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Hiscox Ltd (HCXLF)
Pembroke, BM
Hiscox Ltd, a global financial services firm, delivers a broad spectrum of insurance and reinsurance solutions across the United Kingdom, Europe, the United States, and other international markets. Its operations are structured into four distinct divisions: Hiscox Retail, Hiscox London Market, Hiscox Re & ILS, and Corporate Centre. Hiscox caters to both commercial and personal clients; offering commercial policies specifically designed for small and medium-sized enterprises, alongside specialized personal coverage for high-value assets such as upscale homes, fine art collections, luxury vehicles, and classic cars. These products are distributed through a multi-channel approach, leveraging brokers, strategic partners, and direct-to-consumer platforms that incorporate both conventional and digital trading methods. Beyond these, its comprehensive portfolio extends to various other specialized coverages including property, marine and energy, aviation, and casualty insurance. The firm also addresses niche risks through offerings like kidnap and ransom, contingency, terrorism, personal accident, and product recall policies. Furthermore, Hiscox delivers healthcare and casualty reinsurance, alongside investment management services. Established in 1901, Hiscox Ltd maintains its corporate headquarters in Pembroke, Bermuda.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.00% | +0.00% | +28.20% | +20.76% | +39.57% | +39.57% | +44.92% | +88.85% | +117.26% | +72.89% | +249.22% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
-
Revenue growth Insurance - Property & Casualty: +14.1%+49.4% ★ Q4'25: +198.0% (vs Q4'23)
-
EPS growth Insurance - Property & Casualty: +27.5%+27.9% ★ Q4'25: +292.9% (vs Q4'23)
-
FCF margin FCF growth · Insurance - Property & Casualty: +25.6%+1.3% Q4'25: -1.3% (vs Q4'23)
-
EBIT margin Insurance - Property & Casualty: +16.3%+14.9% Q4'25: +16.2% (vs Q4'23)
-
ROIC Insurance - Property & Casualty: +7.9%+17.0% ★ Q4'25: +42.0% (vs Q4'23)
-
Share dilution Insurance - Property & Casualty: +0.4%+5.6% Q4'25: -23.5% (vs Q4'23)
-
Debt / EBITDA Net debt/EBITDA · Insurance - Property & Casualty: -0.10×1.01× Q4'25: 0.39× (vs Q4'23)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 5 Rev. Ana. 1 EPS Ana. |
Dec 2027 5 Rev. Ana. 1 EPS Ana. |
Dec 2028 1 Rev. Ana. 1 EPS Ana. |
Dec 2029 2 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
2.20B
est: 2.86B (-23.1%)
|
2.19B
est: 2.82B (-22.4%)
|
2.67B
est: 3.69B (-27.7%)
|
2.57B
est: 3.73B (-31.1%)
|
3.18B
est: 4.00B (-20.4%)
|
3.00B
est: 4.30B (-30.2%)
|
3.02B
est: 4.28B (-29.4%)
|
2.98B
est: 4.51B (-34.0%)
|
3.70B
est: 4.31B (-14.1%)
|
3.68B
est: 4.65B (-20.9%)
|
5.49B
est: 4.98B (+10.3%)
|
5.27B
5.07B – 5.54B
+5.8% YoY
|
5.42B
5.07B – 5.78B
+2.9% YoY
|
5.86B
5.56B – 6.21B
+8.2% YoY
|
10.60B
10.05B – 11.22B
+80.7% YoY
|
| EBITDA |
360.89M
est: 264.01M (+36.7%)
|
489.92M
est: 260.33M (+88.2%)
|
96.93M
est: 340.69M (-71.5%)
|
193.90M
est: 344.80M (-43.8%)
|
134.46M
est: 369.39M (-63.6%)
|
-182.07M
est: 396.78M (-145.9%)
|
293.69M
est: 395.55M (-25.8%)
|
—
est: 416.46M (-100.0%)
|
768.98M
est: 397.76M (+93.3%)
|
799.20M
est: 635.61M (+25.7%)
|
884.54M
est: 680.64M (+30.0%)
|
720.20M
693.44M – 757.15M
+5.8% YoY
|
741.23M
692.70M – 789.93M
+2.9% YoY
|
801.65M
760.18M – 848.72M
+8.2% YoY
|
1.45B
1.37B – 1.53B
+80.7% YoY
|
| EBIT |
334.47M
est: 221.02M (+51.3%)
|
462.44M
est: 217.94M (+112.2%)
|
66.59M
est: 285.21M (-76.7%)
|
170.20M
est: 288.65M (-41.0%)
|
89.70M
est: 309.24M (-71.0%)
|
-238.99M
est: 332.17M (-171.9%)
|
236.68M
est: 331.14M (-28.5%)
|
—
est: 348.65M (-100.0%)
|
691.88M
est: 332.99M (+107.8%)
|
738.50M
est: 571.95M (+29.1%)
|
817.28M
est: 612.47M (+33.4%)
|
648.07M
623.99M – 681.32M
+5.8% YoY
|
666.99M
623.32M – 710.81M
+2.9% YoY
|
721.36M
684.04M – 763.71M
+8.2% YoY
|
1.30B
1.24B – 1.38B
+80.7% YoY
|
| Net Income |
309.36M
est: 451.87M (-31.5%)
|
416.40M
est: 524.19M (-20.6%)
|
35.61M
est: 97.24M (-63.4%)
|
112.61M
est: 222.31M (-49.3%)
|
48.90M
est: 79.59M (-38.6%)
|
-293.70M
est: -375.39M (+21.8%)
|
189.50M
est: 180.38M (+5.1%)
|
253.90M
est: -74.18M (+442.3%)
|
712.00M
est: 688.24M (+3.5%)
|
627.20M
est: 791.00M (-20.7%)
|
617.54M
est: 779.78M (-20.8%)
|
804.88M
750.75M – 866.32M
+3.2% YoY
|
922.31M
860.29M – 992.72M
+14.6% YoY
|
1.16B
1.08B – 1.24B
+25.3% YoY
|
1.22B
1.14B – 1.32B
+5.9% YoY
|
| SGA |
322.54M
est: 101.97M (+216.3%)
|
473.50M
est: 100.54M (+370.9%)
|
553.59M
est: 131.58M (+320.7%)
|
580.25M
est: 133.17M (+335.7%)
|
220.60M
est: 142.66M (+54.6%)
|
187.20M
est: 153.24M (+22.2%)
|
131.00M
est: 152.77M (-14.2%)
|
65.80M
est: 160.84M (-59.1%)
|
85.00M
est: 153.62M (-44.7%)
|
101.10M
est: 107.80M (-6.2%)
|
—
est: 115.44M (-100.0%)
|
122.15M
117.61M – 128.42M
+5.8% YoY
|
125.72M
117.49M – 133.98M
+2.9% YoY
|
135.96M
128.93M – 143.95M
+8.2% YoY
|
245.75M
233.04M – 260.18M
+80.7% YoY
|
| EPS |
0.73
est: 1.03 (-28.8%)
|
1.20
est: 1.19 (+0.8%)
|
0.09
est: 0.22 (-57.7%)
|
0.31
est: 0.50 (-38.6%)
|
0.13
est: 0.18 (-28.0%)
|
-0.67
est: -0.85 (+21.4%)
|
0.54
est: 0.41 (+31.9%)
|
0.74
est: -0.17 (+539.5%)
|
2.06
est: 1.56 (+31.9%)
|
1.44
est: 1.70 (-15.3%)
|
1.85
est: 1.68 (+10.4%)
|
1.73
1.61 – 1.86
+3.2% YoY
|
1.98
1.85 – 2.13
+14.6% YoY
|
2.48
2.32 – 2.67
+25.3% YoY
|
2.63
2.45 – 2.83
+5.9% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-22 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-21 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-18 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-15 | A- | 4/5 | 3/5 | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | Invesco International Developed Dynamic Multifactor ETF IMFL | 0.11% | 1.08M | 0.34% |
| 2 | Invesco RAFI Developed Markets ex-U.S. ETF PXF | 0.01% | 347.3K | 0.43% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Hamayou Akbar Hussain | Group Chief Executive Officer & Executive Director | 5M | male |
| Joanne Riddick Musselle | Group Chief Underwriting Officer & Executive Director | 4M | female |
| Paul David Cooper | Group Chief Financial Officer & Executive Director | 3M | male |
| Regine Fiddler | Chief Marketing Officer | — | female |
| Shali Vasudeva | Group Chief Operations & Technology Officer | — | female |
| Todd Isaac | Group Chief Investment & Treasury Officer | — | male |
| Chris Loake | Group Chief Information Officer | — | male |
| Yana O'Sullivan | Director of Investor Relations | — | — |
| Marc Wetherhill | Group General Counsel & Company Secretary | — | male |
| Nicola Grant | Chief People Officer | — | female |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for HCXLF
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
