Hiscox Ltd (HCXLY) Stock

About Hiscox Ltd

Hiscox Ltd operates as a global provider of insurance and reinsurance solutions, serving clients across the United Kingdom, Europe, the United States, and other international territories. Its operations are structured into four primary segments: Hiscox Retail, Hiscox London Market, Hiscox Re & ILS, and Corporate Centre. The company's portfolio includes commercial coverage tailored for small and medium-sized enterprises, alongside personal lines protection for high-value possessions such as prestigious homes, fine art, luxury vehicles, and classic cars. These products are distributed via multiple channels, including independent brokers, collaborative partners, and direct-to-consumer sales, leveraging both conventional and digital platforms. Additionally, Hiscox underwrites a comprehensive array of specialized policies, spanning property, marine and energy, aviation, and general casualty. Its unique offerings extend to specific specialty lines like kidnap and ransom, contingency, terrorism, personal accident, and product recall insurance. Beyond underwriting, the firm also provides healthcare and casualty reinsurance services, coupled with investment management expertise. Founded in 1901, Hiscox Ltd maintains its headquarters in Pembroke, Bermuda.

Hiscox Ltd is headquartered in BM.

Hiscox Ltd (HCXLY) stock trades at $49.95 with a market capitalization of $8.01B. The stock is valued at a price-to-earnings (P/E) ratio of 13.75, price-to-book of 2.11, price-to-sales of 1.64. Over the past 52 weeks the stock has ranged between $36.78 and $53.42, and currently trades 6.5% below its 52-week high. It pays a dividend yielding 2.86%.

On profitability, Hiscox Ltd generates a return on equity (ROE) of 15.63%, above the typical market range of roughly 12-15%, return on capital employed of 18.40%, an operating margin of 45.76%, a net profit margin of 12.36%.

Official website: www.hiscoxgroup.com

Hiscox Ltd by the numbers, 2016–2025

Between 2016 and 2025 Hiscox Ltd reported revenue of $2.2B rising to $5.4B, a change of +144.9% across 10 years. Compounded, revenue has grown 12.8% a year over five years, 21.9% over three, 5.6% over the last twelve months. Net profit rose to $606.0M.

Operating margin went from 21.0% in 2016 to 13.6% in 2025, a fall of 7.4 percentage points. The most recent net margin is 12.36%. On a trailing twelve-month basis to Dec '25, revenue is $9.9B and net profit $1.1B.

Borrowings rose from $340.0M to $832.0M, cash on hand is $878.0M, cash from operations was $73.0M in the latest year, positive in 9 of the last 10.

Return on equity has averaged 14.2% over five years, and was 15.3% in the most recent year.

The share price itself has compounded at —% a year over five years, —% over three, —% over the last year. Past price movement is history, not a forecast.

Figures are as reported and in the company's own reporting currency. They describe what has already happened and carry no implication about what follows.

Hiscox Ltd (HCXLY) — frequently asked questions