ACGL Arch Capital Group
FY2025 10-K
Arch Capital Group (ACGL) filed its fiscal year 2025 10-K annual report with the SEC on Feb 26, 2026. This page provides AI-powered analysis of the filing, including business overview, management discussion, risk factors, and key financial metrics from XBRL data.
AI Filing AnalysisFY2025 10-K
Business Overview
- • Core model: Bermuda-based specialty (re)insurer across insurance, reinsurance, and mortgage segments; $16.5B net premiums written, $4.4B net income in FY2025
- • MCE Acquisition (Allianz U.S. Middle Market P&C and Entertainment, closed Aug 2024) fully integrated; expanded U.S. middle market presence and added entertainment insurance as a new niche
Management Discussion & Analysis
- • Net income $4,359M in 2025 vs $4,272M in 2024; after-tax operating income $3,700M vs $3,542M YoY
- • Net income ROAE 20.1% vs 22.8%; Operating ROAE 17.1% vs 18.9%; book value per share $65.11, up 22.6%
Risk Factors
- • Bermuda CIT Act effective Jan 1, 2025 introduces new corporate income tax; OECD Pillar II top-up tax risk remains despite Credits Act offset
- • Trump administration tariffs on imports creating ripple-effect exposure across insured industries; long-term economic slowdown impact unquantifiable
Financial SummaryXBRL
Revenue
$19.9B
Net Income
$4.4B
Net Margin
22.1%
ROE
18.2%
Total Assets
$79.2B
EPS (Diluted)
$11.60
Operating Cash Flow
$6.2B
Source: XBRL data from Arch Capital Group FY2025 10-K filing on SEC EDGAR. All figures in USD.
Other Arch Capital Group Annual Reports
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