year of an underwriting cohort's lifecycle. It is used to analyze the initial loss experience of newly written business. This helps underwriters adjust pricing and risk selection strategies early in the policy term.

Arch Capital Group ACGL Specialty — Year One

Other product segments

Property catastrophe

-62.4%+53.5%

Property excluding property catastrophe

20.9%-11.4%

Casualty

2.9%+3.6%

Marine and aviation

1.8%+28.6%

Similar metrics at other companies

GLRESpecialty — Year 1

26.6%-11.4pp

SPNTOther Specialties — Year 1

43.9%+2.6pp

KMPRSpecialty Personal Automobile Insurance—Liability — Year 1

37.2%-0.8pp

HMNSpecialty Health — Year One

61.3%-8.1pp

AXSInsurance — Year 1

29.5%—

GLRESpecialty — Year 2

45%-20.2pp

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: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 specialty — year one?: Arch Capital Group (ACGL) reported specialty — year one of 26.2% in Q4 2025.
How has Arch Capital Group's specialty — year one changed year-over-year?: Arch Capital Group's specialty — year one decreased by 5.4% year-over-year, from 27.7% to 26.2%.
What does specialty — year one mean?: This represents the loss development or performance metrics specifically for the first year of an underwriting cohort's lifecycle. It is used to analyze the initial loss experience of newly written business. This helps underwriters adjust pricing and risk selection strategies early in the policy term.