OTC · Financial Statements

Hiscox Ltd (HCXLY) Financial Statements

$49.95 OTC: HCXLY Market Cap $8.01B

Hiscox Ltd most recently reported annual revenue of $5.4B, net profit of $606.0M. Revenue grew at an average annual rate of 12.8% over the last 5 fiscal years. See the full income statement, balance sheet, and cash flow statement below, plus valuation and return ratios.

Hiscox Ltd: Revenue rose from $2.2B in 2016 to $5.4B in 2025, a change of +144.9% over 9 years; net profit was positive in 9 of 10 reported years; operating margin moved from 21.0% to 13.6%, a shift of -7.4 percentage points; the most recent year shows net profit of $606.0M.

Income Statement — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Revenue$2.2B$2.8B$2.9B$3.2B$3.0B$3.1B$3.0B$3.7B$5.1B$5.4B
Operating Expenses$1.7B$2.7B$2.7B$3.1B$3.2B$2.8B$66.0M$85.0M$4.3B$4.6B
Operating Profit$462.0M$134.0M$184.0M$83.0M$-206.0M$242.0M$2.9B$3.6B$749.0M$734.0M
Operating Margin21.0%4.8%6.4%2.6%-7.0%7.8%97.8%97.7%14.7%13.6%
Other Income$-25.0M$-110.0M$-34.0M$-29.0M$-62.0M$-51.0M$-2.6B$-3.0B$-64.0M$0
Interest$25.0M$28.0M$35.0M$37.0M$44.0M$51.0M$40.0M$50.0M$53.0M$67.0M
Depreciation$35.0M$26.0M$33.0M$43.0M$53.0M$58.0M$60.0M$77.0M$61.0M$66.0M
Profit Before Tax$437.0M$40.0M$136.0M$53.0M$-268.0M$191.0M$276.0M$626.0M$685.0M$734.0M
Tax$5.0M$15.3M$13.1M$7.9M$-9.4M$680,000$7.9M$-13.8M$8.5M$17.6M
Net Profit$416.0M$34.0M$118.0M$49.0M$-294.0M$190.0M$254.0M$712.0M$627.0M$606.0M
EPS$2.86$0.24$0.88$0.34$-1.84$1.10$1.46$4.02$3.56$3.52
Dividend Payout0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%

Quarterly Results — Last 12 Quarters (USD millions)

8 duplicate period labels in the source data were collapsed.

MetricJun '20Dec '20Jun '21Dec '21Jun '22Dec '22Jun '23Dec '23Jun '24Dec '24Jun '25Dec '25
Revenue$1.4B$1.6B$1.5B$1.5B$1.4B$1.6B$1.6B$2.1B$2.3B$2.8B$1.8B$3.0B
Operating Expenses$1.5B$1.7B$1.4B$1.4B$0$66.0M$1.3B$1.7B$1.9B$2.4B$55.0M$2.6B
Operating Profit$-102.0M$-108.0M$143.0M$92.0M$1.4B$1.6B$305.0M$397.0M$323.0M$422.0M$1.8B$454.0M
Operating Margin-7.1%-6.9%9.5%6.1%100.0%96.0%18.6%19.3%14.4%15.0%97.0%15.0%
Interest$0$0$26.0M$25.0M$18.0M$21.0M$24.0M$26.0M$25.0M$27.0M$29.0M$37.0M
Profit Before Tax$-139.0M$-130.0M$133.0M$57.0M$42.0M$250.0M$265.0M$361.0M$284.0M$398.0M$277.0M$454.0M
Tax$-8.3M$-10.5M$10.8M$-22.8M$19.6M$11.9M$5.5M$-27.9M$8.7M$8.4M$17.9M$17.3M
Net Profit$-150.0M$-143.0M$119.0M$71.0M$34.0M$220.0M$250.0M$462.0M$129.0M$365.0M$227.0M$376.0M
EPS$-1.00$-0.84$0.68$0.40$0.19$1.24$1.40$2.60$1.46$2.08$1.32$2.18

Over the 10 years reported for Hiscox Ltd, borrowings increased from $340.0M in 2016 to $832.0M in 2025, cash stood at $878.0M in the latest year, shareholders' equity was $37.0M, current assets covered current liabilities 0.44 times.

Balance Sheet — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Total Assets$8.2B$9.7B$10.8B$12.6B$13.9B$13.8B$10.4B$11.1B$11.2B$12.2B
Current Assets$908.0M$926.0M$1.3B$1.2B$1.6B$1.4B$1.4B$1.5B$5.0B$3.1B
Cash$851.0M$876.0M$1.3B$1.1B$1.6B$1.3B$1.4B$1.4B$1.2B$878.0M
Inventory$0$0$0$0$0$0$0$0$0$0
Receivables$0$0$0$0$0$246.0M$270.0M$207.0M$249.0M$2.2B
Fixed Assets$60.0M$66.0M$61.0M$128.0M$109.0M$90.0M$133.0M$130.0M$126.0M$109.0M
Capital Work in Progress$0$0$0$0$0$0$0$0$0$0
Investments$4.7B$5.2B$5.1B$5.6B$6.2B$6.1B$5.9B$6.6B$7.1B$8.4B
Other Assets$9.0M$9.0M$8.0M$8.0M$9.0M$8.0M$8.0M$8.0M$8.0M$50.0M
Total Liabilities$6.0B$7.4B$8.5B$10.4B$11.5B$11.3B$7.7B$7.8B$7.6B$8.2B
Current Liabilities$513.0M$682.0M$1.1B$1.4B$1.3B$1.6B$386.0M$372.0M$356.0M$6.9B
Borrowings$340.0M$391.0M$699.0M$728.0M$1.0B$793.0M$716.0M$754.0M$743.0M$832.0M
Other Liabilities$5.6B$7.0B$7.8B$9.6B$10.5B$10.5B$7.0B$7.0B$6.8B$7.4B
Equity$24.0M$26.0M$34.0M$34.0M$39.0M$39.0M$39.0M$39.0M$38.0M$37.0M
Reserves$2.2B$2.4B$2.3B$2.2B$2.4B$2.5B$2.6B$3.3B$3.7B$3.9B

For Hiscox Ltd, operating cash flow was positive in 9 of 10 reported years; free cash flow in the latest year was $72.0M; free cash flow was positive in 7 of 10 years; financing activities used $341.0M in the latest year, which covers debt repayment, dividends and buybacks.

Cash Flow Statement — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Operating Cash Flow$70.0M$95.0M$300.0M$40.0M$-117.0M$17.0M$373.0M$232.0M$114.0M$73.0M
Investing Cash Flow$-45.0M$-6.0M$-171.0M$-195.0M$-124.0M$-95.0M$-226.0M$-78.0M$-78.0M$-115.0M
Financing Cash Flow$-46.0M$2.0M$-76.0M$-15.0M$-38.0M$-11.0M$-14.0M$-14.0M$-161.0M$-341.0M
Net Cash Flow$-78.0M$-30.0M$421.0M$-173.0M$461.0M$-276.0M$50.0M$86.0M$-210.0M$-349.0M
Free Cash Flow$63.0M$86.0M$241.0M$-58.0M$-189.0M$-42.0M$291.0M$188.0M$75.0M$72.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.14
EV / EBITDA15.88
FCF Yield0.84%
Quick Ratio0.44
Interest Coverage33.50
Return 1Y—
Return 3Y—
Return 5Y—

Hiscox Ltd (HCXLY) financials — frequently asked questions

What is Hiscox Ltd's annual revenue?

Hiscox Ltd (HCXLY) reported annual revenue of $5.4B in its most recent fiscal year.

What is Hiscox Ltd's net profit?

Hiscox Ltd (HCXLY) reported net profit of $606.0M in its most recent fiscal year.

What is HCXLY EV/EBITDA?

Hiscox Ltd's enterprise value to EBITDA (EV/EBITDA) ratio is 15.88.

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