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Arch Capital Group ACGL Third party occurrence business — Year Five

Other product segments

Property catastrophe
-24.8%+35.4%
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

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HIGGeneral Liability — 5th Year
14.9%-0.6pp
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HIGProperty Insurance — 5th Year
1.9%-0.4pp
CNA Financial logo
CNAGeneral Liability — Year 5
14.5%+0.7pp
The Hartford Financial Services Group logo
HIGProfessional liability — 5th Year
9.7%+0.1pp
CNA Financial logo
CNAOther Professional Liability and Management Liability — Year 5
11.5%+1.0pp
Old Republic International logo
ORIGeneral Liability — Year 5
14.2%+0.5pp

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/E-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 third party occurrence business — year five?
Arch Capital Group (ACGL) reported third party occurrence business — year five of 11.3% in Q4 2025.
How has Arch Capital Group's third party occurrence business — year five changed year-over-year?
Arch Capital Group's third party occurrence business — year five increased by 13.0% year-over-year, from 10% to 11.3%.
What does third party occurrence business — year five mean?
Represents the net incurred losses or premiums associated with third-party occurrence-based insurance policies specifically for the fifth year of development. This metric tracks the long-tail liability exposure inherent in occurrence-based underwriting contracts. It is critical for assessing the accuracy of initial loss reserves as the policy year matures.