ACGL vs ACN Stock Comparison

Scores Breakdown

Metric	ACGL	ACN
📈 Growth	14/30	22/30
💰 Profitability	16/20	18/20
🏦 Financial Health	19/20	18/20
💵 Valuation	12/20	16/20
⚠️ Risk (lower is better)	3/10	4/10
Overall Score	68/100	80/100

Side-by-Side Summaries

ACGL Analysis	ACN Analysis
📈 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.	📈 Growth & Financial Trajectory Over 8 quarters, revenues moved from $16.41B (2024 Q4) to $18.72B (2026 Q3), a cumulative rise of about 14%. Net income increased from roughly $1.68B to $2.34B, up about 39%, signaling improving operating leverage as scale widens. The trend shows quarterly fluctuations but an overall positive trajectory with gradually rising profitability. 💰 Margins & Cash Flow Gross margin remains in the 32-34% range, supporting durable profitability. Operating margin hovers around 16-17%, indicating meaningful operating leverage with revenue growth. Net cash flow from operating activities stays robust, averaging near $3.7B per quarter; the latest quarter shows a positive, albeit modest, overall cash position as investing and financing outflows offset operating cash flow. 🛡️ Balance Sheet & Liquidity Current assets around $28-29B vs. current liabilities near $19-22B, implying a healthy liquidity cushion (latest current ratio ~1.3–1.4). Noncurrent liabilities about $13-14B against equity of roughly $31-33B, with total assets near $63-69B, indicating solid balance-sheet resilience and solvency dynamics. ⚠️ Key Drivers & Risks Drivers: AI & Data/Cloud transformation demand; scalable global services with cross-sell opportunities. Risks: cyclicality in IT spend, valuation sensitivity to growth expectations, competitive intensity.

ACGL Analysis

ACN Analysis

📈 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.

📈 Growth & Financial Trajectory

Over 8 quarters, revenues moved from $16.41B (2024 Q4) to $18.72B (2026 Q3), a cumulative rise of about 14%. Net income increased from roughly $1.68B to $2.34B, up about 39%, signaling improving operating leverage as scale widens. The trend shows quarterly fluctuations but an overall positive trajectory with gradually rising profitability.

💰 Margins & Cash Flow

Gross margin remains in the 32-34% range, supporting durable profitability.
Operating margin hovers around 16-17%, indicating meaningful operating leverage with revenue growth.
Net cash flow from operating activities stays robust, averaging near $3.7B per quarter; the latest quarter shows a positive, albeit modest, overall cash position as investing and financing outflows offset operating cash flow.

🛡️ Balance Sheet & Liquidity

Current assets around $28-29B vs. current liabilities near $19-22B, implying a healthy liquidity cushion (latest current ratio ~1.3–1.4).
Noncurrent liabilities about $13-14B against equity of roughly $31-33B, with total assets near $63-69B, indicating solid balance-sheet resilience and solvency dynamics.

⚠️ Key Drivers & Risks

Drivers: AI & Data/Cloud transformation demand; scalable global services with cross-sell opportunities.
Risks: cyclicality in IT spend, valuation sensitivity to growth expectations, competitive intensity.

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