1. Bermuda Stocks

  2. •

    Financial Services

  3. •

    Insurance - Property & Casualty
Hiscox Ltd

Hiscox Ltd

HCXLY
Hiscox LtdUS flagOther OTC
48.30
USD
- -
- -
7.81BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
Revenue per Share
15.87
15.41
16.42
18.02
18.95
20.24
22.42
20.28
19.17
16.56
20.73
21.48
23.64
Basic EPS, GAAP
2.79
2.39
2.16
2.96
0.24
0.83
0.34
-1.83
1.11
1.48
4.12
3.66
3.61
Free Cash Flow per Basic Share
1.19
3.34
0.22
0.27
0.34
1.7
-0.41
-1.18
-0.25
1.69
1.09
0.44
0.16
Dividend per Share
2.59
2.18
2.15
0.99
0.69
0.75
0.79
- -
0.23
0.7
0.72
0.74
0.87
Book Value per Share
15.17
14.31
13.69
13.23
17
16.52
15.92
12
12.54
13.58
17.15
20.39
23.68
Tangible Book Value per Share
15.69
14.88
14.42
14.87
15.12
14.49
13.46
12.82
13.14
13.45
17.21
19.76
21.34
Basic Weighted Avg Shares
140
141
144
141
141
142
142
160
171
172
173
171
167
Sales/Revenue/Turnover
2,228
2,174
2,367
2,534
2,672
2,869
3,184
3,250
3,283
2,850
3,580
3,676
3,951
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
16
20
34
35
28
33
45
57
58
60
77
61
66
Net Income, GAAP
392
336
311
416
34
118
49
-294
190
254
712
627
604
Effective Tax Rate (%)
2.77
6.46
2.87
4.95
14.58
13.05
7.91
- -
0.68
7.87
- -
8.49
17.55
Profit Margin (%)
17.59
15.48
13.14
16.41
1.27
4.11
1.54
-9.04
5.77
8.91
19.89
17.06
15.29
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
- -
- -
406
338
370
697
797
1,003
790
709
747
736
894
Total Equity
2,324
2,263
2,265
2,244
2,317
2,259
2,190
2,354
2,563
2,635
3,297
3,690
3,948
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
21.05
16.67
14.76
19.18
2.29
5.09
2.71
- -
8.17
9.69
- -
17
14.49
Return on Common Equity (%)
20.45
16.22
15.58
21.7
1.59
4.98
2.13
-14.04
9.31
11.32
26.88
19.44
16.22

Capital Structure

FRC

•

in mil. unless spec.
No data availableFinancial data will appear here once available

Working Capital

FRC

•

in mil. unless spec.
No data availableFinancial data will appear here once available

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
6%
11.14%
6.99%
Free Cash Flow
-47.07%
-204.94%
-64.94%
Net Income, GAAP
-53.52%
6.86%
-3.68%
Sales/Revenue/Turnover
5.65%
4.72%
7.49%
Total Cash Common Dividend
- -
32.25%
14.57%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
3,580
2024
- -
- -
- -
- -
3,676
2025
- -
- -
- -
- -
3,951

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
4.12
2024
- -
- -
- -
- -
3.66
2025
- -
- -
- -
- -
3.61

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
0.72
2024
- -
- -
- -
- -
0.74
2025
- -
- -
- -
- -
0.87

Company Description

APIChat
CEO
Hamayou Akbar Hussain
Full Time Employees
3,000
Sector
Financial Services
Industry
Insurance - Property & Casualty
Address
Chesney House Pembroke Bermuda HM 08
IPO Date
Jan 6, 2022
Website
hiscoxgroup.com
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Business
Hiscox Ltd (LSE: HSX; OTC: HCXLY) is a Bermuda-headquartered international specialist insurer founded in 1901 as a Lloyd's of London underwriter and listed on the London Stock Exchange since 1995; the company provides property and casualty insurance products to commercial and high-net-worth individual customers through its retail businesses in the UK, Europe and USA, as well as internationally traded big-ticket business and reinsurance via Hiscox London Market and Hiscox Re & ILS. Core offerings encompass general liability, professional indemnity/errors and omissions, business owners' policies, cyber and data security, workers compensation, directors and officers liability, medical malpractice, umbrella, auto, property, marine, aerospace, product recall, political risk, kidnap and ransom, personal accident, fine art, classic car, art and private client coverage, and reinsurance; operations span 13 countries including principal hubs in Bermuda, London, New York, Atlanta, Guernsey, Paris, Berlin, and Singapore, with over 3,000 employees serving customers worldwide across technology start-ups, life sciences, professional services, SMEs, charities, tradesmen, landlords, and affluent individuals. Recent developments include the August 2025 agreement to acquire Corix Insurance Services LLC and Vouch Insurance Company from Vouch Inc to bolster Hiscox USA's small business specialty insurance for tech and life sciences sectors while advancing US broker platform digitization; a multi-year Google Cloud collaboration enhancing AI-driven underwriting in Hiscox London Market; the sale of DirectAsia in July 2025 with restated financials positioning Retail for over 6% constant currency growth in 2025; nine new UK distribution deals and a first multi-country European digital MGA partnership in 2024 alongside further 2025 launches; an upsized $275 million share buyback with 65% completion by early November 2025; and a planned 20% increase in the final 2025 dividend per share reflecting Retail's rising portfolio share and strategic confidence.