HCXLY

Hiscox Ltd

USD

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Price alert · HCXLY

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51.50 USD +4.10 +8.65%
As of Oct 30, 2026
50.50 Day range 50.50
36.78 52-week range 53.59
YTD
+29.56%
1 year
+29.56%
Open
50.50
Prev close
47.40
Mkt cap
8.12B
Vol
327
Avg vol
2.64K
EPS
4.12
P/E
12.50
More statistics
Low
50.50
High
50.50

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Financial health

Altman Z-Score

2.05 Grey zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 3
  • Return on Equity 4
  • Return on Assets 5
  • Debt / Equity 4
  • P/E 2
  • P/B 2

Valuation

P/E 9.7×
FY 2016: 8.4×FY 2017: 96.0×FY 2018: 27.7×FY 2019: 73.4×FY 2020: -13.6×FY 2021: 22.7×FY 2022: 17.9×FY 2023: 6.6×FY 2024: 7.5×FY 2025: 9.7×
FY 2016 5y median 9.7× FY 2025
P/S 1.1×
FY 2016: 1.6×FY 2017: 1.3×FY 2018: 1.2×FY 2019: 1.1×FY 2020: 1.4×FY 2021: 1.4×FY 2022: 1.6×FY 2023: 1.3×FY 2024: 0.9×FY 2025: 1.1×
FY 2016 5y median 1.3× FY 2025
P/B 1.5×
FY 2016: 1.6×FY 2017: 1.5×FY 2018: 1.5×FY 2019: 1.6×FY 2020: 1.7×FY 2021: 1.7×FY 2022: 1.8×FY 2023: 1.4×FY 2024: 1.3×FY 2025: 1.5×
FY 2016 5y median 1.5× FY 2025
P/FCF 81.9×
FY 2016: 55.7×FY 2017: 40.8×FY 2018: 14.7×FY 2019: -62.2×FY 2020: -21.2×FY 2021: -101×FY 2022: 15.9×FY 2023: 25.0×FY 2024: 62.5×FY 2025: 81.9×
FY 2016 5y median 25.0× FY 2025
EV/EBITDA 6.7×
FY 2016: 5.5×FY 2017: 32.9×FY 2018: 14.5×FY 2019: 24.1×FY 2020: -20.5×FY 2021: 12.6×FY 2022: 66.5×FY 2023: 5.3×FY 2024: 5.3×FY 2025: 6.7×
FY 2016 5y median 6.7× FY 2025
EV/Sales 1.1×
FY 2016: 1.4×FY 2017: 1.1×FY 2018: 1.0×FY 2019: 1.0×FY 2020: 1.2×FY 2021: 1.2×FY 2022: 1.3×FY 2023: 1.1×FY 2024: 0.8×FY 2025: 1.1×
FY 2016 5y median 1.1× FY 2025
FCF Yield 1.2%
FY 2016: 1.8%FY 2017: 2.4%FY 2018: 6.8%FY 2019: -1.6%FY 2020: -4.7%FY 2021: -1.0%FY 2022: 6.3%FY 2023: 4.0%FY 2024: 1.6%FY 2025: 1.2%
FY 2016 5y median 1.6% FY 2025

Profitability

Gross Margin 100.0%
FY 2016: 115.6%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 100.0%FY 2020: 101.7%FY 2021: 73.4%FY 2022: 100.0%FY 2023: 100.0%FY 2024: 72.1%FY 2025: 100.0%
FY 2016 5y median 100.0% FY 2025
Operating Margin 13.6%
FY 2016: 21.0%FY 2017: 4.8%FY 2018: 6.4%FY 2019: 2.6%FY 2020: -7.0%FY 2021: 7.8%FY 2022: 97.8%FY 2023: 97.7%FY 2024: 14.7%FY 2025: 13.6%
FY 2016 5y median 14.7% FY 2025
Net Margin 11.2%
FY 2016: 18.9%FY 2017: 1.2%FY 2018: 4.1%FY 2019: 1.5%FY 2020: -10.0%FY 2021: 6.1%FY 2022: 8.5%FY 2023: 19.2%FY 2024: 12.3%FY 2025: 11.2%
FY 2016 5y median 11.2% FY 2025
ROE 15.3%
FY 2016: 18.5%FY 2017: 1.4%FY 2018: 5.1%FY 2019: 2.2%FY 2020: -12.5%FY 2021: 7.5%FY 2022: 9.6%FY 2023: 21.6%FY 2024: 17.0%FY 2025: 15.3%
FY 2016 5y median 15.3% FY 2025
ROIC 11.4%
FY 2016: 8.2%FY 2017: 2.0%FY 2018: 2.8%FY 2019: 1.3%FY 2020: -3.0%FY 2021: 3.8%FY 2022: 36.8%FY 2023: 32.8%FY 2024: 6.3%FY 2025: 11.4%
FY 2016 5y median 11.4% FY 2025
ROA 5.0%
FY 2016: 5.1%FY 2017: 0.3%FY 2018: 1.1%FY 2019: 0.4%FY 2020: -2.1%FY 2021: 1.4%FY 2022: 2.5%FY 2023: 6.4%FY 2024: 5.6%FY 2025: 5.0%
FY 2016 5y median 5.0% FY 2025

Growth (YoY)

Revenue 5.6%
FY 2016: 0.2%FY 2017: 27.5%FY 2018: 2.4%FY 2019: 11.0%FY 2020: -7.3%FY 2021: 4.5%FY 2022: -3.5%FY 2023: 24.4%FY 2024: 37.8%FY 2025: 5.6%
FY 2016 FY 2025
Operating Income -2.0%
FY 2016: 51.9%FY 2017: -70.9%FY 2018: 36.8%FY 2019: -55.0%FY 2020: -349.8%FY 2021: 217.1%FY 2022: 1104.2%FY 2023: 24.2%FY 2024: -79.3%FY 2025: -2.0%
FY 2016 FY 2025
EPS (diluted) -1.1%
FY 2016: 37.5%FY 2017: -91.6%FY 2018: 266.7%FY 2019: -61.4%FY 2020: -641.2%FY 2021: 159.8%FY 2022: 32.7%FY 2023: 175.3%FY 2024: -11.4%FY 2025: -1.1%
FY 2016 FY 2025
Free Cash Flow -4.8%
FY 2016: 99.7%FY 2017: 36.8%FY 2018: 179.5%FY 2019: -124.0%FY 2020: -226.3%FY 2021: 77.6%FY 2022: 787.0%FY 2023: -35.2%FY 2024: -60.0%FY 2025: -4.8%
FY 2016 FY 2025

Financial Health

Current Ratio 0.4×
FY 2016: 1.8×FY 2017: 1.4×FY 2018: 1.2×FY 2019: 0.8×FY 2020: 1.2×FY 2021: 0.8×FY 2022: 3.5×FY 2023: 4.0×FY 2024: 14.0×FY 2025: 0.4×
FY 2016 5y median 3.5× FY 2025
Quick Ratio 0.4×
FY 2016: 1.8×FY 2017: 1.4×FY 2018: 1.2×FY 2019: 0.8×FY 2020: 1.2×FY 2021: 0.8×FY 2022: 3.5×FY 2023: 4.0×FY 2024: 14.0×FY 2025: 0.4×
FY 2016 5y median 3.5× FY 2025
Debt / Equity 0.2×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.4×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Net Debt / EBITDA -0.1×
FY 2016: -0.9×FY 2017: -5.3×FY 2018: -2.9×FY 2019: -2.9×FY 2020: 3.4×FY 2021: -1.7×FY 2022: -10.6×FY 2023: -0.9×FY 2024: -0.6×FY 2025: -0.1×
FY 2016 5y median -0.9× FY 2025
Interest Coverage 11.0×
FY 2016: 18.5×FY 2017: 4.8×FY 2018: 5.3×FY 2019: 2.3×FY 2020: -4.7×FY 2021: 4.8×FY 2022: 73.3×FY 2023: 72.3×FY 2024: 14.1×FY 2025: 11.0×
FY 2016 5y median 14.1× FY 2025

Dividends

Dividend Yield 2.5%
FY 2016: 4.0%FY 2017: 2.8%FY 2018: 3.0%FY 2019: 3.1%FY 2020: 0.0%FY 2021: 0.9%FY 2022: 2.6%FY 2023: 2.6%FY 2024: 2.7%FY 2025: 2.5%
FY 2016 5y median 2.6% FY 2025
Payout Ratio 24.1%
FY 2016: 33.4%FY 2017: 288.9%FY 2018: 89.7%FY 2019: 228.2%FY 2020: 0.0%FY 2021: 20.7%FY 2022: 47.2%FY 2023: 17.5%FY 2024: 20.2%FY 2025: 24.1%
FY 2016 5y median 20.7% FY 2025

Annual · latest fiscal year ends 2025-12-31