Hiscox Ltd (HCXLY) Fair Value & Analysis
Financial Services · US · Market cap $7.6B
Hiscox Ltd
HCXLY · US
Fair value as of: Jun 26, 2026
From 26 valuation models · updated 18 days ago
Fair value updated Jun 26, 2026 — revised from $42.77 to $49.17 (+15.0%) since Jun 24, 2026. Share price +3.5% over the past month.
Price vs Fair Value (12 months)
12‑month range $25.03 – $52.48 · fair‑value band $36.88 – $61.47 · the $49.70 price screens above the $49.17 fair value. As of Jun 26, 2026.
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Hiscox Ltd (HCXLY) currently trades at $49.70, while our model-based Fair Value estimate is $49.17 — implying the stock looks roughly 1.1% fairly valued today. We read business quality at 69/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).
Over the trailing twelve months, Hiscox Ltd generated revenue of $4.0B at a net margin of 15.0%. Revenue grew 4.7% year over year. It earns a return on equity of 15.8%. The balance sheet holds a net cash position of $45.7M. Fundamentals as of Jun 26, 2026
Our scenario range runs from $36.88 (bear case) to $61.47 (bull case); at $49.70, the current price sits within that range. The share trades about 4% below its 52-week high and 53% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 70% fair-value upside — at -1%, HCXLY screens richer than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.
About the company
Hiscox Ltd, through its subsidiaries, provides insurance and reinsurance services in the United Kingdom, Europe, the United States, and internationally. It operates through Hiscox Retail, Hiscox London Market, and Hiscox Re segments. The company offers commercial insurance, such as emerging professions, media and tech, and small business insurance; and personal lines, including high-value homes and fine art, as well as artwork, antiques, classic cars, jewelry, collectables, and other assets through brokers, partners, and direct-to-consumers. It also provides property insurance; marine, specialty, cyber, and energy insurance; casualty insurance; terrorism, kidnap, and ransom insurance; and other specialty insurance products. In addition, the company offers property and casualty reinsurance services, as well as investment services. Hiscox Ltd was founded in 1901 and is headquartered in Pembroke, Bermuda.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Hiscox Ltd reported revenue of $5.4B in FY2025 versus $3.1B in FY2021, a compound +14.9%/yr. Reported net income was $606M in FY2025, compounding +33.7%/yr from FY2021.
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Recent news
- Nolana Named as Finalist and Runner-Up at ILC ClaimsTech – The Pitch 2026 in London
- Hiscox (LSE:HSX) Stock Sees Modest Fair Value Lift After Analyst Target Revisions
- How The Investment Story For Hiscox (LSE:HSX) Is Evolving Without New Analyst Signals
- How Higher Targets And Capital Returns Are Reframing The Hiscox (LSE:HSX) Investment Story
External third-party headlines (Yahoo Finance, Reuters and others) — not an editorial selection, not financial advice.
Similar stocks
10 more Insurance - Property & Casualty stocks, each showing price versus our Fair Value estimate (as of Jun 26, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Chubb Limited C1BL34 | R$430.51 | R$86.39 | -80% |
| The Progressive Corporation PGR | $207.38 | $335.04 | +62% |
| Tokio Marine Holdings TKOMF | $42.16 | $41.60 | -1% |
| The Travelers Companies, Inc TRV | 5,323 MXN | 5,975 MXN | +12% |
| The Allstate Corporation ALL | $223.34 | $446.68 | +100% |
| The People's Insurance Company 601319 | ¥6.78 | ¥13.56 | +100% |
| PICC Property and Casualty Company PPCCY | $49.08 | $83.45 | +70% |
| MS&AD Insurance Group MSADF | $29.91 | $57.59 | +93% |
| Sompo Holdings SMPNY | $19.53 | $36.39 | +86% |
| Intact Financial Corporation IFCZF | $205.53 | $174.50 | -15% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
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Not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.