Arch Capital vs Hartford
Hartford is the larger business, with $28.37bn of revenue in fiscal 2025 against $19.93bn for Arch Capital (1.4 times as much). Arch Capital grew faster (14.3% against 6.9%). Arch Capital kept more of each dollar of sales as profit: a net margin of 22.1% against 13.5%. Arch Capital carries less debt relative to equity (0.0% against 23.0%).
| Latest fiscal year | Arch CapitalACGL, 2025 | HartfordHIG, 2025 |
|---|---|---|
| Revenue | $19.93bn | $28.37bn |
| Revenue growth | 14.3% | 6.9% |
| Net income | $4.40bn | $3.84bn |
| Operating margin | — | — |
| Net margin | 22.1% | 13.5% |
| Return on equity | 19.5% | 21.7% |
| Free cash flow | $6.13bn | $5.75bn |
| Cash | $993m | $166m |
| Total debt | $0 | $4.37bn |
| Debt to equity | 0.0% | 23.0% |
| Dividend per share | — | $2.16 |
| Dividend yield | — | 1.7% |
| Share buybacks | $1.89bn | $1.61bn |
| Employees | 8,000 | 19,200 |
| Market value | $39.24bn | $37.01bn |
| Price vs our value range | — | — |
| Moat score | 84 (Strong) | 64 (Moderate) |
| Insider trades, 12 months | 1 buys, 11 sales | 0 buys, 18 sales |