Arch Capital Group vs Hartford
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KIRA’s take AI analyst
I put Arch Capital Group and Hartford side by side, using each one’s latest annual report. Here is what stands out:
- Hartford is the larger business, with $28.4B of revenue in fiscal 2025 against $19.9B for Arch Capital Group.
- Arch Capital Group grew revenue faster (14.3%, against 6.9%).
- Arch Capital Group turned more of its sales into free cash flow (30.8% FCF margin, against 20.3%).
- Investors pay more for each dollar of Hartford’s earnings: a P/E of 8.8x against 8.0x for Arch Capital Group.
Who comes out ahead
Of the 6 measures where higher (or lower) is clearly better, how many each company leads.
Arch Capital Group
ACGL
4/6
Revenue growth5-year growthNet marginFCF margin
Hartford
HIG
2/6
Return on equityShare count change
Side by side
Best in the row
| Latest fiscal year | ACGL FY25 | HIG FY25 |
|---|---|---|
| Size | ||
| Market cap | $35.7B | $37.6B |
| Revenue | $19.9B | $28.4B |
| Free cash flow | $6.1B | $5.8B |
| Net income | $4.4B | $3.8B |
| Growth | ||
| Revenue growth | 14.3% | 6.9% |
| 5-year growth | 18.6% | 6.7% |
| Share count change | −1.6% | −4.1% |
| Profitability | ||
| Gross margin | — | — |
| Operating margin | — | — |
| Net margin | 22.1% | 13.5% |
| FCF margin | 30.8% | 20.3% |
| Return on capital | — | 22.6% |
| Return on equity | 19.5% | 21.7% |
| Balance sheet | ||
| Net debt | — | −$159M |
| Net debt / EBITDA | — | −0.0x |
| Dividends and buybacks | $1.9B | $2.2B |
| Valuation & quality | ||
| P/E | 8.0x | 8.8x |
| Piotroski F-score | — | — |
Ten years
Revenue
Operating margin
Free cash flow
Return on capital
Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.