Hiscox Ltd

Hiscox (HSX)

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Company name:Hiscox Ltd
Company Description:Insurance
EPIC:HSXTrading Currency:GBX
Market Sector:F25FISIN:BMG4593F1389
Market Segment:STMMShare Type:DE
WWW Address:http://www.hiscox.com/Description:ORD 6.5P (DI)
Industry Sector:NONLIFE INSURANCE
 Price Price Change [%] Bid Offer Open High Low Volume
 824.80 images.advfn.com/imagesnew/2/gb/up 17.6 [2.18] 824.60 825.20 818.00 825.40 811.20 309,670
 Market Cap. [m] Shares In Issue [m] Beta EPS DPS PE Ratio Yield 52-Wks-Range
 2,856.32 346.30 0.66 17.20 32.69 47.95 3.96 1,671.00 - 635.40

Hiscox Key Figures

(at previous day's close)
Market Cap.2,856.32m
Shares In Issue346.30m
Prev. Close807.20
PE Ratio47.95 
Dividend Yield3.96%
EPS - basic17.20p
Dividend PS32.69p
Dividend Cover- 
Cash Flow PS11.41p
Return On Equity (ROE)2.23%
Operating Margin1.32%
PEG Factor-0.78 
EPS Growth Rate-61.86%
Dividends PS Growth Rate3.58%
Net Debt9,245.20m
Gross Gearing82.55%
Quick Assets2,753.80m
Net Working Capital2,691.80m
Intangibles / Fixed Assets2.84%
Turnover PS1,163.92p
Pre-Tax Profit PS15.33p
Retained Profit PS-18.11p
Cash PS322.23p
Net Cash PS304.33p
Net Tangible Asset Value PS *551.71p
Net Asset Value PS632.30p
Spread0.60 (0.07%) 

Hiscox Balance Sheet

LSE:HSX:Liabilities+EQLSE:HSX:Assets

Share Price Performance

Sample Period HighLow
1 week827.60771.40
4 weeks842.80720.80
12 weeks857.00683.20
1 year1,671.00635.40

Share Price Chart (5 years)

Hiscox Historic Returns

Period OpenChange%Open Avg.Avg. Daily Vol [m]Total Vol [m]VWAP
1 week780.8044.005.64771.400.72799.33
4 weeks830.00-5.20-0.63720.800.80794.59
12 weeks694.60130.2018.74683.201.04793.86
26 weeks1,331.00-506.20-38.03635.401.44856.19
1 year1,600.00-775.20-48.45635.401.261,105.63
3 years1,315.00-490.20-37.28635.400.861,324.33
5 years919.50-94.70-10.30635.400.671,263.49

Hiscox Key Management Ratios

Hiscox Investment Ratios

(Market value analysis) at previous day's close
PQ Ratio62.81 
PE Ratio47.95 
Tobin's Q Ratio 0.24 
Tobin's Q Ratio (excl. intangibles)0.25 
Dividend Yield3.96%
Market-to-Book Ratio1.31 
Price-to-Pre-Tax Profit PS53.79 
Price-to-Retained Profit PS-45.56 
Price-to-Cash Flow PS72.31 
Price-to-Sales PS0.71 
Price-to-Net Tangible Asset Value PS1.49 
Price-to-Cash PS2.56 
Net Working Capital PS777.29 
Price Pct to Working Capital PS1.06%
Earnings Yield2.09%
Average PE59.82 
Years in average5 
PE to PE average80.16%

Hiscox Financial Ratios

(Leverage Ratios)
Debt Ratio82.47%
Debt-to-Equity Ratio4.70 
Debt-to-Equity Ratio (excl. Intgbl)5.39 
Debt-to-Equity Market Value3.61 
Net Gearing73.66%
Net Gearing (excl. Intangibles)75.33%
Gross Gearing82.55%
Gross Gearing (excl. Intangibles)84.42%
Gearing Under 1 Year0.49%
Gearing Under 1 Year (excl. Intgbl)0.51%
Assets/Equity5.73 
Cash/Equity50.96 
(Liquidity Ratios)
Net Working Capital to Total Assets21.45%
Current Ratio44.42 
Quick Ratio (Acid Test)44.42 
Liquidity Ratio18.00 
Cash & Equiv/Current Assets40.52%
(Solvency Ratios)
Enterprise Value12,040.62m
CFO/Sales0.01 
CFO/Attributable Profit0.81 
CFO/Assets0.00 
CFO/Debt0.00 
Total Debt/Equity Market Value3.63 
Total Debt/Sales2.57 
Total Debt/Pre-Tax Profit195.12 
Total Debt10,361.10m
Total Debt/Net Current Assets3.85%
(Dodds - Graham Ratios)
3 yr Compound Earnings Growth22.75%
5 yr Compound Earnings Growth-%
10 yr Compound Earnings Growth-%
Earn drops > 5% in 10yrs8 
Beta (60-Mnth)Beta (36-Mnth)
0.66400.6575

Hiscox Operating Ratios

(Profitability Ratios)
Return On Capital Employed (ROCE)0.43%
Return On Assets (ROA)0.42%
Net Profit Margin1.21%
Assets Turnover0.34 
Return On Equity (ROE)2.23%
Return On Investment (ROI)0.42%
Dividend Payout Ratio190.04%
Plowback Ratio-90.04%
Growth from Plowback Ratio-1.95%
Net Income Of Revenues-1.56%
(Asset Utilisation Multiples)
Shareholders Equity Turnover1.79 
Fixed Assets Turnover0.46 
Current Assets Turnover1.38 
Net Working Capital Turnover 
Inventory Turnover- 
(Other Operating Ratios)
Total Assets-to-Sales2.90 
Debtors-to-Sales42.59%
Debt Collection Period155.44Days

Hiscox Dividends

Announcement DateTypeCurr.Dividend AmountPeriod StartPeriod EndEx DateRecord DatePayment DateTotal Dividend Amount
02 Mar 2020FinalUSX29.6031/12/201831/12/201914/05/202015/05/202010/06/202043.35
29 Jul 2019InterimUSX13.7531/12/201831/12/201908/08/201909/08/201911/09/2019-
25 Feb 2019FinalUSX28.6031/12/201731/12/201809/05/201910/05/201912/06/201941.85
30 Jul 2018InterimUSX13.2531/12/201731/12/201809/08/201810/08/201811/09/2018-
26 Feb 2018FinalGBX19.5031/12/201631/12/201710/05/201811/05/201812/06/201829.00
31 Jul 2017InterimGBX9.5031/12/201631/12/201710/08/201711/08/201713/09/2017-
27 Feb 2017FinalGBX19.0031/12/201531/12/201611/05/201712/05/201720/06/201727.50
25 Jul 2016InterimGBX8.5031/12/201531/12/201604/08/201605/08/201609/09/2016-
29 Feb 2016SpecialGBX16.0031/12/201431/12/201510/03/201611/03/201607/04/2016-
29 Feb 2016FinalGBX16.0031/12/201431/12/201510/03/201611/03/201607/04/201624.00
27 Jul 2015InterimGBX8.0031/12/201431/12/201506/08/201507/08/201516/09/2015-
02 Mar 2015FinalGBX15.0031/12/201331/12/201424/03/201525/03/201502/04/201522.50
02 Mar 2015SpecialGBX45.0031/12/201331/12/201424/03/201525/03/201502/04/2015-
28 Jul 2014InterimGBX7.5031/12/201331/12/201406/08/201408/08/201417/09/2014-
24 Feb 2014FinalGBX14.0031/12/201231/12/201316/03/201418/03/201409/04/201421.00
24 Feb 2014SpecialGBX36.0031/12/201231/12/201316/03/201418/03/201409/04/2014-
29 Jul 2013InterimGBX7.0031/12/201231/12/201307/08/201309/08/201318/09/2013-
25 Feb 2013FinalGBX12.0031/12/201131/12/201226/03/201328/03/201312/04/201318.00
30 Jul 2012InterimGBX6.0031/12/201131/12/201208/08/201210/08/201219/09/2012-
27 Feb 2012FinalGBX11.9031/12/201031/12/201109/05/201211/05/201219/06/201217.00
01 Aug 2011InterimGBX5.1031/12/201031/12/201110/08/201112/08/201121/09/2011-
01 Mar 2011FinalGBX11.5031/12/200931/12/201011/05/201113/05/201121/06/201116.50
23 Aug 2010InterimGBX5.0031/12/200931/12/201001/09/201003/09/201028/09/2010-
01 Mar 2010FinalGBX10.5031/12/200831/12/200903/05/201005/05/201025/03/201015.00
25 Aug 2009InterimGBX4.5030/12/200830/06/200902/09/200904/09/200906/10/2009-
09 Mar 2009FinalGBX8.5031/12/200731/12/200813/05/200915/05/200916/06/200912.75
18 Aug 2008InterimGBX4.2530/12/200730/06/200826/08/200828/08/200829/08/2008-
14 Apr 2008FinalGBX8.0031/12/200631/12/200714/05/200816/05/200817/06/200812.00
20 Aug 2007InterimGBX4.0030/12/200630/06/200729/08/200731/08/200701/10/2007-
08 Mar 2007FinalGBX7.0031/12/200531/12/200602/05/200704/05/200705/06/200710.00
11 Sep 2006InterimGBX3.0030/12/200530/06/200627/09/200629/09/200623/10/2006-
13 Mar 2006FinalGBX4.7531/12/200431/12/200519/04/200621/04/200626/06/20067.00
12 Sep 2005InterimGBX2.2530/12/200430/06/200528/09/200530/09/200524/10/2005-
14 Mar 2005FinalGBX3.5031/12/200331/12/200413/04/200515/04/200527/06/20055.00
14 Sep 2004InterimGBX1.5030/12/200330/06/200429/09/200401/10/200425/10/2004-
22 Mar 2004FinalGBX2.9031/12/200231/12/200321/04/200423/04/200428/06/20044.20
17 Sep 2003InterimGBX1.3030/12/200230/06/200301/10/200303/10/200327/10/2003-
26 Mar 2003FinalGBX2.4031/12/200131/12/200220/04/200322/04/200330/06/20033.54
09 Sep 2002InterimGBX1.2030/12/200130/06/200225/09/200227/09/200224/10/2002-
25 Apr 2001FinalGBX2.3031/12/199931/12/200002/05/200104/05/200111/07/20013.50
28 Sep 2000InterimGBX1.2030/12/199930/06/200009/10/200013/10/200010/11/2000-
16 May 2000FinalGBX2.3031/12/199831/12/199922/05/200026/05/200019/07/20003.50
30 Sep 1999InterimGBX1.2030/12/199830/06/199901/11/199905/11/199930/11/1999-
17 May 1999FinalGBX2.3031/12/199731/12/199824/05/199928/05/199921/07/19993.50
09 Sep 1998InterimGBX1.2030/12/199730/06/199821/09/199825/09/199830/10/1998-
29 Apr 1998FinalGBX2.2031/12/199631/12/199708/06/199812/06/199821/07/19983.30

Hiscox Fundamentals

 31 Dec 2016 (GBP)31 Dec 2017 (GBP)31 Dec 2018 (GBP)31 Dec 2019 (GBP)
turnover1,787.60100.00%1,997.70100.00%2,658.52100.00%4,030.70100.00%m
pre tax profit354.5419.83%30.801.54%137.385.17%53.101.32%m
attributable profit336.9918.85%26.311.32%128.004.81%48.901.21%m
retained profit224.3312.55%-49.71-2.49%22.300.84%-62.70-1.56%m
eps - basic (p)119.80 9.30 45.10 17.20 
eps - diluted (p)116.00 9.00 44.30 16.90 
dividends per share27.50 29.00 41.85 43.35 

Hiscox Balance Sheet

 31 Dec 2016 (GBP)31 Dec 2017 (GBP)31 Dec 2018 (GBP)31 Dec 2019 (GBP)
LSE:HSX:Liabilities+EQLSE:HSX:AssetsLSE:HSX:Liabilities+EQLSE:HSX:AssetsLSE:HSX:Liabilities+EQLSE:HSX:AssetsLSE:HSX:Liabilities+EQLSE:HSX:Assets
 31 Dec 2016 (GBP)31 Dec 2017 (GBP)31 Dec 2018 (GBP)31 Dec 2019 (GBP)
ASSETS
fixed assets fixed assets48.430.73%48.610.67%61.460.57%128.401.02%m
intangibles intangibles123.721.86%137.811.91%204.601.89%278.002.21%m
fixed investments fixed investments4,958.1174.65%5,503.5276.36%7,496.1869.11%9,390.6074.82%m
current assets - other current assets - other--%--%--%--%m
stocks stocks--%--%--%--%m
debtors debtors846.7012.75%874.5412.13%1,795.2216.55%1,637.9013.05%m
cash & securities cash & securities664.8210.01%642.798.92%1,288.8511.88%1,115.908.89%m
TOTAL6,641.78100%7,207.28100%10,846.31100%12,550.80100%m
LIABILITIES
creditors - short creditors - short--%--%--%62.000.49%m
creditors - long creditors - long--%--%--%--%m
creditors - other creditors - other970.4014.61%1,002.6713.91%1,827.7116.85%2,204.6017.57%m
subordinated loans subordinated loans--%--%--%--%m
insurance funds insurance funds3,852.9858.01%4,450.1861.75%6,701.4761.79%8,094.5064.49%m
TOTAL4,823.3872.62%5,452.8575.66%8,529.1978.64%10,361.1082.55%m
EQUITY
ord cap, reserves ord cap, reserves1,817.5427.37%1,753.5624.33%2,316.0421.35%2,188.6017.44%m
prefs, minorities prefs, minorities0.870.01%0.870.01%1.070.01%1.100.01%m
TOTAL1,818.4027.38%1,754.4324.34%2,317.1221.36%2,189.7017.45%m
OTHER
NAV Basic- - - - 
NAV Diluted- - - - 

Hiscox Cash Flow Statement

31 Dec 2016 (GBP)31 Dec 2017 (GBP)31 Dec 2018 (GBP)31 Dec 2019 (GBP)
Operating CF39.4268.73300.4739.50m
Pre-Financing CF25.8971.77240.84-57.80m
Retained CF-123.77-2.41442.98-181.30m

Hiscox Brokers

NameActivityTypeMnemonicCode
THE ROYAL BANK OF SCOT N.V.Market Maker(MME)Broker/DealerRBSMABNAGB22
J.P. Morgan Cazenove LimitedMarket Maker(MME)Broker/DealerCAZRCAZEGB2L
CREDIT SUISSE SEC (EUROPE) LTDMarket Maker(MME)Broker/DealerCSFBCSFBGB2L
Deutsche Bank AG London BranchMarket Maker(MME)Broker/DealerDEUTDEUTGB2L
Evolution Securities LimitedMarket Maker(MME)Broker/DealerEVOEVBGGB21MMT
Goldman Sachs InternationalMarket Maker(MME)Broker/DealerGSCOGSILGB2X
HSBC Bank plcMarket Maker(MME)Broker/DealerHSBCJCAPGB2L
J.P. Morgan Securities LtdMarket Maker(MME)Broker/DealerJPMSJPMSGB2L
Morgan Stanley Securities LtdMarket Maker(MME)Broker/DealerMOSTMSSEGB21
Panmure Gordon (UK) LimitedMarket Maker(MME)Broker/DealerPMURPMURGB2L
Numis Securities LimitedMarket Maker(MME)Broker/DealerNUMSRAZHGB2LBIC
Citigrp Global Mkt UK EquitiesMarket Maker(MME)Broker/DealerCITISBUKGB21
Merrill Lynch InternationalMarket Maker(MME)Broker/DealerMLSBSNCSGB2LBIC
UBS AGMarket Maker(MME)Broker/DealerUBS.UBSWGB2LEQU
Winterflood Securities LtdMarket Maker(MME)Broker/DealerWINSWNTSGB2LBIC
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P: V:gb D:20200812 13:09:28