Hiscox (HSX) Stock Price, Fundamentals & Analysis

What HSX does

Hiscox (HSX) is an insurance and reinsurance group listed on the London Stock Exchange, headquartered in Pembroke, Bermuda, with around 3,000 employees. Founded in 1901, the company operates through three segments — Hiscox Retail, Hiscox London Market, and Hiscox Re — serving the UK, Europe, the US, and international markets.

Its offering spans commercial insurance (including cover for emerging professions, media and tech, and small businesses) and personal lines such as high-value homes, fine art, antiques, classic cars, jewelry, and collectables. It also writes property, marine, specialty, cyber, energy, and casualty insurance, plus niche products like terrorism, kidnap, and ransom cover, distributed through brokers, partners, and direct-to-consumer channels. Alongside insurance, it provides property and casualty reinsurance and investment services. It sits in the Financial Services sector, in the Insurance – Property & Casualty industry, alongside UK peers such as Admiral Group (ADM) and Beazley (BEZ).

Key numbers explained

• Price: 18.73 GBP, unchanged (0%) today, within a 52-week range of 12.88 – 19.52. The stock has risen 38.7% over the last 52 weeks.
• Market capitalisation of 5.93B GBP — the total market value of all shares — places Hiscox among the mid-to-large names on the London market.
• The trailing P/E ratio of 13.1 means the share price equals about 13 years of current earnings; the forward P/E of 12.1 reflects expected earnings. Lower figures generally suggest a less expensive valuation relative to earnings.
• Earnings per share over the trailing 12 months are 1.43 USD, with a profit margin of 15.6% and an operating margin of 14.3% — the share of revenue kept as profit.
• The dividend yield of 2.09% indicates the annual dividend as a percentage of the share price, with 27% of earnings paid out as dividends. The ex-dividend date is Aug 13, 2026.
• Return on equity of 16.5% shows how effectively shareholder capital generates profit; a debt-to-equity ratio of 21.4% points to relatively low leverage.
• Trailing revenue is 4.12B USD, growing 5% year over year.

What to watch

As a property and casualty insurer, Hiscox's results are sensitive to underwriting conditions, catastrophe claims, and investment returns — factors that also affect peers like M&G (MNG). Interest-rate movements can influence both insurance investment income and valuation comparisons. The next earnings date is Aug 5, 2026. Currency effects matter too, since the company reports in USD while trading in GBP. For broader context, compare it with other London-listed financials such as Barclays (BARC) or HSBC (HSBA).