Hiscox Ltd
LSE:HSX

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Hiscox Ltd Logo
Hiscox Ltd
LSE:HSX
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Price: 1 042 GBX -1.7% Market Closed
Market Cap: 3.5B GBX
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Intrinsic Value

The intrinsic value of one HSX stock under the Base Case scenario is 2 217.7 GBX. Compared to the current market price of 1 042 GBX, Hiscox Ltd is Undervalued by 53%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

HSX Intrinsic Value
2 217.7 GBX
Undervaluation 53%
Intrinsic Value
Price
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Base Case
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Hiscox Ltd

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Financials
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TTM
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TTM

Balance Sheet Decomposition
Hiscox Ltd

Cash & Short-Term Investments 1.4B
PP&E 122.3m
Long-Term Investments 6.7B
Other Assets 3.2B
Insurance Policy Liabilities 6.8B
Long Term Debt 661.9m
Other Liabilities 501.2m
Earnings Calls

In a narrative of steadfast performance, the company reported an uplifting retail growth of 5.5% and is maintaining full-year guidance in line with that trend. Europe showcases robust double-digit increase, particularly a 11.1% year-to-date upsurge, while the U.S. market is gathering momentum, with DPD growth escalating from 6.8% in Q1 to 9.2% in Q3. Exciting initiatives in U.S. broker business contribute to healthy signs of growth, despite challenges in the cyber sector. The U.K. market's rebranding efforts and broker platform are indicating fruitful outcomes although real growth impacts will emerge later. The company sees an optimistic 5% to 15% growth range, excluding certain factors. Recovery in U.S. partnerships, though modest, and a robust pipeline signal continued growth. Additionally, with Re & ILS rates increasing over 30% and surplus capital healthy around 200%, the financial position remains strong. Investors can bank on a stable trajectory with a strategy firmly hinged on disciplined capital deployment and sustained profitable growth.

What is Earnings Call?

Wall St
Price Targets

HSX Price Targets Summary
Hiscox Ltd

Wall Street analysts forecast HSX stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for HSX is 1 334.51 GBX with a low forecast of 1 161.5 GBX and a high forecast of 1 585 GBX.

Lowest
Price Target
1 161.5 GBX
11% Upside
Average
Price Target
1 334.51 GBX
28% Upside
Highest
Price Target
1 585 GBX
52% Upside
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Dividends

Dividend Yield
Lowest
Average
Highest
Dividend Per Share
N/A
Growth 3Y
Growth 5Y
Growth 10Y
Dividend Safety Score
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Unsafe
Unsafe
Safe
Very
Safe
0
25
50
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100
Shareholder Yield

Current shareholder yield for HSX is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
Dividend Yield
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Buyback Yield
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Average
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Ownership

HSX Insider Trading
Buy and sell transactions by insiders

Cumulative Transactions Amount
Period Sold Bought Net
3 Months
6 Months
9 Months
12 Months
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Profile

Hiscox Ltd Logo
Hiscox Ltd

Country

Bermuda

Industry

Insurance

Market Cap

3.6B GBP

Dividend Yield

3.67%

Description

Hiscox Ltd. engages in the insurance and reinsurance businesses. The firm is a holding company for subsidiaries involved in the business of insurance and reinsurance in Bermuda, the United States, the United Kingdom, Guernsey, Europe and Asia. Its segments include Hiscox Retail, Hiscox London Market and Hiscox Re & ILS. Its Hiscox Retail segment includes the results of the Company’s retail business divisions in the United Kingdom, Europe, the United States of America and Asia. The Hiscox United Kingdom and Hiscox Europe division underwrite personal and commercial lines of business. The Hiscox USA division comprises commercial, property and specialty business. Its Hiscox London Market segment consists of the internationally traded insurance business, including lines in property, marine and energy, casualty and other specialty insurance lines. Its Hiscox Re & ILS segment is the reinsurance division of the Company, combining the underwriting platforms in Bermuda and London.

Contact

Hamilton
4th Floor, Wessex House, 45 Reid Street
+14412788300.0
www.hiscoxgroup.com

IPO

2006-11-15

Employees

3 000

Officers

Group CEO & Executive Director
Mr. Hamayou Akbar Hussain
Group CFO & Executive Director
Mr. Paul David Cooper
Group Chief Underwriting Officer & Executive Director
Ms. Joanne Riddick Musselle
Group Chief Operations & Technology Officer
Mr. Stephane Flaquet
Group Chief Investment & Treasury Officer
Mr. Todd Isaac
Group Chief Information Officer
Mr. Chris Loake
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Group Head of Investor Relations
Dr. Yana O'Sullivan
Group General Counsel & Company Secretary
Mr. Marc Wetherhill
Group Communications Director
Ms. Kylie O'Connor
Chief Marketing Officer
Ms. Regine Fiddler
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See Also

Discover More
What is the Intrinsic Value of one HSX stock?

The intrinsic value of one HSX stock under the Base Case scenario is 2 217.7 GBX.

Is HSX stock undervalued or overvalued?

Compared to the current market price of 1 042 GBX, Hiscox Ltd is Undervalued by 53%.

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