ACGL
Financial Services · Insurance - Diversified
Performance
ACGL (ACGL) Stock Analysis 2026
Rule-based · Updated daily · Not financial advice
ACGL (ACGL) operates in the Insurance - Diversified space within the Financial Services sector. With a market cap of $32.5B, it qualifies as a mid-cap company. Revenue has been contracting year-over-year, a headwind that investors will watch closely in upcoming earnings.
- Low P/E of 7.2× suggests the stock may be undervalued relative to earnings
- Earnings grew 95% YoY — bottom-line is expanding fast
- Exceptional profit margin of 24.6% — the business retains a large share of each dollar earned
- ROE of 21.3% shows management efficiently converts equity into profit
- Low beta of 0.31 — less volatile than the market, suitable for conservative portfolios
- Revenue declined 3% YoY — warning sign for business momentum
- High debt-to-equity of 11.28× increases financial risk, especially with elevated interest rates
- Current ratio below 1 (0.57×) — short-term liabilities exceed current assets
Verdict
Buy / Hold
More positives than negatives. Fundamentals support holding while monitoring key risks.
AI Insight
Powered by ClaudeAI-generated analysis for informational purposes only. Not financial advice.
Related Articles
Revenue & Results
Dividends
Current DY
—
5Y Avg Annual
$1.0000
Last Payment
$5.0000
Ex-Date
11/18/2024
Annual dividends paid per share
| Ex-Date | Payment | Amount | Est. DY |
|---|---|---|---|
Latest11/18/2024 | 12/04/2024 | $5.0000 | 21.49% |
Magic Number
Shares needed to self-fund your next purchase
$93.08
Price
$5.0000
Last div. (quarterly)
19
shares
Own 19 ACGL shares ($1,768.43) and each quarterly dividend pays for 1 new share — the snowball runs on its own.
Investment target
$1,768.43
New shares / year
+4 shares
If You Had Invested…
Hypothetical return based on historical prices
* Dividend reinvestment calculated at ex-date price. For informational purposes only.
Earnings
Next Earnings
Jul 28, 2026
42
days
EPS (TTM)
$13.00
P/E (TTM)
7.2
Fwd P/E
9.4
Earnings History
SEC EDGAR · official filings
SEC Filings
Official EDGAR documents
Key Statistics
Valuation
Trading
Dividends
Profitability
Balance Sheet
Fair Value Estimates
Current price: $93.08
Graham Number
√(22.5 × EPS × Book Value)
$139.42
Benjamin Graham's intrinsic value formula. Assumes a fair stock trades at no more than 22.5× the product of EPS and book value per share.
Bazin Ceiling Price
Avg. Annual DPS (5Y) ÷ 6%
$83.33
Décio Bazin's dividend-based ceiling. The max price you should pay so that dividends alone deliver at least 6% annual yield on your cost basis.
These are simplified estimates. Not financial advice.
Buy & Hold Checklist
Quality criteria for long-term holding
5/10
56% score
Pays dividends
2Y hist.2+ years of dividend history
Dividend consistency (5Y+)
2 yrsUninterrupted dividend payments for at least 5 years
ROE above 10%
21.3%Return on equity — measures how efficiently capital is used
Positive profit margin
24.6%Net profit margin must be positive — company earns more than it spends
Revenue growth (annual)
-3.3%Annual revenue must be growing compared to the prior year
Earnings growth (annual)
+94.6%Annual earnings must be growing compared to the prior year
Debt/Equity below 2×
11.28×Low financial leverage reduces risk of distress
Current ratio above 1
0.57×Short-term assets must cover short-term liabilities
Daily liquidity above $5M
$213M/dayHigh trading volume ensures easy entry and exit
Dividend yield above 0%
Stock must distribute income to shareholders
Related Assets
Financial Services
About ACGL
Arch Capital Group Ltd., together with its subsidiaries, provides insurance, reinsurance, and mortgage insurance products in the United States, Canada, Bermuda, the United Kingdom, Europe, and Australia. The company operates through three segments: Insurance, Reinsurance, and Mortgage. The Insurance segment offers commercial automobile; commercial multiperil; financial and professional line liability; admitted, excess, and surplus casualty lines; property and short-tail specialty; workers compensation; and casualty insurance. Its Reinsurance segment provides reinsurance products for casualty; marine and aviation; property catastrophe; property excluding property catastrophe; and other specialty products. The Mortgage segment offers U.S. primary mortgage insurance business written predominantly on loans sold to the Federal National Mortgage Association and Federal Home Loan Mortgage Corporation; reinsurance and underwriting services related to the U.S. credit-risk transfer business and other U.S. mortgage reinsurance transactions; and international mortgage insurance and reinsurance business covering loans. It markets its products through a group of licensed independent retail and wholesale brokers. The company was formerly known as Risk Capital Holdings, Inc. Arch Capital Group Ltd. was founded in 1995 and is headquartered in Pembroke, Bermuda.
Sector
Financial Services
Industry
Insurance - Diversified
Location
Pembroke, Bermuda
Employees
8,000