AC
ACGL
Dec 31, 2025
Quarter ended Dec 31, 2025 · FY2025 Q4

Arch Capital Group Ltd. stock research

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

Free cash flow declined from the prior quarter and the same quarter last year, driven by lower operating cash flow. Revenue was higher than a year ago but lower than the preceding quarter.

Free cash flow takeaway

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

Free cash flow declined from the prior quarter and the same quarter last year, driven by lower operating cash flow. Revenue was higher than a year ago but lower than the preceding quarter.

  • Revenue decreased from the prior quarter while operating cash flow declined more sharply, resulting in a lower free cash flow margin.
  • Compared with the prior quarter, free cash flow and margin were lower; versus the same quarter last year, free cash flow was slightly lower and margin weakened.

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

$1.4B

Free cash flow in the selected fiscal quarter.

Operating cash flow

$1.4B

Cash generated by operations before capital spending.

CapEx

$11.0M

Capital spending and related asset purchases.

FCF margin

28.2%

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
2025-03-31$4.7B$1.5B$9.0M$1.4B31.0%
2025-06-30$5.2B$1.1B$12.0M$1.1B21.3%
2025-09-30$5.1B$2.2B$12.0M$2.2B42.6%
2025-12-31$4.9B$1.4B$11.0M$1.4B28.2%

Cash conversion quality

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

FCF / net income112.5%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

Operating Cash Flow Decrease

Operating cash flow was lower than the prior quarter and the year-ago period, representing the primary cause of the free cash flow decline.

A sustained lower operating cash flow would pressure free cash flow margins.

What the cash flow says

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

Revenue decreased from the prior quarter while operating cash flow declined more sharply, resulting in a lower free cash flow margin.

Compared with the prior quarter, free cash flow and margin were lower; versus the same quarter last year, free cash flow was slightly lower and margin weakened.

Monitor operating cash flow trends given the sequential decline in cash conversion.

ACGL Free Cash Flow — Quarter Ended Dec 31, 2025