Opening its yearly report…Finding every part…Pulling out what matters…
ACGL yearly report (10-K), explained · candor
ACGLArch Capital Group Ltd.
The yearly report (10-K), explained
Once a year, every US-listed company files a full report with the SEC called the 10-K. It's longer and more detailed than the glossy annual report sent to shareholders, and its figures are checked by an independent auditor. Here is Arch Capital Group's latest one, part by part: what each part is, why people read it, and what it says. Filed Feb 26, 2026, covering the period to Dec 31, 2025.
At a glance
AuditorPricewaterhouseCoopers LLPAuditor's opinionClean: the statements are fairly presentedCan it keep going?No going-concern warningMoney controlsManagement says they workedPeople working thereAbout 8,000Risks it lists42Shareholders of record976
Found by candor in the report's own text. Green means the usual, reassuring wording was found; amber means read that part.
Where the pages go
About 230 pages, roughly 11 hours to read in full
Point at or tap a block to see which part it is. The longest parts are usually the risks, the managers' discussion and the financial statements.
What its 42 listed risks are about
Each risk heading sorted by the words it uses. Open “What could go wrong” below to read them all.
Laws and regulators12
Other7
Economy and markets5
Cyber and data5
Debt, money and the stock4
Suppliers and operations3
Deals and investments2
Competition1
World events and climate1
Products and technology1
People1
Every part, explained
The notes behind the numbers
The statements only show totals. The 32 notes explain each one: how Arch Capital Group counts sales, what it owes and when, its tax bill, its leases, its business segments and more. Open a note to read it and see its tables.
Filed with the SEC on Feb 26, 2026, for the period ending Dec 31, 2025. Open the original report. Plain-English names and explanations are candor's; anything in quotation marks is Arch Capital Group's own words.