Hiscox Ltd

Hiscox (HSX)

Company name:Hiscox Ltd
Company Description:Insurance
EPIC:HSXTrading Currency:GBX
Market Sector:FS10ISIN:BMG4593F1389
Market Segment:SET1Share 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
 1,249.00 images.advfn.com/imagesnew/2/gb/down -33.0 [-2.57] 1,244.00 1,246.00 1,300.00 1,300.00 1,230.00 2,496,855
 Market Cap. [m] Shares In Issue [m] Beta EPS DPS PE Ratio Yield 52-Wks-Range
 3,601.06 288.32 0.78 45.10 32.82 27.69 2.63 1,795.00 - 1,140.00

Hiscox Key Figures

(at previous day's close)
Market Cap.3,601.06m
Shares In Issue288.32m
Prev. Close1,282.00
PE Ratio27.69 
Dividend Yield2.63%
EPS - basic45.10p
Dividend PS32.82p
Dividend Cover- 
Cash Flow PS104.21p
Return On Equity (ROE)5.53%
Operating Margin5.17%
PEG Factor0.07 
EPS Growth Rate384.95%
Dividends PS Growth Rate-%
Net Debt7,240.34m
Gross Gearing78.64%
Quick Assets3,084.07m
Net Working Capital-m
Intangibles / Fixed Assets2.64%
Turnover PS922.09p
Pre-Tax Profit PS47.65p
Retained Profit PS7.73p
Cash PS447.03p
Net Cash PS447.03p
Net Tangible Asset Value PS *732.34p
Net Asset Value PS803.67p
Spread2.00 (0.16%) 

Hiscox Balance Sheet

LSE:HSX:Liabilities+EQLSE:HSX:Assets

Share Price Performance

Sample Period HighLow
1 week1,301.001,199.00
4 weeks1,560.001,140.00
12 weeks1,671.001,140.00
1 year1,795.001,140.00

Share Price Chart (5 years)

Hiscox Historic Returns

Period OpenChange%Open Avg.Avg. Daily Vol [m]Total Vol [m]VWAP
1 week1,261.00-12.00-0.951,199.002.131,245.71
4 weeks1,541.00-292.00-18.951,140.001.481,353.99
12 weeks1,589.00-340.00-21.401,140.001.011,475.48
26 weeks1,578.00-329.00-20.851,140.000.881,570.12
1 year1,623.00-374.00-23.041,140.000.841,572.49
3 years1,061.00188.0017.72978.000.641,464.55
5 years672.50576.5085.72668.500.521,323.66

Hiscox Key Management Ratios

Hiscox Investment Ratios

(Market value analysis) at previous day's close
PQ Ratio9.86 
PE Ratio27.69 
Tobin's Q Ratio 0.40 
Tobin's Q Ratio (excl. intangibles)0.41 
Dividend Yield2.63%
Market-to-Book Ratio1.55 
Price-to-Pre-Tax Profit PS26.21 
Price-to-Retained Profit PS161.48 
Price-to-Cash Flow PS11.98 
Price-to-Sales PS1.35 
Price-to-Net Tangible Asset Value PS1.70 
Price-to-Cash PS2.79 
Net Working Capital PS- 
Price Pct to Working Capital PS-%
Earnings Yield3.61%
Average PE45.40 
Years in average5 
PE to PE average61.00%

Hiscox Financial Ratios

(Leverage Ratios)
Debt Ratio78.64%
Debt-to-Equity Ratio3.68 
Debt-to-Equity Ratio (excl. Intgbl)4.04 
Debt-to-Equity Market Value2.37 
Net Gearing66.75%
Net Gearing (excl. Intangibles)68.04%
Gross Gearing78.64%
Gross Gearing (excl. Intangibles)80.15%
Gearing Under 1 Year-%
Gearing Under 1 Year (excl. Intgbl)-%
Assets/Equity4.68 
Cash/Equity55.62 
(Liquidity Ratios)
Net Working Capital to Total Assets28.43%
Current Ratio- 
Quick Ratio (Acid Test)- 
Liquidity Ratio- 
Cash & Equiv/Current Assets41.79%
(Solvency Ratios)
Enterprise Value10,842.47m
CFO/Sales0.11 
CFO/Attributable Profit2.35 
CFO/Assets0.03 
CFO/Debt0.04 
Total Debt/Equity Market Value2.37 
Total Debt/Sales3.21 
Total Debt/Pre-Tax Profit62.09 
Total Debt8,529.19m
Total Debt/Net Current Assets2.77%
(Dodds - Graham Ratios)
3 yr Compound Earnings Growth-%
5 yr Compound Earnings Growth-%
10 yr Compound Earnings Growth-%
Earn drops > 5% in 10yrs7 
Beta (60-Mnth)Beta (36-Mnth)
0.78140.2779

Hiscox Operating Ratios

(Profitability Ratios)
Return On Capital Employed (ROCE)1.27%
Return On Assets (ROA)1.42%
Net Profit Margin4.81%
Assets Turnover0.29 
Return On Equity (ROE)5.53%
Return On Investment (ROI)1.42%
Dividend Payout Ratio72.77%
Plowback Ratio27.23%
Growth from Plowback Ratio1.71%
Net Income Of Revenues0.84%
(Asset Utilisation Multiples)
Shareholders Equity Turnover1.31 
Fixed Assets Turnover0.40 
Current Assets Turnover1.16 
Net Working Capital Turnover 
Inventory Turnover- 
(Other Operating Ratios)
Total Assets-to-Sales3.40 
Debtors-to-Sales50.21%
Debt Collection Period183.27Days

Hiscox Dividends

Announcement DateTypeCurr.Dividend AmountPeriod StartPeriod EndEx DateRecord DatePayment DateTotal Dividend Amount
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 2016FinalGBX16.0031/12/201431/12/201510/03/201611/03/201607/04/201624.00
29 Feb 2016SpecialGBX16.0031/12/201431/12/201510/03/201611/03/201607/04/2016-
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 2015 (GBP)31 Dec 2016 (GBP)31 Dec 2017 (GBP)31 Dec 2018 (GBP)
turnover1,487.55100.00%1,787.60100.00%1,997.70100.00%2,658.52100.00%m
pre tax profit216.1014.53%354.5419.83%30.801.54%137.385.17%m
attributable profit209.9014.11%336.9918.85%26.311.32%128.004.81%m
retained profit0.470.03%224.3312.55%-49.71-2.49%22.300.84%m
eps - basic (p)72.80 119.80 9.30 45.10 
eps - diluted (p)70.50 116.00 9.00 44.30 
dividends per share24.00 27.50 29.00 41.85 

Hiscox Balance Sheet

 31 Dec 2015 (GBP)31 Dec 2016 (GBP)31 Dec 2017 (GBP)31 Dec 2018 (GBP)
LSE:HSX:Liabilities+EQLSE:HSX:AssetsLSE:HSX:Liabilities+EQLSE:HSX:AssetsLSE:HSX:Liabilities+EQLSE:HSX:AssetsLSE:HSX:Liabilities+EQLSE:HSX:Assets
 31 Dec 2015 (GBP)31 Dec 2016 (GBP)31 Dec 2017 (GBP)31 Dec 2018 (GBP)
ASSETS
fixed assets fixed assets46.510.88%48.430.73%48.610.67%61.460.57%m
intangibles intangibles126.222.38%123.721.86%137.811.91%204.601.89%m
fixed investments fixed investments3,745.4470.62%4,958.1174.65%5,503.5276.36%7,496.1869.11%m
current assets - other current assets - other--%--%--%--%m
stocks stocks--%--%--%--%m
debtors debtors657.9512.40%846.7012.75%874.5412.13%1,795.2216.55%m
cash & securities cash & securities727.8813.72%664.8210.01%642.798.92%1,288.8511.88%m
TOTAL5,304.00100%6,641.78100%7,207.28100%10,846.31100%m
LIABILITIES
creditors - short creditors - short--%--%--%--%m
creditors - long creditors - long--%--%--%--%m
creditors - other creditors - other726.8113.70%970.4014.61%1,002.6713.91%1,827.7116.85%m
subordinated loans subordinated loans--%--%--%--%m
insurance funds insurance funds3,048.3657.47%3,852.9858.01%4,450.1861.75%6,701.4761.79%m
TOTAL3,775.1771.18%4,823.3872.62%5,452.8575.66%8,529.1978.64%m
EQUITY
ord cap, reserves ord cap, reserves1,527.9628.81%1,817.5427.37%1,753.5624.33%2,316.0421.35%m
prefs, minorities prefs, minorities0.870.02%0.870.01%0.870.01%1.070.01%m
TOTAL1,528.8328.82%1,818.4027.38%1,754.4324.34%2,317.1221.36%m
OTHER
NAV Basic- - - - 
NAV Diluted- - - - 

Hiscox Cash Flow Statement

31 Dec 2015 (GBP)31 Dec 2016 (GBP)31 Dec 2017 (GBP)31 Dec 2018 (GBP)
Operating CF71.5239.4268.73300.47m
Pre-Financing CF11.8325.8971.77240.84m
Retained CF71.03-123.77-2.41442.98m

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:20191117 22:45:58