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Hiscox Ltd (HSX.L)
GBp1,851.00
+1.00 (+0.05%)
BM LSE Financial Services Insurance - Property & Casualty
Address
Chesney House HM 08
Pembroke, BM
Pembroke, BM
CEO
Hamayou Akbar Hussain
Website
hiscoxgroup.com
IPO
2000-01-04
ISIN BMG4593F1389
Also trades on
London Stock Exchange · HSX.L (GBp)
Other OTC · HCXLF (USD)
Other OTC · HCXLY (USD)
Description
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.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
GBp1,851.00
+1.00 (+0.05%)
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Volume Profile
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Liquidity & share structure
Average Volume
1M
Beta
0.40
Float Shares
323.00M
Free Float %
100.7%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -0.91% | -2.83% | +12.98% | +12.98% | +30.52% | +22.91% | +38.70% | +47.97% | +122.07% | +77.83% | +1,290.63% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
1,851.00
DCF (Unlevered)
7,005.14
+278.5%
DCF (Levered)
2,064.07
+11.5%
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.
Ratings Trend (MoM)
86% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 6 | +1 |
| Buy | 6 | 0 |
| Hold | 1 | 0 |
| Sell | 1 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
2.61
Grey zone
Piotroski F-Score
5 / 9
Average
MOAT Score
7 / 10
Strong MOAT
Composite Rating
A-
Overall Score
4 / 5
High
DCF Score
4 / 5
High
ROE Score
4 / 5
High
ROA Score
5 / 5
High
D/E Score
3 / 5
Medium
P/E Score
3 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
✗ Below peers
-
Revenue growth Insurance - Property & Casualty: +14.1%+44.0% ★ Q4'25: +48.8% (vs Q4'23)
-
EPS growth Insurance - Property & Casualty: +27.5%+1.1% Q4'25: -15.4% (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%+16.9% ★ Q4'25: +42.0% (vs Q4'23)
-
Share dilution Insurance - Property & Casualty: +0.4%-2.5% ★ Q4'25: -2.5% (vs Q4'23)
-
Debt / EBITDA Net debt/EBITDA · Insurance - Property & Casualty: -0.10×1.02× Q4'25: 0.39× (vs Q4'23)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* 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.
Consensus Estimates
| Metric |
Dec 2000 actual |
Dec 2001 actual |
Dec 2003 actual |
Dec 2004 actual |
Dec 2005 actual |
Dec 2006 actual |
Dec 2007 actual |
Dec 2008 actual |
Dec 2009 actual |
Dec 2010 actual |
Dec 2011 actual |
Dec 2012 actual |
Dec 2013 actual |
Dec 2014 actual |
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. 8 EPS Ana. |
Dec 2027 5 Rev. Ana. 8 EPS Ana. |
Dec 2028 1 Rev. Ana. 7 EPS Ana. |
Dec 2029 2 Rev. Ana. 6 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
519.69M
est.
|
504.82M
est.
|
1.22B
est.
|
1.63B
est.
|
1.39B
est: 1.29B (+8.0%)
|
1.90B
est: 1.65B (+15.2%)
|
2.17B
est: 2.20B (-1.7%)
|
1.47B
est: 1.44B (+2.2%)
|
2.06B
est: 2.05B (+0.6%)
|
1.95B
est: 2.18B (-10.4%)
|
1.85B
est: 2.10B (-12.0%)
|
2.07B
est: 2.40B (-13.4%)
|
2.23B
est: 2.72B (-17.9%)
|
2.17B
est: 2.54B (-14.4%)
|
2.22B
est: 1.94B (+14.6%)
|
2.20B
est: 2.28B (-3.7%)
|
2.67B
est: 2.73B (-2.0%)
|
2.87B
est: 2.93B (-2.1%)
|
3.18B
est: 3.02B (+5.5%)
|
3.25B
est: 3.14B (+3.4%)
|
3.29B
est: 3.17B (+3.8%)
|
2.98B
est: 3.73B (-20.2%)
|
3.70B
est: 3.38B (+9.3%)
|
3.81B
est: 4.65B (-18.1%)
|
5.48B
est: 4.97B (+10.3%)
|
5.25B
5.06B – 5.52B
+5.6% YoY
|
5.40B
5.05B – 5.76B
+2.9% YoY
|
5.84B
5.54B – 6.19B
+8.2% YoY
|
9.74B
9.23B – 10.31B
+66.6% YoY
|
| EBITDA |
56.53M
est.
|
35.84M
est.
|
86.31M
est.
|
279.79M
est.
|
126.48M
est: 165.44M (-23.6%)
|
419.98M
est: 164.49M (+155.3%)
|
496.37M
est: 479.90M (+3.4%)
|
169.38M
est: 342.49M (-50.5%)
|
536.77M
est: 563.43M (-4.7%)
|
352.70M
est: 533.97M (-33.9%)
|
49.79M
est: 299.95M (-83.4%)
|
377.44M
est: 34.51M (+993.7%)
|
430.99M
est: 387.86M (+11.1%)
|
389.66M
est: 371.84M (+4.8%)
|
368.15M
est: 326.22M (+12.9%)
|
497.19M
est: 344.75M (+44.2%)
|
99.07M
est: 650.12M (-84.8%)
|
205.23M
est: 67.43M (+204.4%)
|
134.30M
est: 180.56M (-25.6%)
|
-167.70M
est: 100.16M (-267.4%)
|
248.20M
est: 108.16M (+129.5%)
|
335.60M
est: 115.27M (+191.1%)
|
730.00M
est: 121.94M (+498.7%)
|
799.20M
est: 702.68M (+13.7%)
|
883.45M
est: 752.42M (+17.4%)
|
794.50M
764.98M – 835.26M
+5.6% YoY
|
817.70M
764.16M – 871.42M
+2.9% YoY
|
884.35M
838.60M – 936.28M
+8.2% YoY
|
1.47B
1.40B – 1.56B
+66.6% YoY
|
| EBIT |
46.95M
est.
|
12.82M
est.
|
30.87M
est.
|
219.00M
est.
|
126.57M
est: 160.63M (-21.2%)
|
412.35M
est: 171.18M (+140.9%)
|
486.62M
est: 516.41M (-5.8%)
|
161.58M
est: 334.80M (-51.7%)
|
527.00M
est: 856.3K (+61,445.4%)
|
341.80M
est: 541.21M (-36.8%)
|
37.21M
est: 319.45M (-88.4%)
|
365.31M
est: 43.39M (+741.9%)
|
415.08M
est: 406.22M (+2.2%)
|
369.65M
est: 357.72M (+3.3%)
|
334.47M
est: 309.03M (+8.2%)
|
462.44M
est: 311.93M (+48.3%)
|
66.59M
est: 602.28M (-88.9%)
|
170.20M
est: 39.59M (+329.9%)
|
89.70M
est: 145.06M (-38.2%)
|
-224.50M
est: 54.44M (-512.4%)
|
190.80M
est: 58.79M (+224.6%)
|
275.60M
est: 62.65M (+339.9%)
|
625.90M
est: 66.27M (+844.4%)
|
738.50M
est: 621.94M (+18.7%)
|
816.27M
est: 665.96M (+22.6%)
|
703.21M
677.08M – 739.29M
+5.6% YoY
|
723.74M
676.36M – 771.30M
+2.9% YoY
|
782.74M
742.25M – 828.70M
+8.2% YoY
|
1.30B
1.24B – 1.38B
+66.6% YoY
|
| Net Income |
27.78M
est.
|
7.97M
est.
|
19.18M
est.
|
132.58M
est.
|
83.68M
est: 78.86M (+6.1%)
|
321.01M
est: 113.60M (+182.6%)
|
379.27M
est: 402.07M (-5.7%)
|
103.69M
est: 270.24M (-61.6%)
|
453.56M
est: 185.24M (+144.9%)
|
275.96M
est: 465.97M (-40.8%)
|
33.03M
est: 257.67M (-87.2%)
|
335.76M
est: 38.84M (+764.5%)
|
392.06M
est: 373.23M (+5.0%)
|
336.43M
est: 347.80M (-3.3%)
|
310.96M
est: 289.07M (+7.6%)
|
415.78M
est: 302.97M (+37.2%)
|
33.90M
est: 572.46M (-94.1%)
|
117.90M
est: 33.82M (+248.6%)
|
48.90M
est: 126.13M (-61.2%)
|
-293.70M
est: 50.13M (-685.9%)
|
189.50M
est: 54.14M (+250.0%)
|
253.90M
est: 57.69M (+340.1%)
|
712.00M
est: 61.03M (+1,066.6%)
|
627.20M
est: 559.24M (+12.2%)
|
616.77M
est: 578.10M (+6.7%)
|
595.57M
497.22M – 714.72M
+3.0% YoY
|
682.47M
609.57M – 728.82M
+14.6% YoY
|
855.19M
797.68M – 920.47M
+25.3% YoY
|
905.11M
844.25M – 974.20M
+5.8% YoY
|
| SGA |
19.66M
est.
|
19.10M
est.
|
45.98M
est.
|
61.71M
est.
|
70.89M
est: 48.66M (+45.7%)
|
149.94M
est: 563.39M (-73.4%)
|
152.33M
est: 741.90M (-79.5%)
|
121.84M
est: 482.42M (-74.7%)
|
182.12M
est: 879.25M (-79.3%)
|
18.31M
est: 613.35M (-97.0%)
|
30.98M
est: 543.43M (-94.3%)
|
42.42M
est: 684.95M (-93.8%)
|
458.71M
est: 740.46M (-38.1%)
|
484.46M
est: 510.33M (-5.1%)
|
528.80M
est: 671.11M (-21.2%)
|
499.10M
est: 812.83M (-38.6%)
|
527.02M
est: 1.33B (-60.5%)
|
200.40M
est: 1.11B (-82.0%)
|
220.60M
est: 1.52B (-85.5%)
|
127.80M
est: 1.51B (-91.5%)
|
140.50M
est: 1.63B (-91.4%)
|
171.30M
est: 1.74B (-90.2%)
|
85.00M
est: 1.84B (-95.4%)
|
101.10M
est: 2.02B (-95.0%)
|
—
est: 149.01M (-100.0%)
|
157.34M
151.50M – 165.42M
+5.6% YoY
|
161.94M
151.34M – 172.58M
+2.9% YoY
|
175.14M
166.08M – 185.42M
+8.2% YoY
|
291.82M
276.73M – 308.96M
+66.6% YoY
|
| EPS |
0.08
est.
|
-0.34
est.
|
0.87
est.
|
0.98
est.
|
0.39
est: 0.67 (-42.1%)
|
1.17
est: 1.74 (-32.7%)
|
1.38
est: 2.37 (-41.7%)
|
0.39
est: 0.72 (-46.1%)
|
1.74
est: 2.27 (-23.4%)
|
1.05
est: 1.54 (-31.8%)
|
0.12
est: -0.09 (+229.8%)
|
1.23
est: 1.61 (-23.4%)
|
1.40
est: 2.24 (-37.6%)
|
1.19
est: 1.89 (-36.9%)
|
1.08
est: 1.03 (+4.9%)
|
1.48
est: 1.18 (+25.2%)
|
0.13
est: 0.22 (-40.7%)
|
0.45
est: 0.53 (-15.5%)
|
0.17
est: 0.17 (-2.8%)
|
-0.92
est: -0.85 (-8.5%)
|
0.55
est: 0.41 (+34.6%)
|
0.74
est: -0.17 (+532.4%)
|
2.02
est: 1.55 (+30.2%)
|
1.77
est: 1.70 (+4.1%)
|
1.84
est: 1.67 (+9.9%)
|
1.72
1.44 – 2.07
+3.0% YoY
|
1.98
1.77 – 2.11
+14.6% YoY
|
2.48
2.31 – 2.67
+25.3% YoY
|
2.62
2.45 – 2.82
+5.8% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-28 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-27 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-26 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 |
| 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 |
| 2026-05-20 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-19 | 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 | 4/5 | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-14 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-13 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-12 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-11 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-08 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-07 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-06 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-05 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-01 | A- | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-30 | A- | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-29 | A- | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-28 | A- | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-27 | A- | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-24 | A- | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-23 | A- | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-22 | A- | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-21 | A- | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-20 | A- | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-17 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-16 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-15 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 2/5 | 3/5 | 2/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
244.12M
OE per share TTM
0.69
Owner's Yield
4.20%
Maintenance CapEx ratio
8.49%
Maint CapEx / Avg PPE
3.2%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
266.3K
Shares Outstanding
320.78M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
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 | 3M | male |
| Joanne Riddick Musselle | Group Chief Underwriting Officer & Executive Director | 3M | female |
| Paul David Cooper | Group Chief Financial Officer & Executive Director | 2M | 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 |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for HSX.L
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.
