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Dec 31, 2025
Arch Capital Q4 2025 Earnings Report
Arch Capital reported a strong fourth quarter with robust underwriting profitability and an improved combined ratio.
Key Takeaways
Arch Capital delivered strong Q4 2025 results, driven by higher underwriting income across insurance and reinsurance segments, lower catastrophe losses, and a materially improved combined ratio.
Net income available to common shareholders was $1228000000 with GAAP EPS of $3.35.
Adjusted EPS was $2.98, reflecting strong underlying underwriting performance.
The combined ratio improved to 80.6%, highlighting disciplined underwriting.
Insurance and reinsurance segments both generated solid underwriting income.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Arch Capital expressed confidence entering 2026, supported by a strong balance sheet and favorable underwriting conditions.
Positive Outlook
- Favorable pricing environment across multiple insurance lines.
- Lower catastrophe losses versus the prior year.
- Diversified global underwriting platform.
- Strong capital generation capacity.
- Improving underwriting profitability.
Challenges Ahead
- Exposure to potential large catastrophe events.
- Competitive pressures in certain insurance lines.
- Macroeconomic uncertainty affecting investment returns.
- Foreign exchange volatility.
- Regulatory and tax-related uncertainty.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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