AC
ACGL
Jun 30, 2025
Quarter ended Jun 30, 2025 · FY2025 Q2

Arch Capital Group Ltd. stock research

Arch Capital Group (ACGL) Free Cash Flow — Quarter Ended Jun 30, 2025

Revenue increased compared to the prior quarter and the same quarter last year. However, operating cash flow and free cash flow declined, resulting in a lower free cash flow margin.

Free cash flow takeaway

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

Revenue increased compared to the prior quarter and the same quarter last year. However, operating cash flow and free cash flow declined, resulting in a lower free cash flow margin.

  • Cash conversion weakened as revenue rose but operating cash flow fell, leading to a lower free cash flow margin. Capital expenditure was slightly higher than the preceding quarter but stable year over year.
  • Compared to the preceding quarter, revenue improved while operating cash flow, free cash flow, and free cash flow margin all declined. Versus the same quarter one year earlier, revenue was higher but operating cash flow and free cash flow were significantly lower, with a much reduced margin.

FCF snapshot

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

TTM free cash flow

$6.1B

Trailing twelve-month free cash flow.

Quarter free cash flow

$1.1B

Free cash flow in the selected fiscal quarter.

Operating cash flow

$1.1B

Cash generated by operations before capital spending.

CapEx

$12.0M

Capital spending and related asset purchases.

FCF margin

21.3%

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
2024-09-30$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%
2025-06-30$5.2B$1.1B$12.0M$1.1B21.3%

Cash conversion quality

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

FCF / net income89.9%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

Decline in Operating Cash Flow

Operating cash flow decreased from the preceding quarter and from the same quarter last year, while revenue increased. This drove the reduction in free cash flow and margin.

The lower operating cash flow was the primary factor behind the weakened cash conversion.

What the cash flow says

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

Cash conversion weakened as revenue rose but operating cash flow fell, leading to a lower free cash flow margin. Capital expenditure was slightly higher than the preceding quarter but stable year over year.

Compared to the preceding quarter, revenue improved while operating cash flow, free cash flow, and free cash flow margin all declined. Versus the same quarter one year earlier, revenue was higher but operating cash flow and free cash flow were significantly lower, with a much reduced margin.

Monitor the trend of operating cash flow, as it declined despite higher revenue.