Form 8-K

8-K — ARCH CAPITAL GROUP LTD.

Accession: 0000947484-26-000128

Filed: 2026-10-27

Period: 2026-10-27

CIK: 0000947484

SIC: 6331 (FIRE, MARINE & CASUALTY INSURANCE)

Item: Results of Operations and Financial Condition

Item: Financial Statements and Exhibits

Documents

8-K — acgl-20261027.htm (Primary)

EX-99.1 (ex-991release93026.htm)

EX-99.2 (ex-992supplement93026.htm)

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8-K

8-K (Primary)

Filename: acgl-20261027.htm · Sequence: 1

acgl-20261027

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

Current Report Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

October 27, 2026

Date of Report (Date of earliest event reported)

Arch Capital Group Ltd.

(Exact name of registrant as specified in its charter)

Bermuda 001-16209 98-0374481

(State or other

jurisdiction of

incorporation or

organization) (Commission File Number) (I.R.S. Employer

Identification No.)

Waterloo House, Ground Floor, 100 Pitts Bay Road, Pembroke HM 08, Bermuda

(Address of principal executive offices) (Zip Code)

Registrant’s telephone number, including area code:

(441) 278-9250

N/A

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Exchange Act:

Title of each class Trading Symbol (s) Name of each exchange on which registered

Common shares, $0.0011 par value per share ACGL NASDAQ Stock Market

Depositary shares, each representing a 1/1,000th interest in a 5.45% Series F preferred share

ACGLO

NASDAQ Stock Market

Depositary shares, each representing a 1/1,000th interest in a 4.55% Series G preferred share ACGLN NASDAQ Stock Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. o

ITEM 2.02 Results of Operations and Financial Condition.

On October 27, 2026 Arch Capital Group Ltd. issued a press release reporting its earnings and the availability of its financial supplement for the quarter ended September 30, 2026. The press release and financial supplement are attached to this Current Report on Form 8-K as Exhibit 99.1 and Exhibit 99.2, respectively, and are incorporated herein by reference.

The information in this Current Report on Form 8-K, including the information set forth in Exhibit 99.1 and Exhibit 99.2, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such a filing.

ITEM 9.01 Financial Statements and Exhibits.

(d): The following exhibits are being filed herewith.

EXHIBIT NO. DESCRIPTION

99.1

Press Release dated October 27, 2026 announcing the earnings of Arch Capital Group Ltd. for the quarter ended September 30, 2026

99.2

2026 Third Quarter Financial Supplement

104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

ARCH CAPITAL GROUP LTD.

Date: October 27, 2026 By: /s/ François Morin

Name: François Morin

Title: Executive Vice President, Chief Financial Officer and Treasurer

EX-99.1

Filename: ex-991release93026.htm · Sequence: 2

Document

EXHIBIT 99.1

PRESS RELEASE Arch Capital Group Ltd.

NASDAQ Symbol: ACGL Waterloo House, Ground Floor

For Immediate Release 100 Pitts Bay Road

October 27, 2026

Pembroke HM 08 Bermuda

ARCH CAPITAL GROUP LTD. REPORTS 2026 THIRD QUARTER RESULTS

PEMBROKE, BERMUDA--(BUSINESS WIRE)--Arch Capital Group Ltd. (NASDAQ: ACGL; “Arch,” “our” or “the Company”) announces its 2026 third quarter results. The results included:

•Net income available to Arch common shareholders of $1.0 billion, or $3.00 per share, representing an 18.1% annualized net income return on average common equity, compared to net income available to Arch common shareholders of $1.3 billion, or $3.56 per share, for the 2025 third quarter.

•After-tax operating income available to Arch common shareholders(1) of $910 million, or $2.67 per share, representing a 16.0% annualized operating return on average common equity(1), compared to $1.0 billion, or $2.77 per share, for the 2025 third quarter.

•Pre-tax current accident year catastrophic losses for the Company’s insurance and reinsurance segments, net of reinsurance and reinstatement premiums, of $234 million.

•Favorable development in prior year loss reserves, net of related adjustments, of $179 million.

•Combined ratio excluding catastrophic activity and prior year development(1) of 81.2%, compared to 80.5% for the 2025 third quarter.

•Share repurchases of $1.4 billion.

•Book value per common share of $67.90 at September 30, 2026, a 0.2% decrease from June 30, 2026.

“We delivered a strong quarter, driven by solid underwriting performance across our three segments and continued strength from our investment portfolio,” said Arch CEO Nicolas Papadopoulo. “We are operating in a transitioning market where conditions are increasingly uneven, but we are prepared and welcome the challenge. The market will continue to evolve, but our core principles will not, and we remain focused on producing superior risk-adjusted returns over the long term. As Arch celebrates its first 25 years, I want to thank our employees for what we have built together: a global franchise, a strong brand and a culture anchored in our Values. I also want to thank our investors for their continued confidence in Arch.”

All earnings per share amounts discussed in this release are on a diluted basis. The following table summarizes the Company’s underwriting results:

(U.S. Dollars in millions) Three Months Ended September 30,

2026 2025 % Change

Gross premiums written $ 5,391 $ 5,410 (0.4)

Net premiums written 3,845 3,964 (3.0)

Net premiums earned 4,014 4,285 (6.3)

Underwriting income (1)

702 871 (19.4)

Underwriting Ratios % Point Change

Loss ratio 55.0 % 51.4 % 3.6

Underwriting expense ratio (2)

27.5 % 28.4 % (0.9)

Combined ratio 82.5 % 79.8 % 2.7

Combined ratio excluding catastrophic activity and prior year development (1)

81.2 % 80.5 % 0.7

(1) See ‘Comments on Non-GAAP Financial Measures’ for further details.

(2) The ‘Underwriting expense ratio’ includes ‘Other underwriting income.’ See ‘Comments on Non-GAAP Financial Measures’ for further details.

The following table summarizes the Company’s consolidated financial data, including a reconciliation of net income or loss available to Arch common shareholders to after-tax operating income or loss available to Arch common shareholders and related diluted per share results (see ‘Comments on Non-GAAP Financial Measures’ for further details):

(U.S. Dollars in millions, except per share data) Three Months Ended

September 30,

2026 2025

Net income available to Arch common shareholders $ 1,025 $ 1,340

Net realized (gains) losses (1) 99 (210)

Equity in net (income) of investments accounted for using the equity method (224) (134)

Net foreign exchange (gains) losses (18) 7

Transaction costs and other 17 21

Income tax expense (benefit) (2) 11 18

After-tax operating income available to Arch common shareholders $ 910 $ 1,042

Diluted per common share results:

Net income available to Arch common shareholders $ 3.00 $ 3.56

Net realized (gains) losses (1) 0.29 (0.56)

Equity in net (income) of investments accounted for using the equity method (0.66) (0.36)

Net foreign exchange (gains) losses (0.04) 0.02

Transaction costs and other 0.05 0.06

Income tax expense (benefit) (2) 0.03 0.05

After-tax operating income available to Arch common shareholders $ 2.67 $ 2.77

Weighted average common shares and common share equivalents outstanding — diluted 341.4 376.1

Beginning common shareholders’ equity $ 23,200 $ 22,211

Ending common shareholders’ equity 22,162 22,889

Average common shareholders’ equity $ 22,681 $ 22,550

Annualized net income return on average common equity 18.1 % 23.8 %

Annualized operating return on average common equity 16.0 % 18.5 %

(1) Net realized gains or losses include, but are not limited to, realized and unrealized changes in the fair value of equity securities and assets accounted for using the fair value option, realized and unrealized gains and losses on derivative instruments, changes in the allowance for credit losses on financial assets and gains and losses realized from the acquisition or disposition of subsidiaries.

(2) Income tax expense (benefit) on net realized gains or losses, equity in net income of investments accounted for using the equity method, net foreign exchange gains or losses and transaction costs and other reflects the relative mix reported by jurisdiction and the varying tax rates in each jurisdiction.

Segment Information

The following section provides analysis on the Company’s 2026 third quarter performance by reportable segments. For additional details regarding the Company’s reportable segments, please refer to the Company’s Financial Supplement dated September 30, 2026. On August 1, 2024, the insurance segment completed the acquisition of the U.S. MidCorp and Entertainment insurance businesses from Allianz (MCE Acquisition). The Company’s segment information includes the use of underwriting income (loss) and a combined ratio excluding catastrophic activity and prior year development (see ‘Comments on Non-GAAP Financial Measures’ for further details).

Insurance Segment

Three Months Ended September 30,

(U.S. Dollars in millions) 2026 2025 % Change

Gross premiums written $ 2,766 $ 2,567 7.8

Net premiums written 2,006 1,953 2.7

Net premiums earned 1,937 1,969 (1.6)

Other underwriting income 15 9 66.7

Underwriting income $ 108 $ 129 (16.3)

Underwriting Ratios % Point Change

Loss ratio 60.8 % 59.0 % 1.8

Underwriting expense ratio 33.6 % 34.4 % (0.8)

Combined ratio 94.4 % 93.4 % 1.0

Catastrophic activity and prior year development:

Current accident year catastrophic events, net of reinsurance and reinstatement premiums 5.7 % 2.2 % 3.5

Net (favorable) adverse development in prior year loss reserves, net of related adjustments

Loss ratio impact (0.7) % (0.7) % —

Underwriting expense ratio impact 0.2 % 0.6 % (0.4)

Total impact (0.5) % (0.1) % (0.4)

Combined ratio excluding catastrophic activity and prior year development 89.2 % 91.3 % (2.1)

Gross premiums written by the insurance segment in the 2026 third quarter were 7.8% higher than in the 2025 third quarter, while net premiums written were 2.7% higher than in the 2025 third quarter. Adjusting for the non-renewal of certain programs related to the MCE Acquisition, net premiums written would have increased by 5.8% compared to the same quarter one year ago and reflected strong growth in international business. Net premiums earned in the 2026 third quarter were 1.6% lower than in the 2025 third quarter and reflect changes in net premiums written over the previous five quarters.

The 2026 third quarter loss ratio reflected 5.7 points of current year catastrophic activity, which includes losses related to the Iran conflict, compared to 2.2 points in the 2025 third quarter. Estimated net favorable development of prior year loss reserves, before related adjustments, reduced the loss ratio by 0.7 points in the 2026 third quarter, compared to 0.7 points in the 2025 third quarter. The balance of the change in the loss ratio resulted, in part, from the incremental earned premium in the quarter resulting from the Iran conflict.

The underwriting expense ratio was 33.6% in the 2026 third quarter, compared to 34.4% in the 2025 third quarter. The 2026 third quarter ratio primarily reflected the benefit of Bermuda qualified refundable tax credits (“QRTCs”).

Reinsurance Segment

Three Months Ended September 30,

(U.S. Dollars in millions) 2026 2025 % Change

Gross premiums written $ 2,313 $ 2,515 (8.0)

Net premiums written 1,576 1,737 (9.3)

Net premiums earned 1,807 2,015 (10.3)

Other underwriting income 43 38 13.2

Underwriting income $ 393 $ 482 (18.5)

Underwriting Ratios % Point Change

Loss ratio 55.9 % 51.6 % 4.3

Underwriting expense ratio 22.4 % 24.5 % (2.1)

Combined ratio 78.3 % 76.1 % 2.2

Catastrophic activity and prior year development:

Current accident year catastrophic events, net of reinsurance and reinstatement premiums 6.9 % 1.5 % 5.4

Net (favorable) adverse development in prior year loss reserves, net of related adjustments

Loss ratio impact (7.4) % (2.6) % (4.8)

Underwriting expense ratio impact 0.4 % 0.4 % —

Total impact (7.0) % (2.2) % (4.8)

Combined ratio excluding catastrophic activity and prior year development 78.4 % 76.8 % 1.6

Gross premiums written by the reinsurance segment in the 2026 third quarter were 8.0% lower than in the 2025 third quarter, while net premiums written were 9.3% lower than in the 2025 third quarter. Reductions in net premiums written this quarter were due, in part, to non-renewals and share reductions. Net premiums earned in the 2026 third quarter were 10.3% lower than in the 2025 third quarter and reflect changes in net premiums written over the previous five quarters.

The 2026 third quarter loss ratio reflected 7.5 points of current year catastrophic activity, compared to 1.3 points in the 2025 third quarter. Estimated net favorable development of prior year loss reserves, before related adjustments, reduced the loss ratio by 7.4 points in the 2026 third quarter, compared to 2.6 points in the 2025 third quarter. The loss ratio was also impacted by changes in rate and mix of business.

The underwriting expense ratio was 22.4% in the 2026 third quarter, compared to 24.5% in the 2025 third quarter, with the decrease primarily reflecting the impact of higher commissions on retrocessions. The 2026 third quarter also reflected the benefit of QRTCs.

Mortgage Segment

Three Months Ended September 30,

(U.S. Dollars in millions) 2026 2025 % Change

Gross premiums written $ 316 $ 330 (4.2)

Net premiums written 263 274 (4.0)

Net premiums earned 270 301 (10.3)

Other underwriting income 3 3 —

Underwriting income $ 201 $ 260 (22.7)

Underwriting Ratios % Point Change

Loss ratio 6.9 % (0.5) % 7.4

Underwriting expense ratio 18.6 % 14.0 % 4.6

Combined ratio 25.5 % 13.5 % 12.0

Prior year development:

Net (favorable) adverse development in prior year loss reserves, net of related adjustments

Loss ratio impact (15.4) % (18.1) % 2.7

Underwriting expense ratio impact (0.7) % (1.1) % 0.4

Total impact (16.1) % (19.2) % 3.1

Combined ratio excluding prior year development 41.6 % 32.7 % 8.9

Gross premiums written by the mortgage segment in the 2026 third quarter were 4.2% lower than in the 2025 third quarter, with lower U.S. primary mortgage insurance monthly premiums and U.S. credit risk transfer premiums partially offset by growth in international business. Net premiums written were 4.0% lower than in the 2025 third quarter, primarily reflecting lower U.S. credit risk transfer premiums.

Estimated net favorable development of prior year loss reserves, before related adjustments, decreased the loss ratio by 15.4 points, compared to 18.1 points in the 2025 third quarter. Such amounts were primarily related to better than expected cure rates. The 2026 third quarter loss ratio, excluding net favorable development, reflected a modestly higher level of delinquencies compared to the 2025 third quarter.

The underwriting expense ratio was 18.6% in the 2026 third quarter, compared to 14.0% in the 2025 third quarter. The increase was primarily due to lower ceding and profit commissions. The 2026 third quarter ratio also reflected the impact of a lower level of net premiums earned.

Corporate

The Company’s results include net investment income, net realized gains or losses (which include, but are not limited to, realized and unrealized changes in the fair value of equity securities and assets accounted for using the fair value option, realized and unrealized gains and losses on derivative instruments, changes in the allowance for credit losses on financial assets and gains and losses realized from the acquisition or disposition of subsidiaries), equity in net income or loss of investments accounted for using the equity method, other income (loss), corporate benefit (expenses), transaction costs and other, amortization of intangible assets, interest expense, net foreign exchange gains or losses, income tax items, income or loss from operating affiliates and items related to the Company’s non-cumulative preferred shares.

Investment returns were as follows:

(U.S. Dollars in millions, except per share data) Three Months Ended

September 30, June 30, September 30,

2026 2026 2025

Pre-tax net investment income $ 451 $ 417 $ 408

Per share $ 1.32 $ 1.20 $ 1.08

Equity in net income of investments accounted for using the equity method $ 224 $ 196 $ 134

Per share $ 0.66 $ 0.56 $ 0.36

Pre-tax investment income yield, at amortized cost (1) 4.09 % 3.91 % 4.07 %

Total return on investments (2) (0.42) % 1.62 % 1.80 %

(1) Presented on an annualized basis and excluding the impact of investments for which returns are not included within investment income, such as investments accounted for using the equity method and certain equities.

(2) See ‘Comments on Non-GAAP Financial Measures’ for further details.

Net investment income for the 2026 third quarter was $451 million, compared to $408 million in the 2025 third quarter, with the increase reflecting growth in average investable assets. Net realized losses were $99 million for the 2026 third quarter, compared to net realized gains of $210 million in the 2025 third quarter. The negative total return on investments for the 2026 third quarter primarily reflected the impact of rising interest rates on fixed income securities.

Corporate expenses for the 2026 third quarter were $5 million, compared to $28 million for the 2025 third quarter. Such expenses primarily represent certain holding company costs necessary to support our worldwide operations and costs associated with operating as a publicly traded company. The decline in the 2026 third quarter primarily reflected the benefit of QRTCs.

Amortization of intangible assets was $30 million for the 2026 third quarter, compared to $49 million for the 2025 third quarter. The decrease primarily related to lower amortization of intangible assets related to the MCE Acquisition.

Interest expense for the 2026 third quarter was $62 million, compared to $37 million for the 2025 third quarter. The increase primarily resulted from the Company’s June 2026 capital raising activity.

On a pre-tax basis, net foreign exchange gains were $18 million for the 2026 third quarter, compared to net foreign exchange losses of $7 million for the 2025 third quarter. For both periods, such amounts were primarily unrealized and resulted from the effects of revaluing the Company’s net insurance liabilities required to be settled in foreign currencies at each balance sheet date. Changes in the value of available-for-sale investments held in foreign currencies due to foreign currency rate movements are reflected as a direct increase or decrease to shareholders’ equity and are not included in the consolidated statements of income.

The Company’s effective tax rate on income before income taxes (based on the Company’s annual effective tax rate) was 15.1% for the 2026 third quarter, compared to 13.7% for the 2025 third quarter. The Company’s effective tax rate on pre-tax operating income available to Arch common shareholders was 15.8% for the 2026 third quarter consistent with 15.8% for the 2025 third quarter. The effective tax rate may fluctuate from period to period based upon the relative mix of income or loss reported by jurisdiction, the level of catastrophic loss activity incurred, and the varying tax rates in each jurisdiction.

Income from operating affiliates for the 2026 third quarter was $33 million, or $0.10 per share, compared to $62 million, or $0.16 per share, for the 2025 third quarter, and primarily reflects amounts related to the Company’s investment in Somers Group Holdings Ltd. and Coface SA.

Conference Call

The Company will hold a conference call for investors and analysts at 10:00 a.m. Eastern Time on October 28, 2026. A live webcast of this call will be available via the Investors section of the Company’s website at http://www.archgroup.com/investors. A recording of the webcast will be available in the Investors section of the Company’s website approximately two hours after the event concludes. A transcript of the webcast will also be available in the Investors section of the Company’s website approximately 24 hours after the posting of the recording. Both the recording and the transcript will be archived on the site for one year.

Please refer to the Company’s Financial Supplement dated September 30, 2026, which is available via the Investors section of the Company’s website at http://www.archgroup.com/investors. The Financial Supplement provides additional detail regarding the financial performance of the Company. From time to time, the Company posts additional financial information and presentations to its website, including information with respect to its subsidiaries. Investors and other recipients of this information are encouraged to check the Company’s website regularly for additional information regarding the Company.

Arch Capital Group Ltd., is a publicly listed Bermuda exempted company with approximately $27.3 billion in capital at September 30, 2026. Arch, which is part of the S&P 500 index, provides insurance, reinsurance and mortgage insurance on a worldwide basis through its wholly owned subsidiaries.

Comments on Non-GAAP Financial Measures

Throughout this release, the Company presents its operations in the way it believes will be the most meaningful and useful to investors, analysts, rating agencies and others who use the Company’s financial information in evaluating the performance of the Company and that investors and such other persons benefit from having a consistent basis for comparison between quarters and for comparison with other companies within the industry. These measures may not, however, be comparable to similarly titled measures used by companies outside of the insurance industry. Investors are cautioned not to place undue reliance on these non-GAAP financial measures in assessing the Company’s overall financial performance.

This presentation includes the use of “after-tax operating income or loss available to Arch common shareholders,” which is defined as net income available to Arch common shareholders, excluding net realized gains or losses (which include, but are not limited to, realized and unrealized changes in the fair value of equity securities and assets accounted for using the fair value option, realized and unrealized gains and losses on derivative instruments, changes in the allowance for credit losses on financial assets and gains and losses realized from the acquisition or disposition of subsidiaries), equity in net income or loss of investments accounted for using the equity method, net foreign exchange gains or losses, transaction costs and other, net of income taxes and the use of annualized operating return on average common equity. The presentation of after-tax operating income available to Arch common shareholders and annualized operating return on average common equity are non-GAAP financial measures as defined in Regulation G. The reconciliation of such measures to net income available to Arch common shareholders and annualized net income return on average common equity (the most directly comparable GAAP financial measures) in accordance with Regulation G is included on page 2 of this release.

The Company believes that net realized gains or losses, equity in net income or loss of investments accounted for using the equity method, net foreign exchange gains or losses and transaction costs and other, in any particular period are not indicative of the performance of, or trends in, the Company’s business performance. Although net realized gains or losses, equity in net income or loss of investments accounted for using the equity method and net foreign exchange gains or losses are an integral part of the Company’s operations, the decision to realize these items are independent of the insurance underwriting process and result, in large part, from general economic and financial market conditions. Furthermore, certain users of the Company’s financial information believe that, for many companies, the timing of the realization of investment gains or losses is largely opportunistic. In addition, changes in the allowance for credit losses and net impairment losses recognized in earnings on the Company’s investments represent other-than-temporary declines in expected recovery values on securities without actual realization.

The use of the equity method on certain of the Company’s investments in certain funds that invest in fixed maturity securities is driven by the ownership structure of such funds (either limited partnerships or limited liability companies). In applying the equity method, these investments are initially recorded at cost and are subsequently adjusted based on the Company’s proportionate share of the net income or loss of the funds (which include changes in the fair value of the underlying securities in the funds). This method of accounting is different from the way the Company accounts for its other fixed maturity securities and the timing of the recognition of equity in net income or loss of investments accounted for using the equity method may differ from gains or losses in the future upon sale or maturity of such investments.

Transaction costs and other include integration, advisory, financing, legal, severance, incentive compensation and all other costs directly related to acquisitions. The Company believes that transaction costs and other, due to their non-recurring nature, are not indicative of the performance of, or trends in, the Company’s business performance.

The Company believes that showing net income available to Arch common shareholders exclusive of the items referred to above reflects the underlying fundamentals of the Company’s business since the Company evaluates the performance of and manages its business to produce an underwriting profit. In addition to presenting net income available to Arch common shareholders, the Company believes that this presentation enables investors and other users of the Company’s financial information to analyze the Company’s performance in a manner similar to how the Company’s management analyzes performance. The Company also believes that this measure follows industry practice and, therefore, allows the users of the Company’s financial information to compare the Company’s performance with its industry peer group. The Company believes that the equity analysts and certain rating agencies that follow the Company and the insurance industry as a whole generally exclude these items from their analyses for the same reasons.

The Company’s segment information includes the presentation of consolidated underwriting income or loss and a subtotal of underwriting income or loss. Such measures represent the pre-tax profitability of its underwriting operations and include net premiums earned plus other underwriting income, less losses and loss adjustment expenses, acquisition expenses and other operating expenses. Other operating expenses include those operating expenses that are incremental and/or directly attributable to the Company’s individual underwriting operations. Underwriting income or loss does not include certain income and expense items which are included in corporate. While these measures are presented in the Segment Information footnote to the Company’s Consolidated Financial Statements, they are considered non-GAAP financial measures when presented elsewhere on a consolidated basis. The reconciliations of underwriting income or loss to income before income taxes (the most directly comparable GAAP financial measure) on a consolidated basis, in accordance with Regulation G, is shown on the following pages.

Management measures segment performance for its three underwriting segments based on underwriting income or loss. The Company does not manage its assets by underwriting segment and, accordingly, investment income, income from operating affiliates and other items are not allocated to each underwriting segment.

In addition, the Company’s segment information includes the use of a combined ratio excluding catastrophic activity and prior year development, for the insurance and reinsurance segments, and a combined ratio excluding prior year development, for the mortgage segment. These ratios are non-GAAP financial measures as defined in Regulation G. The reconciliation of such measures to the combined ratio (the most directly comparable GAAP financial measure) in accordance with Regulation G are shown on the individual segment pages. The Company’s management utilizes the adjusted combined ratios excluding current accident year catastrophic events and favorable or adverse development in prior year loss reserves in its analysis of the underwriting performance of each of its underwriting segments. The ‘Other operating expense ratio’ includes ‘Other underwriting income.’

Total return on investments includes investment income, equity in net income or loss of investments accounted for using the equity method, net realized gains and losses (excluding changes in the allowance for credit losses on non-investment related financial assets) and the change in unrealized gains and losses generated by Arch’s investment portfolio. Total return is calculated on a pre-tax basis and before investment expenses and reflects the effect of financial market conditions along with foreign currency fluctuations. Management uses total return on investments as a key measure of the return generated to Arch common shareholders, and compares the return generated by the Company’s investment portfolio against benchmark returns during the periods presented.

The following tables summarize the Company’s results by segment for the 2026 third quarter and 2025 third quarter and a reconciliation of underwriting income or loss to income or loss before income taxes and net income or loss available to Arch common shareholders:

(U.S. Dollars in millions) Three Months Ended

September 30, 2026

Insurance Reinsurance Mortgage Total

Gross premiums written (1) $ 2,766 $ 2,313 $ 316 $ 5,391

Premiums ceded (1) (760) (737) (53) (1,546)

Net premiums written 2,006 1,576 263 3,845

Change in unearned premiums (69) 231 7 169

Net premiums earned 1,937 1,807 270 4,014

Other underwriting income (2) 15 43 3 61

Losses and loss adjustment expenses (1,178) (1,010) (18) (2,206)

Acquisition expenses (371) (334) (7) (712)

Other operating expenses (295) (113) (47) (455)

Underwriting income (loss) $ 108 $ 393 $ 201 702

Net investment income 451

Net realized gains (losses) (99)

Equity in net income of investments accounted for using the equity method 224

Other income (loss) 4

Corporate benefit (expenses) (3) (5)

Transaction costs and other (3) (17)

Amortization of intangible assets (30)

Interest expense (62)

Net foreign exchange gains (losses) 18

Income (loss) before income taxes and income (loss) from operating affiliates 1,186

Income tax benefit (expense) (184)

Income (loss) from operating affiliates 33

Net income (loss) available to Arch 1,035

Preferred dividends (10)

Net income (loss) available to Arch common shareholders $ 1,025

Underwriting Ratios

Loss ratio 60.8 % 55.9 % 6.9 % 55.0 %

Acquisition expense ratio 19.2 % 18.5 % 2.4 % 17.7 %

Other operating expense ratio (4) 14.4 % 3.9 % 16.2 % 9.8 %

Combined ratio 94.4 % 78.3 % 25.5 % 82.5 %

Net premiums written to gross premiums written 72.5 % 68.1 % 83.2 % 71.3 %

(1) Certain assumed and ceded amounts related to intersegment transactions are included in individual segment results. Accordingly, the sum of such transactions for each segment does not agree to the total due to eliminations.

(2) ‘Other underwriting income’ includes revenue earned from underwriting-related activities covered under existing service contracts.

(3) Certain expenses have been excluded from ‘Corporate benefit (expenses)’ and reflected in ‘Transaction costs and other.’ See ‘Comments on Non-GAAP Financial Measures’ for a further discussion of such items.

(4) The ‘Other operating expense ratio’ includes ‘Other underwriting income.’

(U.S. Dollars in millions) Three Months Ended

September 30, 2025

Insurance Reinsurance Mortgage Total

Gross premiums written (1) $ 2,567 $ 2,515 $ 330 $ 5,410

Premiums ceded (1) (614) (778) (56) (1,446)

Net premiums written 1,953 1,737 274 3,964

Change in unearned premiums 16 278 27 321

Net premiums earned 1,969 2,015 301 4,285

Other underwriting income (2) 9 38 3 50

Losses and loss adjustment expenses (1,162) (1,040) 2 (2,200)

Acquisition expenses (386) (398) (2) (786)

Other operating expenses (301) (133) (44) (478)

Underwriting income (loss) $ 129 $ 482 $ 260 871

Net investment income 408

Net realized gains (losses) 210

Equity in net income of investments accounted for using the equity method 134

Other income (loss) 22

Corporate benefit (expenses) (3) (28)

Transaction costs and other (3) (21)

Amortization of intangible assets (49)

Interest expense (37)

Net foreign exchange gains (losses) (7)

Income (loss) before income taxes and income (loss) from operating affiliates 1,503

Income tax benefit (expense) (215)

Income (loss) from operating affiliates 62

Net income (loss) available to Arch 1,350

Preferred dividends (10)

Net income (loss) available to Arch common shareholders $ 1,340

Underwriting Ratios

Loss ratio 59.0 % 51.6 % (0.5) % 51.4 %

Acquisition expense ratio 19.6 % 19.8 % 0.7 % 18.4 %

Other operating expense ratio (4) 14.8 % 4.7 % 13.3 % 10.0 %

Combined ratio 93.4 % 76.1 % 13.5 % 79.8 %

Net premiums written to gross premiums written 76.1 % 69.1 % 83.0 % 73.3 %

(2) ‘Other underwriting income’ includes revenue earned from underwriting-related activities covered under existing service contracts.

(4) The ‘Other operating expense ratio’ includes ‘Other underwriting income.’

Cautionary Note Regarding Forward-Looking Statements

The Private Securities Litigation Reform Act of 1995 (“PSLRA”) provides a “safe harbor” for forward-looking statements. This release or any other written or oral statements made by or on behalf of the Company may include forward-looking statements, which reflect the Company’s current views with respect to future events and financial performance. All statements other than statements of historical fact included in or incorporated by reference in this release are forward-looking statements. Forward-looking statements, for purposes of the PSLRA or otherwise, can generally be identified by the use of forward-looking terminology such as “may,” “will,” “expect,” “intend,” “estimate,” “anticipate,” “believe” or “continue” and similar statements of a future or forward-looking nature or their negative or variations or similar terminology.

Forward-looking statements involve the Company’s current assessment of risks and uncertainties. Actual events and results may differ materially from those expressed or implied in these statements. Important factors that could cause actual events or results to differ materially from those indicated in such statements are discussed below and elsewhere in this release and in the Company’s periodic reports filed with the Securities and Exchange Commission (the “SEC”), and include:

•the Company’s ability to successfully implement its business strategy during “soft” as well as “hard” markets;

•acceptance of the Company’s business strategy, security and financial condition by rating agencies and regulators, as well as by brokers and its insureds and reinsureds;

•the Company’s ability to consummate acquisitions and integrate any businesses it has acquired or may acquire into its existing operations;

•the Company’s ability to maintain or improve its ratings, which may be affected by its ability to raise additional equity or debt financings, by ratings agencies’ existing or new policies and practices, as well as other factors described herein;

•general economic and market conditions (including inflation, interest rates, unemployment, housing prices, foreign currency exchange rates, prevailing credit terms, tariffs, geopolitical instability and conflict and the depth and duration of a recession) and conditions specific to the reinsurance and insurance markets in which the Company operates;

•competition, including increased competition, on the basis of pricing, capacity (including alternative sources of capital), coverage terms or other factors;

•developments in the world’s financial and capital markets and the Company’s access to such markets;

•the Company’s ability to successfully enhance, integrate and maintain operating procedures (including information technology) to effectively support its current and new business;

•the loss and addition of key personnel;

•material differences between actual and expected assessments for guaranty funds and mandatory pooling arrangements;

•accuracy of those estimates and judgments utilized in the preparation of the Company’s financial statements, including those related to revenue recognition, insurance and other reserves, reinsurance recoverables, investment valuations, intangible assets, bad debts, income taxes, deferred tax assets, contingencies and litigation, and any determination to use the deposit method of accounting;

•greater than expected loss ratios on business written by the Company and adverse development on claim and/or claim expense liabilities related to business written by its insurance and reinsurance subsidiaries;

•the adequacy of the Company’s loss reserves;

•severity and/or frequency of losses;

•greater frequency or severity of unpredictable natural and man-made catastrophic events;

•claims for natural catastrophic events or severe economic events in the Company’s insurance, reinsurance and mortgage businesses could cause large losses and substantial volatility in the Company’s results of operations;

•availability to the Company of reinsurance to manage our net exposures and the cost of such reinsurance;

•the failure of reinsurers, managing general agents, third party administrators or others to meet their obligations to the Company;

•the timing of loss payments being faster or the receipt of reinsurance recoverables being slower than anticipated by the Company;

•the Company’s investment performance, including legislative or regulatory developments that may adversely affect the fair value of the Company’s investments;

•changes in general economic conditions, resulting in downgrades of U.S. securities or sovereign debt by credit rating agencies, which could affect the Company’s business, financial condition and results of operations;

•an incident, disruption in operations or other cyber event caused by cyber attacks, the use of artificial intelligence technologies or other technology on the Company’s systems or those of the Company’s business partners and service providers, which could negatively impact the Company’s business and/or expose the Company to litigation;

•the effect of climate change on the Company’s business;

•the effect of contagious diseases or a pandemic on the Company’s business;

•acts of terrorism, political unrest and other hostilities or other unforecasted and unpredictable events caused by humans;

•the volatility of the Company’s shareholders’ equity from foreign currency fluctuations, which could increase due to us not matching portions of the Company’s projected liabilities in foreign currencies with investments in the same currencies;

•changes in accounting principles or policies or in the Company’s application of such accounting principles or policies;

•changes in the political environment of certain countries in which the Company operate or underwrite business;

•statutory or regulatory developments, including as to tax matters and insurance and other regulatory matters such as the adoption of legislation that affects Bermuda-headquartered companies and/or Bermuda-based insurers or reinsurers and/or changes in regulations or tax laws applicable to the Company, its subsidiaries, brokers or customers, including the implementation of the Organization for Economic Cooperation and Development (“OECD”) Pillar I and Pillar II initiative and the enactment of the Bermuda corporate income tax; and

•the other matters set forth under Item 1A “Risk Factors”, Item 7 “Management’s Discussion and Analysis of Financial Condition and Results of Operations” and other sections of the Company’s Annual Report on Form 10-K for the year ended December 31, 2025, filed with the SEC on February 26, 2026 and of the Company’s latest Quarterly Reports on Form 10-Q, as well as the other factors set forth in the Company’s other documents on file with the SEC, and management’s response to any of the aforementioned factors.

All subsequent written and oral forward-looking statements attributable to the Company or persons acting on its behalf are expressly qualified in their entirety by these cautionary statements. The foregoing review of important factors should not be construed as exhaustive and should be read in conjunction with other cautionary statements that are included herein or elsewhere. The Company's forward-looking statements speak only as of the date of this press release or as of the date they are made, and the Company undertakes no obligation to publicly update or revise any forward-looking statement, whether as a result of new information, future events or otherwise.

Contacts

Arch Capital Group Ltd. Investor Relations

François Morin: (441) 278-9250 Donald Watson: (914) 872-3616; dwatson@archgroup.com

Source: Arch Capital Group Ltd.

arch-corporate

EX-99.2

Filename: ex-992supplement93026.htm · Sequence: 3

Document

EXHIBIT 99.2

Arch Capital Group Ltd.

Waterloo House, Ground Floor

100 Pitts Bay Road

Pembroke HM 08 Bermuda

Financial Supplement

September 30, 2026

The following financial supplement is provided to assist in your understanding of Arch Capital Group Ltd. (“Arch”) and its subsidiaries (collectively, the “Company”).

This report is for informational purposes only. It should be read in conjunction with documents filed by Arch with the U.S. Securities and Exchange Commission, including the most recent Annual Report on Form 10-K and the Quarterly Reports on Form 10-Q. Please refer to the Company’s website at www.archgroup.com for further information describing Arch.

Arch Capital Group Ltd. Investor Relations

François Morin: (441) 278-9250 Donald Watson: (914) 872-3616; dwatson@archgroup.com

Arch Capital Group Ltd. and Subsidiaries

Table of Contents

Page

I. Financial Highlights

II. Consolidated Financial Statements

a. Consolidated Statements of Income

b. Consolidated Balance Sheets

c. Consolidated Statements of Changes in Shareholders’ Equity

d. Consolidated Statements of Cash Flows

III. Segment Information

a. Overview

b. Consolidated Results

c. Insurance Segment Results

d. Reinsurance Segment Results

e. Mortgage Segment Results

f. Segment Consolidated Results

g. Selected Information on Losses and Loss Adjustment Expenses

IV. Investment Information

a. Investable Asset Summary and Investment Portfolio Metrics

b. Composition of Net Investment Income, Yield and Total Return

c. Composition of Fixed Maturities

d. Credit Quality Distribution and Maturity Profile

e. Analysis of Corporate Exposures

f. Structured Securities

V. Other

a. Comments on Non-GAAP Financial Measures

b. Operating Income Reconciliation and Annualized Operating Return on Average Common Equity

c. Operating Income and Effective Tax Rate Calculations

d. Capital Structure

e. Book Value, Tangible Book Value and Share Repurchase Activity

Arch Capital Group Ltd. and Subsidiaries

Basis of Presentation

All financial information contained herein is unaudited, however, certain information relating to the consolidated balance sheet at December 31, 2025 is derived from or agrees to audited financial information. Unless otherwise noted, all amounts are in millions, except for per share amounts and ratio information. Amounts presented have been rounded for presentation purposes and may not reconcile due to rounding differences.

Cautionary Note Regarding Forward-Looking Statements

The Private Securities Litigation Reform Act of 1995 provides a “safe harbor” for forward-looking statements. This release or any other written or oral statements made by or on behalf of Arch and its subsidiaries may include forward-looking statements, which reflect the Company’s current views with respect to future events and financial performance. All statements other than statements of historical fact included in or incorporated by reference in this release are forward-looking statements.

Forward-looking statements can generally be identified by the use of forward-looking terminology such as “may,” “will,” “expect,” “intend,” “estimate,” “anticipate,” “believe” or “continue” or their negative or variations or similar terminology. Forward-looking statements involve the Company’s current assessment of risks and uncertainties. Actual events and results may differ materially from those expressed or implied in these statements. A non-exclusive list of the important factors that could cause actual results to differ materially from those in such forward-looking statements includes the following: adverse general economic and market conditions; increased competition; pricing and policy term trends; fluctuations in the actions of rating agencies and the Company’s ability to maintain and improve the Company’s ratings; investment performance; the loss and addition of key personnel; the adequacy of the Company’s loss reserves, severity and/or frequency of losses, greater than expected loss ratios and adverse development on claim and/or claim expense liabilities; greater frequency or severity of unpredictable natural and man-made catastrophic events; the impact of acts of terrorism and acts of war; changes in regulations and/or tax laws in the United States or elsewhere; the Company’s ability to successfully integrate, establish and maintain operating procedures as well as integrate the businesses we have acquired or may acquire into the existing operations; changes in accounting principles or policies; material differences between actual and expected assessments for guaranty funds and mandatory pooling arrangements; availability and cost to the Company of reinsurance to manage gross and net exposures; the failure of others to meet their obligations to the Company; an incident, disruption in operations or other cyber event caused by cyber attacks, the use of artificial intelligence technologies or other technology on the Company’s systems or those of the Company’s business partners and service providers, which could negatively impact the Company’s business and/or expose the Company to litigation; and other matters set forth under Item 1A “Risk Factors”, Item 7 “Management’s Discussion and Analysis of Financial Condition and Results of Operations” and other sections of the Company’s Annual Report on Form 10-K for the year ended December 31, 2025, filed with the SEC on February 26, 2026 and of the Company’s latest Quarterly Reports on Form 10-Q, as well as the other factors set forth in the Company’s other documents on file with the SEC, and management’s response to any of the aforementioned factors.

Arch Capital Group Ltd. and Subsidiaries

Financial Highlights

The following table presents financial highlights:

(U.S. Dollars and shares in millions, except per share data) Three Months Ended Nine Months Ended

September 30, September 30,

2026 2025 Change 2026 2025 Change

Underwriting results:

Gross premiums written $ 5,391 $ 5,410 (0.4) % $ 17,942 $ 18,069 (0.7) %

Net premiums written 3,845 3,964 (3.0) % 12,242 12,827 (4.6) %

Net premiums earned 4,014 4,285 (6.3) % 11,985 12,810 (6.4) %

Underwriting income (loss) (1) 702 871 (19.4) % 2,087 2,106 (0.9) %

Loss ratio 55.0 % 51.4 % 3.6 54.2 % 55.4 % (1.2)

Acquisition expense ratio 17.7 % 18.4 % (0.7) 18.0 % 18.5 % (0.5)

Other operating expense ratio (2) 9.8 % 10.0 % (0.2) 10.4 % 9.7 % 0.7

Combined ratio 82.5 % 79.8 % 2.7 82.6 % 83.6 % (1.0)

Pre-tax net investment income $ 451 $ 408 10.5 % $ 1,276 $ 1,191 7.1 %

Per diluted share $ 1.32 $ 1.08 22.2 % $ 3.65 $ 3.14 16.2 %

Net income available to Arch common shareholders $ 1,025 $ 1,340 (23.5) % $ 3,109 $ 3,131 (0.7) %

Per diluted share $ 3.00 $ 3.56 (15.7) % $ 8.89 $ 8.26 7.6 %

After-tax operating income available to Arch common shareholders (1) $ 910 $ 1,042 (12.7) % $ 2,704 $ 2,608 3.7 %

Per diluted share $ 2.67 $ 2.77 (3.6) % $ 7.73 $ 6.88 12.4 %

Comprehensive income (loss) available to Arch $ 372 $ 1,398 (73.4) % $ 2,058 $ 3,881 (47.0) %

Net cash provided by operating activities $ 1,759 $ 2,186 (19.5) % $ 4,269 $ 4,768 (10.5) %

Weighted average common shares and common share equivalents outstanding — diluted 341.4 376.1 (9.2) % 349.7 379.1 (7.8) %

Financial measures:

Change in book value per common share during period (0.2) % 5.3 % (5.5) 4.3 % 17.3 % (13.0)

Annualized net income return on average common equity 18.1 % 23.8 % (5.7) 18.2 % 19.5 % (1.3)

Annualized operating return on average common equity (1) 16.0 % 18.5 % (2.5) 15.8 % 16.2 % (0.4)

Total return on investments (3) (0.42) % 1.80 % -222 bps 1.29 % 7.07 % -578 bps

(1)See ‘Comments on Non-GAAP Financial Measures’ for a further discussion of consolidated underwriting income or loss, after-tax operating income or loss available to Arch common shareholders and annualized operating return on average common equity.

(2)The ‘Other operating expense ratio’ includes ‘Other underwriting income.’

(3)Total return on investments includes investment income, equity in net income of investments accounted for using the equity method, net realized gains and losses and the change in unrealized gains and losses and is calculated on a pre-tax basis and before investment expenses. See ‘Comments on Non-GAAP Financial Measures’ for a further discussion of the presentation of total return on investments.

Arch Capital Group Ltd. and Subsidiaries

Consolidated Statements of Income

(U.S. Dollars and shares in millions, except per share data) Three Months Ended Nine Months Ended

September 30, June 30, March 31, December 31, September 30, September 30, September 30,

2026 2026 2026 2025 2025 2026 2025

Revenues

Net premiums earned $ 4,014 $ 3,985 $ 3,986 $ 4,255 $ 4,285 $ 11,985 $ 12,810

Net investment income 451 417 408 434 408 1,276 1,191

Net realized gains (losses) (99) (17) (87) 22 210 (203) 442

Other underwriting income (1) 61 57 59 52 50 177 165

Equity in net income of investments accounted for using the equity method 224 196 160 155 134 580 349

Other income (loss) 4 30 (5) 16 22 29 38

Total revenues 4,655 4,668 4,521 4,934 5,109 13,844 14,995

Expenses

Losses and loss adjustment expenses (2,206) (2,196) (2,089) (2,280) (2,200) (6,491) (7,090)

Acquisition expenses (712) (718) (730) (779) (786) (2,160) (2,374)

Other operating expenses (455) (471) (498) (421) (478) (1,424) (1,405)

Corporate benefit (expenses) (22) (44) (49) 24 (49) (115) (156)

Amortization of intangible assets (30) (30) (30) (47) (49) (90) (146)

Interest expense (62) (44) (37) (38) (37) (143) (110)

Net foreign exchange gains (losses) 18 10 21 (6) (7) 49 (122)

Total expenses (3,469) (3,493) (3,412) (3,547) (3,606) (10,374) (11,403)

Income (loss) before income taxes and income (loss) from operating affiliates 1,186 1,175 1,109 1,387 1,503 3,470 3,592

Income tax (expense) benefit (184) (164) (98) (210) (215) (446) (550)

Income (loss) from operating affiliates 33 46 36 61 62 115 119

Net income (loss) attributable to Arch 1,035 1,057 1,047 1,238 1,350 3,139 3,161

Preferred dividends (10) (10) (10) (10) (10) (30) (30)

Net income (loss) available to Arch common shareholders $ 1,025 $ 1,047 $ 1,037 $ 1,228 $ 1,340 $ 3,109 $ 3,131

Comprehensive income (loss) available to Arch $ 372 $ 977 $ 709 $ 1,243 $ 1,398 $ 2,058 $ 3,881

Net income (loss) per common share and common share equivalent

Basic $ 3.05 $ 3.05 $ 2.94 $ 3.42 $ 3.63 $ 9.04 $ 8.43

Diluted $ 3.00 $ 3.00 $ 2.88 $ 3.35 $ 3.56 $ 8.89 $ 8.26

Weighted average common shares and common share equivalents outstanding

Basic 335.8 343.2 353.2 359.4 369.0 344.0 371.4

Diluted 341.4 348.8 359.7 366.6 376.1 349.7 379.1

(1) ‘Other underwriting income’ includes revenue earned from underwriting-related activities covered under existing service contracts.

Arch Capital Group Ltd. and Subsidiaries

Consolidated Balance Sheets

(U.S. Dollars and shares in millions, except per share data) September 30, June 30, March 31, December 31, September 30,

2026 2026 2026 2025 2025

Assets

Investments:

Fixed maturities available for sale, at fair value $ 32,119 $ 33,155 $ 32,399 $ 32,426 $ 31,908

Short-term investments available for sale, at fair value 3,253 3,298 2,638 2,625 2,351

Equity securities, at fair value 2,396 2,280 1,766 1,864 1,805

Other investments 3,364 3,381 3,331 3,136 3,027

Investments accounted for using the equity method 7,126 6,852 6,652 6,453 6,232

Total investments 48,258 48,966 46,786 46,504 45,323

Cash 1,152 1,109 914 993 1,063

Accrued investment income 334 325 302 338 307

Investment in operating affiliates 1,338 1,323 1,330 1,313 1,417

Premiums receivable 6,919 7,160 6,526 5,723 6,450

Reinsurance recoverable on unpaid and paid losses and loss adjustment expenses 10,253 9,964 9,732 9,526 9,070

Contractholder receivables 2,357 2,264 2,253 2,270 2,287

Ceded unearned premiums 3,557 3,669 3,183 2,659 3,079

Deferred acquisition costs 1,767 1,794 1,774 1,717 1,786

Receivable for securities sold 123 564 643 180 695

Goodwill and intangible assets 1,133 1,163 1,190 1,222 1,268

Other assets 6,885 6,878 6,813 6,796 6,440

Total assets $ 84,076 $ 85,179 $ 81,446 $ 79,241 $ 79,185

Liabilities

Reserve for losses and loss adjustment expenses $ 35,505 $ 34,775 $ 34,105 $ 33,547 $ 32,822

Unearned premiums 11,208 11,493 10,939 10,100 11,124

Reinsurance balances payable 3,045 3,234 2,737 2,320 2,638

Contractholder payables 2,364 2,270 2,260 2,277 2,293

Collateral held for insured obligations 244 240 260 237 239

Senior notes 4,286 4,286 2,729 2,729 2,728

Payable for securities purchased 325 1,136 798 308 335

Other liabilities 4,107 3,715 3,430 3,517 3,287

Total liabilities 61,084 61,149 57,258 55,035 55,466

Shareholders’ equity

Non-cumulative preferred shares 830 830 830 830 830

Common shares 1 1 1 1 1

Additional paid-in capital 2,906 2,873 2,831 2,735 2,682

Retained earnings 30,154 29,129 28,082 27,045 25,817

Accumulated other comprehensive income (loss), net of deferred income tax (1,076) (413) (333) 5 —

Common shares held in treasury, at cost (9,823) (8,390) (7,223) (6,410) (5,611)

Total shareholders’ equity 22,992 24,030 24,188 24,206 23,719

Total liabilities and shareholders’ equity $ 84,076 $ 85,179 $ 81,446 $ 79,241 $ 79,185

Common shares and common share equivalents outstanding, net of treasury shares 326.4 341.0 352.9 359.0 367.3

Book value per common share (1) $ 67.90 $ 68.04 $ 66.19 $ 65.11 $ 62.32

(1) Excludes the effects of stock options and restricted stock units outstanding.

Arch Capital Group Ltd. and Subsidiaries

Consolidated Statements of Changes in Shareholders’ Equity

(U.S. Dollars in millions) Three Months Ended Nine Months Ended

September 30, June 30, March 31, December 31, September 30, September 30, September 30,

2026 2026 2026 2025 2025 2026 2025

Non-cumulative preferred shares

Balance at beginning and end of period $ 830 $ 830 $ 830 $ 830 $ 830 $ 830 $ 830

Common shares

Balance at beginning and end of period 1 1 1 1 1 1 1

Additional paid-in capital

Balance at beginning of period 2,873 2,831 2,735 2,682 2,660 2,735 2,510

Amortization of share-based compensation 20 15 82 24 25 117 124

All other 13 27 14 29 (3) 54 48

Balance at end of period 2,906 2,873 2,831 2,735 2,682 2,906 2,682

Retained earnings

Balance at beginning of period 29,129 28,082 27,045 25,817 24,477 27,045 22,686

Net income 1,035 1,057 1,047 1,238 1,350 3,139 3,161

Preferred share dividends (10) (10) (10) (10) (10) (30) (30)

Balance at end of period 30,154 29,129 28,082 27,045 25,817 30,154 25,817

Accumulated other comprehensive income (loss), net of deferred income tax

Balance at beginning of period (413) (333) 5 — (48) 5 (720)

Change in unrealized appreciation (decline) in value of available-for-sale investments (657) (71) (338) 12 47 (1,066) 629

Change in foreign currency translation adjustments (6) (9) — (7) 1 (15) 91

Balance at end of period (1,076) (413) (333) 5 — (1,076) —

Common shares held in treasury, at cost

Balance at beginning of period (8,390) (7,223) (6,410) (5,611) (4,879) (6,410) (4,487)

Shares repurchased for treasury (1,433) (1,167) (813) (799) (732) (3,413) (1,124)

Balance at end of period (9,823) (8,390) (7,223) (6,410) (5,611) (9,823) (5,611)

Total shareholders’ equity $ 22,992 $ 24,030 $ 24,188 $ 24,206 $ 23,719 $ 22,992 $ 23,719

Arch Capital Group Ltd. and Subsidiaries

Consolidated Statements of Cash Flows

(U.S. Dollars in millions) Three Months Ended Nine Months Ended

September 30, June 30, March 31, December 31, September 30, September 30, September 30,

2026 2026 2026 2025 2025 2026 2025

Operating Activities

Net income (loss) $ 1,035 $ 1,057 $ 1,047 $ 1,238 $ 1,350 $ 3,139 $ 3,161

Adjustments to reconcile net income to net cash provided by operating activities:

Net realized (gains) losses 115 (134) 91 (7) (202) 72 (433)

Equity in net (income) of investments accounted for using the equity method and other income or loss (184) (126) (137) (194) (158) (447) (265)

Amortization of intangible assets 30 30 30 47 49 90 146

Share-based compensation 20 15 82 24 25 117 124

Changes in:

Reserve for losses and loss adjustment expenses, net 439 499 540 330 634 1,478 2,020

Unearned premiums, net (169) 64 362 (606) (321) 257 17

Premiums receivable 234 (630) (820) 731 601 (1,216) (693)

Deferred acquisition costs 21 4 (48) 53 14 (23) 33

Reinsurance balances payable (187) 496 419 (319) (207) 728 456

Deferred income tax assets, net 104 59 20 19 46 183 155

Other items, net 301 (12) (398) 88 355 (109) 47

Net cash provided by operating activities 1,759 1,322 1,188 1,404 2,186 4,269 4,768

Investing Activities

Purchases of fixed maturity investments (9,119) (9,875) (9,288) (8,293) (10,619) (28,282) (28,187)

Purchases of equity securities (217) (472) (185) (184) (277) (874) (1,264)

Purchases of other investments (424) (453) (499) (493) (513) (1,376) (1,745)

Proceeds from sales of fixed maturity investments 8,212 8,383 7,984 7,055 8,435 24,579 22,258

Proceeds from sales of equity securities 195 253 202 183 281 650 1,324

Proceeds from sales, redemptions and maturities of other investments 272 306 240 759 336 818 1,427

Proceeds from redemptions and maturities of fixed maturity investments 717 1,082 957 693 475 2,756 1,801

Net settlements of derivative instruments (24) (80) (26) 35 35 (130) 275

Net (purchases) sales of short-term investments 48 (644) (11) (272) 478 (607) 530

Purchases of fixed assets (11) (14) (8) (11) (12) (33) (33)

Other — (21) (5) 111 (2) (26) (5)

Net cash provided by (used for) investing activities (351) (1,535) (639) (417) (1,383) (2,525) (3,619)

Financing Activities

Purchases of common shares under share repurchase program (1,433) (1,166) (783) (798) (732) (3,382) (1,091)

Proceeds from common shares issued, net 12 26 (17) 30 1 21 20

Proceeds from borrowings, net (6) 1,977 — — — 1,971 —

Repayments of borrowings — (398) — — — (398) —

Common dividends paid — — (5) — — (5) (7)

Preferred dividends paid (10) (10) (10) (10) (10) (30) (30)

Other (7) — (12) — (2) (19) (4)

Net cash provided by (used for) financing activities (1,444) 429 (827) (778) (743) (1,842) (1,112)

Effects of exchange rate changes on foreign currency cash and restricted cash 7 9 (8) 4 (14) 8 57

Increase (decrease) in cash and restricted cash (29) 225 (286) 213 46 (90) 94

Cash and restricted cash, beginning of period 2,006 1,781 2,067 1,854 1,808 2,067 1,760

Cash and restricted cash, end of period $ 1,977 $ 2,006 $ 1,781 $ 2,067 $ 1,854 $ 1,977 $ 1,854

Income taxes paid (received) $ 112 $ 169 $ 22 $ 143 $ 166 $ 303 $ 315

Interest paid $ — $ 65 $ — $ 63 $ — $ 65 $ 64

Arch Capital Group Ltd. and Subsidiaries

Segment Information — Overview

The Company’s Insurance, Reinsurance and Mortgage segments each have managers who are responsible for the overall profitability of their respective segments and who are directly accountable to the Company’s chief operating decision-makers, the Chief Executive Officer and the Chief Financial Officer and Treasurer. The chief operating decision-makers do not assess performance, measure return on equity or make resource allocation decisions on a line of business basis. Management measures segment performance for its three underwriting segments based on underwriting income or loss. The Company does not manage its assets by underwriting segment and, accordingly, investment income is not allocated to each underwriting segment.

The Company determined its reportable operating segments using the management approach described in accounting guidance regarding disclosures about segments of an enterprise and related information. The accounting policies of the segments are the same as those used for the preparation of the Company’s consolidated financial statements. Intersegment business is allocated to the segment accountable for the underwriting results.

Insurance Segment

The Company’s insurance segment primarily consists of commercial insurance lines of business, with a focus on specialty insurance products. These products are mainly offered in North America, Bermuda, the United Kingdom, continental Europe and Australia. Products offered in North America include: commercial automobile; commercial multi‐peril; other liability—claims made, which includes financial and professional lines; other liability—occurrence, which includes admitted and excess and surplus casualty lines; property and short-tail specialty; workers compensation; and other. Products offered across the Company’s International units include: property and short-tail specialty; and casualty and other.

Reinsurance Segment

The Company’s reinsurance segment offers reinsurance products on a worldwide basis. Lines of business include: casualty; marine and aviation; specialty; property catastrophe; property excluding property catastrophe; and other.

Mortgage Segment

The Company’s mortgage segment consists of U.S. primary mortgage insurance business written predominantly on loans sold to the Federal National Mortgage Association (“Fannie Mae”) and the Federal Home Loan Mortgage Corporation (“Freddie Mac”), each a government sponsored entity (“GSE”) and also through non GSE approved entities (combined “Arch MI U.S.”); reinsurance and underwriting services related to U.S. credit-risk transfer (“CRT”) business which are predominately with the GSEs and other U.S. mortgage reinsurance transactions; and international mortgage insurance and reinsurance business covering loans primarily in Australia and Europe.

The Company’s results also include net investment income, net realized gains or losses (which include, but are not limited to, realized and unrealized changes in the fair value of equity securities and assets accounted for using the fair value option, realized and unrealized gains and losses on derivative instruments, changes in the allowance for credit losses on financial assets and gains and losses realized from acquisition or disposition of subsidiaries), equity in net income or loss of investments accounted for using the equity method, other income (loss), corporate benefit (expenses), transaction costs and other, amortization of intangible assets, interest expense, net foreign exchange gains or losses, income taxes items, income or loss from operating affiliates and items related to the Company’s non-cumulative preferred shares.

Arch Capital Group Ltd. and Subsidiaries

Segment Information

(U.S. Dollars in millions) Three Months Ended

September 30, 2026

Insurance Reinsurance Mortgage Total

Gross premiums written (1) $ 2,766 $ 2,313 $ 316 $ 5,391

Premiums ceded (1) (760) (737) (53) (1,546)

Net premiums written 2,006 1,576 263 3,845

Change in unearned premiums (69) 231 7 169

Net premiums earned 1,937 1,807 270 4,014

Other underwriting income (2) 15 43 3 61

Losses and loss adjustment expenses (1,178) (1,010) (18) (2,206)

Acquisition expenses (371) (334) (7) (712)

Other operating expenses (295) (113) (47) (455)

Underwriting income (loss) $ 108 $ 393 $ 201 702

Net investment income 451

Net realized gains (losses) (99)

Equity in net income of investments accounted for using the equity method 224

Other income (loss) 4

Corporate benefit (expenses) (3) (5)

Transaction costs and other (3) (17)

Amortization of intangible assets (30)

Interest expense (62)

Net foreign exchange gains (losses) 18

Income (loss) before income taxes and income (loss) from operating affiliates 1,186

Income tax (expense) benefit (184)

Income (loss) from operating affiliates 33

Net income (loss) available to Arch 1,035

Preferred dividends (10)

Net income (loss) available to Arch common shareholders $ 1,025

Underwriting Ratios

Loss ratio 60.8 % 55.9 % 6.9 % 55.0 %

Acquisition expense ratio 19.2 % 18.5 % 2.4 % 17.7 %

Other operating expense ratio (4) 14.4 % 3.9 % 16.2 % 9.8 %

Combined ratio 94.4 % 78.3 % 25.5 % 82.5 %

Net premiums written to gross premiums written 72.5 % 68.1 % 83.2 % 71.3 %

Total investable assets $ 49,208

Total assets 84,076

Total liabilities 61,084

(2) ‘Other underwriting income’ includes revenue earned from underwriting-related activities covered under existing service contracts.

(4) The ‘Other operating expense ratio’ includes ‘Other underwriting income.’

Arch Capital Group Ltd. and Subsidiaries

Segment Information

(U.S. Dollars in millions) Three Months Ended

September 30, 2025

Insurance Reinsurance Mortgage Total

Gross premiums written (1) $ 2,567 $ 2,515 $ 330 $ 5,410

Premiums ceded (1) (614) (778) (56) (1,446)

Net premiums written 1,953 1,737 274 3,964

Change in unearned premiums 16 278 27 321

Net premiums earned 1,969 2,015 301 4,285

Other underwriting income (2) 9 38 3 50

Losses and loss adjustment expenses (1,162) (1,040) 2 (2,200)

Acquisition expenses (386) (398) (2) (786)

Other operating expenses (301) (133) (44) (478)

Underwriting income (loss) $ 129 $ 482 $ 260 871

Net investment income 408

Net realized gains (losses) 210

Equity in net income of investments accounted for using the equity method 134

Other income (loss) 22

Corporate benefit (expenses) (3) (28)

Transaction costs and other (3) (21)

Amortization of intangible assets (49)

Interest expense (37)

Net foreign exchange gains (losses) (7)

Income (loss) before income taxes and income (loss) from operating affiliates 1,503

Income tax (expense) benefit (215)

Income (loss) from operating affiliates 62

Net income (loss) available to Arch 1,350

Preferred dividends (10)

Net income (loss) available to Arch common shareholders $ 1,340

Underwriting Ratios

Loss ratio 59.0 % 51.6 % (0.5) % 51.4 %

Acquisition expense ratio 19.6 % 19.8 % 0.7 % 18.4 %

Other operating expense ratio (4) 14.8 % 4.7 % 13.3 % 10.0 %

Combined ratio 93.4 % 76.1 % 13.5 % 79.8 %

Net premiums written to gross premiums written 76.1 % 69.1 % 83.0 % 73.3 %

Total investable assets $ 46,746

Total assets 79,185

Total liabilities 55,466

(2) ‘Other underwriting income’ includes revenue earned from underwriting-related activities covered under existing service contracts.

(4) The ‘Other operating expense ratio’ includes ‘Other underwriting income.’

Arch Capital Group Ltd. and Subsidiaries

Segment Information

(U.S. Dollars in millions) Nine Months Ended

September 30, 2026

Insurance Reinsurance Mortgage Total

Gross premiums written (1) $ 8,066 $ 8,929 $ 956 $ 17,942

Premiums ceded (1) (2,221) (3,333) (155) (5,700)

Net premiums written 5,845 5,596 801 12,242

Change in unearned premiums (157) (138) 38 (257)

Net premiums earned 5,688 5,458 839 11,985

Other underwriting income (2) 41 117 19 177

Losses and loss adjustment expenses (3,489) (2,950) (52) (6,491)

Acquisition expenses (1,121) (1,022) (17) (2,160)

Other operating expenses (918) (359) (147) (1,424)

Underwriting income (loss) $ 201 $ 1,244 $ 642 2,087

Net investment income 1,276

Net realized gains (losses) (203)

Equity in net income of investments accounted for using the equity method 580

Other income (loss) 29

Corporate benefit (expenses) (3) (48)

Transaction costs and other (3) (67)

Amortization of intangible assets (90)

Interest expense (143)

Net foreign exchange gains (losses) 49

Income (loss) before income taxes and income (loss) from operating affiliates 3,470

Income tax (expense) benefit (446)

Income (loss) from operating affiliates 115

Net income (loss) available to Arch 3,139

Preferred dividends (30)

Net income (loss) available to Arch common shareholders $ 3,109

Underwriting Ratios

Loss ratio 61.3 % 54.1 % 6.2 % 54.2 %

Acquisition expense ratio 19.7 % 18.7 % 2.0 % 18.0 %

Other operating expense ratio (4) 15.4 % 4.4 % 15.2 % 10.4 %

Combined ratio 96.4 % 77.2 % 23.4 % 82.6 %

Net premiums written to gross premiums written 72.5 % 62.7 % 83.8 % 68.2 %

(2) ‘Other underwriting income’ includes revenue earned from underwriting-related activities covered under existing service contracts.

(4) The ‘Other operating expense ratio’ includes ‘Other underwriting income.’

Arch Capital Group Ltd. and Subsidiaries

Segment Information

(U.S. Dollars in millions) Nine Months Ended

September 30, 2025

Insurance Reinsurance Mortgage Total

Gross premiums written (1) $ 7,893 $ 9,205 $ 979 $ 18,069

Premiums ceded (1) (1,971) (3,093) (186) (5,242)

Net premiums written 5,922 6,112 793 12,827

Change in unearned premiums (124) 18 89 (17)

Net premiums earned 5,798 6,130 882 12,810

Other underwriting income (2) 25 123 17 165

Losses and loss adjustment expenses (3,568) (3,524) 2 (7,090)

Acquisition expenses (1,116) (1,251) (7) (2,374)

Other operating expenses (883) (378) (144) (1,405)

Underwriting income (loss) $ 256 $ 1,100 $ 750 2,106

Net investment income 1,191

Net realized gains (losses) 442

Equity in net income of investments accounted for using the equity method 349

Other income (loss) 38

Corporate benefit (expenses) (3) (107)

Transaction costs and other (3) (49)

Amortization of intangible assets (146)

Interest expense (110)

Net foreign exchange gains (losses) (122)

Income (loss) before income taxes and income (loss) from operating affiliates 3,592

Income tax (expense) benefit (550)

Income (loss) from operating affiliates 119

Net income (loss) available to Arch 3,161

Preferred dividends (30)

Net income (loss) available to Arch common shareholders $ 3,131

Underwriting Ratios

Loss ratio 61.5 % 57.5 % (0.2) % 55.4 %

Acquisition expense ratio 19.3 % 20.4 % 0.8 % 18.5 %

Other operating expense ratio (4) 14.8 % 4.2 % 14.3 % 9.7 %

Combined ratio 95.6 % 82.1 % 14.9 % 83.6 %

Net premiums written to gross premiums written 75.0 % 66.4 % 81.0 % 71.0 %

(2) ‘Other underwriting income’ includes revenue earned from underwriting-related activities covered under existing service contracts.

(3) Certain expenses have been excluded from ‘corporate benefit (expenses)’ and reflected in ‘Transaction costs and other.’ See ‘Comments on Non-GAAP Financial Measures’ for a further discussion of such items.

(4) The ‘Other operating expense ratio’ includes ‘Other underwriting income.’

Arch Capital Group Ltd. and Subsidiaries

Segment Information — Insurance Segment

(U.S. Dollars in millions) Three Months Ended Nine Months Ended

September 30, June 30, March 31, December 31, September 30, September 30, September 30,

2026 2026 2026 2025 2025 2026 2025

Gross premiums written $ 2,766 $ 2,603 $ 2,697 $ 2,542 $ 2,567 $ 8,066 $ 7,893

Premiums ceded (760) (670) (791) (666) (614) (2,221) (1,971)

Net premiums written 2,006 1,933 1,906 1,876 1,953 5,845 5,922

Change in unearned premiums (69) (53) (35) 97 16 (157) (124)

Net premiums earned 1,937 1,880 1,871 1,973 1,969 5,688 5,798

Other underwriting income (1) 15 15 11 11 9 41 25

Losses and loss adjustment expenses (1,178) (1,185) (1,126) (1,196) (1,162) (3,489) (3,568)

Acquisition expenses (371) (375) (375) (380) (386) (1,121) (1,116)

Other operating expenses (295) (308) (315) (289) (301) (918) (883)

Underwriting income (loss) $ 108 $ 27 $ 66 $ 119 $ 129 $ 201 $ 256

Underwriting Ratios

Loss ratio 60.8 % 63.0 % 60.2 % 60.6 % 59.0 % 61.3 % 61.5 %

Acquisition expense ratio 19.2 % 19.9 % 20.0 % 19.3 % 19.6 % 19.7 % 19.3 %

Other operating expense ratio (2) 14.4 % 15.6 % 16.3 % 14.1 % 14.8 % 15.4 % 14.8 %

Combined ratio 94.4 % 98.5 % 96.5 % 94.0 % 93.4 % 96.4 % 95.6 %

Catastrophic activity and prior year development:

Current accident year catastrophic events, net of reinsurance and reinstatement premiums 5.7 % 8.0 % 4.2 % 3.3 % 2.2 % 6.0 % 4.8 %

Net (favorable) adverse development in prior year loss reserves, net of related adjustments:

Loss ratio impact (0.7) % (1.4) % (0.7) % (0.2) % (0.7) % (1.0) % (0.7) %

Acquisition expense ratio impact 0.2 % 0.3 % 0.3 % 0.1 % 0.6 % 0.3 % 0.5 %

Total impact (0.5) % (1.1) % (0.4) % (0.1) % (0.1) % (0.7) % (0.2) %

Combined ratio excluding catastrophic activity and prior year development (3) 89.2 % 91.6 % 92.7 % 90.8 % 91.3 % 91.1 % 91.0 %

Net premiums written to gross premiums written 72.5 % 74.3 % 70.7 % 73.8 % 76.1 % 72.5 % 75.0 %

(1)‘Other underwriting income’ includes revenue earned from underwriting-related activities covered under existing service contracts.

(2)The ‘Other operating expense ratio’ includes ‘Other underwriting income.’

(3)See ‘Comments on Non-GAAP Financial Measures’ for further discussion.

Arch Capital Group Ltd. and Subsidiaries

Segment Information — Insurance Segment

(U.S. Dollars in millions) Three Months Ended Nine Months Ended

September 30, June 30, March 31, December 31, September 30, September 30, September 30,

2026 2026 2026 2025 2025 2026 2025

Net Premiums Written by Line of Business

North America

Other liability - occurrence $ 363 18.1 % $ 364 18.8 % $ 315 16.5 % $ 309 16.5 % $ 297 15.2 % $ 1,042 17.8 % $ 993 16.8 %

Property and short-tail specialty 303 15.1 % 362 18.7 % 322 16.9 % 273 14.6 % 339 17.4 % 987 16.9 % 1,056 17.8 %

Other liability - claims made 192 9.6 % 212 11.0 % 175 9.2 % 229 12.2 % 209 10.7 % 579 9.9 % 564 9.5 %

Workers compensation 172 8.6 % 121 6.3 % 157 8.2 % 142 7.6 % 151 7.7 % 450 7.7 % 434 7.3 %

Commercial automobile 167 8.3 % 158 8.2 % 149 7.8 % 126 6.7 % 150 7.7 % 474 8.1 % 476 8.0 %

Commercial multi-peril 128 6.4 % 130 6.7 % 173 9.1 % 184 9.8 % 194 9.9 % 431 7.4 % 597 10.1 %

Other 92 4.6 % 87 4.5 % 74 3.9 % 90 4.8 % 86 4.4 % 253 4.3 % 251 4.2 %

Total North America $ 1,417 70.6 % $ 1,434 74.2 % $ 1,365 71.6 % $ 1,353 72.1 % $ 1,426 73.0 % $ 4,216 72.1 % $ 4,371 73.8 %

International

Property and short-tail specialty $ 314 15.7 % $ 280 14.5 % $ 282 14.8 % $ 251 13.4 % $ 284 14.5 % $ 876 15.0 % $ 851 14.4 %

Casualty and other 275 13.7 % 219 11.3 % 259 13.6 % 272 14.5 % 243 12.4 % 753 12.9 % 700 11.8 %

Total International $ 589 29.4 % $ 499 25.8 % $ 541 28.4 % $ 523 27.9 % $ 527 27.0 % $ 1,629 27.9 % $ 1,551 26.2 %

Total $ 2,006 100.0 % $ 1,933 100.0 % $ 1,906 100.0 % $ 1,876 100.0 % $ 1,953 100.0 % $ 5,845 100.0 % $ 5,922 100.0 %

Net Premiums Earned by Line of Business

North America

Other liability - occurrence $ 307 15.8 % $ 289 15.4 % $ 300 16.0 % $ 325 16.5 % $ 329 16.7 % $ 896 15.8 % $ 996 17.2 %

Property and short-tail specialty 333 17.2 % 334 17.8 % 315 16.8 % 338 17.1 % 339 17.2 % 982 17.3 % 1,035 17.9 %

Other liability - claims made 205 10.6 % 199 10.6 % 200 10.7 % 203 10.3 % 205 10.4 % 604 10.6 % 583 10.1 %

Workers compensation 153 7.9 % 135 7.2 % 135 7.2 % 153 7.8 % 160 8.1 % 423 7.4 % 438 7.6 %

Commercial automobile 148 7.6 % 148 7.9 % 146 7.8 % 146 7.4 % 143 7.3 % 442 7.8 % 435 7.5 %

Commercial multi-peril 136 7.0 % 185 9.8 % 195 10.4 % 193 9.8 % 195 9.9 % 516 9.1 % 599 10.3 %

Other 74 3.8 % 76 4.0 % 69 3.7 % 78 4.0 % 70 3.6 % 219 3.9 % 213 3.7 %

Total North America $ 1,356 70.0 % $ 1,366 72.7 % $ 1,360 72.7 % $ 1,436 72.8 % $ 1,441 73.2 % $ 4,082 71.8 % $ 4,299 74.1 %

International

Property and short-tail specialty $ 329 17.0 % $ 277 14.7 % $ 279 14.9 % $ 283 14.3 % $ 292 14.8 % $ 885 15.6 % $ 816 14.1 %

Casualty and other 252 13.0 % 237 12.6 % 232 12.4 % 254 12.9 % 236 12.0 % 721 12.7 % 683 11.8 %

Total International $ 581 30.0 % $ 514 27.3 % $ 511 27.3 % $ 537 27.2 % $ 528 26.8 % $ 1,606 28.2 % $ 1,499 25.9 %

Total $ 1,937 100.0 % $ 1,880 100.0 % $ 1,871 100.0 % $ 1,973 100.0 % $ 1,969 100.0 % $ 5,688 100.0 % $ 5,798 100.0 %

Arch Capital Group Ltd. and Subsidiaries

Segment Information — Reinsurance Segment

(U.S. Dollars in millions) Three Months Ended Nine Months Ended

September 30, June 30, March 31, December 31, September 30, September 30, September 30,

2026 2026 2026 2025 2025 2026 2025

Gross premiums written $ 2,313 $ 3,202 $ 3,414 $ 1,944 $ 2,515 $ 8,929 $ 9,205

Premiums ceded (737) (1,358) (1,238) (438) (778) (3,333) (3,093)

Net premiums written 1,576 1,844 2,176 1,506 1,737 5,596 6,112

Change in unearned premiums 231 (24) (345) 486 278 (138) 18

Net premiums earned 1,807 1,820 1,831 1,992 2,015 5,458 6,130

Other underwriting income (1) 43 37 37 36 38 117 123

Losses and loss adjustment expenses (1,010) (992) (948) (1,086) (1,040) (2,950) (3,524)

Acquisition expenses (334) (341) (347) (393) (398) (1,022) (1,251)

Other operating expenses (113) (114) (132) (91) (133) (359) (378)

Underwriting income (loss) $ 393 $ 410 $ 441 $ 458 $ 482 $ 1,244 $ 1,100

Underwriting Ratios

Loss ratio 55.9 % 54.6 % 51.7 % 54.5 % 51.6 % 54.1 % 57.5 %

Acquisition expense ratio 18.5 % 18.7 % 19.0 % 19.7 % 19.8 % 18.7 % 20.4 %

Other operating expense ratio (2) 3.9 % 4.2 % 5.2 % 2.8 % 4.7 % 4.4 % 4.2 %

Combined ratio 78.3 % 77.5 % 75.9 % 77.0 % 76.1 % 77.2 % 82.1 %

Catastrophic activity and prior year development:

Current accident year catastrophic events, net of reinsurance and reinstatement premiums 6.9 % 2.8 % 5.2 % 5.0 % 1.5 % 4.9 % 8.1 %

Net (favorable) adverse development in prior year loss reserves, net of related adjustments:

Loss ratio impact (7.4) % (5.3) % (8.3) % (3.5) % (2.6) % (7.0) % (4.1) %

Acquisition expense ratio impact 0.4 % 0.1 % 0.9 % 0.6 % 0.4 % 0.5 % 0.8 %

Total impact (7.0) % (5.2) % (7.4) % (2.9) % (2.2) % (6.5) % (3.3) %

Combined ratio excluding catastrophic activity and prior year development (3) 78.4 % 79.9 % 78.1 % 74.9 % 76.8 % 78.8 % 77.3 %

Net premiums written to gross premiums written 68.1 % 57.6 % 63.7 % 77.5 % 69.1 % 62.7 % 66.4 %

(1)‘Other underwriting income’ includes revenue earned from underwriting-related activities covered under existing service contracts.

(2)The ‘Other operating expense ratio’ includes ‘Other underwriting income.’

(3)See ‘Comments on Non-GAAP Financial Measures’ for further discussion.

Arch Capital Group Ltd. and Subsidiaries

Segment Information — Reinsurance Segment

(U.S. Dollars in millions) Three Months Ended Nine Months Ended

September 30, June 30, March 31, December 31, September 30, September 30, September 30,

2026 2026 2026 2025 2025 2026 2025

Net Premiums Written by Line of Business

Specialty $ 527 33.4 % $ 563 30.5 % $ 687 31.6 % $ 587 39.0 % $ 633 36.4 % $ 1,777 31.8 % $ 1,956 32.0 %

Property excluding property catastrophe 477 30.3 % 451 24.5 % 548 25.2 % 475 31.5 % 557 32.1 % 1,476 26.4 % 1,568 25.7 %

Casualty 428 27.2 % 312 16.9 % 478 22.0 % 301 20.0 % 399 23.0 % 1,218 21.8 % 1,206 19.7 %

Marine and aviation 54 3.4 % 58 3.1 % 78 3.6 % 52 3.5 % 60 3.5 % 190 3.4 % 249 4.1 %

Property catastrophe 42 2.7 % 392 21.3 % 307 14.1 % 48 3.2 % 64 3.7 % 741 13.2 % 1,025 16.8 %

Other 48 3.0 % 68 3.7 % 78 3.6 % 43 2.9 % 24 1.4 % 194 3.5 % 108 1.8 %

Total $ 1,576 100.0 % $ 1,844 100.0 % $ 2,176 100.0 % $ 1,506 100.0 % $ 1,737 100.0 % $ 5,596 100.0 % $ 6,112 100.0 %

Net Premiums Earned by Line of Business

Specialty $ 604 33.4 % $ 617 33.9 % $ 586 32.0 % $ 700 35.1 % $ 719 35.7 % $ 1,807 33.1 % $ 2,206 36.0 %

Property excluding property catastrophe 502 27.8 % 489 26.9 % 519 28.3 % 536 26.9 % 581 28.8 % 1,510 27.7 % 1,716 28.0 %

Casualty 401 22.2 % 367 20.2 % 353 19.3 % 392 19.7 % 360 17.9 % 1,121 20.5 % 1,040 17.0 %

Marine and aviation 61 3.4 % 71 3.9 % 70 3.8 % 78 3.9 % 77 3.8 % 202 3.7 % 239 3.9 %

Property catastrophe 191 10.6 % 208 11.4 % 226 12.3 % 246 12.3 % 253 12.6 % 625 11.5 % 819 13.4 %

Other 48 2.7 % 68 3.7 % 77 4.2 % 40 2.0 % 25 1.2 % 193 3.5 % 110 1.8 %

Total $ 1,807 100.0 % $ 1,820 100.0 % $ 1,831 100.0 % $ 1,992 100.0 % $ 2,015 100.0 % $ 5,458 100.0 % $ 6,130 100.0 %

Net Premiums Written by Underwriting Location

Bermuda $ 654 41.5 % $ 997 54.1 % $ 962 44.2 % $ 697 46.3 % $ 761 43.8 % $ 2,613 46.7 % $ 2,975 48.7 %

United States 448 28.4 % 389 21.1 % 512 23.5 % 386 25.6 % 488 28.1 % 1,349 24.1 % 1,412 23.1 %

Europe and other 474 30.1 % 458 24.8 % 702 32.3 % 423 28.1 % 488 28.1 % 1,634 29.2 % 1,725 28.2 %

Total $ 1,576 100.0 % $ 1,844 100.0 % $ 2,176 100.0 % $ 1,506 100.0 % $ 1,737 100.0 % $ 5,596 100.0 % $ 6,112 100.0 %

Arch Capital Group Ltd. and Subsidiaries

Segment Information — Mortgage Segment

(U.S. Dollars in millions) Three Months Ended Nine Months Ended

September 30, June 30, March 31, December 31, September 30, September 30, September 30,

2026 2026 2026 2025 2025 2026 2025

Gross premiums written $ 316 $ 324 $ 316 $ 326 $ 330 $ 956 $ 979

Premiums ceded (53) (52) (50) (59) (56) (155) (186)

Net premiums written 263 272 266 267 274 801 793

Change in unearned premiums 7 13 18 23 27 38 89

Net premiums earned 270 285 284 290 301 839 882

Other underwriting income (1) 3 5 11 5 3 19 17

Losses and loss adjustment expenses (18) (19) (15) 2 2 (52) 2

Acquisition expenses (7) (2) (8) (6) (2) (17) (7)

Other operating expenses (47) (49) (51) (41) (44) (147) (144)

Underwriting income $ 201 $ 220 $ 221 $ 250 $ 260 $ 642 $ 750

Underwriting Ratios

Loss ratio 6.9 % 6.5 % 5.3 % (0.8) % (0.5) % 6.2 % (0.2) %

Acquisition expense ratio 2.4 % 0.9 % 2.9 % 1.9 % 0.7 % 2.0 % 0.8 %

Other operating expense ratio (2) 16.2 % 15.4 % 14.1 % 12.6 % 13.3 % 15.2 % 14.3 %

Combined ratio 25.5 % 22.8 % 22.3 % 13.7 % 13.5 % 23.4 % 14.9 %

Net (favorable) adverse development in prior year loss reserves, net of related adjustments:

Loss ratio impact (15.4) % (15.7) % (19.2) % (19.4) % (18.1) % (16.8) % (20.4) %

Acquisition expense ratio impact (0.7) % (1.3) % (0.7) % (0.9) % (1.1) % (0.9) % (1.3) %

Total impact (16.1) % (17.0) % (19.9) % (20.3) % (19.2) % (17.7) % (21.7) %

Combined ratio excluding prior year development (3) 41.6 % 39.8 % 42.2 % 34.0 % 32.7 % 41.1 % 36.6 %

Net premiums written to gross premiums written 83.2 % 84.0 % 84.2 % 81.9 % 83.0 % 83.8 % 81.0 %

(1)‘Other underwriting income’ includes revenue earned from underwriting-related activities covered under existing service contracts.

(2)The ‘Other operating expense ratio’ includes ‘Other underwriting income.’

(3) See ‘Comments on Non-GAAP Financial Measures’ for further discussion.

Arch Capital Group Ltd. and Subsidiaries

Segment Information — Mortgage Segment

(U.S. Dollars in millions) Three Months Ended Nine Months Ended

September 30, June 30, March 31, December 31, September 30, September 30, September 30,

2026 2026 2026 2025 2025 2026 2025

Net Premiums Written by Underwriting Unit

U.S. primary mortgage insurance $ 197 74.9 % $ 202 74.3 % $ 204 76.7 % $ 195 73.0 % $ 197 71.9 % $ 603 75.3 % $ 584 73.6 %

U.S. credit risk transfer (CRT) and other 35 13.3 % 35 12.9 % 37 13.9 % 51 19.1 % 55 20.1 % 107 13.4 % 156 19.7 %

International mortgage insurance/reinsurance 31 11.8 % 35 12.9 % 25 9.4 % 21 7.9 % 22 8.0 % 91 11.4 % 53 6.7 %

Total $ 263 100.0 % $ 272 100.0 % $ 266 100.0 % $ 267 100.0 % $ 274 100.0 % $ 801 100.0 % $ 793 100.0 %

Net Premiums Earned by Underwriting Unit

U.S. primary mortgage insurance $ 201 74.4 % $ 206 72.3 % $ 209 73.6 % $ 201 69.3 % $ 204 67.8 % $ 616 73.4 % $ 601 68.1 %

U.S. credit risk transfer (CRT) and other 35 13.0 % 35 12.3 % 37 13.0 % 51 17.6 % 55 18.3 % 107 12.8 % 156 17.7 %

International mortgage insurance/reinsurance 34 12.6 % 44 15.4 % 38 13.4 % 38 13.1 % 42 14.0 % 116 13.8 % 125 14.2 %

Total $ 270 100.0 % $ 285 100.0 % $ 284 100.0 % $ 290 100.0 % $ 301 100.0 % $ 839 100.0 % $ 882 100.0 %

Net Premiums Written by Underwriting Location

United States $ 197 74.9 % $ 202 74.3 % $ 204 76.7 % $ 196 73.4 % $ 197 71.9 % $ 603 75.3 % $ 584 73.6 %

Other 66 25.1 % 70 25.7 % 62 23.3 % 71 26.6 % 77 28.1 % 198 24.7 % 209 26.4 %

Total $ 263 100.0 % $ 272 100.0 % $ 266 100.0 % $ 267 100.0 % $ 274 100.0 % $ 801 100.0 % $ 793 100.0 %

(U.S. Dollars in millions)

September 30, 2026 June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025

Insurance In Force (IIF) (1)

U.S. primary mortgage insurance $ 285,488 59.8 % $ 286,399 59.8 % $ 286,523 59.7 % $ 286,318 59.1 % $ 286,785 57.9 %

U.S. credit risk transfer (CRT) and other 125,322 26.3 % 128,228 26.8 % 128,338 26.7 % 132,205 27.3 % 141,889 28.7 %

International mortgage insurance/reinsurance 66,417 13.9 % 64,254 13.4 % 65,223 13.6 % 66,084 13.6 % 66,277 13.4 %

Total $ 477,227 100.0 % $ 478,881 100.0 % $ 480,084 100.0 % $ 484,607 100.0 % $ 494,951 100.0 %

Risk In Force (RIF) (2)

U.S. primary mortgage insurance $ 73,611 83.4 % $ 73,978 84.3 % $ 74,281 84.8 % $ 74,679 85.0 % $ 74,952 84.9 %

U.S. credit risk transfer and other 5,038 5.7 % 5,194 5.9 % 5,214 6.0 % 5,358 6.1 % 5,688 6.4 %

International mortgage insurance/reinsurance 9,648 10.9 % 8,599 9.8 % 8,120 9.3 % 7,864 8.9 % 7,633 8.6 %

Total $ 88,297 100.0 % $ 87,771 100.0 % $ 87,615 100.0 % $ 87,901 100.0 % $ 88,273 100.0 %

(1) The aggregate dollar amount of each insured mortgage loan’s current principal balance. Such amounts are shown before external reinsurance.

(2) The aggregate dollar amount of each insured mortgage loan’s current principal balance multiplied by the insurance coverage percentage specified in the policy for insurance policies issued and after contract limits and/or loss ratio caps for risk-sharing or reinsurance transactions. Such amounts are shown before external reinsurance.

Arch Capital Group Ltd. and Subsidiaries

Segment Information — Mortgage Segment

The following table provides supplemental disclosures for the Company’s U.S. primary mortgage insurance operations:

(U.S. Dollars in millions)

September 30, 2026 June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025

Total RIF by credit quality:

>=740 $ 48,273 65.6 % $ 48,123 65.1 % $ 47,842 64.4 % $ 47,757 63.9 % $ 47,575 63.5 %

680-739 21,911 29.8 % 22,351 30.2 % 22,861 30.8 % 23,271 31.2 % 23,638 31.5 %

620-679 3,139 4.3 % 3,208 4.3 % 3,274 4.4 % 3,340 4.5 % 3,419 4.6 %

<620 288 0.4 % 296 0.4 % 304 0.4 % 311 0.4 % 320 0.4 %

Total $ 73,611 100.0 % $ 73,978 100.0 % $ 74,281 100.0 % $ 74,679 100.0 % $ 74,952 100.0 %

Weighted average credit score 751 751 750 749 749

Total RIF by Loan-To-Value (LTV):

95.01% and above $ 7,474 10.2 % $ 7,417 10.0 % $ 7,436 10.0 % $ 7,314 9.8 % $ 7,362 9.8 %

90.01% to 95.00% 43,916 59.7 % 43,944 59.4 % 44,147 59.4 % 44,494 59.6 % 44,720 59.7 %

85.01% to 90.00% 19,194 26.1 % 19,727 26.7 % 19,951 26.9 % 20,195 27.0 % 20,251 27.0 %

85.00% and below 3,027 4.1 % 2,890 3.9 % 2,747 3.7 % 2,676 3.6 % 2,619 3.5 %

Total $ 73,611 100.0 % $ 73,978 100.0 % $ 74,281 100.0 % $ 74,679 100.0 % $ 74,952 100.0 %

Weighted average LTV 93.2 % 93.2 % 93.2 % 93.2 % 93.2 %

Total RIF by State:

California $ 5,958 8.1 % $ 5,945 8.0 % $ 5,922 8.0 % $ 5,901 7.9 % $ 5,892 7.9 %

Texas 5,382 7.3 % 5,385 7.3 % 5,376 7.2 % 5,382 7.2 % 5,393 7.2 %

North Carolina 3,241 4.4 % 3,266 4.4 % 3,285 4.4 % 3,343 4.5 % 3,358 4.5 %

Illinois 3,090 4.2 % 3,067 4.1 % 3,037 4.1 % 3,042 4.1 % 3,046 4.1 %

Minnesota 3,080 4.2 % 3,099 4.2 % 3,100 4.2 % 3,129 4.2 % 3,137 4.2 %

Georgia 2,865 3.9 % 2,927 4.0 % 2,966 4.0 % 3,005 4.0 % 3,043 4.1 %

Michigan 2,764 3.8 % 2,766 3.7 % 2,785 3.7 % 2,816 3.8 % 2,822 3.8 %

Florida 2,707 3.7 % 2,678 3.6 % 2,659 3.6 % 2,672 3.6 % 2,690 3.6 %

Ohio 2,655 3.6 % 2,648 3.6 % 2,670 3.6 % 2,666 3.6 % 2,697 3.6 %

Massachusetts 2,579 3.5 % 2,635 3.6 % 2,704 3.6 % 2,780 3.7 % 2,829 3.8 %

Other 39,290 53.4 % 39,562 53.5 % 39,777 53.5 % 39,943 53.5 % 40,045 53.4 %

Total $ 73,611 100.0 % $ 73,978 100.0 % $ 74,281 100.0 % $ 74,679 100.0 % $ 74,952 100.0 %

Weighted average coverage (end of period RIF divided by IIF) 25.8 % 25.8 % 25.9 % 26.1 % 26.1 %

U.S. mortgage insurance total RIF, net of reinsurance (1) $ 61,548 $ 61,982 $ 62,366 $ 60,259 $ 60,662

Analysts’ persistency (2) 79.2 % 79.9 % 80.7 % 81.8 % 82.3 %

Risk-to-capital ratio — Arch MI U.S. (3) 8.4:1 8.8:1 8.4:1 8.2:1 7.9:1

PMIER sufficiency ratio — Arch MI U.S. (4) 169 % 165 % 175 % 179 % 176 %

(1) Total RIF for the U.S. mortgage insurance operations after external reinsurance.

(2) Represents the % of IIF at the beginning of a 12 month period that remained in force at the end of the period.

(3) Represents current (non-delinquent) RIF, net of reinsurance, divided by statutory capital (estimate for September 30, 2026).

(4) On August 21, 2024, Fannie Mae and Freddie Mac (collectively the GSEs) each updated their Private Mortgage Insurer Eligibility Requirements (PMIERs) to incorporate new deductions to available assets for investment risk. This update became effective on March 31, 2025 and the impact was phased in as of September 30, 2026.

Arch Capital Group Ltd. and Subsidiaries

Segment Information — Mortgage Segment

The following table provides supplemental disclosures for the Company’s U.S. primary mortgage insurance operations:

(U.S. Dollars in millions, except policy/loan/claim count) Three Months Ended

September 30, 2026 June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025

Total new insurance written (NIW) (1) $ 13,593 $ 15,624 $ 14,812 $ 14,296 $ 12,965

Total NIW by credit quality:

>=740 $ 10,992 80.9 % $ 12,637 80.9 % $ 11,720 79.1 % $ 11,239 78.6 % $ 9,850 76.0 %

680-739 2,294 16.9 % 2,619 16.8 % 2,698 18.2 % 2,759 19.3 % 2,753 21.2 %

620-679 299 2.2 % 357 2.3 % 371 2.5 % 293 2.0 % 359 2.8 %

<620 8 0.1 % 11 0.1 % 23 0.2 % 5 0.0 % 3 0.0 %

Total $ 13,593 100.0 % $ 15,624 100.0 % $ 14,812 100.0 % $ 14,296 100.0 % $ 12,965 100.0 %

Total NIW by LTV:

95.01% and above $ 1,012 7.4 % $ 1,108 7.1 % $ 2,064 13.9 % $ 779 5.4 % $ 1,038 8.0 %

90.01% to 95.00% 5,937 43.7 % 6,560 42.0 % 5,804 39.2 % 5,894 41.2 % 5,668 43.7 %

85.01% to 90.00% 4,414 32.5 % 5,359 34.3 % 4,690 31.7 % 5,337 37.3 % 4,323 33.3 %

85.00% and below 2,230 16.4 % 2,597 16.6 % 2,254 15.2 % 2,286 16.0 % 1,936 14.9 %

Total $ 13,593 100.0 % $ 15,624 100.0 % $ 14,812 100.0 % $ 14,296 100.0 % $ 12,965 100.0 %

Total NIW monthly vs. single:

Monthly $ 12,894 94.9 % $ 14,941 95.6 % $ 14,273 96.4 % $ 13,653 95.5 % $ 12,267 94.6 %

Single 699 5.1 % 683 4.4 % 539 3.6 % 643 4.5 % 698 5.4 %

Total $ 13,593 100.0 % $ 15,624 100.0 % $ 14,812 100.0 % $ 14,296 100.0 % $ 12,965 100.0 %

Total NIW purchase vs. refinance:

Purchase $ 12,883 94.8 % $ 13,854 88.7 % $ 11,754 79.4 % $ 11,640 81.4 % $ 12,319 95.0 %

Refinance 710 5.2 % 1,770 11.3 % 3,058 20.6 % 2,656 18.6 % 646 5.0 %

Total $ 13,593 100.0 % $ 15,624 100.0 % $ 14,812 100.0 % $ 14,296 100.0 % $ 12,965 100.0 %

Ending number of policies in force (PIF) (2) 1,026,816 1,039,751 1,049,661 1,058,907 1,067,147

Rollforward of insured loans in default:

Beginning delinquent number of loans 21,519 21,606 22,985 21,821 20,762

Plus: new notices 12,526 11,122 11,938 12,825 12,168

Less: cures (10,988) (10,824) (12,969) (11,337) (10,715)

Less: paid claims (449) (385) (348) (324) (394)

Ending delinquent number of loans (2) 22,608 21,519 21,606 22,985 21,821

Ending percentage of loans in default (2) 2.20 % 2.07 % 2.06 % 2.17 % 2.04 %

Losses:

Number of claims paid 449 385 348 324 394

Total paid claims (in thousands) $ 18,763 $ 19,091 $ 15,557 $ 15,917 $ 12,934

Average paid per claim (in thousands) $ 41.8 $ 49.6 $ 44.7 $ 49.1 $ 32.8

Severity (3) 80.0 % 78.8 % 77.9 % 81.6 % 73.2 %

Average case reserve per default (in thousands) $ 16.4 $ 16.9 $ 16.6 $ 15.3 $ 16.1

(1) The original principal balance of all loans that received coverage during the period.

(2) Includes first lien primary and pool policies.

(3) Represents total direct first lien paid claims divided by RIF of loans for which claims were paid, excluding paid claim settlements.

Arch Capital Group Ltd. and Subsidiaries

Segment Information — Mortgage Segment

The following table provides supplemental disclosures for the Company’s U.S. primary mortgage insurance operations:

(U.S. Dollars in millions)

September 30, 2026 December 31, 2025

Loss Reserves, Net (1) Primary IIF (2) Primary RIF (3) Delinquency Rate Loss Reserves, Net (1) Primary IIF (2) Primary RIF (3) Delinquency Rate

% of Total Total % of Total Total % of Total % of Total Total % of Total Total % of Total

Policy year:

2016 and prior 18.2 % $ 17,686 6.2 % $ 4,502 6.1 % 4.75 % 24.9 % $ 19,384 6.8 % $ 4,923 6.6 % 5.08 %

2017 3.1 % 2,664 0.9 % 677 0.9 % 5.27 % 3.9 % 4,250 1.5 % 1,127 1.5 % 3.87 %

2018 5.4 % 4,671 1.6 % 1,217 1.7 % 4.93 % 6.1 % 5,673 2.0 % 1,479 2.0 % 4.48 %

2019 6.0 % 8,262 2.9 % 2,182 3.0 % 3.33 % 7.3 % 10,553 3.7 % 2,770 3.7 % 3.08 %

2020 11.3 % 23,303 8.2 % 6,483 8.8 % 2.20 % 12.3 % 30,968 10.8 % 8,487 11.4 % 1.85 %

2021 16.9 % 42,375 14.8 % 11,737 15.9 % 2.07 % 17.4 % 50,141 17.5 % 13,767 18.4 % 1.88 %

2022 17.6 % 43,666 15.3 % 11,834 16.1 % 2.15 % 14.5 % 49,492 17.3 % 13,236 17.7 % 1.87 %

2023 11.0 % 26,464 9.3 % 6,841 9.3 % 2.41 % 7.9 % 31,049 10.8 % 8,006 10.7 % 1.93 %

2024 7.5 % 33,873 11.9 % 8,511 11.6 % 1.73 % 5.0 % 39,306 13.7 % 9,840 13.2 % 1.17 %

2025 2.6 % 40,587 14.2 % 9,856 13.4 % 0.62 % 0.7 % 45,502 15.9 % 11,044 14.8 % 0.20 %

2026 0.4 % 41,937 14.7 % 9,771 13.3 % 0.11 %

Total 100.0 % $ 285,488 100.0 % $ 73,611 100.0 % 2.20 % 100.0 % $ 286,318 100.0 % $ 74,679 100.0 % 2.17 %

(1) Total reserves for losses and loss adjustment expenses, net of recoverables, was $346.3 million at September 30, 2026, compared to $320.6 million at December 31, 2025.

(2) The aggregate dollar amount of each insured mortgage loan’s current principal balance.

(3) The aggregate dollar amount of each insured mortgage loan’s current principal balance multiplied by the insurance coverage percentage specified in the policy for insurance policies issued and after contract limits and/or loss ratio caps for risk-sharing transactions.

Arch Capital Group Ltd. and Subsidiaries

Segment Information — Consolidated

(U.S. Dollars in millions) Three Months Ended Nine Months Ended

September 30, June 30, March 31, December 31, September 30, September 30, September 30,

2026 2026 2026 2025 2025 2026 2025

Gross premiums written $ 5,391 $ 6,126 $ 6,425 $ 4,809 $ 5,410 $ 17,942 $ 18,069

Premiums ceded (1,546) (2,077) (2,077) (1,160) (1,446) (5,700) (5,242)

Net premiums written 3,845 4,049 4,348 3,649 3,964 12,242 12,827

Change in unearned premiums 169 (64) (362) 606 321 (257) (17)

Net premiums earned 4,014 3,985 3,986 4,255 4,285 11,985 12,810

Other underwriting income (1) 61 57 59 52 50 177 165

Losses and loss adjustment expenses (2,206) (2,196) (2,089) (2,280) (2,200) (6,491) (7,090)

Acquisition expenses (712) (718) (730) (779) (786) (2,160) (2,374)

Other operating expenses (455) (471) (498) (421) (478) (1,424) (1,405)

Underwriting income (loss) (2) $ 702 $ 657 $ 728 $ 827 $ 871 $ 2,087 $ 2,106

Underwriting Ratios

Loss ratio 55.0 % 55.1 % 52.4 % 53.6 % 51.4 % 54.2 % 55.4 %

Acquisition expense ratio 17.7 % 18.0 % 18.3 % 18.3 % 18.4 % 18.0 % 18.5 %

Other operating expense ratio (3) 9.8 % 10.4 % 11.0 % 8.7 % 10.0 % 10.4 % 9.7 %

Combined ratio 82.5 % 83.5 % 81.7 % 80.6 % 79.8 % 82.6 % 83.6 %

Catastrophic activity and prior year development:

Current accident year catastrophic events, net of reinsurance and reinstatement premiums 5.8 % 5.1 % 4.4 % 3.9 % 1.7 % 5.1 % 6.0 %

Net (favorable) adverse development in prior year loss reserves, net of related adjustments:

Loss ratio impact (4.7) % (4.2) % (5.5) % (3.0) % (2.8) % (4.8) % (3.7) %

Acquisition expense ratio impact 0.2 % 0.1 % 0.5 % 0.2 % 0.4 % 0.3 % 0.5 %

Total impact (4.5) % (4.1) % (5.0) % (2.8) % (2.4) % (4.5) % (3.2) %

Combined ratio excluding catastrophic activity and prior year development (2) 81.2 % 82.5 % 82.3 % 79.5 % 80.5 % 82.0 % 80.8 %

Components of losses and loss adjustment expenses incurred

Paid losses and loss adjustment expenses $ 1,765 $ 1,697 $ 1,549 $ 1,951 $ 1,569 $ 5,011 $ 5,074

Change in unpaid losses and loss adjustment expenses 441 499 540 329 631 1,480 2,016

Total losses and loss adjustment expenses $ 2,206 $ 2,196 $ 2,089 $ 2,280 $ 2,200 $ 6,491 $ 7,090

Net premiums written to gross premiums written 71.3 % 66.1 % 67.7 % 75.9 % 73.3 % 68.2 % 71.0 %

(1)‘Other underwriting income’ includes revenue earned from underwriting-related activities covered under existing service contracts.

(2)See ‘Comments on Non-GAAP Financial Measures’ for further discussion.

(3)The ‘Other operating expense ratio’ includes ‘Other underwriting income.’

Arch Capital Group Ltd. and Subsidiaries

Segment Information — Selected Information on Losses and Loss Adjustment Expenses

(U.S. Dollars in millions) Three Months Ended Nine Months Ended

September 30, June 30, March 31, December 31, September 30, September 30, September 30,

2026 2026 2026 2025 2025 2026 2025

Estimated net (favorable) adverse development in prior year loss reserves, net of related adjustments

Net impact on underwriting results:

Insurance $ (9) $ (21) $ (8) $ (1) $ (2) $ (38) $ (14)

Reinsurance (126) (95) (136) (58) (44) (357) (205)

Mortgage (44) (49) (56) (59) (57) (149) (190)

Total $ (179) $ (165) $ (200) $ (118) $ (103) $ (544) $ (409)

Impact on losses and loss adjustment expenses:

Insurance $ (14) $ (27) $ (14) $ (4) $ (14) $ (55) $ (39)

Reinsurance (133) (97) (152) (69) (53) (382) (253)

Mortgage (42) (45) (54) (56) (54) (141) (179)

Total $ (189) $ (169) $ (220) $ (129) $ (121) $ (578) $ (471)

Impact on acquisition expenses:

Insurance $ 5 $ 6 $ 6 $ 3 $ 12 $ 17 $ 25

Reinsurance 7 2 16 11 9 25 48

Mortgage (2) (4) (2) (3) (3) (8) (11)

Total $ 10 $ 4 $ 20 $ 11 $ 18 $ 34 $ 62

Impact on combined ratio:

Insurance (0.5) % (1.1) % (0.4) % (0.1) % (0.1) % (0.7) % (0.2) %

Reinsurance (7.0) % (5.2) % (7.4) % (2.9) % (2.2) % (6.5) % (3.3) %

Mortgage (16.1) % (17.0) % (19.9) % (20.3) % (19.2) % (17.7) % (21.7) %

Total (4.5) % (4.1) % (5.0) % (2.8) % (2.4) % (4.5) % (3.2) %

Impact on loss ratio:

Insurance (0.7) % (1.4) % (0.7) % (0.2) % (0.7) % (1.0) % (0.7) %

Reinsurance (7.4) % (5.3) % (8.3) % (3.5) % (2.6) % (7.0) % (4.1) %

Mortgage (15.4) % (15.7) % (19.2) % (19.4) % (18.1) % (16.8) % (20.4) %

Total (4.7) % (4.2) % (5.5) % (3.0) % (2.8) % (4.8) % (3.7) %

Impact on acquisition expense ratio:

Insurance 0.2 % 0.3 % 0.3 % 0.1 % 0.6 % 0.3 % 0.5 %

Reinsurance 0.4 % 0.1 % 0.9 % 0.6 % 0.4 % 0.5 % 0.8 %

Mortgage (0.7) % (1.3) % (0.7) % (0.9) % (1.1) % (0.9) % (1.3) %

Total 0.2 % 0.1 % 0.5 % 0.2 % 0.4 % 0.3 % 0.5 %

Estimated net losses incurred from current accident year catastrophic events (1)

Insurance $ 110 $ 151 $ 79 $ 64 $ 43 $ 340 $ 278

Reinsurance 124 50 95 100 29 269 495

Total $ 234 $ 201 $ 174 $ 164 $ 72 $ 609 $ 773

Impact on combined ratio:

Insurance 5.7 % 8.0 % 4.2 % 3.3 % 2.2 % 6.0 % 4.8 %

Reinsurance 6.9 % 2.8 % 5.2 % 5.0 % 1.5 % 4.9 % 8.1 %

Total 5.8 % 5.1 % 4.4 % 3.9 % 1.7 % 5.1 % 6.0 %

(1)Equals estimated losses from catastrophic events occurring in the current accident year (e.g. natural catastrophes, man-made events, pandemic events), net of reinsurance and reinstatement premiums. As regards the natural catastrophe estimates included within, amounts shown for the insurance and reinsurance segments generally include (i) North American events with a Property Claim Services ("PCS") code and (ii) named catastrophic events outside of North America. Amounts not applicable for the mortgage segment.

Arch Capital Group Ltd. and Subsidiaries

Investment Information — Investable Asset Summary and Investment Portfolio Metrics

The following table summarizes the Company’s investable assets and portfolio metrics:

(U.S. Dollars in millions) September 30, June 30, March 31, December 31, September 30,

2026 2026 2026 2025 2025

Investable assets:

Fixed maturities available for sale, at fair value $ 32,119 65.3 % $ 33,155 67.0 % $ 32,399 68.1 % $ 32,426 68.5 % $ 31,908 68.3 %

Fixed maturities—fair value option (1) 1,164 2.4 % 1,175 2.4 % 1,129 2.4 % 1,110 2.3 % 1,050 2.2 %

Total fixed maturities 33,283 67.6 % 34,330 69.3 % 33,528 70.5 % 33,536 70.8 % 32,958 70.5 %

Equity securities, at fair value 2,396 4.9 % 2,280 4.6 % 1,766 3.7 % 1,864 3.9 % 1,805 3.9 %

Equity securities—fair value option (1) 4 0.0 % 5 0.0 % 4 0.0 % 5 0.0 % 5 0.0 %

Total equity securities 2,400 4.9 % 2,285 4.6 % 1,770 3.7 % 1,869 3.9 % 1,810 3.9 %

Other investments—fair value option (1) 2,136 4.3 % 2,144 4.3 % 2,129 4.5 % 1,957 4.1 % 1,911 4.1 %

Investments accounted for using the equity method (2) 7,126 14.5 % 6,852 13.8 % 6,652 14.0 % 6,453 13.6 % 6,232 13.3 %

Short-term investments available for sale, at fair value 3,253 6.6 % 3,298 6.7 % 2,638 5.5 % 2,625 5.5 % 2,351 5.0 %

Short-term investments—fair value option (1) 60 0.1 % 57 0.1 % 69 0.1 % 64 0.1 % 61 0.1 %

Total short-term investments 3,313 6.7 % 3,355 6.8 % 2,707 5.7 % 2,689 5.7 % 2,412 5.2 %

Cash 1,152 2.3 % 1,109 2.2 % 914 1.9 % 993 2.1 % 1,063 2.3 %

Securities transactions entered into but not settled at the balance sheet date (202) (0.4) % (572) (1.2) % (155) (0.3) % (128) (0.3) % 360 0.8 %

Total investable assets held by the Company $ 49,208 100.0 % $ 49,503 100.0 % $ 47,545 100.0 % $ 47,369 100.0 % $ 46,746 100.0 %

Average effective duration of fixed maturities (in years) 3.25 3.50 3.43 3.34 3.24

Average S&P/Moody’s credit ratings (3) AA-/Aa3 AA-/Aa3 AA-/Aa3 AA-/Aa3 AA-/Aa3

(1) Included in “other investments” on the balance sheet.

(2) Changes in the carrying value of investments accounted for using the equity method are recorded as “equity in net income of investments accounted for using the equity method” rather than as an unrealized gain or loss component of accumulated other comprehensive income.

(3) Average credit ratings on the Company’s investment portfolio on securities with ratings assigned by Standard & Poor’s (“S&P”) and Moody’s Investors Service (“Moody’s”).

Arch Capital Group Ltd. and Subsidiaries

Investment Information — Composition of Net Investment Income, Yield and Total Return

The following table summarizes the Company’s net investment income, yield and total return:

(U.S. Dollars in millions, except per share data) Three Months Ended Nine Months Ended

September 30, June 30, March 31, December 31, September 30, September 30, September 30,

2026 2026 2026 2025 2025 2026 2025

Composition of pre-tax net investment income:

Fixed maturities $ 409 $ 386 $ 384 $ 384 $ 379 $ 1,179 $ 1,081

Short-term investments 27 26 24 27 25 77 75

Equity securities (dividends) 10 9 8 10 10 27 31

Other (1) 30 21 21 27 19 72 82

Gross investment income 476 442 437 448 433 1,355 1,269

Investment expenses (25) (25) (29) (14) (25) (79) (78)

Pre-tax net investment income $ 451 $ 417 $ 408 $ 434 $ 408 $ 1,276 $ 1,191

Per share $ 1.32 $ 1.20 $ 1.13 $ 1.18 $ 1.08 $ 3.65 $ 3.14

Pre-tax equity in net income of investments accounted for using the equity method 224 196 160 155 134 580 349

Per share $ 0.66 $ 0.56 $ 0.44 $ 0.42 $ 0.36 $ 1.66 $ 0.92

Investment income yield, at amortized cost (2):

Pre-tax 4.09 % 3.91 % 3.99 % 4.22 % 4.07 % 4.00 % 4.16 %

After-tax 3.34 % 3.19 % 3.26 % 3.45 % 3.32 % 3.27 % 3.37 %

Total return on investments (3) (0.42) % 1.62 % 0.10 % 1.36 % 1.80 % 1.29 % 7.07 %

(1)Amounts include dividends and other distributions on investment funds, term loan investments, funds held balances, cash balances and other.

(2)Presented on an annualized basis and excluding the impact of investments for which returns are not included within investment income, such as investments accounted for using the equity method and certain equities.

(3)Total return on investments includes investment income, equity in net income or loss of investments accounted for using the equity method, net realized gains and losses (excluding changes in allowance for credit losses on non-investment related financial assets) and the change in unrealized gains or losses and is calculated on a pre-tax basis and before investment expenses. See ‘Comments on Non-GAAP Financial Measures’ for a further discussion of the presentation of total return on investments.

Arch Capital Group Ltd. and Subsidiaries

Investment Information — Composition of Fixed Maturities

The following table summarizes the Company’s fixed maturities:

(U.S. Dollars in millions)

Fair

Value Gross

Unrealized

Gains Gross

Unrealized

Losses Net

Unrealized

Gains (Losses) Allowance

for Credit Losses Amortized

Cost Fair Value /

Amortized Cost Fair Value

% of Total

At September 30, 2026

Corporates $ 15,447 $ 51 $ (570) $ (519) $ (13) $ 15,979 96.7 % 46.4 %

U.S. government and government agencies 7,234 4 (192) (188) — 7,422 97.5 % 21.7 %

Asset-backed securities 3,735 3 (69) (66) (5) 3,806 98.1 % 11.2 %

Non-U.S. government securities 2,749 19 (125) (106) (1) 2,856 96.3 % 8.3 %

Residential mortgage-backed securities 2,518 1 (107) (106) — 2,624 96.0 % 7.6 %

Commercial mortgage-backed securities 1,505 1 (21) (20) — 1,525 98.7 % 4.5 %

Municipal bonds 95 — (5) (5) — 100 95.0 % 0.3 %

Total $ 33,283 $ 79 $ (1,089) $ (1,010) $ (19) $ 34,312 97.0 % 100.0 %

At December 31, 2025

Corporates $ 15,160 $ 265 $ (142) $ 123 $ (10) $ 15,047 100.8 % 45.2 %

U.S. government and government agencies 7,450 23 (21) 2 — 7,448 100.0 % 22.2 %

Asset-backed securities 3,574 20 (15) 5 (8) 3,577 99.9 % 10.7 %

Non-U.S. government securities 3,273 53 (81) (28) (1) 3,302 99.1 % 9.8 %

Residential mortgage-backed securities 2,705 34 (21) 13 — 2,692 100.5 % 8.1 %

Commercial mortgage-backed securities 1,212 11 (5) 6 (1) 1,207 100.4 % 3.6 %

Municipal bonds 162 — (4) (4) — 166 97.6 % 0.5 %

Total $ 33,536 $ 406 $ (289) $ 117 $ (20) $ 33,439 100.3 % 100.0 %

Arch Capital Group Ltd. and Subsidiaries

Investment Information — Credit Quality Distribution and Maturity Profile

The following table summarizes the credit quality distribution and maturity profile of the Company’s fixed maturities:

(U.S. Dollars in millions) September 30, June 30, March 31, December 31, September 30,

2026 2026 2026 2025 2025

Credit quality distribution of total fixed maturities (1):

U.S. government and government agencies (2) $ 9,037 27.2 % $ 10,011 29.2 % $ 9,665 28.8 % $ 9,561 28.5 % $ 8,409 25.5 %

AAA 5,314 16.0 % 5,580 16.3 % 5,769 17.2 % 5,667 16.9 % 5,425 16.5 %

AA 2,718 8.2 % 2,638 7.7 % 2,554 7.6 % 2,564 7.6 % 2,449 7.4 %

A 6,544 19.7 % 6,526 19.0 % 6,405 19.1 % 6,448 19.2 % 6,904 20.9 %

BBB 6,763 20.3 % 6,698 19.5 % 6,526 19.5 % 6,533 19.5 % 7,167 21.7 %

BB 1,399 4.2 % 1,391 4.1 % 1,340 4.0 % 1,330 4.0 % 1,175 3.6 %

B 834 2.5 % 818 2.4 % 806 2.4 % 734 2.2 % 685 2.1 %

Lower than B 38 0.1 % 42 0.1 % 35 0.1 % 35 0.1 % 29 0.1 %

Not rated 636 1.9 % 626 1.8 % 428 1.3 % 664 2.0 % 715 2.2 %

Total fixed maturities, at fair value $ 33,283 100.0 % $ 34,330 100.0 % $ 33,528 100.0 % $ 33,536 100.0 % $ 32,958 100.0 %

Maturity profile of total fixed maturities:

Due in one year or less $ 992 3.0 % $ 740 2.2 % $ 582 1.7 % $ 412 1.2 % $ 570 1.7 %

Due after one year through five years 16,338 49.1 % 17,498 51.0 % 17,540 52.3 % 17,680 52.7 % 17,379 52.7 %

Due after five years through ten years 7,449 22.4 % 7,522 21.9 % 6,659 19.9 % 7,149 21.3 % 7,047 21.4 %

Due after 10 years 746 2.2 % 701 2.0 % 727 2.2 % 804 2.4 % 798 2.4 %

25,525 76.7 % 26,461 77.1 % 25,508 76.1 % 26,045 77.7 % 25,794 78.3 %

Residential mortgage-backed securities 2,518 7.6 % 2,643 7.7 % 2,892 8.6 % 2,705 8.1 % 2,766 8.4 %

Commercial mortgage-backed securities 1,505 4.5 % 1,549 4.5 % 1,391 4.1 % 1,212 3.6 % 1,249 3.8 %

Asset-backed securities 3,735 11.2 % 3,677 10.7 % 3,737 11.1 % 3,574 10.7 % 3,149 9.6 %

Total fixed maturities, at fair value $ 33,283 100.0 % $ 34,330 100.0 % $ 33,528 100.0 % $ 33,536 100.0 % $ 32,958 100.0 %

(1) For individual fixed maturities, S&P ratings are used. In the absence of an S&P rating, ratings from Moody’s are used, followed by ratings from Fitch Ratings.

(2) Includes U.S. government-sponsored agency mortgage backed securities and agency commercial mortgage backed securities.

Arch Capital Group Ltd. and Subsidiaries

Investment Information — Analysis of Corporate Exposures

The following table summarizes the Company’s corporate bonds by sector:

(U.S. Dollars in millions) September 30, June 30, March 31, December 31, September 30,

2026 2026 2026 2025 2025

Sector:

Industrials $ 8,362 54.1 % $ 8,439 54.8 % $ 8,286 55.5 % $ 7,840 51.7 % $ 8,262 51.5 %

Financials 5,867 38.0 % 5,623 36.5 % 5,450 36.5 % 6,066 40.0 % 6,251 39.0 %

Utilities 880 5.7 % 1,054 6.8 % 942 6.3 % 949 6.3 % 1,225 7.6 %

All other (1) 338 2.2 % 283 1.8 % 251 1.7 % 305 2.0 % 306 1.9 %

Total $ 15,447 100.0 % $ 15,399 100.0 % $ 14,929 100.0 % $ 15,160 100.0 % $ 16,044 100.0 %

Credit quality distribution (2):

AAA $ 174 1.1 % $ 185 1.2 % $ 176 1.2 % $ 195 1.3 % $ 195 1.2 %

AA 1,252 8.1 % 1,220 7.9 % 1,093 7.3 % 968 6.4 % 807 5.0 %

A 5,234 33.9 % 5,286 34.3 % 5,173 34.7 % 5,315 35.1 % 5,882 36.7 %

BBB 6,290 40.7 % 6,256 40.6 % 6,111 40.9 % 6,210 41.0 % 6,891 43.0 %

BB 1,326 8.6 % 1,315 8.5 % 1,266 8.5 % 1,262 8.3 % 1,128 7.0 %

B 829 5.4 % 815 5.3 % 800 5.4 % 728 4.8 % 676 4.2 %

Lower than B 38 0.2 % 42 0.3 % 35 0.2 % 35 0.2 % 29 0.2 %

Not rated 304 2.0 % 280 1.8 % 275 1.8 % 447 2.9 % 436 2.7 %

Total $ 15,447 100.0 % $ 15,399 100.0 % $ 14,929 100.0 % $ 15,160 100.0 % $ 16,044 100.0 %

(1) Includes sovereign securities, supranational securities and other.

(2) For individual fixed maturities, S&P ratings are used. In the absence of an S&P rating, ratings from Moody’s are used, followed by ratings from Fitch Ratings.

The following table summarizes the Company’s top ten exposures to fixed income corporate issuers by fair value at September 30, 2026:

(U.S. Dollars in millions) Fair

Value % of Asset Class % of Investable Assets Credit Quality (1)

Issuer:

Morgan Stanley $ 444 2.9 % 0.9 % A/A1

Citigroup Inc. 302 2.0 % 0.6 % A-/A2

The Goldman Sachs Group, Inc. 274 1.8 % 0.6 % BBB+/A2

Bank of America Corporation 237 1.5 % 0.5 % A-/A1

Amazon.com, Inc. 234 1.5 % 0.5 % AA/A1

JPMorgan Chase & Co. 231 1.5 % 0.5 % A/A1

The Toronto-Dominion Bank 194 1.3 % 0.4 % A-/A2

UBS Group AG 176 1.1 % 0.4 % A/A1

Alphabet Inc. 158 1.0 % 0.3 % AA+/Aa2

Wells Fargo & Company 157 1.0 % 0.3 % A-/A1

Total $ 2,407 15.6 % 4.9 %

(1) Average credit ratings assigned by S&P and Moody’s, respectively.

Arch Capital Group Ltd. and Subsidiaries

Investment Information — Structured Securities

The following table provides the composition of the Company’s structured securities:

(U.S. Dollars in millions) Agencies AAA AA A BBB Non-Investment Grade Total

At September 30, 2026

Residential mortgage-backed securities $ 1,798 $ 695 $ — $ — $ — $ 25 $ 2,518

Commercial mortgage-backed securities 6 975 109 38 259 118 1,505

Asset-backed securities — 1,843 354 1,065 212 261 3,735

Total $ 1,804 $ 3,513 $ 463 $ 1,103 $ 471 $ 404 $ 7,758

At December 31, 2025

Residential mortgage-backed securities $ 2,105 $ 598 $ 2 $ — $ — $ — $ 2,705

Commercial mortgage-backed securities 6 730 159 47 193 77 1,212

Asset-backed securities — 2,026 310 904 128 206 3,574

Total $ 2,111 $ 3,354 $ 471 $ 951 $ 321 $ 283 $ 7,491

Arch Capital Group Ltd. and Subsidiaries

Comments on Non-GAAP Financial Measures

Throughout this financial supplement, the Company presents its operations in the way it believes will be the most meaningful and useful to investors, analysts, rating agencies and others who use the Company’s financial information in evaluating the performance of the Company. This presentation includes the use of after-tax operating income available to Arch common shareholders, which is defined as net income available to Arch common shareholders, excluding net realized gains or losses (which include, but are not limited to, realized and unrealized changes in the fair value of equity securities and assets accounted for using the fair value option, realized and unrealized gains and losses on derivative instruments, changes in the allowance for credit losses on financial assets and gains and losses realized from the acquisition or disposition of subsidiaries), equity in net income or loss of investments accounted for using the equity method, net foreign exchange gains or losses, transaction costs and other, net of income taxes and the use of annualized operating return on average common equity. The presentation of after-tax operating income available to Arch common shareholders and annualized operating return on average common equity are non-GAAP financial measures as defined in Regulation G. The reconciliation of such measures to net income available to Arch common shareholders and annualized net income return on average common equity (the most directly comparable GAAP financial measures) in accordance with Regulation G is included on the following page.

The Company believes that net realized gains or losses, equity in net income or loss of investments accounted for using the equity method, net foreign exchange gains or losses and transaction costs and other, in any particular period are not indicative of the performance of, or trends in, the Company’s business. Although net realized gains or losses, equity in net income or loss of investments accounted for using the equity method and net foreign exchange gains or losses are an integral part of the Company’s operations, the decision to realize these items are independent of the insurance underwriting process and result, in large part, from general economic and financial market conditions. Furthermore, certain users of the Company’s financial information believe that, for many companies, the timing of the realization of investment gains or losses is largely opportunistic. In addition, changes in the allowance for credit losses and net impairment losses recognized in earnings on the Company’s investments represent other-than-temporary declines in expected recovery values on securities without actual realization.

Transaction costs and other include advisory, financing, legal, severance, incentive compensation and other transaction costs related to acquisitions. The Company believes that transaction costs and other, due to their non-recurring nature, are not indicative of the performance of, or trends in, the Company’s business performance.

The Company’s segment information includes the presentation of consolidated underwriting income or loss and a subtotal of underwriting income or loss. Such measures represent the pre-tax profitability of the Company’s underwriting operations and include net premiums earned plus other underwriting income, less losses and loss adjustment expenses, acquisition expenses and other operating expenses. Other operating expenses include those operating expenses that are incremental and/or directly attributable to the Company’s individual underwriting operations. Underwriting income or loss does not include certain income and expense items which are included in corporate. While these measures are presented in the Segment Information footnote to the Company’s Consolidated Financial Statements, they are considered non-GAAP financial measures when presented elsewhere on a consolidated basis. The reconciliations of underwriting income or loss to income before income taxes (the most directly comparable GAAP financial measure) on a consolidated basis, in accordance with Regulation G, is shown on pages 9 to 12.

In addition, the Company’s segment information includes the use of a combined ratio excluding catastrophic activity and prior year development, for the insurance and reinsurance segments, and a combined ratio excluding prior year development, for the mortgage segment. These ratios are non-GAAP financial measures as defined in Regulation G. The reconciliation of such measures to the combined ratio (the most directly comparable GAAP financial measure) in accordance with Regulation G are shown on the individual segment pages. The Company’s management utilizes the adjusted combined ratios excluding current accident year catastrophic events and favorable or adverse development in prior year loss reserves in its analysis of the underwriting performance of each of its underwriting segments. Effective in the 2025 first quarter, the ‘Other operating expense ratio’ includes ‘Other underwriting income.’

Total return on investments includes investment income, equity in net income or loss of investments accounted for using the equity method, net realized gains and losses (excluding changes in the allowance for credit losses on non-investment related financial assets) and the change in unrealized gains and losses generated by the Company’s investment portfolio. Total return is calculated on a pre-tax basis and before investment expenses, and reflects the effect of financial market conditions along with foreign currency fluctuations. Management uses total return on investments as a key measure of the return generated to Arch common shareholders, and compares the return generated by the Company’s investment portfolio against benchmark returns during the periods presented.

Tangible book value per common share represents common shareholders’ equity available to Arch less goodwill and intangible assets. The Company believes that tangible book value per common share is useful to investors because it provides a more accurate measure of the realizable value of shareholder returns by excluding the impact of goodwill and intangible assets.

Adjusted tangible book value per common share represents common shareholders’ equity available to Arch less goodwill and intangible assets and accumulated other comprehensive income (loss) (“AOCI”), net of deferred income tax related to AOCI, as presented on the Company’s balance sheet. The Company believes that adjusted tangible book value per common share is also useful to investors because it provides an indication of its effective and prudent use of capital, which results in the creation of shareholder value over time.

Arch Capital Group Ltd. and Subsidiaries

Operating Income Reconciliation and Annualized Operating Return on Average Common Equity

The following table summarizes the Company’s consolidated financial data, including a reconciliation of net income (loss) available to Arch common shareholders to after-tax operating income (loss) available to Arch common shareholders and related diluted per share results:

(U.S. Dollars and shares in millions, except per share data) Three Months Ended Nine Months Ended

September 30, June 30, March 31, December 31, September 30, September 30, September 30,

2026 2026 2026 2025 2025 2026 2025

Net income available to Arch common shareholders $ 1,025 $ 1,047 $ 1,037 $ 1,228 $ 1,340 $ 3,109 $ 3,131

Net realized (gains) losses (1) 99 17 87 (22) (210) 203 (442)

Equity in net (income) of investments accounted for using the equity method (224) (196) (160) (155) (134) (580) (349)

Net foreign exchange (gains) losses (18) (10) (21) 6 7 (49) 122

Transaction costs and other 17 32 18 26 21 67 49

Income tax expense (benefit) (2) 11 3 (60) 9 18 (46) 97

After-tax operating income available to Arch common shareholders $ 910 $ 893 $ 901 $ 1,092 $ 1,042 $ 2,704 $ 2,608

Diluted per common share results:

Net income available to Arch common shareholders $ 3.00 $ 3.00 $ 2.88 $ 3.35 $ 3.56 $ 8.89 $ 8.26

Net realized (gains) losses (1) 0.29 0.05 0.24 (0.06) (0.56) 0.58 (1.17)

Equity in net (income) of investments accounted for using the equity method (0.66) (0.56) (0.44) (0.42) (0.36) (1.66) (0.93)

Net foreign exchange (gains) losses (0.04) (0.03) (0.06) 0.02 0.02 (0.14) 0.32

Transaction costs and other 0.05 0.09 0.05 0.07 0.06 0.19 0.14

Income tax expense (benefit) (2) 0.03 0.01 (0.17) 0.02 0.05 (0.13) 0.26

After-tax operating income available to Arch common shareholders $ 2.67 $ 2.56 $ 2.50 $ 2.98 $ 2.77 $ 7.73 $ 6.88

Weighted average common shares and common share equivalents outstanding - diluted 341.4 348.8 359.7 366.6 376.1 349.7 379.1

Beginning common shareholders’ equity $ 23,200 $ 23,358 $ 23,376 $ 22,889 $ 22,211 $ 23,376 $ 19,990

Ending common shareholders’ equity 22,162 23,200 23,358 23,376 22,889 22,162 22,889

Average common shareholders’ equity $ 22,681 $ 23,279 $ 23,367 $ 23,133 $ 22,550 $ 22,769 $ 21,440

Annualized net income return on average common equity 18.1 % 18.0 % 17.8 % 21.2 % 23.8 % 18.2 % 19.5 %

Annualized operating return on average common equity 16.0 % 15.3 % 15.4 % 18.9 % 18.5 % 15.8 % 16.2 %

Arch Capital Group Ltd. and Subsidiaries

Operating Income and Effective Tax Rate Calculations

The following table provides a reconciliation of income (loss) before income taxes to after-tax operating income (loss) available to Arch common shareholders and an analysis of the effective tax rate on pre-tax operating income (loss) available to Arch common shareholders:

(U.S. Dollars in millions) Three Months Ended Nine Months Ended

September 30, June 30, March 31, December 31, September 30, September 30, September 30,

2026 2026 2026 2025 2025 2026 2025

Arch Operating Income Components:

Income (loss) before income taxes and income (loss) from operating affiliates $ 1,186 $ 1,175 $ 1,109 $ 1,387 $ 1,503 $ 3,470 $ 3,592

Net realized (gains) losses 99 17 87 (22) (210) 203 (442)

Equity in net (income) of investments accounted for using the equity method (224) (196) (160) (155) (134) (580) (349)

Net foreign exchange (gains) losses (18) (10) (21) 6 7 (49) 122

Transaction costs and other 17 32 18 26 21 67 49

Income (loss) from operating affiliates

33 46 36 61 62 115 119

Pre-tax operating income available to Arch (b) 1,093 1,064 1,069 1,303 1,249 3,226 3,091

Income tax (expense) benefit (a) (173) (161) (158) (201) (197) (492) (453)

After-tax operating income available to Arch 920 903 911 1,102 1,052 2,734 2,638

Preferred dividends (10) (10) (10) (10) (10) (30) (30)

After-tax operating income available to Arch common shareholders $ 910 $ 893 $ 901 $ 1,092 $ 1,042 $ 2,704 $ 2,608

Effective tax rate on pre-tax operating income (loss) available to Arch (a)/(b) 15.8 % 15.1 % 14.8 % 15.4 % 15.8 % 15.3 % 14.7 %

Arch Capital Group Ltd. and Subsidiaries

Capital Structure

The following table provides an analysis of the Company’s capital structure:

(U.S. Dollars and shares in millions, except per share data) September 30, June 30, March 31, December 31, September 30,

2026 2026 2026 2025 2025

Debt:

Arch 7.350% senior notes, due May 1, 2034 $ 300 $ 300 $ 300 $ 300 $ 300

Arch 5.250% senior notes, due June 15, 2036 600 600 — — —

Arch 3.635% senior notes, due June 30, 2050 1,000 1,000 1,000 1,000 1,000

Arch 5.950% senior notes, due June 15, 2056 1,400 1,400 — — —

Arch-U.S. 5.144% senior notes, due November 1, 2043 (1) 281 281 500 500 500

Arch Finance 4.011% senior notes, due December 15, 2026 (2) 500 500 500 500 500

Arch Finance 5.031% senior notes, due December 15, 2046 (2) 251 251 450 450 450

Deferred debt costs on senior notes (46) (46) (21) (21) (22)

Revolving credit agreement borrowings, due August 23, 2028 — — — — —

Total debt $ 4,286 $ 4,286 $ 2,729 $ 2,729 $ 2,728

Shareholders’ equity available to Arch:

Series F non-cumulative preferred shares (5.45%) 330 330 330 330 330

Series G non-cumulative preferred shares (4.55%) 500 500 500 500 500

Common shareholders’ equity 22,162 23,200 23,358 23,376 22,889

Total shareholders’ equity available to Arch $ 22,992 $ 24,030 $ 24,188 $ 24,206 $ 23,719

Total capital available to Arch $ 27,278 $ 28,316 $ 26,917 $ 26,935 $ 26,447

Leverage ratios:

Senior notes/total capital available to Arch 15.7 % 15.1 % 10.1 % 10.1 % 10.3 %

Revolving credit agreement borrowings/total capital available to Arch — % — % — % — % — %

Debt/total capital available to Arch 15.7 % 15.1 % 10.1 % 10.1 % 10.3 %

Preferred/total capital available to Arch 3.0 % 2.9 % 3.1 % 3.1 % 3.1 %

Debt and preferred/total capital available to Arch 18.8 % 18.1 % 13.2 % 13.2 % 13.5 %

(1) Issued by Arch Capital Group (U.S.) Inc. (“Arch-U.S.”), a wholly owned subsidiary of Arch, and fully and unconditionally guaranteed by Arch.

(2) Issued by Arch Capital Finance LLC (“Arch Finance”), a wholly owned subsidiary of Arch U.S. MI Holdings Inc., and fully and unconditionally guaranteed by Arch.

Arch Capital Group Ltd. and Subsidiaries

Book Value, Tangible Book Value and Share Repurchase Activity

The following table provides a reconciliation of book value per common share to tangible book value and adjusted tangible book value per common share:

(U.S. Dollars and shares in millions, except per share data) September 30, June 30, March 31, December 31, September 30,

2026 2026 2026 2025 2025

Total shareholders’ equity available to Arch $ 22,992 $ 24,030 $ 24,188 $ 24,206 $ 23,719

Less preferred shareholders’ equity 830 830 830 830 830

Common shareholders’ equity (a) 22,162 23,200 23,358 23,376 22,889

Less: goodwill and intangible assets 1,133 1,163 1,190 1,222 1,268

Common shareholders’ equity available to Arch less goodwill and intangible assets (b) $ 21,029 $ 22,037 $ 22,168 $ 22,154 $ 21,621

Less: Accumulated other comprehensive income (loss), net of deferred income tax (1,076) (413) (333) 5 —

Common shareholders’ equity available to Arch less goodwill and intangible assets and AOCI (c) $ 22,105 $ 22,450 $ 22,501 $ 22,149 $ 21,621

Common shares outstanding, net of treasury shares (d) 326.4 341.0 352.9 359.0 367.3

Book value per common share (1) (a)/(d) $ 67.90 $ 68.04 $ 66.19 $ 65.11 $ 62.32

Tangible book value per common share (1) (2) (b)/(d) $ 64.43 $ 64.62 $ 62.82 $ 61.71 $ 58.86

Adjusted tangible book value per common share (1) (2) (c)/(d) $ 67.72 $ 65.84 $ 63.76 $ 61.70 $ 58.86

(1) Excludes the effects of stock options, restricted and performance stock units outstanding.

(2) See ‘Comments on Non-GAAP Financial Measures’ for a further discussion of consolidated underwriting income or loss, after-tax operating income or loss available to Arch common shareholders and annualized operating return on average common equity.

The following table provides the impact of share repurchases under the Company’s share repurchase program:

(U.S. Dollars and shares in millions, except per share data) Three Months Ended Cumulative

September 30, June 30, March 31, December 31, September 30, September 30,

2026 2026 2026 2025 2025 2026

Effect of share repurchases:

Aggregate cost of shares repurchased $ 1,433.0 $ 1,165.8 $ 783.0 $ 797.9 $ 732.3 $ 11,164.8

Shares repurchased 14.8 12.4 8.3 8.9 8.2 490.5

Average price per share repurchased $ 96.62 $ 94.38 $ 94.01 $ 90.04 $ 88.82 $ 22.76

Remaining share repurchase authorization (1) $ 725.1

(1) Repurchases under the share repurchase authorization may be effected from time to time in open market or privately negotiated transactions.

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Name of the City or Town

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ISO 3166-1 alpha-2 country code.

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Code for the postal or zip code

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A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.

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Indicate if registrant meets the emerging growth company criteria.

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Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.

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Two-character EDGAR code representing the state or country of incorporation.

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Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

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The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.

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The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.

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Local phone number for entity.

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Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.

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Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.

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Title of a 12(b) registered security.

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Name of the Exchange on which a security is registered.

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Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.

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Trading symbol of an instrument as listed on an exchange.

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Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.

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