Revenue: As of FY2025 Q2, the actual value is USD 4.337 B.EPS: As of FY2025 Q2, the actual value is USD 3.23.EBIT: As of FY2025 Q2, the actual value is USD 1.411 B.<h3>Insurance Segment</h3><ul><li>Gross Premiums Written: $2,681 million, up 27.5% from $2,102 million in Q2 2024.</li><li>Net Premiums Written: $2,036 million, up 30.7% from $1,558 million in Q2 2024.</li><li>Net Premiums Earned: $1,969 million, up 33.2% from $1,478 million in Q2 2024.</li><li>Underwriting Income: $129 million, up 18.3% from $109 million in Q2 2024.</li><li>Loss Ratio: 59.8%, up from 57.3% in Q2 2024.</li><li>Underwriting Expense Ratio: 33.6%, down from 35.3% in Q2 2024.</li><li>Combined Ratio: 93.4%, up from 92.6% in Q2 2024.</li></ul><h3>Reinsurance Segment</h3><ul><li>Gross Premiums Written: $3,196 million, up 8.7% from $2,941 million in Q2 2024.</li><li>Net Premiums Written: $2,059 million, up 5.8% from $1,947 million in Q2 2024.</li><li>Net Premiums Earned: $2,087 million, up 17.2% from $1,780 million in Q2 2024.</li><li>Underwriting Income: $451 million, up 23.2% from $366 million in Q2 2024.</li><li>Loss Ratio: 54.1%, down from 56.5% in Q2 2024.</li><li>Underwriting Expense Ratio: 24.4%, up from 23.0% in Q2 2024.</li><li>Combined Ratio: 78.5%, down from 79.5% in Q2 2024.</li></ul><h3>Mortgage Segment</h3><ul><li>Gross Premiums Written: $323 million, down 5.0% from $340 million in Q2 2024.</li><li>Net Premiums Written: $253 million, down 8.3% from $276 million in Q2 2024.</li><li>Net Premiums Earned: $281 million, down 8.5% from $307 million in Q2 2024.</li><li>Underwriting Income: $238 million, down 17.1% from $287 million in Q2 2024.</li><li>Loss Ratio: -1.2%, up from -8.6% in Q2 2024.</li><li>Underwriting Expense Ratio: 16.4%, up from 16.0% in Q2 2024.</li><li>Combined Ratio: 15.2%, up from 7.4% in Q2 2024.</li></ul><h3>Corporate</h3><ul><li>Net Investment Income: $405 million, up from $364 million in Q2 2024.</li><li>Net Realized Gains: $229 million, up from $122 million in Q2 2024.</li><li>Equity in Net Income of Investments: $162 million, down from $167 million in Q2 2024.</li><li>Net Foreign Exchange Losses: -$88 million, compared to gains of $1 million in Q2 2024.</li><li>Income Tax Expense: $214 million, up from $97 million in Q2 2024.</li></ul><h3>Segment Revenue</h3><ul><li>Gross premiums written: $6,196 million for the three months ended June 30, 2025, compared to $5,382 million for the same period in 2024, an increase of 15.1%.</li><li>Net premiums written: $4,348 million for the three months ended June 30, 2025, compared to $3,781 million for the same period in 2024, an increase of 15.0%.</li><li>Net premiums earned: $4,337 million for the three months ended June 30, 2025, compared to $3,565 million for the same period in 2024, an increase of 21.7%.</li></ul><h3>Operational Metrics</h3><ul><li>Net income available to Arch common shareholders: $1,227 million for the three months ended June 30, 2025, compared to $1,259 million for the same period in 2024, a decrease of 2.5%.</li><li>Underwriting income: $818 million for the three months ended June 30, 2025, compared to $762 million for the same period in 2024, an increase of 7.3%.</li><li>Loss ratio: 53.1% for the three months ended June 30, 2025, compared to 51.2% for the same period in 2024.</li><li>Acquisition expense ratio: 19.0% for the three months ended June 30, 2025, compared to 17.8% for the same period in 2024.</li><li>Other operating expense ratio: 9.1% for the three months ended June 30, 2025, compared to 9.7% for the same period in 2024.</li><li>Combined ratio: 81.2% for the three months ended June 30, 2025, compared to 78.7% for the same period in 2024.</li></ul><h3>Cash Flow</h3><ul><li>Net cash provided by operating activities: $1,124 million for the three months ended June 30, 2025, compared to $1,518 million for the same period in 2024, a decrease of 26.0%.</li></ul><h3>Unique Metrics</h3><ul><li>Net investment income: $405 million for the three months ended June 30, 2025, compared to $364 million for the same period in 2024, an increase of 11.3%.</li><li>Net realized gains: $229 million for the three months ended June 30, 2025, compared to $122 million for the same period in 2024.</li></ul><h3>Outlook / Guidance</h3><ul><li>The company emphasizes its disciplined underwriting approach and dynamic capital management to consistently generate superior returns across market cycles.</li><li>The company expects continued growth in gross premiums written and net premiums written, driven by strong performance in the insurance and reinsurance segments.</li></ul>

ACGLO 5.45 P12/31/49 F | 8-K: FY2025 Q2 Revenue: USD 4.337 B