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Arch Capital GroupACGL -3.26%87 Debt-to-Equity is 0.11 as of Mar. 2026, which is 48% below its 10-year median of 0.21. GuruFocus rates ACGL with a GF Score™ of 87/100 and a GF Value™ of $114.93 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 407 Insurance companies, Arch Capital Group ranks better than 66.09% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Arch Capital Group's Debt-to-Equity or its related term are showing as below:
ACGL'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.11 Med: 0.21 Max: 0.3
Current: 0.11
During the past 13 years, the highest Debt-to-Equity Ratio of Arch Capital Group was 0.30. The lowest was 0.11. And the median was 0.21.
ACGL's Debt-to-Equity is ranked better than 66.09% of 407
companies
in the Insurance industry
Industry Median: 0.2
vs ACGL: 0.11
Arch Capital Group (NAS:ACGL) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Arch Capital Group Debt-to-Equity Related Terms
Arch Capital Group Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Arch Capital Group's Debt-to-Equity 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.
For the Insurance - Diversified subindustry, Arch Capital Group's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Arch Capital Group's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Arch Capital Group's Debt-to-Equity 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 Debt-to-Equity of 0.11 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Arch Capital Group and its competitors. This is 48% below median its historical median of 0.21. Over the past decade, Arch Capital Group's Debt-to-Equity has ranged from 0.11 to 0.30. According to the industry distribution chart, Arch Capital Group ranks #138 out of 407 companies in the Insurance industry, placing it in the top 33.9%.
Is Arch Capital Group's Debt-to-Equity too high?
Arch Capital Group's current Debt-to-Equity of 0.11 is 48% below median its 10-year median of 0.21. Over the past 10 years, this metric has ranged from a low of 0.11 to a high of 0.30. The Insurance industry median Debt-to-Equity is 0.20. Arch Capital Group's value of 0.11 is 45% below this industry median. Based on the distribution chart, Arch Capital Group ranks #138 out of 407 companies in the Insurance industry, which is above the industry midpoint. Overall, Arch Capital Group has a GF Score™ of 87/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Arch Capital Group's Debt-to-Equity compare to HIG and AIG?
According to the Insurance industry distribution chart, Arch Capital Group ranks #138 out of 407 companies for Debt-to-Equity. This puts Arch Capital Group in the upper half of its industry. The industry median Debt-to-Equity is 0.20. Arch Capital Group's value of 0.11 is 45% below this benchmark. Historically, Arch Capital Group's own Debt-to-Equity has ranged from 0.11 to 0.30 over the past decade. While the company's 10-year median is 0.21 vs. the industry median of 0.20, 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 Debt-to-Equity for an Insurance company?
The median Debt-to-Equity among Insurance companies is 0.20, based on 407 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Arch Capital Group's current Debt-to-Equity of 0.11 is 45% 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Arch Capital Group and its competitors. For the Insurance industry, the median Debt-to-Equity is 0.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Arch Capital Group's current Debt-to-Equity is 0.11, which is 48% below median its own 10-year median of 0.21. 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 Modestly Undervalued. The stock's GF Value™ is $114.93, compared to a current price of $98.22 — trading 14.5% below its estimated fair value. The current Debt-to-Equity is 0.11, which is 48% below median its 10-year median of 0.21 and 45% below the Insurance industry median of 0.20. Arch Capital Group's overall GF Score™ is 87/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Arch Capital Group (ACGL), the current Debt-to-Equity is 0.11 as of Mar. 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 $98.22 is trading 14.5% below its estimated GF Value™ of $114.93.
GuruFocus considers Arch Capital Group to be Modestly Undervalued.
Key valuation signals for ACGL:
Debt-to-Equity: 0.11 (48% below median its 10-year median of 0.21)
GF Value™: $114.93 vs. price of $98.22 (14.5% below fair value)
Industry Position: 45% below the Insurance median (#138 of 407)
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.
87GF Score
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