ScoreWhy is Hiscox Ltd. ?
1
Weak Long Term Fundamental Strength with an average Return on Equity (ROE) of 10.57%
- Poor long term growth as Net Sales has grown by an annual rate of 12.07% and Operating profit at 19.64%
- The company has been able to generate a Return on Equity (avg) of 10.57% signifying low profitability per unit of shareholders funds
2
Poor long term growth as Net Sales has grown by an annual rate of 12.07% and Operating profit at 19.64%
3
Positive results in Dec 25
- DIVIDEND PER SHARE(HY) Highest at GBP 0
- RAW MATERIAL COST(Y) Fallen by 0% (YoY)
- NET SALES(Q) Highest at GBP 2,276.21 MM
4
With ROE of 15.56%, it has a fair valuation with a 1.95 Price to Book Value
- Over the past year, while the stock has generated a return of 41.05%, its profits have fallen by -6.8%
5
Market Beating performance in long term as well as near term
- Along with generating 41.05% returns in the last 1 year, the stock has outperformed FTSE 100 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Hiscox Ltd. should be less than 10%
- Overall Portfolio exposure to Insurance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Insurance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Hiscox Ltd. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Hiscox Ltd.
41.05%
2.23
25.89%
FTSE 100
17.87%
1.52
11.77%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
12.07%
EBIT Growth (5y)
19.64%
EBIT to Interest (avg)
0.03
Debt to EBITDA (avg)
11.90
Net Debt to Equity (avg)
0.18
Sales to Capital Employed (avg)
1.16
Tax Ratio
8.50%
Dividend Payout Ratio
27.30%
Pledged Shares
0
Institutional Holding
0.02%
ROCE (avg)
0.65%
ROE (avg)
10.57%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
1.95
EV to EBIT
NA
EV to EBITDA
114.33
EV to Capital Employed
1.96
EV to Sales
1.40
PEG Ratio
NA
Dividend Yield
1.09%
ROCE (Latest)
ROE (Latest)
15.56%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
DIVIDEND PER SHARE(HY)
Highest at GBP 0
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
NET SALES(Q)
Highest at GBP 2,276.21 MM
OPERATING PROFIT(Q)
Highest at GBP 360.16 MM
OPERATING PROFIT MARGIN(Q)
Highest at 15.82 %
PRE-TAX PROFIT(Q)
Highest at GBP 340.67 MM
-8What is not working for the Company
ROCE(HY)
Lowest at 15.53%
INTEREST COVERAGE RATIO(Q)
Lowest at 90.43
DEBT-EQUITY RATIO
(HY)
Highest at 0.43 %
INTEREST(Q)
Highest at GBP 28.08 MM
Here's what is working for Hiscox Ltd.
Dividend per share
Highest at GBP 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (GBP)
Net Sales
Highest at GBP 2,276.21 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (GBP MM)
Operating Profit
Highest at GBP 360.16 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (GBP MM)
Operating Profit Margin
Highest at 15.82 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at GBP 340.67 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (GBP MM)
Raw Material Cost
Fallen by 0% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Here's what is not working for Hiscox Ltd.
Interest Coverage Ratio
Lowest at 90.43
in the last five periodsMOJO Watch
The company's ability to manage interest payments is deteriorating
Operating Profit to Interest
Interest
Highest at GBP 28.08 MM
in the last five periods and Increased by 24.69% (QoQ)MOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (GBP MM)
Debt-Equity Ratio
Highest at 0.43 %
in the last five Semi-Annual periodsMOJO Watch
The company is borrowing more to fund its operations; it's liquidity situation may be stressed
Debt-Equity Ratio
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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