vs
Side-by-side financial comparison of Arch Capital Group (ACGL) and O’Reilly Automotive (ORLY). Click either name above to swap in a different company.
O’Reilly Automotive is the larger business by last-quarter revenue ($4.6B vs $4.5B, roughly 1.0× Arch Capital Group). Arch Capital Group runs the higher net margin — 23.2% vs 13.2%, a 9.9% gap on every dollar of revenue. On growth, O’Reilly Automotive posted the faster year-over-year revenue change (10.2% vs -3.3%). Over the past eight quarters, Arch Capital Group's revenue compounded faster (3.4% CAGR vs 3.3%).
Arch Capital Group Ltd. is a Bermuda exempted public company which writes insurance, reinsurance and mortgage insurance on a worldwide basis, with a focus on specialty lines, the segment of the insurance industry where the more difficult and unusual risks are written. The company is headquartered in Bermuda and operates globally in 60 offices in North America, Europe, Asia and Australia.
O'Reilly Automotive, Inc., doing business as O'Reilly Auto Parts, is an American automotive part retailer that provides automotive parts, tools, supplies, equipment, and accessories to professional service providers and do-it-yourself customers. Founded in 1957 by the O’Reilly family, O'Reilly Auto Parts operates more than 6,400 stores in 48 states, Puerto Rico, Mexico, and Canada.
ACGL vs ORLY — Head-to-Head
Income Statement — Q1 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $4.5B | $4.6B |
| Net Profit | $1.0B | $604.2M |
| Gross Margin | — | 51.5% |
| Operating Margin | — | 18.5% |
| Net Margin | 23.2% | 13.2% |
| Revenue YoY | -3.3% | 10.2% |
| Net Profit YoY | 82.4% | 12.2% |
| EPS (diluted) | $2.88 | — |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | $4.5B | $4.6B | ||
| Q4 25 | $4.9B | $4.4B | ||
| Q3 25 | $5.1B | $4.7B | ||
| Q2 25 | $5.2B | $4.5B | ||
| Q1 25 | $4.7B | $4.1B | ||
| Q4 24 | $4.5B | $4.1B | ||
| Q3 24 | $4.7B | $4.4B | ||
| Q2 24 | $4.2B | $4.3B |
| Q1 26 | $1.0B | $604.2M | ||
| Q4 25 | $1.2B | $605.2M | ||
| Q3 25 | $1.4B | $725.9M | ||
| Q2 25 | $1.2B | $668.6M | ||
| Q1 25 | $574.0M | $538.5M | ||
| Q4 24 | $935.0M | $551.1M | ||
| Q3 24 | $988.0M | $665.5M | ||
| Q2 24 | $1.3B | $622.8M |
| Q1 26 | — | 51.5% | ||
| Q4 25 | — | 51.8% | ||
| Q3 25 | — | 51.9% | ||
| Q2 25 | — | 51.4% | ||
| Q1 25 | — | 51.3% | ||
| Q4 24 | — | 51.3% | ||
| Q3 24 | — | 51.6% | ||
| Q2 24 | — | 50.7% |
| Q1 26 | — | 18.5% | ||
| Q4 25 | — | 18.8% | ||
| Q3 25 | — | 20.7% | ||
| Q2 25 | — | 20.2% | ||
| Q1 25 | — | 17.9% | ||
| Q4 24 | — | 18.0% | ||
| Q3 24 | — | 20.5% | ||
| Q2 24 | — | 20.2% |
| Q1 26 | 23.2% | 13.2% | ||
| Q4 25 | 25.1% | 13.7% | ||
| Q3 25 | 26.4% | 15.4% | ||
| Q2 25 | 23.7% | 14.8% | ||
| Q1 25 | 12.3% | 13.0% | ||
| Q4 24 | 20.6% | 13.5% | ||
| Q3 24 | 20.9% | 15.2% | ||
| Q2 24 | 30.0% | 14.6% |
| Q1 26 | $2.88 | — | ||
| Q4 25 | $3.33 | $-8.01 | ||
| Q3 25 | $3.56 | $0.85 | ||
| Q2 25 | $3.23 | $0.78 | ||
| Q1 25 | $1.48 | $9.35 | ||
| Q4 24 | $2.41 | $9.50 | ||
| Q3 24 | $2.56 | $11.41 | ||
| Q2 24 | $3.30 | $10.55 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $24.0M | $252.6M |
| Total DebtLower is stronger | — | $6.2B |
| Stockholders' EquityBook value | $24.2B | — |
| Total Assets | $81.4B | $16.9B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $24.0M | $252.6M | ||
| Q4 25 | $993.0M | $193.8M | ||
| Q3 25 | $1.1B | $204.5M | ||
| Q2 25 | $983.0M | $198.6M | ||
| Q1 25 | $1.2B | $191.2M | ||
| Q4 24 | $979.0M | $130.2M | ||
| Q3 24 | $1.0B | $115.6M | ||
| Q2 24 | $1.0B | $145.0M |
| Q1 26 | — | $6.2B | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | $24.2B | — | ||
| Q4 25 | $24.2B | $-763.4M | ||
| Q3 25 | $23.7B | $-894.7M | ||
| Q2 25 | $23.0B | $-1.2B | ||
| Q1 25 | $21.5B | $-1.4B | ||
| Q4 24 | $20.8B | $-1.4B | ||
| Q3 24 | $22.3B | $-1.4B | ||
| Q2 24 | $20.7B | $-1.6B |
| Q1 26 | $81.4B | $16.9B | ||
| Q4 25 | $79.2B | $16.5B | ||
| Q3 25 | $79.2B | $16.3B | ||
| Q2 25 | $78.8B | $15.8B | ||
| Q1 25 | $75.2B | $15.3B | ||
| Q4 24 | $70.9B | $14.9B | ||
| Q3 24 | $73.7B | $14.6B | ||
| Q2 24 | $65.5B | $14.4B |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $1.2B | $3.1B |
| Free Cash FlowOCF − Capex | — | $1.8B |
| FCF MarginFCF / Revenue | — | 39.5% |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | 1.13× | 5.15× |
| TTM Free Cash FlowTrailing 4 quarters | — | $2.9B |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $1.2B | $3.1B | ||
| Q4 25 | $1.4B | $633.5M | ||
| Q3 25 | $2.2B | $616.5M | ||
| Q2 25 | $1.1B | $756.8M | ||
| Q1 25 | $1.5B | $755.1M | ||
| Q4 24 | $1.6B | $624.5M | ||
| Q3 24 | $2.0B | $772.0M | ||
| Q2 24 | $1.5B | $948.9M |
| Q1 26 | — | $1.8B | ||
| Q4 25 | $1.4B | $364.5M | ||
| Q3 25 | $2.2B | $304.4M | ||
| Q2 25 | $1.1B | $456.1M | ||
| Q1 25 | $1.4B | $468.2M | ||
| Q4 24 | $1.6B | $334.0M | ||
| Q3 24 | $2.0B | $513.7M | ||
| Q2 24 | $1.5B | $723.5M |
| Q1 26 | — | 39.5% | ||
| Q4 25 | 28.2% | 8.3% | ||
| Q3 25 | 42.6% | 6.5% | ||
| Q2 25 | 21.3% | 10.1% | ||
| Q1 25 | 31.0% | 11.3% | ||
| Q4 24 | 34.3% | 8.2% | ||
| Q3 24 | 42.5% | 11.8% | ||
| Q2 24 | 35.6% | 16.9% |
| Q1 26 | — | — | ||
| Q4 25 | 0.2% | 6.1% | ||
| Q3 25 | 0.2% | 6.6% | ||
| Q2 25 | 0.2% | 6.6% | ||
| Q1 25 | 0.2% | 6.9% | ||
| Q4 24 | 0.3% | 7.1% | ||
| Q3 24 | 0.3% | 5.9% | ||
| Q2 24 | 0.3% | 5.3% |
| Q1 26 | 1.13× | 5.15× | ||
| Q4 25 | 1.13× | 1.05× | ||
| Q3 25 | 1.62× | 0.85× | ||
| Q2 25 | 0.91× | 1.13× | ||
| Q1 25 | 2.54× | 1.40× | ||
| Q4 24 | 1.68× | 1.13× | ||
| Q3 24 | 2.04× | 1.16× | ||
| Q2 24 | 1.20× | 1.52× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ACGL
Segment breakdown not available.
ORLY
| Sales to professional service provider customers | $2.3B | 50% |
| Sales to do-it-yourself customers | $2.2B | 48% |
