A vs ACGL Stock Comparison

Scores Breakdown

Metric	A	ACGL
📈 Growth	18/30	14/30
💰 Profitability	16/20	16/20
🏦 Financial Health	7/20	19/20
💵 Valuation	9/20	12/20
⚠️ Risk (lower is better)	7/10	3/10
Overall Score	53/100	68/100

Side-by-Side Summaries

A Analysis	ACGL Analysis
📈 Growth & Financial Trajectory Over eight quarters, Revenues rose from about $1.66B to $1.84B, a positive trend, with a mid-2025 dip. Net income fluctuated from $308M–$434M, ending near $339M in 2026 Q2. The sequence shows top-line resilience but earnings volatility, implying improving mix or cost management but not a steady uplift in profitability. 💰 Margins & Cash Flow Gross Margin is generally in the mid-50s percentile, peaking around 63% in 2024 Q2 and typical ~50–55% in other quarters. Operating Margin has run in the high-teens to low-20s percent range on Revenues of ~$1.6–$1.8B. Operating cash flow remains positive across quarters (roughly $0.27–$0.55B), while investing cash flow is negative (capital outlays), and financing cash flow is often negative, reflecting debt/return actions. 🛡️ Balance Sheet & Liquidity Total Assets (~~$11–$13B) exceed Liabilities (~~$4.8–$6B) with Equity frequently negative, signaling balance-sheet rehabilitation needs. Current assets vs current liabilities suggests solid liquidity (working capital positive); long-term debt remains a meaningful load but generally manageable within cash flows. ⚠️ Key Drivers & Risks Drivers: Life sciences capex & instrument upgrades; continued demand for laboratory testing and automation. Risks: Earnings volatility from cyclic lab-spend; structural negative equity raises valuation sensitivity and balance-sheet risk.	📈 Growth & Financial Trajectory Across the 8 most recent quarters (Q1 2026 through Q2 2024), ARCH Capital's revenues edged from about $4.521B to $4.229B, a decline of roughly 6-7%. Net income moved from about $1.047B to $0.988B, a modest downshift. The trajectory shows quarterly fluctuations but an overall stable earnings base, with operating income around $1.1B+ in most periods. 💰 Margins & Cash Flow Margins hovered in the mid-20% range (roughly 21–26%), and operating margins were similar, signaling disciplined costs and underwriting leverage. Cash flow: operating cash flow was robust in most quarters (e.g., Q1 2026 continuing ops of $1.189B; Q4 2025 around $1.404B), while investing and financing activities were frequently negative, reflecting asset deployment and capital returns. In Q1 2026, net cash flow was -$0.286B due to financing outflows. 🛡️ Balance Sheet & Liquidity Assets around $81.4B in Q1 2026, with current liabilities around $57.3B; current ratio ~1.4x. Equity near $24.2B and noncurrent liabilities essentially zero, implying strong liquidity and flexibility. ⚠️ Key Drivers & Risks Drivers: Underwriting strength and capital management; steady demand for risk transfer. Risks: Catastrophe exposure and rate sensitivity; interest-rate and valuation sensitivity.

A Analysis

ACGL Analysis

📈 Growth & Financial Trajectory

Over eight quarters, Revenues rose from about $1.66B to $1.84B, a positive trend, with a mid-2025 dip. Net income fluctuated from $308M–$434M, ending near $339M in 2026 Q2. The sequence shows top-line resilience but earnings volatility, implying improving mix or cost management but not a steady uplift in profitability.

💰 Margins & Cash Flow

Gross Margin is generally in the mid-50s percentile, peaking around 63% in 2024 Q2 and typical ~50–55% in other quarters.
Operating Margin has run in the high-teens to low-20s percent range on Revenues of ~$1.6–$1.8B.
Operating cash flow remains positive across quarters (roughly $0.27–$0.55B), while investing cash flow is negative (capital outlays), and financing cash flow is often negative, reflecting debt/return actions.

🛡️ Balance Sheet & Liquidity

Total Assets (~~$11–$13B) exceed Liabilities (~~$4.8–$6B) with Equity frequently negative, signaling balance-sheet rehabilitation needs. Current assets vs current liabilities suggests solid liquidity (working capital positive); long-term debt remains a meaningful load but generally manageable within cash flows.

⚠️ Key Drivers & Risks

Drivers: Life sciences capex & instrument upgrades; continued demand for laboratory testing and automation.
Risks: Earnings volatility from cyclic lab-spend; structural negative equity raises valuation sensitivity and balance-sheet risk.

📈 Growth & Financial Trajectory

Across the 8 most recent quarters (Q1 2026 through Q2 2024), ARCH Capital's revenues edged from about $4.521B to $4.229B, a decline of roughly 6-7%. Net income moved from about $1.047B to $0.988B, a modest downshift. The trajectory shows quarterly fluctuations but an overall stable earnings base, with operating income around $1.1B+ in most periods.

💰 Margins & Cash Flow

Margins hovered in the mid-20% range (roughly 21–26%), and operating margins were similar, signaling disciplined costs and underwriting leverage. Cash flow: operating cash flow was robust in most quarters (e.g., Q1 2026 continuing ops of $1.189B; Q4 2025 around $1.404B), while investing and financing activities were frequently negative, reflecting asset deployment and capital returns. In Q1 2026, net cash flow was -$0.286B due to financing outflows.

🛡️ Balance Sheet & Liquidity

Assets around $81.4B in Q1 2026, with current liabilities around $57.3B; current ratio ~1.4x. Equity near $24.2B and noncurrent liabilities essentially zero, implying strong liquidity and flexibility.

⚠️ Key Drivers & Risks

Drivers: Underwriting strength and capital management; steady demand for risk transfer.
Risks: Catastrophe exposure and rate sensitivity; interest-rate and valuation sensitivity.

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AMAT Score: 80 AME Score: 81 ANET Score: 84 GOOGL Score: 78 TMO Score: 75 WAT Score: 78

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