ACGL vs. AON: Arch Capital vs. Aon Stock Comparison
How do Arch Capital (ACGL) and Aon (AON) 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 Aon (AON) both belong to the Insurance industry, though ACGL is classified under Property & Casualty Insurance while AON falls under Insurance Brokers.
| Profile Item | ACGL | AON |
|---|---|---|
| Name | Arch Capital Group Ltd. | Aon plc Class A |
| Country/Region | Bermuda | Ireland |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Insurance | Insurance |
| GICS Industry | Insurance | Insurance |
| GICS Sub-Industry | Property & Casualty Insurance | Insurance Brokers |
| Market Capitalization | 34.92 billion USD | 71.03 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | NYSE |
| Listing Date | September 14, 1995 | June 2, 1980 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | ACGL | AON |
|---|---|---|
| Total Return (1Y) | 19.55% | -1.97% |
| Total Return (3Y, Annualized) | 9.97% | 1.25% |
| Total Return (5Y, Annualized) | 21.79% | 3.28% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | ACGL | AON |
|---|---|---|
| Volatility (1Y, Annualized) | 21.17% | 29.20% |
| Beta (5Y) | 0.22 | 0.60 |
| Max Drawdown (5Y) | -22.43% | -33.57% |
| Avg. Volume (3M) | 2.86M | 1.64M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | ACGL | AON |
|---|---|---|
| Sharpe Ratio (1Y) | 0.72 | -0.21 |
| Sortino Ratio (1Y) | 1.03 | -0.29 |
Profitability
ROE (TTM)
Aon (AON) at 43.38% clears its industry range for ROE, a sharper capital-efficiency signal than Arch Capital (ACGL) at 18.74%, which is closer to a typical peer reading.
ACGL
Insurance industry group
18.74%
- Max
- 41.68%
- Q3
- 22.04%
- ACGL
- 18.74%
- Median
- 14.81%
- Q1
- 8.79%
- Min
- -10.66%
AON
Insurance industry group
43.38%
- AON
- 43.38%
- Max
- 41.68%
- Q3
- 22.04%
- Median
- 14.81%
- Q1
- 8.79%
- Min
- -10.66%
Net Margin (TTM)
For every dollar of sales, both Arch Capital (ACGL) at 23.31% and Aon (AON) at 22.24% 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%
AON
Insurance industry group
22.24%
- Max
- 29.92%
- AON
- 22.24%
- 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 Aon (AON) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | ACGL | AON |
|---|---|---|
| ROE (TTM) | 18.74% | 43.38% |
| ROA (TTM) | 3.90% | 5.45% |
| Net Margin (TTM) | 23.31% | 22.24% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Arch Capital (ACGL) at 13.96% and Aon (AON) at 9.45% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.
EPS Growth
Both Arch Capital (ACGL) at 3.66% and Aon (AON) at 36.27% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.
Growth Metrics
| Metric | ACGL | AON |
|---|---|---|
| Revenue Growth (YoY) | 13.96% | 9.45% |
| Revenue Growth (3Y CAGR) | 26.14% | 11.25% |
| EPS Growth (YoY) | 3.66% | 36.27% |
| EPS Growth (3Y CAGR) | 45.06% | 11.92% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Arch Capital (ACGL) in Insurance and Aon (AON) 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 Aon (AON) 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 | AON |
|---|---|---|
| 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 Aon (AON) reports a yield of 0.91%, 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%
AON
Insurance industry group
0.91%
- Max
- 5.12%
- Q3
- 2.15%
- Median
- 0.98%
- AON
- 0.91%
- 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 Aon (AON) reports a payout of 17.13%, 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%
AON
Insurance industry group
17.13%
- Max
- 76.67%
- Q3
- 35.18%
- AON
- 17.13%
- Median
- 14.74%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | ACGL | AON |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 0.91% |
| Dividend Payout Ratio (TTM) | 0.00% | 17.13% |
Valuation
P/E Ratio (TTM)
Arch Capital (ACGL) at 8.77 sits in the cheaper P/E ratio quartile, while Aon (AON) at 18.33 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
AON
Insurance industry group
18.33
- Max
- 28.37
- Q3
- 18.75
- AON
- 18.33
- 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 Aon (AON) at 4.02 sits in the pricier quartile — AON 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
AON
Insurance industry group
4.02
- Max
- 4.03
- AON
- 4.02
- Q3
- 2.25
- Median
- 1.23
- Q1
- 0.85
- Min
- 0.07
P/B Ratio (MRQ)
Arch Capital (ACGL) at 1.57 sits near its industry’s typical P/B ratio, while Aon (AON) at 7.03 prices above its benchmark range — AON looks rich relative to book.
ACGL
Insurance industry group
1.57
- Max
- 5.07
- Q3
- 2.79
- Median
- 1.76
- ACGL
- 1.57
- Q1
- 1.23
- Min
- 0.30
AON
Insurance industry group
7.03
- AON
- 7.03
- Max
- 5.07
- Q3
- 2.79
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
Valuation Metrics
| Metric | ACGL | AON |
|---|---|---|
| P/E Ratio (TTM) | 8.77 | 18.33 |
| P/S Ratio (TTM) | 1.86 | 4.02 |
| P/B Ratio (MRQ) | 1.57 | 7.03 |
| Free Cash Flow Yield (TTM) | -- | -- |