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The Screen · Financials · Insurance - Diversified
Arch Capital Group
ACGL · a US exchange · USD · Market cap $34.7B · 8,000 employees
Arch Capital Group Ltd., together with its subsidiaries, provides insurance, reinsurance, and mortgage insurance products in the United States, Canada, Bermuda, the United Kingdom, Europe, and Australia.
FAIL · Does not pass the screen
110.57 USD
Price as of 5 Nov 2026Daily close, not a live quote
Screened 2026-11-05 · the tape above runs as of 12:04 UTC · two dates, stated on purpose · verdict and workings shown in full · never trimmed
Key facts today
Price110.57 USD at the 5 Nov 2026 close
Our value readOvervalued vs our fair value, as of 5 Nov 2026
Positioning no disclosures inside 60 days, left as found
Options put/call open interest 0.38, read 2026-11-01
Ethical does not pass the values gate
Price110.57 USD
Fair value97.76
Ethical score10.0/100
Value readOvervaluedas of 5 Nov 2026
Our investment reviews on this name
2026-10-19Read Accumulation99.31+11.3% to today ✓Markdown gives way to Accumulation first Accumulation read since July
2026-09-19Read Markdown96.12+15.0% to today Distribution gives way to Markdown
2026-08-20Read Distribution99.09+11.6% to today Accumulation gives way to Distribution after a 9% rise in 7 weeks
2026-07-02Read Accumulation91.19+21.3% to today ✓First review on file: Accumulation
Our analytic regime reads on this name, dated and marked against the screened price. Small sample per name, and separate from the daily-framework accuracy on the Track Record page.
Arch Capital Group holds its Markup at $110.57. The statistical read favours the buyers, held for 13 days.
As held on the ledger · 2026-11-05
Phase
Markup
Quantitative state
The statistical read favours the buyers, held for 13 days
Price at the screen
$110.57
Valuation
8.70 trailing · 10.75 forward price to earnings
Values screen
FAIL· score 10.0
Beta
0.26
The Workings
Five Screens, Shown in Full
Does not pass. Business activity screen
Test
Figure
Limit
What it means
Status
Business activity
Excluded
Core business clean
Business activity: Financials sector
Fail
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
The Ethical Read
Why It Falls Short, in Plain English
Arch Capital does not clear the screen at the business-activity stage. It operates in conventional financial services, which the screen treats as interest-based, so the financial ratios are not the deciding factor here.
Read as at 2026-11-05. It updates when the underlying figures move, and past reads are kept below.
Follow this verdict
Get an email when ACGL's ethical verdict changes
Today ACGL does not pass the screen. If new figures move it to a pass, we send you one short email with the before and after. Verdicts change rarely, so you may not hear from us for a long time.
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What the Numbers Say It Is Worth
The Fair Value Range
Our analysis reads Overvalued vs our fair value, as of 5 Nov 2026: it trades above our $97.76 fair value estimate, strong competitive moat.
Fair value range in USD, drawn from the 2026-11-05 screen. The gold marker is the market price at the same screen. The price runs 13.1% above the base estimate.
Where our models see it going: fair-value estimate $97.76, with a range of $85.50 to $128.59, dated to the 2026-11-05 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Ethical screen blocks this insurer outright
Insurance and reinsurance sit at the heart of everyday risk, from homes to trade. Arch Capital runs a tight operation with a strong moat, 25 percent profit margins and 21 percent ROE. Yet the numbers do not move us.
We are staying away for one reason that has nothing to do with the business itself. It fails our ethical screen on business activity. The price sits above our fair value with revenue already shrinking, so the valuation offers no cushion either.
Analysts still lean buy and see upside, yet ethical failure overrides any near-term appeal. Revenue contraction and a thin margin of safety only add to the case for caution. Analysis, not advice.
Another profit measure, before interest, tax and non-cash costs: EBITDA.
The risks · The things to watch: its business and earnings are exposed to Bermuda and to currency swings.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
ACGL trades on a US exchange (the company is based in Bermuda). As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-11-02Accumulation$106.36+7.1%Entry 12
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved up 7.1% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 5% above its long-term trend line with momentum reading overbought. Over the past year the shares are up 1%. Our forward projection puts the odds of a 10% gain over the next month near 11%. The street (18 analysts) rates it buy, with a mean price target of $110.
2026-10-26Accumulation$99.31+0.0%Entry 11
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 5% above its long-term trend line with momentum reading overbought. Over the past year the shares are up 1%. Our forward projection puts the odds of a 10% gain over the next month near 11%. The street (19 analysts) rates it buy, with a mean price target of $110.
The framework has shifted from markdown to accumulation since the last review. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved up 3.9% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 3% above its long-term trend line with momentum reading bullish. Over the past year the shares are up 1%. Our forward projection puts the odds of a 10% gain over the next month near 11%. The street (19 analysts) rates it buy, with a mean price target of $110.
2026-10-12Markdown$95.57+0.7%Entry 9
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved up 0.7% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 2% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 1%. Our forward projection puts the odds of a 10% gain over the next month near 11%. The street (19 analysts) rates it buy, with a mean price target of $111.
2026-10-02Markdown$94.90-1.3%Entry 8
Our analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 1.3% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 2% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 1%. Our forward projection puts the odds of a 10% gain over the next month near 11%. The street (19 analysts) rates it buy, with a mean price target of $112.
2026-09-19Markdown · changed$96.12-3.0%Entry 7
The framework has shifted from distribution to markdown since the last review. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 3.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 2% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 1%. Our forward projection puts the odds of a 10% gain over the next month near 11%. The street (19 analysts) rates it buy, with a mean price target of $112.
The framework has shifted from accumulation to distribution since the last review. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 2.2% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 2% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 1%. Our forward projection puts the odds of a 10% gain over the next month near 11%. The street (19 analysts) rates it none, with a mean price target of $109.
2026-07-20Accumulation$101.35+11.1%Entry 5
Our analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved up 11.1% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 2% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 1%. Our forward projection puts the odds of a 10% gain over the next month near 11%. The street (19 analysts) rates it none, with a mean price target of $109.
2026-07-18Accumulation$91.19+0.0%Entry 4
Our analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 2% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 1%. Our forward projection puts the odds of a 10% gain over the next month near 11%. The street (19 analysts) rates it none, with a mean price target of $109.
2026-07-16Accumulation$91.19+0.0%Entry 3
Our analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 2% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 1%. Our forward projection puts the odds of a 10% gain over the next month near 11%. The street (19 analysts) rates it none, with a mean price target of $109.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
