ACGLMEDIUM SIGNALFINANCIAL10-K

ACGL delivered strong growth across all key metrics in 2025 while reducing share count by over 19 million shares, indicating robust operational performance and active capital management.

The company demonstrated solid execution with net premiums growing from $15.7B to $16.5B and net income increasing from $4.3B to $4.4B, while simultaneously reducing shares outstanding by 5.2% through buybacks. The substantial 16.3% increase in stockholders' equity to $24.2B reflects both retained earnings growth and strong capital generation, positioning the company well for future growth opportunities.

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

ACGL exhibited broad-based financial strength in 2025 with revenue growing 14.3% to $19.9B, total assets expanding 11.8% to $79.2B, and stockholders' equity surging 16.3% to $24.2B. The combination of double-digit revenue and asset growth alongside the significant equity increase demonstrates strong profitability and capital accumulation. These metrics, coupled with the 5.2% reduction in shares outstanding, signal effective capital allocation and a company generating substantial cash flow while returning capital to shareholders.

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.
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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.
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