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Arch Capital Group cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$1.7B in Q3 2026 · $5.6B over twelve months

Operating cash flow$1.8B
Capital spending−$11.0M
Free cash flow+$1.7B
Cash / net income1.7×

Analysis

In Q3 2026, Arch Capital Group generated $1.8B of operating cash flow and spent $11.0M on capital projects, leaving free cash flow of $1.7B. That is $426M less than in Q3 2025 ($2.2B).

Over the twelve months to Sep 30, 2026, operating cash flow was $5.7B; the largest uses were buybacks ($4.2B), other investing ($2.9B), capital spending ($44.0M); besides operations, cash came from other financing ($1.6B); the cash balance rose by $123M.

Operating cash flow was $1.8B against net income of $1.0B — 1.7× profit, cash ran ahead of reported earnings. The largest differences: other operating capital +$301M, stock-based pay +$20.0M.

Free cash flow

Arch Capital Group: free cash flow by quarterArch Capital Group: free cash flow by quarter$1.6BQ4 2024$1.4BQ1 2025$1.1BQ2 2025$2.2BQ3 2025$1.4BQ4 2025$1.2BQ1 2026$1.3BQ2 2026$1.7BQ3 2026
Operating cash flow less capital spending.
Arch Capital Group: operating cash flow against capital spendingArch Capital Group: operating cash flow against capital spendingOperating cash flowCapital spending$1.6B$13.0MQ4 2024$1.5B$9.0MQ1 2025$1.1B$12.0MQ2 2025$2.2B$12.0MQ3 2025$1.4B$11.0MQ4 2025$1.2B$8.0MQ1 2026$1.3B$14.0MQ2 2026$1.8B$11.0MQ3 2026
Latest (Q3 2026): Operating cash flow $1.8B, Capital spending $11.0M.

Capital allocation, year by year

Arch Capital Group: where the cash came from (up) and went (down), by fiscal yearArch Capital Group: where the cash came from (up) and went (down), by fiscal yearOperating cash flowShares issuedCapital spendingAcquisitionsBuybacksFY2021: Operating cash flow $3.4BFY2021: Shares issued $492MFY2021: Capital spending −$41.0MFY2021: Buybacks −$1.2B$3.9BFY2021FY2022: Operating cash flow $3.8BFY2022: Shares issued $6.7MFY2022: Capital spending −$50.0MFY2022: Buybacks −$586M$3.8BFY2022FY2023: Operating cash flow $5.7BFY2023: Capital spending −$52.0M$5.7BFY2023FY2024: Operating cash flow $6.7BFY2024: Capital spending −$51.0MFY2024: Acquisitions $852MFY2024: Buybacks −$24.0M$7.5BFY2024FY2025: Operating cash flow $6.2BFY2025: Capital spending −$44.0MFY2025: Buybacks −$1.9B$6.2BFY2025
Over these 5 years operating cash flow totalled $25.8B; the largest uses were buybacks ($3.7B) and capital spending ($238M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$1.2B
Debtnone
Net cash$1.2B

Arch Capital Group funds itself: free cash flow was $5.6B over the last twelve months, with $1.2B of cash and investments and no debt on the balance sheet.

Where the cash came from and went

Arch Capital Group: sources (+) and uses (−) of cash, Q3 2026Arch Capital Group: sources (+) and uses (−) of cash, Q3 2026Operating cash flow$1.8BBuybacks−$1.4BOther investing−$340MCash drawn (+) / kept (−)$29.0MCapital spending−$11.0MExchange rates$7.0MNet borrowing (+) / repaid (−)−$6.0MOther financing−$5.0M
Arch Capital Group: sources (+) and uses (−) of cash, TTM to Q3 2026Arch Capital Group: sources (+) and uses (−) of cash, TTM to Q3 2026Operating cash flow$5.7BBuybacks−$4.2BOther investing−$2.9BOther financing$1.6BCash drawn (+) / kept (−)−$123MCapital spending−$44.0MExchange rates$12.0M

From profit to cash

Arch Capital Group: net income to operating cash flow, Q3 2026Arch Capital Group: net income to operating cash flow, Q3 2026Net income$1.0BStock-based pay$20.0MOther operating capital$301MOperating cash flow$1.8B
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026$1.8B−$11.0M−$1.4B−$6.0M$29.0M$1.7B
Q2 2026$1.3B−$14.0M−$1.2B—−$225M$1.3B
Q1 2026$1.2B−$8.0M−$783M—$286M$1.2B
Q4 2025$1.4B−$11.0M−$798M—−$213M$1.4B
Q3 2025$2.2B−$12.0M−$732M—−$46.0M$2.2B
Q2 2025$1.1B−$12.0M−$163M—$177M$1.1B
Q1 2025$1.5B−$9.0M−$196M—−$225M$1.4B
Q4 2024$1.6B−$13.0M−$24.0M—−$48.0M$1.6B

Arch Capital Group: income statement and cash flow

Arch Capital Group, Q3 2026: revenue $4.7B (-9% year over year), operating margin 25.5%. The chart follows the revenue to costs, profit and cash.

Arch Capital Group: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.