26 May 2026

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Hiscox Ltd (HSX)

Rank #73 of 100 - Financials - UK Equities

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Hiscox Ltd

HSX.L·Financials·Market Cap £5.9b

Rank #73 of 100

Data from Excel Model · 100 Stocks Analysed

£18.41

+29.66% YTD

Target: £16.52(-10.2%)

52W: £11.72 - £18.90

Score Analysis

Hiscox Ltd is ranked #73 out of 100 UK stocks. Lower factor scores indicate better performance in that category.

Factor Breakdown

43/100

Average Score

Liquidity

Weak83/100

Valuation

Excellent25/100

Profitability

Fair45/100

Solvency

Fair41/100

Asset Efficiency

Good33/100

Mkt Trading

Weak70/100

Technical

Excellent7/100

1. Valuation

Score: 25/100

Is HSX undervalued compared to its peers and fair value metrics?

3/5

valuation criteria met

✗

FY26e P/E Ratio

14.8xRank 55/100

✗

FY27e P/E Ratio

12.8xRank 49/100

✓

Price-to-Book

1.58xRank 30/100

✓

Price-to-Tangible Book

1.75xRank 26/100

✓

EV/EBITDA

7.5xRank 27/100

Key Valuation Metrics

Current P/E

14.1x

Price-to-Earnings

FY26e P/E

14.8x

Forward estimate

FY27e P/E

12.8x

Forward estimate

P/B Ratio

1.58x

Price-to-Book

P/TBV

1.75x

Price-to-Tangible Book

EV/EBITDA

7.5x

Enterprise Value

FY26e EV/EBITDA

10.2x

Forward estimate

FY27e EV/EBITDA

10.2x

Forward estimate

Analyst Consensus Target

Current Price

£18.41

Consensus Target

£16.52

Potential

-10.2%

Target

Bloomberg Median Target: £17.90

2. Profitability

Score: 45/100

How profitable is HSX relative to its peers?

0/6

profitability criteria met

✗

TTM Profit Margin

13.0%Rank 53/100

–

Current ROE

15.8%

–

Current ROA

N/A

✗

FY26e EPS

1.98Rank 67/100

–

TTM EPS

1.83

–

Net Income Growth

N/A

Profit Margin

13.0%

ROE

15.8%

FY27e ROE

15.6%

ROA

N/A

Earnings Per Share

3. Financial Health

Score: 41/100

How strong is HSX's balance sheet and financial position?

0/4

solvency criteria met

–

Debt-to-Equity

22.7%

–

Interest Coverage

N/A

✗

Debt/EBITDA

Rank 83Rank 83/100

–

Altman Z-Score

N/A

Key Health Metrics

Quick Ratio

N/A

Below 1.0

Cash Ratio

N/A

Debt/Equity

23%

FCF Margin

0.1%

Altman Z-Score

N/A

Distress Zone

01.812.995+

4. Asset Efficiency

Score: 33/100

How efficiently does HSX deploy its assets and intellectual capital?

0/2

asset efficiency criteria met

–

Intangible/Asset

Intangible assets as a proportion of total assets — lower indicates more tangible, capital-efficient operations

N/A

–

R&D/Sales

Research & development spend relative to revenue — balanced R&D investment signals sustainable growth

N/A

Overall Asset Efficiency Rank

Rank within sector peers#33/100

Best (1)Worst (100)

What This Measures

Intangible/Asset — a lower ratio suggests the company's value is backed by tangible assets rather than goodwill or intangibles, reducing balance sheet risk.

R&D/Sales — captures the proportion of revenue reinvested into research and development, indicating innovation intensity and future growth investment.