ACGL vs. AFL: Arch Capital vs. Aflac Stock Comparison
How do Arch Capital (ACGL) and Aflac (AFL) 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 Aflac (AFL) both belong to the Insurance industry, though ACGL is classified under Property & Casualty Insurance while AFL falls under Life & Health Insurance.
| Profile Item | ACGL | AFL |
|---|---|---|
| Name | Arch Capital Group Ltd. | Aflac Incorporated |
| Country/Region | Bermuda | United States |
| 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 | 61.36 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | NYSE |
| Listing Date | September 14, 1995 | March 17, 1980 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | ACGL | AFL |
|---|---|---|
| Total Return (1Y) | 19.55% | 12.21% |
| Total Return (3Y, Annualized) | 9.97% | 18.21% |
| Total Return (5Y, Annualized) | 21.79% | 20.06% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | ACGL | AFL |
|---|---|---|
| Volatility (1Y, Annualized) | 21.17% | 17.13% |
| Beta (5Y) | 0.22 | 0.55 |
| Max Drawdown (5Y) | -22.43% | -19.86% |
| Avg. Volume (3M) | 2.86M | 1.93M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | ACGL | AFL |
|---|---|---|
| Sharpe Ratio (1Y) | 0.72 | 0.46 |
| Sortino Ratio (1Y) | 1.03 | 0.68 |
Profitability
ROE (TTM)
Both Arch Capital (ACGL) at 18.74% and Aflac (AFL) at 12.17% 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%
AFL
Insurance industry group
12.17%
- Max
- 41.68%
- Q3
- 22.04%
- Median
- 14.81%
- AFL
- 12.17%
- Q1
- 8.79%
- Min
- -10.66%
Net Margin (TTM)
For every dollar of sales, both Arch Capital (ACGL) at 23.31% and Aflac (AFL) at 21.24% retain more as net profit than most peers, landing in the top net margin quartile of their industries.
ACGL
Insurance industry group
23.31%
- Max
- 29.92%
- ACGL
- 23.31%
- Q3
- 17.03%
- Median
- 10.97%
- Q1
- 6.21%
- Min
- -4.68%
AFL
Insurance industry group
21.24%
- Max
- 29.92%
- AFL
- 21.24%
- Q3
- 17.03%
- Median
- 10.97%
- Q1
- 6.21%
- Min
- -4.68%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Arch Capital (ACGL) in Insurance and Aflac (AFL) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | ACGL | AFL |
|---|---|---|
| ROE (TTM) | 18.74% | 12.17% |
| ROA (TTM) | 3.90% | 2.39% |
| Net Margin (TTM) | 23.31% | 21.24% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Arch Capital (ACGL) at 13.96% is around its peer norm for revenue growth, while Aflac (AFL) at -9.27% drops into the bottom quartile, signaling weaker demand or pricing momentum.
EPS Growth
Arch Capital (ACGL) at 3.66% is around its peer norm for EPS growth, while Aflac (AFL) at -29.18% drops into the bottom quartile, signaling weaker earnings momentum.
Growth Metrics
| Metric | ACGL | AFL |
|---|---|---|
| Revenue Growth (YoY) | 13.96% | -9.27% |
| Revenue Growth (3Y CAGR) | 26.14% | -3.23% |
| EPS Growth (YoY) | 3.66% | -29.18% |
| EPS Growth (3Y CAGR) | 45.06% | -0.53% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Arch Capital (ACGL) in Insurance and Aflac (AFL) 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 Aflac (AFL) 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 | AFL |
|---|---|---|
| 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 Aflac (AFL) reports a yield of 1.91%, 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%
AFL
Insurance industry group
1.91%
- Max
- 5.12%
- Q3
- 2.15%
- AFL
- 1.91%
- 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 Aflac (AFL) reports a payout of 35.18%, 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%
AFL
Insurance industry group
35.18%
- Max
- 76.67%
- AFL
- 35.18%
- Q3
- 35.18%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | ACGL | AFL |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 1.91% |
| Dividend Payout Ratio (TTM) | 0.00% | 35.18% |
Valuation
P/E Ratio (TTM)
Arch Capital (ACGL) at 8.77 sits in the cheaper P/E ratio quartile, while Aflac (AFL) at 18.11 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
AFL
Insurance industry group
18.11
- Max
- 28.37
- Q3
- 18.75
- AFL
- 18.11
- Median
- 12.23
- Q1
- 9.08
- Min
- 2.32
P/S Ratio (TTM)
Arch Capital (ACGL) at 1.86 is priced about in line with its industry on P/S ratio, while Aflac (AFL) at 3.70 sits in the pricier quartile — AFL costs more per dollar of sales.
ACGL
Insurance industry group
1.86
- Max
- 4.03
- Q3
- 2.25
- ACGL
- 1.86
- Median
- 1.23
- Q1
- 0.85
- Min
- 0.07
AFL
Insurance industry group
3.70
- Max
- 4.03
- AFL
- 3.70
- Q3
- 2.25
- Median
- 1.23
- Q1
- 0.85
- Min
- 0.07
P/B Ratio (MRQ)
On P/B ratio, both Arch Capital (ACGL) at 1.57 and Aflac (AFL) at 2.10 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
AFL
Insurance industry group
2.10
- Max
- 5.07
- Q3
- 2.79
- AFL
- 2.10
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
Valuation Metrics
| Metric | ACGL | AFL |
|---|---|---|
| P/E Ratio (TTM) | 8.77 | 18.11 |
| P/S Ratio (TTM) | 1.86 | 3.70 |
| P/B Ratio (MRQ) | 1.57 | 2.10 |
| Free Cash Flow Yield (TTM) | -- | -- |