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Is Arch Capital Group Ltd. (ACGL) Undervalued? Valuation & Fair Price

At $96.70, 3 of the 4 frameworks would buy Arch Capital Group Ltd. today — Warren Buffett, Benjamin Graham, and Peter Lynch rate it Buy and Phil Town (Rule #1) rates it Avoid. Each model calculates its own fair value and margin of safety; create a free account to see the exact buy price behind every verdict.

AC

Arch Capital Group Ltd.

ACGL

Financial Services · Insurance - Diversified · NASDAQ

$96.70

P/E 7.6×

CEO

Nicolas Papadopoulo

Sector

Financial Services

Industry

Insurance - Diversified

Arch Capital Group Ltd., together with its subsidiaries, provides insurance, reinsurance, and mortgage insurance products in the United States, Canada, Bermuda, the United Kingdom, Europe, and Australia. The company operates through three segments: Insurance, Reinsurance, and Mortgage. The Insurance segment offers commercial automobile; commercial multiperil; financial and professional line liability; admitted, excess, and surplus casualty lines; property and short-tail specialty; workers compensation; and casualty insurance. Its Reinsurance segment provides reinsurance products for casualty; marine and aviation; property catastrophe; property excluding property catastrophe; and other specialty products. The Mortgage segment offers U.S. primary mortgage insurance business written predominantly on loans sold to the Federal National Mortgage Association and Federal Home Loan Mortgage Corporation; reinsurance and underwriting services related to the U.S. credit-risk transfer business and other U.S. mortgage reinsurance transactions; and international mortgage insurance and reinsurance business covering loans. It markets its products through a group of licensed independent retail and wholesale brokers. The company was formerly known as Risk Capital Holdings, Inc. Arch Capital Group Ltd. was founded in 1995 and is headquartered in Pembroke, Bermuda.

Investor scorecard

How the four investors rate Arch Capital Group Ltd.

3 of 4 frameworks lean Buy

Warren Buffett
78%Strong Buy
Benjamin Graham
71%Strong Buy
Peter Lynch
83%Strong Buy
Phil Town (Rule #1)
73%Avoid

Investor model analysis

Details locked

At $96.70, 3 of 4 frameworks say Buy

Business Quality77/100

Intrinsic Value (DCF)

Warren Buffett's valuation model · select an investor above to switch

Intrinsic Value

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Buy Below

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Strong Buy

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Margin of Safety

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Insider & congress activity

Are insiders buying ACGL?

Over recent SEC Form 4 filings, ACGL insiders bought $499K and sold $30.1M of stock across 13 open-market trades. Insiders sell for many reasons, but they buy for one.

Bought $499KSold $30.1M
Recent open-market insider trades for ACGL
InsiderActionSharesValueDate
Morin FrancoisCFO and TreasurerSell11,010$1.1MAug 18, 2026
Posner Brian SdirectorSell3,000$59KJun 3, 2026
Posner Brian SdirectorSell2,000$34KMay 11, 2026
Houston Daniel JosephdirectorBuy5,300$499KApr 30, 2026
Posner Brian SdirectorSell3,000$51KMar 11, 2026

Members of Congress have also reported 17 trades in ACGL. See the full insider & congress timeline.

Source: SEC Form 4 filings. Open-market buys & sells only. Not investment advice.

See the interactive insider chart & every trade

Scenario analysis

Bear, base & bull

Three growth assumptions, three fair values — and where today's price lands

What's working

Key strengths

Identified by Buffett framework analysis

Return on Equity

ROE Quality (Low Leverage)

Debt Levels

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Company financials

5-Year Financials

Income statement highlights — annual, USD

Metric20252024202320222021
Revenue$19.9B
$17.4B
$13.3B
$9.7B
$8.9B
Rev. Growth+14.3%+31.2%+37.7%+8.2%
Net Income$4.4B$4.3B$4.4B$1.5B$2.2B
Net Margin22.1%24.7%33.4%15.3%24.2%
EPS (Diluted)$11.84$11.47$11.94$3.90$5.34
Free Cash FlowLocked — upgrade to viewLocked — upgrade to viewLocked — upgrade to viewLocked — upgrade to viewLocked — upgrade to view

Full analysis included

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Educational Use Only · Not Financial Advice

Analysis, scores, valuations, and buy zones are derived from publicly documented investor frameworks (Buffett, Lynch, Benjamin Graham, Phil Town) for learning purposes only. They are not recommendations from licensed financial advisors. Past performance does not guarantee future results. Prices may be delayed up to 15 minutes. Always conduct your own research before making any investment decisions.