For the year ending 2025-12-31, ACGL had $307,000K increase in cash & cash equivalents over the period. $6,128,000K in free cash flow.
| Cash Flow | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Net income | 4,399,000 | 4,312,000 | 4,442,000 | 1,482,423 |
| Net realized (gains) losses | 440,000 | 185,000 | -182,000 | -651,568 |
| Equity in net (income) or loss of investments accounted for using the equity method and other income or loss | 459,000 | 488,000 | 215,000 | -153,157 |
| Amortization of intangible assets | 193,000 | 235,000 | 95,000 | 106,200 |
| Share-based compensation | 148,000 | 133,000 | 93,000 | 87,628 |
| Reserve for losses and loss adjustment expenses, net of unpaid losses and loss adjustment expenses recoverable | 2,350,000 | 3,279,000 | 2,138,000 | 1,889,015 |
| Unearned premiums, net of ceded unearned premiums | -589,000 | 632,000 | 1,028,000 | 1,399,112 |
| Premiums receivable | -38,000 | 818,000 | 981,000 | 1,109,229 |
| Deferred acquisition costs | -86,000 | 212,000 | 235,000 | 374,067 |
| Reinsurance balances payable | 137,000 | 179,000 | 455,000 | -35,509 |
| Deferred income tax assets, net | -174,000 | 35,000 | 1,161,000 | - |
| Other items, net | -135,000 | 359,000 | 92,000 | 435,071 |
| Net cash provided by operating activities | 6,172,000 | 6,673,000 | 5,749,000 | 3,815,227 |
| Purchases of fixed maturity investments | 36,480,000 | 31,290,000 | 18,062,000 | 16,390,475 |
| Purchases of equity securities | 1,448,000 | 1,423,000 | 456,000 | 796,998 |
| Purchases of other investments | 2,238,000 | 3,485,000 | 2,171,000 | 1,720,457 |
| Proceeds from sales of fixed maturity investments | 29,313,000 | 26,245,000 | 14,105,000 | 11,844,004 |
| Proceeds from sales of equity securities | 1,507,000 | 1,101,000 | 288,000 | 1,554,116 |
| Proceeds from sales, redemptions and maturities of other investments | 2,186,000 | 1,858,000 | 768,000 | 1,221,072 |
| Proceeds from redemptions and maturities of fixed maturity investments | 2,494,000 | 2,036,000 | 781,000 | 714,519 |
| Net settlements of derivative instruments | -310,000 | 5,000 | -50,000 | 68,818 |
| Net (purchases) sales of short-term investments | -258,000 | 269,000 | 696,000 | -467,249 |
| Change in cash collateral related to securities lending | - | - | - | 0 |
| Purchase of operating affiliate | - | - | 0 | 0 |
| Impact of the deconsolidation of the variable interest entity | - | - | 0 | 0 |
| Acquisitions, net of cash | 0 | -852,000 | - | - |
| Purchases of fixed assets | 44,000 | 51,000 | 52,000 | 51,672 |
| Other | -106,000 | 30,000 | 23,000 | -125,405 |
| Net cash used for investing activities | -4,036,000 | -4,461,000 | -5,468,000 | -3,102,055 |
| Proceeds from issuance of preferred shares, net | - | - | 0 | 0 |
| Redemption of preferred shares | - | - | 0 | 0 |
| Purchases of common shares under share repurchase program | 1,889,000 | 24,000 | 0 | 585,823 |
| Proceeds from common shares issued, net | - | - | - | 6,660 |
| Proceeds from borrowings | - | - | - | 0 |
| Repayments of borrowings | - | - | - | 0 |
| Change in cash collateral related to securities lending | - | - | - | 0 |
| Proceeds from common shares issued, net | - | - | -2,000 | - |
| Third party investment in non-redeemable noncontrolling interests | - | - | 0 | 0 |
| Proceeds from common shares issued, net | 50,000 | 7,000 | - | - |
| Third party investment in redeemable noncontrolling interests | 0 | 0 | 22,000 | - |
| Common dividends paid | 7,000 | 1,866,000 | - | - |
| Dividends paid to redeemable noncontrolling interests | - | - | 0 | 0 |
| Preferred dividends paid | 40,000 | 40,000 | 40,000 | 40,736 |
| Other | -4,000 | -2,000 | -5,000 | -85,827 |
| Net cash provided by (used for) financing activities | -1,890,000 | -1,925,000 | -69,000 | -705,726 |
| Effects of exchange rate changes on foreign currency cash and restricted cash | 61,000 | -25,000 | 13,000 | -48,889 |
| Increase (decrease) in cash and restricted cash | 307,000 | 262,000 | 225,000 | -41,443 |
| Cash and restricted cash, beginning of year | 1,760,000 | 1,498,000 | 1,273,000 | 1,314,771 |
| Cash and restricted cash, end of year | 2,067,000 | 1,760,000 | 1,498,000 | 1,273,328 |
ARCH CAPITAL GROUP LTD. (ACGL)
ARCH CAPITAL GROUP LTD. (ACGL)