Arch Capital .(US:ACGL) ZACKSยท2025-07-28 17:56Core Insights - Arch Capital Group Ltd. (ACGL) has launched a new Individual Supplemental Health product suite aimed at providing financial protection from medical costs not covered by primary insurance, targeting employees, gig workers, and independent contractors [1][3][9] Product Details - The supplemental health products include Accident Medical Expense, Hospital Indemnity, Critical Illness, and Accidental Death, designed to ensure financial support amid sudden medical expenses [1][3] - These products are portable and do not require medical underwriting, making them suitable for individuals experiencing job or life changes [2] Business Impact - The launch of the supplemental health product suite is expected to diversify revenue streams and expand ACGL's presence in the individual insurance market, increasing premium income and enhancing underwriting profitability [3] - The initiative strengthens Arch's brand and market position as a modern provider in the supplemental health space [3] Competitive Landscape - Aflac has introduced an individual Accident Insurance plan across 32 U.S. states, providing cash benefits for various incidents, thereby expanding post-accident care and preventive benefits [4] - MetLife has enhanced access to its Upwise platform via Workday Marketplace, simplifying benefits selection and boosting engagement in supplemental health products [5] Financial Performance - Over the past year, ACGL's shares have decreased by 10.6%, underperforming both the industry and the Zacks S&P 500 Composite [6] - ACGL currently trades at a price-to-book ratio of 1.61, slightly above the industry average of 1.54, and holds a Value Score of B [10] Earnings Estimates - The Zacks Consensus Estimate for ACGL's 2025 earnings indicates a 15.30% decline year over year, followed by a projected increase of 19.77% in the subsequent year [12] - Current earnings estimates for ACGL show a decline in the current year, with a forecasted recovery in the following year [13]