The Filing Desk

Arch Capital Group vs Hartford

Arch Capital Group ACGL · Hartford HIG · Property & Casualty Insurance

Hartford reported revenue of $28.4 billion in fiscal 2025, 1.4 times Arch Capital Group's $19.9 billion in fiscal 2025. Arch Capital Group's revenue grew 14.3% in its latest year, and Hartford's grew 6.9%. Free cash flow was $6.1 billion at Arch Capital Group and $5.8 billion at Hartford.

Side by side

Arch Capital GroupHartford
Latest fiscal yearFY2025, Dec 31, 2025FY2025, Dec 31, 2025
Revenue$19.9B$28.4B
Revenue growth14.3%6.9%
Revenue growth a year, last 5 years18.6%6.7%
Gross margin——
Operating margin——
Net margin22.1%13.5%
Free cash flow$6.1B$5.8B
Free cash flow margin30.8%20.3%
Return on capital—22.6%
Net debt to EBITDA—−0.0x
Dividends and buybacks$1.9B$2.2B
Change in diluted share count−1.6%−4.0%
Last close$102.34$135.94
P/E at the last close8.0×8.2×
Insider trades, last 12 monthsbought $498,677, sold $29.2 millionsold $57.4 million
Piotroski F-score——
Amounts in each company's own currency, US$ unless marked (a foreign company may report in another), each company's latest fiscal year from its 10-K, or 20-F or 40-F for a foreign company. Growth rates compare with the year before; the five-year rate is the average a year. Free cash flow is cash from operations minus capital spending; return on capital is after-tax operating income over the money invested in the business; P/E is the last close over the latest earnings per share. Banks are measured differently (return on equity, efficiency ratio), so some rows apply to one company only.

Ten years

Revenue
US$ billions, fiscal years
Arch Capital GroupHartford
Operating margin
Percent of revenue
Arch Capital GroupHartford
Free cash flow
US$ billions. Cash from operations minus capital expenditure.
Arch Capital GroupHartford

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Source: the companies' Form 10-K filings, from SEC EDGAR, and the last close. For information only, not investment advice: the figures describe results, not which company is the better investment. The Filing Desk is not affiliated with either company. Full figures on the Arch Capital Group and Hartford pages.