ACGL vs. AEG: Arch Capital vs. Aegon Stock Comparison
How do Arch Capital (ACGL) and Aegon (AEG) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Arch Capital (ACGL) and Aegon (AEG) both belong to the Insurance industry, though ACGL is classified under Property & Casualty Insurance while AEG falls under Life & Health Insurance.
Arch Capital (ACGL) trades as ordinary local shares, while Aegon (AEG) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.
| Profile Item | ACGL | AEG |
|---|---|---|
| Name | Arch Capital Group Ltd. | Aegon Ltd. New York Registry Shares |
| Country/Region | Bermuda | Netherlands |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Insurance | Insurance |
| GICS Industry | Insurance | Insurance |
| GICS Sub-Industry | Property & Casualty Insurance | Life & Health Insurance |
| Market Capitalization | 34.92 billion USD | 12.09 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | NYSE |
| Listing Date | September 14, 1995 | June 28, 1985 |
| Security Type | Common Stock | ADR |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | ACGL | AEG |
|---|---|---|
| Total Return (1Y) | 19.55% | 19.25% |
| Total Return (3Y, Annualized) | 9.97% | 26.15% |
| Total Return (5Y, Annualized) | 21.79% | 17.53% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | ACGL | AEG |
|---|---|---|
| Volatility (1Y, Annualized) | 21.17% | 24.91% |
| Beta (5Y) | 0.22 | 0.85 |
| Max Drawdown (5Y) | -22.43% | -36.55% |
| Avg. Volume (3M) | 2.86M | 5.27M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | ACGL | AEG |
|---|---|---|
| Sharpe Ratio (1Y) | 0.72 | 0.60 |
| Sortino Ratio (1Y) | 1.03 | 0.84 |
Profitability
ROE (TTM)
Both Arch Capital (ACGL) at 18.74% and Aegon (AEG) at 11.07% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.
ACGL
Insurance industry group
18.74%
- Max
- 41.68%
- Q3
- 22.04%
- ACGL
- 18.74%
- Median
- 14.81%
- Q1
- 8.79%
- Min
- -10.66%
AEG
Insurance industry group
11.07%
- Max
- 41.68%
- Q3
- 22.04%
- Median
- 14.81%
- AEG
- 11.07%
- Q1
- 8.79%
- Min
- -10.66%
Net Margin (TTM)
Arch Capital (ACGL) at 23.31% retains a top-quartile share of revenue as profit, ahead of Aegon (AEG) at 8.62%, which keeps about the industry-typical share.
ACGL
Insurance industry group
23.31%
- Max
- 29.92%
- ACGL
- 23.31%
- Q3
- 17.03%
- Median
- 10.97%
- Q1
- 6.21%
- Min
- -4.68%
AEG
Insurance industry group
8.62%
- Max
- 29.92%
- Q3
- 17.03%
- Median
- 10.97%
- AEG
- 8.62%
- Q1
- 6.21%
- Min
- -4.68%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Arch Capital (ACGL) in Insurance and Aegon (AEG) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | ACGL | AEG |
|---|---|---|
| ROE (TTM) | 18.74% | 11.07% |
| ROA (TTM) | 3.90% | 0.10% |
| Net Margin (TTM) | 23.31% | 8.62% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Aegon (AEG) at 37.63% sits in the top revenue growth quartile, while Arch Capital (ACGL) at 13.96% is closer to the peer norm — faster top-line expansion for AEG.
EPS Growth
Aegon (AEG) at 59.46% sits in the top EPS growth quartile, while Arch Capital (ACGL) at 3.66% is closer to the peer norm — faster per-share earnings growth for AEG.
Growth Metrics
| Metric | ACGL | AEG |
|---|---|---|
| Revenue Growth (YoY) | 13.96% | 37.63% |
| Revenue Growth (3Y CAGR) | 26.14% | -- |
| EPS Growth (YoY) | 3.66% | 59.46% |
| EPS Growth (3Y CAGR) | 45.06% | -- |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Arch Capital (ACGL) in Insurance and Aegon (AEG) in Insurance both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.
Debt / Equity (MRQ)
debt-to-equity ratio is set aside for both: Arch Capital (ACGL) in Insurance and Aegon (AEG) in Insurance run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.
Financial Strength Metrics
| Metric | ACGL | AEG |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Arch Capital (ACGL) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Aegon (AEG) reports a yield of 4.96%, ranking against industry peers normally.
ACGL
Insurance industry group
0.00%
- Max
- 5.12%
- Q3
- 2.15%
- Median
- 0.98%
- ACGL
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
AEG
Insurance industry group
4.96%
- Max
- 5.12%
- AEG
- 4.96%
- Q3
- 2.15%
- Median
- 0.98%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Arch Capital (ACGL) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Aegon (AEG) reports a payout of 61.52%, ranking against industry peers normally.
ACGL
Insurance industry group
0.00%
- Max
- 76.67%
- Q3
- 35.18%
- Median
- 14.74%
- ACGL
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
AEG
Insurance industry group
61.52%
- Max
- 76.67%
- AEG
- 61.52%
- Q3
- 35.18%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | ACGL | AEG |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 4.96% |
| Dividend Payout Ratio (TTM) | 0.00% | 61.52% |
Valuation
P/E Ratio (TTM)
Arch Capital (ACGL) at 8.77 sits in the cheaper P/E ratio quartile, while Aegon (AEG) at 12.03 is closer to its industry’s usual earnings multiple — a discount for ACGL, though growth and earnings durability still matter.
ACGL
Insurance industry group
8.77
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- Q1
- 9.08
- ACGL
- 8.77
- Min
- 2.32
AEG
Insurance industry group
12.03
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- AEG
- 12.03
- Q1
- 9.08
- Min
- 2.32
P/S Ratio (TTM)
On P/S ratio, both Arch Capital (ACGL) at 1.86 and Aegon (AEG) at 1.04 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.
ACGL
Insurance industry group
1.86
- Max
- 4.03
- Q3
- 2.25
- ACGL
- 1.86
- Median
- 1.23
- Q1
- 0.85
- Min
- 0.07
AEG
Insurance industry group
1.04
- Max
- 4.03
- Q3
- 2.25
- Median
- 1.23
- AEG
- 1.04
- Q1
- 0.85
- Min
- 0.07
P/B Ratio (MRQ)
On P/B ratio, both Arch Capital (ACGL) at 1.57 and Aegon (AEG) at 1.23 are valued close to their industries’ norm against book — neither stands out from peers.
ACGL
Insurance industry group
1.57
- Max
- 5.07
- Q3
- 2.79
- Median
- 1.76
- ACGL
- 1.57
- Q1
- 1.23
- Min
- 0.30
AEG
Insurance industry group
1.23
- Max
- 5.07
- Q3
- 2.79
- Median
- 1.76
- AEG
- 1.23
- Q1
- 1.23
- Min
- 0.30
Valuation Metrics
| Metric | ACGL | AEG |
|---|---|---|
| P/E Ratio (TTM) | 8.77 | 12.03 |
| P/S Ratio (TTM) | 1.86 | 1.04 |
| P/B Ratio (MRQ) | 1.57 | 1.23 |
| Free Cash Flow Yield (TTM) | -- | -- |