Arch Capital Group Ltd. · NASDAQ:ACGL

Arch Capital — Q4 2025 Earnings Presentation

13 slides from Arch Capital's earnings presentation, Feb 10, 2026

  1. Slide 1: Investor Presentation 2025 Fourth Quarter

    INVESTOR PRESENTATION 2025 Fourth Quarter ©2026 Arch Capital Group Ltd. All rights reserved. ©2026 Arch Capital Group Ltd. All rights reserved. 1

  2. Slide 2: Informational Statements

    Informational Statements The Private Securities Litigation Reform Act of 1995 provides a “safe harbor” for forward-looking statements. This release or any other written or oral statements made by or on behalf of Arch and its subsidiaries may include forward-looking statements, which reflect the Comp

  3. Slide 3: Specialty Insurance Business

    Specialty Insurance Business Arch Operates Leading Specialty Insurance Lines Across a Wide Range of Geographies and Products Gross Premiums Written Gross Premiums Written by Segment FY 2025 ($B) From 2020 to 2025 ($M)2 48% $22,878 Reinsurance $21,511 $11.1B 6% 1,305 Mortgage 1,351 $1.3B $18,403 1,38

  4. Slide 4: Creating Shareholder Value Throughout the Cycle

    Creating Shareholder Value Throughout the Cycle Generate Superior Focus on Conservative Risk-Adjusted Underwriting Balance Sheet Returns Thorough risk assessment of Talent intensive, not Minimize investment underlying exposures people intensive risk Align executive compensation with Specialty lines

  5. Slide 5: Consistently Superior Risk-Adjusted Returns with Less Volatility

    Consistently Superior Risk-Adjusted Returns with Less Volatility Consistently SuperiorTotal Value Creation vs. Coefficient of Variation Risk-Adjusted Returns with Less Volatility 12/31/2005 – 9/30/2025 Lower Volatility, Higher Returns Higher Volatility, Higher Returns Arch has 2x the average 16% val

  6. Slide 6: Diversification Reduces Earnings Volatility

    Diversification Reduces Earnings Volatility Property and Casualty Segments Insurance Net Premiums Written Reinsurance Net Premiums Written FY 2025 ($B) FY 2025 ($B) Casualty and other Property and (Int), 13% short-tail Other, 2% specialty (Int), Marine and aviation, 4% 14% Specialty, 33% Other, 4% P

  7. Slide 7: Managed Catastrophe Risk

    Managed Catastrophe Risk Property and Casualty Segments ACGL Peak Zone 1:250 PML 1:250 as a % of tangible shareholders' equity available to Arch* 2,000 30% $1,890 $1,788 25% 1,650 $1,627 20% 1:250 PML $M 1:250 PML $M 1,300 15% 950 9.1% 9.2% 9.2% 8.1% $970 8.2% 10% 6.6% 5.8% $860 5.7% $748 600 4.2% 8

  8. Slide 8: Mortgage Insurance Diversifies Earnings

    Mortgage Insurance Diversifies Earnings Mortgage Insurance In Force ($B) Underwriting Income ($B) FY 2025 $513 $509 $501 $485 $461 $424 42% 43% 42% 37% 41% 39% 34% $1.0B 66% 61% 58% 57% 58% 59% 63% 2020 2021 2022 2023 2024 2025 U.S. Primary Mortgage Insurance International Mortgage Insurance/Reinsur

  9. Slide 9: Our Investment Strategy

    Our Investment Strategy Investments Conservative Portfolio Focused on Total Return Invested Assets ($B) Fixed Maturity by Rating ($B) December 31, 2025 December 31, 2025 Lower than B, 0.1% U.S. government, Not Rated, 2.0% Equity method funds & 15.7% B, 2.2% U.S. government other, 17.6% and governmen

  10. Slide 10: Investment Income a Steady Contributor to Book Value Growth

    Investment Income a Steady Contributor to Book Value Growth Investments Net Investment Income + Equity Method Investments ($M) $589 $600 $570 $567 Equity Method Income $548 $542 $531 Net Investment Income $500 $155 $171 $143 $162 $134 $426 $167 $431 $415 $400 $53 $99 $102 $300 $434 $200 $399 $405 $4

  11. Slide 11: Links to Sustainability Documents

    Links to Sustainability Documents ▪ We believe in the value of transparency around our sustainability initiatives, and we are committed to sharing our progress to relevant stakeholders on an annual basis across the following three reports: Annual Sustainability Report Sustainability Accounting Stand

  12. Slide 12: Superior Value Creation

    Superior Value Creation Book Value per Common Share1 + Cumulative Common Dividends $70 $5.00 Book Value Cumulative Common Dividends 3 $60 15.9% $5.00 Compound $50 Annual Growth Rate $40 $65.11 $30 $53.11 $46.94 $20 $33.56 $32.62 $30.31 $26.42 $10 $21.52 $18.40 $20.30 $15.09 $15.88 $9.91 $10.51 $11.9

  13. Slide 13: Contact

    Contact Investor Inquiries: Donald Watson Vinay Misquith Executive Vice President, Senior Vice President, Financial Services Finance _________ _________ (914) 872 3616 (914) 872 3666 DWatson@archgroup.com VMisquith@archgroup.com Jordan Arnold Maureen Kitson Director, Executive Assistant, Financial S

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