YOLFTbeta
Hiscox Ltd

Hiscox Ltd

HSX · LSE · Financial Services / Insurance - Property & Casualty

1,952.00GBX+7.00 (+0.36%)

Price History

Full chart

Market Stats

Previous Close1,945.00
Open1,951.00
Day Range1,939.00 – 1,965.00
52-Week Range1,257.66 – 1,952.00
Volume776.95K
Market Cap5.89B
P/E (TTM)13.01
Forward P/E12.47
EPS1.43
Dividend Yield2.10%
Beta0.40
50-Day Avg1,843.00
200-Day Avg1,669.79

About

Hiscox Ltd, through its subsidiaries, provides insurance and reinsurance services in the United Kingdom, Europe, the United States, and internationally. It operates through Hiscox Retail, Hiscox London Market, and Hiscox Re segments. The company offers commercial insurance, such as emerging professions, media and tech, and small business insurance; and personal lines, including high-value homes and fine art, as well as artwork, antiques, classic cars, jewelry, collectables, and other assets through brokers, partners, and direct-to-consumers. It also provides property insurance; marine, specialty, cyber, and energy insurance; casualty insurance; terrorism, kidnap, and ransom insurance; and other specialty insurance products. In addition, the company offers property and casualty reinsurance services, as well as investment services. Hiscox Ltd was founded in 1901 and is headquartered in Pembroke, Bermuda.

Company Details

  • SectorFinancial Services
  • IndustryInsurance - Property & Casualty
  • CEOMr. Hamayou Akbar Hussain
  • Employees3.00K
  • HeadquartersChesney House, Pembroke, Bermuda, HM 08, UK
  • Websitehttps://www.hiscoxgroup.com

Leadership

  • Mr. Hamayou Akbar HussainGroup CEO & Executive Director · b. 1972
  • Mr. Paul David CooperGroup CFO & Executive Director · b. 1972
  • Ms. Joanne Riddick MusselleGroup Chief Underwriting Officer & Executive Director · b. 1970
  • Ms. Shali VasudevaGroup Chief Operations & Technology Officer · b. 1969
  • Mr. Todd IsaacGroup Chief Investment & Treasury Officer
  • Mr. Chris LoakeGroup Chief Information Officer
  • Dr. Yana O'SullivanDirector of Investor Relations
  • Ms. Shirley GirlingGroup General Counsel
  • Ms. Aparna SarinGroup Chief Marketing & Revenue Officer
  • Ms. Nicola GrantChief People Officer

Financials

Income Statement

Currency: USD2005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue1.35B1.79B2.11B1.43B2.06B1.95B1.95B1.97B2.03B2.17B2.22B2.53B2.58B2.66B2.91B3.00B3.02B4.52B4.88B3.81B5.48B
Growth (%)-+32.26%+18.32%-32.36%+44.11%-5.26%-0.22%+1.18%+2.76%+7.27%+2.26%+13.99%+1.62%+3.24%+9.52%+3.03%+0.76%+49.57%+7.87%-21.91%+43.98%
Cost of Revenue815.65M10.45M849.15M951.78M758.34M863.38M1.12B458.32M504.22M495.92M894.01M1.02B1.33B1.21B2.52B-1.44B3.44B3.25B1.08B-
Gross Profit535.92M1.89B1.27B1.13B1.22B1.54B828.88M1.62B1.24B2.17B1.44B2.20B2.58B1.44B2.91B3.00B1.66B1.09B1.63B3.81B5.48B
Gross Margin39.65%105.92%59.85%79.31%59.33%78.67%42.53%81.93%61.40%100.00%64.59%86.72%100.00%54.35%100.00%100.00%54.97%24.02%33.38%100.00%100.00%
Operating Expense415.09M1.48B790.08M973.11M696.20M1.19B791.67M1.28B875.91M1.80B1.10B1.76B2.51B1.28B2.82B3.22B-738.85M810.18M-1.99B3.12B4.74B
Operating Income120.83M412.35M475.75M161.58M527.00M341.80M37.21M339.30M368.33M369.65M337.49M437.44M66.33M169.80M89.60M-224.20M2.40B275.60M3.61B685.40M748.07M
Operating Margin8.94%23.07%22.49%11.29%25.56%17.50%1.91%17.21%18.18%17.00%15.18%17.26%2.58%6.39%3.08%-7.47%79.41%6.10%74.12%18.00%13.64%
EBITDA131.27M419.98M496.37M169.38M536.77M352.70M49.79M377.44M430.99M389.66M368.15M497.19M93.07M200.40M134.30M-167.70M248.20M335.60M767.10M799.20M883.45M
EBITDA Margin9.71%23.50%23.47%11.84%26.04%18.06%2.55%19.14%21.27%17.93%16.56%19.62%3.61%7.54%4.61%-5.59%8.21%7.42%15.73%20.99%16.11%
Net Income83.68M321.01M379.27M103.69M453.56M275.96M33.03M335.76M392.06M336.43M310.96M415.77M33.90M117.90M48.90M-293.70M189.50M253.90M712.00M627.20M616.77M
Net Income Margin6.19%17.96%17.93%7.25%22.00%14.13%1.69%17.03%19.35%15.48%13.99%16.41%1.32%4.43%1.68%-9.79%6.27%5.62%14.60%16.47%11.25%
Interest Expense5.74M18.42M16.22M7.55M8.56M15.57M10.40M13.91M11.83M9.99M14.31M25.00M27.05M34.09M36.60M44.00M50.80M39.12M50.00M53.10M68.20M
Interest Expense % of Total Revenue0.42%1.03%0.77%0.53%0.42%0.80%0.53%0.71%0.58%0.46%0.64%0.99%1.05%1.28%1.26%1.47%1.68%0.87%1.03%1.39%1.24%

Balance Sheet

Currency: USD2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets817.32M1.24B1.42B1.60B1.85B4.73B5.21B5.75B5.47B6.17B6.16B6.56B6.20B7.31B7.75B7.86B8.19B9.74B10.85B12.55B13.86B13.85B13.72B11.06B11.24B12.19B
Total Liabilities683.76M1.07B1.14B1.27B1.48B3.73B3.87B4.12B4.08B4.36B4.21B4.61B4.01B4.99B5.49B5.59B5.95B7.37B8.53B10.36B11.50B11.31B11.31B7.76B7.55B8.24B
Total Equity133.56M164.79M280.30M329.84M371.60M994.58M1.34B1.63B1.39B1.81B1.95B1.95B2.22B2.32B2.26B2.26B2.24B2.37B2.26B2.19B2.35B2.54B2.63B3.30B3.69B3.95B
Cash38.47M62.52M121.20M52.95M61.33M711.95M985.23M600.38M686.65M438.27M525.21M821.94M1.07B940.94M989.57M1.09B850.60M875.86M1.29B1.12B1.58B1.30B1.35B1.44B1.23B878.32M
Total Debt-----209.30M181.92M181.98M132.85M223.78M30.94M----403.94M340.31M370.07M699.47M728.20M1.01B793.00M635.90M754.20M743.00M902.00M
Net Debt------502.65M-803.31M-418.40M-553.80M-214.49M-494.28M-821.94M-1.08B-940.94M-989.57M-684.32M-510.29M-505.79M-589.75M-387.70M-571.40M-507.70M-715.00M-682.80M-484.00M17.11M

Cash Flow

Currency: USD2005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-50.17M221.81M-123.52M294.26M-226.43M418.26M400.88M363.79M191.12M532.24M105.96M70.11M95.25M300.47M39.50M-117.10M16.60M373.40M232.10M114.40M74.33M
Investing Cash Flow78.55M123.22M-46.86M-24.41M-18.94M-34.34M-18.36M-22.16M12.20M-67.89M-88.43M-38.21M3.27M-59.63M-97.30M-52.70M-36.60M-81.90M-34.20M-38.50M-115.78M
Financing Cash Flow475.41M-81.30M-99.25M-158.86M2.61M-266.84M-104.49M-94.88M-356.34M-319.57M87.70M-184.43M-95.52M202.15M-123.50M592.80M-246.20M-190.90M-128.90M-282.60M-364.69M
Capital Expenditure13.34M11.27M7.79M11.79M18.94M29.41M19.49M17.14M23.32M61.18M74.41M7.11M9.07M59.63M97.30M71.50M58.90M82.80M43.70M39.10M1.33M
Free Cash Flow-63.50M210.54M-131.31M282.47M-245.37M388.86M381.39M346.64M167.80M471.06M31.55M63.00M86.17M240.84M-57.80M-188.60M-42.30M290.60M188.40M75.30M73.00M
Dividends Paid29.11M59.61M43.59M68.47M78.61M90.23M78.43M97.53M363.14M307.35M310.27M138.83M97.94M105.70M111.60M39.20M39.20M119.80M124.50M127.00M148.55M
FCF to OCF126.59%94.92%106.31%95.99%108.36%92.97%95.14%95.29%87.80%88.51%29.78%89.86%90.47%80.15%-146.33%161.06%-254.82%77.83%81.17%65.82%98.21%
Dividend Paid to FCF-45.84%28.31%-33.20%24.24%-32.04%23.20%20.56%28.14%216.41%65.25%983.37%220.36%113.66%43.89%-193.08%-20.78%-92.67%41.23%66.08%168.66%203.50%

Earnings

Report DateFeb 24, 2014Jul 28, 2014Mar 2, 2015Jul 27, 2015Feb 29, 2016Jul 25, 2016Feb 27, 2017Jul 31, 2017Feb 26, 2018May 8, 2018Jul 30, 2018Nov 5, 2018Feb 25, 2019Jul 29, 2019Mar 2, 2020Aug 3, 2020Mar 3, 2021May 5, 2021Aug 3, 2021Nov 2, 2021Mar 2, 2022May 5, 2022Aug 3, 2022Nov 2, 2022Mar 8, 2023May 4, 2023Aug 9, 2023Nov 8, 2023Mar 5, 2024Jun 6, 2024Aug 7, 2024Mar 12, 2025May 6, 2025Aug 6, 2025Feb 24, 2027
EPS Estimate0.410.470.550.490.430.500.320.40-0.200.0040.100.00-0.190.50-0.31-0.38-0.280.000.260.000.220.000.310.00-0.020.000.720.000.660.000.890.920.000.62-
EPS Actual0.000.000.000.000.280.680.480.34-0.250.000.520.000.000.000.000.000.000.000.000.000.000.000.000.000.020.000.000.000.660.000.001.050.000.64-
Surprise-100.00%-100.00%-100.00%-100.00%-34.88%36.00%50.00%-15.00%-25.00%--98.70%-100.00%-100.00%100.00%100.00%100.00%--100.00%--100.00%--100.00%-215.00%--100.00%--0.30%--100.00%14.01%-2.27%-
Timing----------------------Pre-marketPre-marketPre-marketAfter-hoursPre-marketPre-market-After-hours---After-hoursPre-market

Key Statistics & Ratios

Market Cap5.89B
Enterprise Value5.57B
Trailing P/E13.01
Forward P/E12.47
PEG Ratio3.65
Price / Sales1.43
Price / Book2.00
EPS1.43
Book Value9.33
Revenue (TTM)4.12B
Gross Profit (TTM)995.20M
EBITDA767.00M
Profit Margin15.57%
Operating Margin14.26%
Return on Equity16.51%
Return on Assets3.84%
Shares Outstanding316.45M
Shares Float319.75M
Beta0.40
Dividend Yield2.10%
Dividend Rate0.39
Payout Ratio26.67%

Dividends

20262×
0.12Aug 13, 20260.27Apr 23, 2026
20252×
0.11Aug 14, 20250.22Apr 24, 2025
20242×
0.10Aug 15, 20240.20May 2, 2024
20232×
0.10Aug 17, 20230.19May 4, 2023
20222×
0.10Aug 11, 20220.18May 5, 2022
20211×
0.08Aug 12, 2021
20201×
22.06May 14, 2020
20192×
0.11Aug 8, 20190.23May 9, 2019
20182×
0.10Aug 9, 20180.20May 10, 2018
20172×
0.10Aug 10, 20170.19May 11, 2017
20162×
0.09Aug 4, 20160.16Mar 10, 2016
20152×
0.09Aug 6, 20150.15Mar 26, 2015
20142×
0.09Aug 6, 20140.16Mar 19, 2014

Stock Splits

  • Mar 26, 201588:100
  • Mar 19, 201489:100
  • Apr 2, 201389:100