Hiscox HSX.L
Hiscox is a specialist insurer and reinsurer of commercial and high-end risks, with a global presence and a business model focused on disciplined underwriting and geographic diversification. Hiscox shows solid financial health (ROE 16.51%) and 22% earnings growth, with attractive valuation (P/E 13.09) and strong momentum (88th percentile in 52 weeks). The rising premium environment in lines like marine and cyber supports its performance.
Detailed metrics
Market and fundamental data as of the analysis date.
Full AI report
Generated automatically from the metrics, the macro context and the company's news.
Hiscox is a specialist insurer and reinsurer of commercial and high-end risks, with a global presence and a business model focused on disciplined underwriting and geographic diversification. Hiscox shows solid financial health (ROE 16.51%) and 22% earnings growth, with attractive valuation (P/E 13.09) and strong momentum (88th percentile in 52 weeks). The rising premium environment in lines like marine and cyber supports its performance.
Score by category
| Category | Score |
|---|---|
| Financial health | 6.9 |
| Quality / Moat | 6.2 |
| Valuation | 5.8 |
| Growth | 6.9 |
| Dividend | 3.8 |
| Momentum | 8.0 |
| Risk & Context | 8.6 |
OVERALL SCORE: 6.6/10
Context and risks
Domiciled in Bermuda with moderate governance risk. Exposure to geopolitical risks in maritime routes (Hormuz, Aden) affecting its marine line, but with rising premiums partially offsetting.
News considered in the analysis
- 3 Cyber Insurance Stocks Facing The Next Wave Of AI Risk — El riesgo de cibernéticos por IA es un tema recurrente para aseguradoras; impacto moderado y parcialmente descontado.
- 3 Insurance Stocks Riding Higher Marine Risk Pricing — El aumento de primas marinas por tensiones geopolíticas (Ormuz, Adén) beneficia a Hiscox, con exposición relevante en este ramo.
- Hiscox Ltd's Dividend Analysis — Análisis genérico de dividendo sin información nueva.
- Hiscox (LSE:HSX) Stock Sees Fair Value Lift As Analysts Raise Price Targets — Subida de precios objetivo por analistas; señal positiva moderada, parcialmente reflejada en el momentum.
- Hiscox H1 Earnings Call Highlights — Resultados H1 con crecimiento de beneficios del 22% y suscripción disciplinada; refuerza la confianza en el negocio.
Verdict: Hold or accumulate; the combination of reasonable valuation and double-digit growth in a favorable premium environment is positive, though the dividend is low.
Main risk: Exposure to geopolitical risks in maritime routes (Hormuz, Aden) that could generate losses in the marine line, although rising premiums partially mitigate the impact.
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