AC
ACGL
Mar 31, 2025
Quarter ended Mar 31, 2025 · FY2025 Q1

Arch Capital Group Ltd. stock research

Arch Capital Group (ACGL) Free Cash Flow — Quarter Ended Mar 31, 2025

Revenue, operating cash flow, and free cash flow all increased compared to the prior-year quarter, while free cash flow margin narrowed. Relative to the preceding quarter, revenue rose but operating cash flow, free cash flow, and free cash flow margin all declined.

Free cash flow takeaway

A quick read on the company's cash generation and what it means for investors.

Revenue, operating cash flow, and free cash flow all increased compared to the prior-year quarter, while free cash flow margin narrowed. Relative to the preceding quarter, revenue rose but operating cash flow, free cash flow, and free cash flow margin all declined.

  • Free cash flow margin was lower than both the immediate prior quarter and the same quarter one year earlier, indicating that a larger share of revenue was consumed by capital expenditure or that operating cash flow conversion weakened relative to revenue.
  • Revenue improved from both the preceding quarter and the year-ago quarter. However, operating cash flow was unchanged from the prior-year quarter and dropped from the prior quarter, while free cash flow was lower versus both periods.

FCF snapshot

Quarterly and TTM cash-flow metrics with the minimum valuation context.

TTM free cash flow

$6.5B

Trailing twelve-month free cash flow.

Quarter free cash flow

$1.4B

Free cash flow in the selected fiscal quarter.

Operating cash flow

$1.5B

Cash generated by operations before capital spending.

CapEx

$9.0M

Capital spending and related asset purchases.

FCF margin

31.0%

The share of revenue converted into free cash flow.

Cash flow trend

A short quarterly history shows whether FCF is scaling with revenue or only spiking for one period.

PeriodRevenueOperating CFCapExFCFFCF margin
2024-06-30$4.2B$1.5B$11.0M$1.5B35.6%
2024-09-30$4.7B$2.0B$12.0M$2.0B42.5%
2024-12-31$4.5B$1.6B$13.0M$1.6B34.3%
2025-03-31$4.7B$1.5B$9.0M$1.4B31.0%

Cash conversion quality

Checks that separate high-quality free cash flow from accounting noise or working-capital timing.

FCF / net income252.4%Shows whether accounting earnings convert into cash.
CapEx / revenue0.2%Lower capital intensity usually supports FCF margin.
Net cashn/aCash and equivalents minus total debt.

Recent events shaping cash flow

Near-term business events that help explain the free cash flow result.

Watch

Free Cash Flow Margin Compression

Free cash flow margin contracted relative to both the preceding quarter and the prior-year quarter. Revenue grew while free cash flow moved lower year-over-year and sequentially, indicating that operating cash flow did not keep pace with revenue expansion and capital expenditure was slightly higher in absolute terms than the prior quarter.

The narrowing margin reduces the proportion of revenue ultimately converted into free cash flow.

What the cash flow says

How to interpret the company's free cash flow beyond the headline number.

Free cash flow margin was lower than both the immediate prior quarter and the same quarter one year earlier, indicating that a larger share of revenue was consumed by capital expenditure or that operating cash flow conversion weakened relative to revenue.

Revenue improved from both the preceding quarter and the year-ago quarter. However, operating cash flow was unchanged from the prior-year quarter and dropped from the prior quarter, while free cash flow was lower versus both periods.

Monitor the trajectory of operating cash flow given its decline from the prior quarter despite higher revenue.

ACGL Free Cash Flow — Quarter Ended Mar 31, 2025