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Arch CapitalBrown & Brown

Arch Capital vs Brown & Brown

Arch Capital Group Ltd. and Brown & Brown Inc. are presented on this page in a side-by-side comparison. This page compares their business models, financial performance, and market context to help read...

Why It's Moving

Arch Capital

ACGL Stock Edges Higher Ahead of Hotly Anticipated Q4 Earnings Reveal.

  • Stock hit intraday high of $96.55 on February 1, reflecting building momentum near 52-week peak of $97.60.
  • Analysts hold mixed 'Hold' consensus with $107.53 average target, signaling potential upside if results exceed expectations.
  • Recent insider sales totaling $20.7 million raise questions, though institutional ownership remains robust at 89%.
Sentiment:
⚖️Neutral

Investment Analysis

Arch Capital

Pros

  • Arch Capital delivered record underwriting profits in Q3 2025, driven by strong reinsurance performance and lower catastrophic losses.
  • Book value per share rose 5.3% in the quarter, reflecting robust capital generation and effective risk management.
  • The company reported a high annualized operating return on equity of 18.5%, indicating efficient use of shareholder capital.

Considerations

  • Arch Capital's combined ratio excluding catastrophes and prior year development worsened to 80.5% from 78.3% in the prior year quarter.
  • The stock has declined about 4% over the past month, suggesting some investor caution despite strong earnings.
  • Analyst consensus remains neutral, with Arch Capital not featuring among top-rated analyst picks for outperformance.
Brown & Brown

Pros

  • Brown & Brown maintains a diversified insurance brokerage model with strong organic growth and recurring revenue streams.
  • The company has a history of consistent dividend increases, reflecting stable cash flows and shareholder commitment.
  • Brown & Brown benefits from a resilient business model less exposed to underwriting cycles compared to pure insurers.

Considerations

  • Revenue growth can be sensitive to economic cycles, with insurance demand potentially slowing in downturns.
  • The brokerage sector faces ongoing margin pressure from competition and digital disruption.
  • Brown & Brown's expansion strategy relies on acquisitions, which carry integration and valuation risks.

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Arch Capital (ACGL) Next Earnings Date

Arch Capital Group's next earnings date is February 9, 2026, with the Q4 2025 earnings release scheduled after market close at 4:00 PM ET, followed by a conference call on February 10 at 10:00 AM ET. This report will cover the quarter ended December 2025, where analysts anticipate earnings around $2.34-$2.49 per share on revenues of approximately $3.9-$4.7 billion. Investors should monitor for any updates from the company, as this aligns with their historical quarterly reporting pattern.

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