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 11.80% and Operating profit at 14.28%
- 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 11.80% and Operating profit at 14.28%
3
Flat results in Jun 25
- DEBT-EQUITY RATIO (HY) Highest at -11.99 %
- OPERATING PROFIT(Q) Lowest at GBP 239.22 MM
- OPERATING PROFIT MARGIN(Q) Lowest at 13.36 %
4
With ROE of 16.58%, it has a fair valuation with a 1.69 Price to Book Value
- Over the past year, while the stock has generated a return of 23.41%, its profits have fallen by -19.7%
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, Medium Return
Absolute
Risk Adjusted
Volatility
Hiscox Ltd.
23.41%
0.67
25.70%
FTSE 100
15.94%
1.23
12.99%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
11.80%
EBIT Growth (5y)
14.28%
EBIT to Interest (avg)
0.03
Debt to EBITDA (avg)
11.90
Net Debt to Equity (avg)
0.18
Sales to Capital Employed (avg)
1.11
Tax Ratio
8.50%
Dividend Payout Ratio
22.82%
Pledged Shares
0
Institutional Holding
0.02%
ROCE (avg)
0.65%
ROE (avg)
10.57%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
1.69
EV to EBIT
NA
EV to EBITDA
97.43
EV to Capital Employed
1.79
EV to Sales
1.09
PEG Ratio
NA
Dividend Yield
1.77%
ROCE (Latest)
ROE (Latest)
16.58%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
No Trend
OBV
Mildly Bearish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend5What is working for the Company
OPERATING CASH FLOW(Y)
Highest at GBP 334.23 MM
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
DIVIDEND PER SHARE(HY)
Highest at GBP 0
-6What is not working for the Company
DEBT-EQUITY RATIO
(HY)
Highest at -11.99 %
OPERATING PROFIT(Q)
Lowest at GBP 239.22 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 13.36 %
PRE-TAX PROFIT(Q)
Lowest at GBP 213.31 MM
NET PROFIT(Q)
Lowest at GBP 175.14 MM
EPS(Q)
Lowest at GBP 0.5
Here's what is working for Hiscox Ltd.
Operating Cash Flow
Highest at GBP 334.23 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (GBP MM)
Dividend per share
Highest at GBP 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (GBP)
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.
Operating Profit
Lowest at GBP 239.22 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (GBP MM)
Operating Profit Margin
Lowest at 13.36 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at GBP 213.31 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (GBP MM)
Net Profit
Lowest at GBP 175.14 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (GBP MM)
EPS
Lowest at GBP 0.5
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (GBP)
Debt-Equity Ratio
Highest at -11.99 %
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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