---
schema_version: "secwatch.filing_event.v1"
accession: "0000947484-25-000008"
form_type: "8-K"
ticker: "ACGL"
cik: "0000947484"
company_name: "ARCH CAPITAL GROUP LTD."
filed_at: "2025-02-10T23:59:59+00:00"
generated_at: "2026-05-27T00:45:18.797544+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Arch Capital Q4 net income $925M ($2.42 EPS); cat losses $393M; estimates $450-550M from California wildfires

## Summary
- Net income available to common shareholders $925M ($2.42 diluted EPS), down from $2.3B ($6.12) in Q4 2023.
- Pre-tax cat losses of $393M from Hurricanes Milton and Helene; combined ratio 85.0% vs 78.9% a year ago.
- After-tax operating income $866M ($2.26 per share) vs $945M ($2.49) prior year; operating ROE 16.7%.
- CEO estimates California wildfire losses for Arch between $450M and $550M; insured market loss $35-45B.
- Book value per share $53.11, down 6.8% from Sept 30 due to $5.00 special dividend paid Dec 4.

## SEC filing metadata
- accession: 0000947484-25-000008
- form_type: 8-K
- ticker: ACGL
- cik: 0000947484
- company_name: ARCH CAPITAL GROUP LTD.
- filed_at: 2025-02-10T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/947484/000094748425000008/0000947484-25-000008-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/947484/000094748425000008/acgl-20250210.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000947484-25-000008
- JSON: https://secwatch.observer/filing/0000947484-25-000008.json
- Plain text: https://secwatch.observer/filing/0000947484-25-000008.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.