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Arch Capital GroupACGL +0.08%85 Cash-to-Debt is 0.26 as of Jun. 2026, which is 19% below its 10-year median of 0.32. GuruFocus rates ACGL with a GF Score™ of 85/100 and a GF Value™ of $108.23 (Fairly Valued). The stock has 3 warning signs investors should review. Among 493 Insurance companies, Arch Capital Group ranks worse than 86% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Arch Capital Group's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.26.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Arch Capital Groupcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Arch Capital Group's Cash-to-Debt or its related term are showing as below:
ACGL'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.23 Med: 0.32 Max: 0.49
Current: 0.26
During the past 13 years, Arch Capital Group's highest Cash to Debt Ratio was 0.49. The lowest was 0.23. And the median was 0.32.
ACGL's Cash-to-Debt is ranked worse than 86% of 493
companies
in the Insurance industry
Industry Median: 2.05
vs ACGL: 0.26
Arch Capital Group (NAS:ACGL) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Arch Capital Group Cash-to-Debt Related Terms
Arch Capital Group Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Arch Capital Group's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Insurance - Diversified subindustry, Arch Capital Group's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Arch Capital Group Cash-to-Debt vs Insurance Industry
For the Insurance industry and Financial Services sector, Arch Capital Group's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Arch Capital Group's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Arch Capital Group (ACGL) has a Cash-to-Debt of 0.26 as of Jun. 2026. This is 19% below median its historical median of 0.32. Over the past decade, Arch Capital Group's Cash-to-Debt has ranged from 0.23 to 0.49. According to the industry distribution chart, Arch Capital Group ranks #424 out of 493 companies in the Insurance industry, placing it in the top 86%.
Is Arch Capital Group's Cash-to-Debt too high?
Arch Capital Group's current Cash-to-Debt of 0.26 is 19% below median its 10-year median of 0.32. Over the past 10 years, this metric has ranged from a low of 0.23 to a high of 0.49. The Insurance industry median Cash-to-Debt is 2.05. Arch Capital Group's value of 0.26 is 87.3% below this industry median. Based on the distribution chart, Arch Capital Group ranks #424 out of 493 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Arch Capital Group has a GF Score™ of 85/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Arch Capital Group's Cash-to-Debt compare to HIG and AIG?
According to the Insurance industry distribution chart, Arch Capital Group ranks #424 out of 493 companies for Cash-to-Debt. This places Arch Capital Group in the lower half of its industry. The industry median Cash-to-Debt is 2.05. Arch Capital Group's value of 0.26 is 87.3% below this benchmark. Historically, Arch Capital Group's own Cash-to-Debt has ranged from 0.23 to 0.49 over the past decade. While the company's 10-year median is 0.32 vs. the industry median of 2.05, Arch Capital Group has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for an Insurance company?
The median Cash-to-Debt among Insurance companies is 2.05, based on 493 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Arch Capital Group's current Cash-to-Debt of 0.26 is 87.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median Cash-to-Debt is 2.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Arch Capital Group's current Cash-to-Debt is 0.26, which is 19% below median its own 10-year median of 0.32. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Arch Capital Group stock overvalued right now?
Based on GuruFocus' analysis, Arch Capital Group (ACGL) is currently considered Fairly Valued. The stock's GF Value™ is $108.23, compared to a current price of $99.39 — trading 8.2% below its estimated fair value. The current Cash-to-Debt is 0.26, which is 19% below median its 10-year median of 0.32 and 87.3% below the Insurance industry median of 2.05. Arch Capital Group's overall GF Score™ is 85/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Arch Capital Group (ACGL), the current Cash-to-Debt is 0.26 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Arch Capital Group (ACGL) Overvalued in 2026?
Based on GuruFocus' analysis, Arch Capital Group stock appears to be undervalued.
The current stock price of $99.39 is trading 8.2% below its estimated GF Value™ of $108.23.
GuruFocus considers Arch Capital Group to be Fairly Valued.
Key valuation signals for ACGL:
Cash-to-Debt: 0.26 (19% below median its 10-year median of 0.32)
GF Value™: $108.23 vs. price of $99.39 (8.2% below fair value)
Industry Position: 87.3% below the Insurance median (#424 of 493)
No single metric tells the full story. See the ACGL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Arch Capital Group Ltd is a Bermuda company that writes insurance and reinsurance with operations in the United States, Canada, Europe, Australia, and the United Kingdom. The business operates through three underwriting segments: insurance, reinsurance, and mortgage. The insurance segment provides specialty risk solutions to clients across various industries. The reinsurance segment provides reinsurance services which cover property catastrophe, property, liability, marine, aviation and space, trade credit and surety, agriculture, accident, life and health, and political risk. The mortgage business provides risk management and risk financing products to the mortgage insurance sectors through platforms in the U.S., Europe and Bermuda.
85GF Score
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