ACGL
NEUTRAL
$93.47
Live
Arch Capital Group Ltd. · NASDAQ
Target $109.32
(+17.0%)
$82.45
52W Range
$103.39
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Mar 14, 2026
Market cap
$33.89B
P/E
8.06
ROE
19.5%
Profit margin
22.1%
Debt/Equity
0.12
Dividend yield
N/A
AI Analysis
AI-powered fundamental assessment
Confidence
78%
ACGL exhibits mixed fundamental signals: the Piotroski F-Score of 4/9 indicates a borderline stable financial health, while the absence of an Altman Z-Score raises concern about default risk, particularly given the low quick ratio of 0.50. The stock trades at a compelling 8.06x P/E, well below the sector average of 30.46, and the Graham Number of $130.62 suggests undervaluation, though the intrinsic value estimate of $342.2 implies a significant growth premium. Strong profitability (22.07% margin, 19.54% ROE) and consistent earnings beats (16.97% average surprise) support upside potential, but the lack of dividends and bearish insider activity undermine confidence. The 1-year return of +3.4% lags behind peers, reflecting market skepticism despite solid fundamentals.
Key Strengths
Strong profitability with 22.07% net margin and 19.54% ROE
Consistent earnings beat history with 16.97% average surprise over last 4 quarters
Attractive valuation with P/E of 8.06, significantly below sector average of 30.46
Low debt/equity ratio of 0.12 indicating strong financial leverage discipline
High revenue and earnings growth (8.50% and 38.80% YoY respectively)
Key Risks
Piotroski F-Score of 4/9 signals weak financial health, bordering on instability
No Altman Z-Score available; absence of distress risk metric is a red flag
Bearish insider sentiment with $27.21M in sales over 6 months, including large sales by Chairman and CEO
Zero dividend yield and 0% payout ratio suggest no return to shareholders
Low quick ratio of 0.50 indicates potential liquidity strain under stress
AI Fair Value Estimate
Based on comprehensive analysis
$130.62
+39.7% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
58
Moderate
82
76
85
45
0
AI Verdict
neutral
Key drivers: Strong profitability and growth metrics, Attractive valuation relative to sector, Bearish insider activity and weak Piotroski score
Confidence
78%
Value
82/100
Ref P/E, PEG, Graham Number
Positives
- P/E of 8.06 is deeply undervalued vs. sector average of 30.46
- Graham Number of $130.62 implies defensive fair value
- Intrinsic value of $342.2 suggests high growth premium, but current price is far below
Watchpoints
- Intrinsic value is significantly higher than current price, suggesting overvaluation if growth fails
Future
76/100
Ref Growth rates
Positives
- 38.80% YoY earnings growth and 8.50% revenue growth indicate strong momentum
- 32.40% Q/Q earnings growth shows acceleration
- Consistent earnings beats with 16.97% average surprise
Watchpoints
- PEG ratio not available, limiting growth-adjusted valuation clarity
Past
85/100
Ref Historical trends
Positives
- 25 consecutive quarters of earnings beats, including 3 out of last 4
- Historical EPS growth of +31.9% YoY and +7.6% Q/Q
- Strong track record of exceeding estimates, including 60.3% surprise in 2023 Q1
Watchpoints
- No long-term dividend history or payout consistency
Health
45/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Low debt/equity ratio of 0.12 indicates conservative capital structure
- Current ratio of 1.08 is marginally sufficient
Watchpoints
- Piotroski F-Score of 4/9 is below threshold for strong health (7-9)
- Quick ratio of 0.50 is dangerously low, indicating liquidity risk
- No Altman Z-Score available, which is a critical gap for distress risk assessment
Dividend
0/100
Ref Yield, Payout
Positives
No standout positives identified.
Watchpoints
- No dividend yield or payout ratio
- 0% payout ratio indicates no return to shareholders
- Dividend Strength score of 0/100 confirms absence of income feature
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$93.47
Analyst Target
$109.32
Upside/Downside
+17.0%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for ACGL and closest competitors.
Updated 2026-03-13
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
ACGL
Arch Capital Group Ltd.
Primary
|
+158.1% | +46.0% | +3.4% | +1.3% | -5.2% | -3.9% |
|
PRU
Prudential Financial, Inc.
Peer
|
+34.8% | +38.6% | -7.3% | -2.0% | -1.7% | +3.2% |
|
HBAN
Huntington Bancshares Incorporated
Peer
|
+24.2% | +64.2% | +32.0% | +7.0% | +5.8% | +3.7% |
|
NTRS
Northern Trust Corporation
Peer
|
+69.8% | +100.3% | +79.2% | +21.6% | +14.3% | +2.9% |
|
BBDO
Banco Bradesco S.A.
Peer
|
+15.8% | +72.0% | +93.0% | +43.2% | +18.3% | +14.4% |
ACG
Arch Capital Group Ltd.
Primary
5Y
+158.1%
3Y
+46.0%
1Y
+3.4%
6M
+1.3%
1M
-5.2%
1W
-3.9%
PRU
Prudential Financial, Inc.
Peer
5Y
+34.8%
3Y
+38.6%
1Y
-7.3%
6M
-2.0%
1M
-1.7%
1W
+3.2%
HBA
Huntington Bancshares Incorporated
Peer
5Y
+24.2%
3Y
+64.2%
1Y
+32.0%
6M
+7.0%
1M
+5.8%
1W
+3.7%
NTR
Northern Trust Corporation
Peer
5Y
+69.8%
3Y
+100.3%
1Y
+79.2%
6M
+21.6%
1M
+14.3%
1W
+2.9%
BBD
Banco Bradesco S.A.
Peer
5Y
+15.8%
3Y
+72.0%
1Y
+93.0%
6M
+43.2%
1M
+18.3%
1W
+14.4%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
8.06
Forward P/E
9.24
PEG Ratio
N/A
P/B Ratio
1.43
P/S Ratio
1.7
EV/Revenue
1.66
EV/EBITDA
6.0
Market Cap
$33.89B
Profitability
Profit margins and return metrics
Profit Margin
22.07%
Operating Margin
29.53%
Gross Margin
37.16%
ROE
19.54%
ROA
4.44%
Growth
Revenue and earnings growth rates
Revenue Growth
+8.5%
Earnings Growth
+38.8%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
+32.4%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
0.12
Low debt
Current Ratio
1.08
Good
Quick Ratio
0.5
Poor
Cash/Share
$10.39
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-29
$N/A
2026-02-09
$2.98
+15.8% surprise
2025-10-27
$2.77
+22.9% surprise
2025-07-29
$2.58
+12.2% surprise
Financial Services Sector Comparison
Comparing ACGL against 484 companies in the Financial Services sector
(87 bullish, 202 neutral, 195 bearish)
P/E Ratio
8.06
This Stock
vs
46.02
Sector Avg
-82.5%
(Discount)
Return on Equity (ROE)
19.54%
This Stock
vs
0.23%
Sector Avg
+8441.9%
(Excellent)
Profit Margin
22.07%
This Stock
vs
50.44%
Sector Avg
-56.2%
(Weaker)
Debt to Equity
0.12
This Stock
vs
1.37
Sector Avg
-91.3%
(Less Debt)
Revenue Growth
8.5%
This Stock
vs
37.35%
Sector Avg
-77.2%
(Slower)
Current Ratio
1.08
This Stock
vs
3.28
Sector Avg
-67.1%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
ACGL
Arch Capital Group Ltd.
|
NEUTRAL | $33.89B | 8.06 | 19.5% | 22.1% | $93.47 | |
|
PRU
Prudential Financial, Inc.
|
NEUTRAL | $34.2B | 9.84 | 11.4% | 5.8% | $98.28 | Compare |
|
HBAN
Huntington Bancshares Incorporated
|
NEUTRAL | $33.37B | 11.78 | 10.1% | 28.7% | $16.38 | Compare |
|
NTRS
Northern Trust Corporation
|
NEUTRAL | $29.52B | 17.82 | 13.5% | 21.5% | $156.07 | Compare |
|
BBDO
Banco Bradesco S.A.
|
BEARISH | $38.99B | 9.18 | 12.6% | 24.2% | $3.49 | Compare |
ACGL
Arch Capital Group Ltd.
NEUTRAL
Mkt Cap
$33.9B
P/E
8.1
ROE
19.5%
Price
$93.47
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-10 | PAPADOPOULO NICOLAS | Chief Executive Officer | Sale | 21,930 | $2,112,063 |
| 2026-03-10 | GANSBERG DAVID E | President | Sale | 5,907 | $569,266 |
| 2026-03-10 | PAPADOPOULO NICOLAS | Chief Executive Officer | Option Exercise | 21,930 | $414,477 |
| 2026-03-10 | GANSBERG DAVID E | President | Option Exercise | 10,770 | $203,553 |
| 2026-03-04 | RAJEH MAAMOUN | Officer | Gift | 40,600 | - |
| 2026-03-03 | PETRILLO LOUIS T | Officer | Stock Award | 2,889 | - |
| 2026-03-03 | MORIN FRANCOIS | Chief Financial Officer | Stock Award | 5,329 | - |
| 2026-03-03 | GANSBERG DAVID E | Officer | Stock Award | 6,843 | - |
| 2026-03-03 | TODD CHRISTINE L | Chief Investment Officer | Stock Award | 3,981 | - |
| 2026-03-03 | RAJEH MAAMOUN | Officer | Stock Award | 6,843 | - |
| 2026-03-03 | PAPADOPOULO NICOLAS | Chief Executive Officer | Stock Award | 21,318 | - |
| 2026-02-24 | PETRILLO LOUIS T | Officer | Stock Award | 17,136 | - |
| 2026-02-24 | MORIN FRANCOIS | Chief Financial Officer | Stock Award | 27,432 | - |
| 2026-02-24 | GANSBERG DAVID E | Officer | Stock Award | 28,546 | - |
| 2026-02-24 | TODD CHRISTINE L | Chief Investment Officer | Stock Award | 25,046 | - |
PAPADOPOULO NICOLAS
Chief Executive Officer
2026-03-10
21,930 shares
·
$2,112,063
GANSBERG DAVID E
President
2026-03-10
5,907 shares
·
$569,266
PAPADOPOULO NICOLAS
Chief Executive Officer
2026-03-10
21,930 shares
·
$414,477
GANSBERG DAVID E
President
2026-03-10
10,770 shares
·
$203,553
RAJEH MAAMOUN
Officer
2026-03-04
40,600 shares
PETRILLO LOUIS T
Officer
2026-03-03
2,889 shares
MORIN FRANCOIS
Chief Financial Officer
2026-03-03
5,329 shares
GANSBERG DAVID E
Officer
2026-03-03
6,843 shares
TODD CHRISTINE L
Chief Investment Officer
2026-03-03
3,981 shares
RAJEH MAAMOUN
Officer
2026-03-03
6,843 shares
PAPADOPOULO NICOLAS
Chief Executive Officer
2026-03-03
21,318 shares
PETRILLO LOUIS T
Officer
2026-02-24
17,136 shares
MORIN FRANCOIS
Chief Financial Officer
2026-02-24
27,432 shares
GANSBERG DAVID E
Officer
2026-02-24
28,546 shares
TODD CHRISTINE L
Chief Investment Officer
2026-02-24
25,046 shares
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
19 analysts
UBS
2026-02-17
Buy
Buy
Cantor Fitzgerald
2026-02-17
Neutral
Neutral
Citigroup
2026-02-13
Buy
Buy
Keefe, Bruyette & Woods
2026-02-13
Market Perform
Market Perform
Mizuho
2026-02-12
Neutral
Neutral
RBC Capital
2026-02-11
Outperform
Outperform
Wells Fargo
2026-02-11
Overweight
Overweight
Cantor Fitzgerald
2026-01-14
Neutral
Neutral
Barclays
2026-01-08
Equal-Weight
Equal-Weight
Goldman Sachs
2026-01-08
Sell
Sell
Past News Coverage
Recent headlines mentioning ACGL from our newsroom.
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