ACGLMEDIUM SIGNALFINANCIAL10-K

Arch Capital Group delivered meaningful premium and earnings growth in 2025, with net premiums written rising to $16.5 billion and net income available to common shareholders reaching $4.4 billion, accompanied by a materially expanded equity base.

The increase in net premiums written from $15.7 billion to $16.5 billion signals continued organic growth momentum across Arch's underwriting businesses, suggesting favorable market conditions and disciplined capacity deployment. Stockholders' equity expanding 16.3% to $24.2 billion strengthens the company's capital cushion and underwriting capacity, a key credit quality signal for a (re)insurer. Investors should note the modest reduction in shares outstanding — from approximately 375 million to approximately 356 million — indicating continued share repurchase activity, which is incrementally accretive to per-share metrics.

Comparing 2026-02-26 vs 2025-02-27View on EDGAR →
FINANCIAL ANALYSIS

Revenue grew 14.3% to $19.9 billion, reflecting broad-based premium growth consistent with the disclosed $16.5 billion in net premiums written. Total assets expanded 11.8% to $79.2 billion while stockholders' equity rose 16.3% to $24.2 billion, meaning equity grew faster than assets — a favorable signal suggesting improving balance sheet quality and reduced effective leverage. Overall, the financial picture reflects a company in a period of steady, profitable expansion with a strengthening capital base, presenting a constructive outlook for policyholders and shareholders alike.

FINANCIAL STATEMENT CHANGES
Stockholders Equity
Balance Sheet
+16.3%
$20.8B→$24.2B

Equity base grew 16.3% — retained earnings accumulation or equity issuance strengthening the balance sheet.

Revenue
P&L
+14.3%
$17.4B→$19.9B

Revenue growing 14.3% — solid top-line momentum, watch margins for quality of growth.

Total Assets
Balance Sheet
+11.8%
$70.9B→$79.2B

Asset base grew 11.8% — expansion through organic growth, acquisitions, or capital deployment.

LANGUAGE CHANGES
NEW — 2026-02-26
PRIOR — 2025-02-27
ADDED
As of February 23, 2026, there were 355,803,320 of the registrant s common shares outstanding.
MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS 70 ITEM 7A.
This report or any other written or oral statements made by or on behalf of us may include forward-looking statements, which reflect our current views with respect to future events and financial performance, and other information that is not historical information.
Forward-looking statements, for purposes of the PSLRA or otherwise, can generally be identified by the use of forward-looking terminology such as should , could , plans , projects , may, will, expect, intend, estimate, anticipate, believe or continue and other words or statements of similar meaning or their negative version.
Forward-looking statements involve our current assessment of risks and uncertainties beyond management s control.
For 2025, we wrote $16.5 billion of net premiums and reported net income available to Arch common shareholders of $4.4 billion.
Book value per share was $65.11 at December 31, 2025, compared to $53.11 per share at December 31, 2024.
Arch Capital may use its website as a distribution channel of material information.
Financial and other important information regarding Arch Capital is routinely posted on and accessible through its website.
Our Ireland-based carrier, Arch Insurance (EU) Designated Activity Company ( Arch Insurance (EU) ) writes primarily European Union ( EU ) business with branches in Italy, Spain, France, the Netherlands and the U.K.
REMOVED
As of February 21, 2025, there were 375,357,236 of the registrant s common shares outstanding.
MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS 67 ITEM 7A.
This report or any other written or oral statements made by or on behalf of us may include forward-looking statements, which reflect our current views with respect to future events and financial performance.
Forward-looking statements, for purposes of the PSLRA or otherwise, can generally be identified by the use of forward-looking terminology such as may, will, expect, intend, estimate, anticipate, believe or continue and similar statements of a future or forward-looking nature or their negative or variations or similar terminology.
Forward-looking statements involve our current assessment of risks and uncertainties.
For 2024, we wrote $15.7 billion of net premiums and reported net income available to Arch common shareholders of $4.3 billion.
Book value per share was $53.11 at December 31, 2024, compared to $46.94 per share at December 31, 2023.
Our Ireland-based carrier, Arch Insurance (EU) Designated Activity Company ( Arch Insurance (EU) ) writes primarily European Union ( EU ) business and expanded its presence across Europe in 2023 with branch offices in Spain and France.
Entertainment Property and Casualty insurance business, representing an important part of our growth strategy in the U.S.
In 2006, we commenced our European reinsurance operations with Arch Reinsurance Europe Underwriting Designated Activity Company ( Arch Re Europe ), our Ireland-headquartered reinsurance company with offices in Switzerland, the U.K.
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