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Market Price

15.40 

-0.16 -1.0%

as of Feb 18 '19

52 Week Range:

12.83 17.27


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Hiscox Ltd, together with its subsidiaries, provides insurance and reinsurance services. The company operates through four segments: Hiscox Retail, Hiscox London Market, Hiscox Re & ILS, and Corporate Centre. It provides commercial insurance for small-and medium-sized businesses, including household, fine art and collectibles, and luxury motor via brokers, through a growing network of partnerships, and directly to consumers. The company also offers property insurance; marine and energy insurance; casualty insurance; specialty and international employees and officers' insurance; kidnap and ransom insurance; auto physical damage insurance; and other specialty insurance, such as aviation, contingency, terrorism, personal accident, and product recall. In addition, it provides healthcare and casualty reinsurance services, as well as investment services. The company operates in Bermuda, the United Kingdom, Ireland, the United States, Guernsey, France, Germany, Belgium, the Netherlands, Spain, Portugal, Singapore, and Thailand. Hiscox Ltd is headquartered in Hamilton, Bermuda.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Equity (BVPS) 3.04
3.70
4.29
4.77
4.42
5.01
4.61
5.19
5.27
6.34
6.26
growth rate 21.7% 16.0% 11.2% -7.3% 13.4% -8.0% 12.6% 1.5% 20.3% -1.3%
Earnings BIT 237.20
105.18
320.62
211.37
17.27
217.12
262.07
231.29
212.24
228.61
115.73
growth rate -55.7% 204.8% -34.1% -91.8% 1,157.2% 20.7% -11.7% -8.2% 7.7% -49.4%
Avg.PE 6.12
18.80
4.38
8.40
70.42
8.92
10.95
12.70
13.67
10.64
167.78
growth rate 207.2% -76.7% 91.8% 738.3% -87.3% 22.8% 16.0% 7.6% -22.2% 1,476.9%
ROA 6.88
1.85
7.79
4.48
0.52
4.92
5.44
4.47
3.98
5.18
0.40
growth rate -73.1% 321.1% -42.5% -88.4% 846.2% 10.6% -17.8% -11.0% 30.2% -92.3%
ROE 25.39
6.85
28.30
14.65
1.69
16.08
17.23
14.67
13.74
18.45
1.54
growth rate -73.0% 313.1% -48.2% -88.5% 851.5% 7.2% -14.9% -6.3% 34.3% -91.7%
ROIC 21.10
7.04
23.83
14.04
1.69
16.40
17.56
15.52
growth rate -66.6% 238.5% -41.1% -88.0% 870.4% 7.1% -11.6%
Leverage 3.52
3.93
3.40
3.15
3.36
3.18
3.15
3.43
3.47
3.65
4.11
growth rate 11.7% -13.5% -7.4% 6.7% -5.4% -0.9% 8.9% 1.2% 5.2% 12.6%
Balance Sheet Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Acct.Receivable 353.00
430.00
345.00
362.43
415.22
474.85
611.48
549.86
growth rate 21.8% -19.8% 5.1% 14.6% 14.4% 28.8% -10.1%
Acct.Payable 1,888.00
2,070.00
2,073.00
1,991.93
2,228.10
2,260.40
2,890.97
3,606.84
growth rate 9.6% 0.1% -3.9% 11.9% 1.5% 27.9% 24.8%
Cur.Assets 1,284.00
1,586.00
1,692.00
4,105.20
2,658.99
2,566.25
3,019.95
3,337.00
growth rate 23.5% 6.7% 142.6% -35.2% -3.5% 17.7% 10.5%
Total Assets 3,759.30
3,817.40
3,991.00
4,223.00
4,386.00
4,435.64
4,979.11
5,304.00
6,641.78
7,207.28
growth rate 1.6% 4.6% 5.8% 3.9% 1.1% 12.3% 6.5% 25.2% 8.5%
Cash 440.60
259.60
336.00
517.00
658.00
564.38
650.65
727.88
664.82
642.79
growth rate -41.1% 29.4% 53.9% 27.3% -14.2% 15.3% 11.9% -8.7% -3.3%
Cur.Liabilities 2,591.00
2,736.00
2,825.00
2,893.95
3,243.99
3,406.86
4,362.07
4,987.83
growth rate 5.6% 3.3% 2.4% 12.1% 5.0% 28.0% 14.4%
Liabilities 2,808.30
2,696.10
2,725.00
2,967.00
3,021.00
3,026.18
3,524.90
3,775.17
4,823.38
5,452.85
growth rate -4.0% 1.1% 8.9% 1.8% 0.2% 16.5% 7.1% 27.8% 13.1%
LT Debt 0.00
143.40
138.50
20.50
0.00
0.00
274.00
274.00
273.91
274.02
274.13
growth rate -3.4% -85.2% -100.0% 0.0% 0.0% 0.0% 0.0%
Equity 824.30
951.00
1,121.30
1,266.10
1,255.90
1,365.40
1,409.46
1,453.34
1,527.96
1,817.54
1,753.56
growth rate 15.4% 17.9% 12.9% -0.8% 8.7% 3.2% 3.1% 5.1% 19.0% -3.5%
Common Shares 285.00
272.00
270.00
274.00
278.00
320.00
330.00
335.00
298.00
291.00
291.00
growth rate -4.6% -0.7% 1.5% 1.5% 15.1% 3.1% 1.5% -11.0% -2.4% 0.0%
Cash Flow Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Capital Expenditures 10.29
8.10
11.70
3.00
3.00
3.00
4.55
11.73
19.27
5.77
6.72
growth rate -21.3% 44.4% -74.4% 0.0% 0.0% 51.5% 158.0% 64.3% -70.1% 16.5%
Cash Dividends 43.59
46.80
48.60
58.50
50.50
62.50
70.05
71.38
67.97
112.66
76.02
growth rate 7.4% 3.9% 20.4% -13.7% 23.8% 12.1% 1.9% -4.8% 65.7% -32.5%
Cash From OA -123.52
108.70
-140.03
271.00
258.00
225.00
115.90
341.95
71.52
56.89
68.73
growth rate 100.0% -100.0% 100.0% -4.8% -12.8% -48.5% 195.0% -79.1% -20.5% 20.8%
FCF per Share -0.47
0.70
-0.56
0.92
0.52
0.75
0.27
0.45
1.95
-1.15
0.40
growth rate 100.0% -100.0% 100.0% -43.5% 44.2% -64.0% 66.7% 333.3% -100.0% 100.0%
Sale Purchase of Stock 4.12
2.74
1.43
1.56
4.74
growth rate -33.5% -47.9% 8.9% 204.6%
FCF -134.00
282.00
-245.00
389.00
381.00
347.00
168.00
471.00
32.00
16.00
45.00
growth rate 100.0% -100.0% 100.0% -2.1% -8.9% -51.6% 180.4% -93.2% -50.0% 181.3%
Income Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Sales 1,080.00
867.34
1,300.77
1,253.00
1,187.00
1,305.00
1,364.03
1,392.43
1,487.55
1,783.24
1,997.70
growth rate -19.7% 50.0% -3.7% -5.3% 9.9% 4.5% 2.1% 6.8% 19.9% 12.0%
Op.Income 110.08
325.79
179.00
21.00
208.00
262.07
231.29
212.24
228.61
115.73
growth rate 196.0% -45.1% -88.3% 890.5% 26.0% -11.7% -8.2% 7.7% -49.4%
IBT 105.20
320.60
211.40
17.30
217.50
244.54
231.08
216.10
354.54
30.80
growth rate 204.8% -34.1% -91.8% 1,157.2% 12.4% -5.5% -6.5% 64.1% -91.3%
Net Income 70.80
280.50
179.00
21.00
208.00
237.76
216.15
209.90
336.99
26.31
growth rate 296.2% -36.2% -88.3% 890.5% 14.3% -9.1% -2.9% 60.6% -92.2%
EPS 0.67
0.38
1.68
1.01
0.12
1.05
1.19
1.00
1.04
1.43
0.12
growth rate -43.3% 342.1% -39.9% -88.1% 775.0% 13.3% -16.0% 4.0% 37.5% -91.6%
Gross Profit 660.55
387.96
837.55
413.00
219.00
483.00
538.97
542.14
473.72
505.00
360.99
growth rate -41.3% 115.9% -50.7% -47.0% 120.6% 11.6% 0.6% -12.6% 6.6% -28.5%

Quarterly Statements

Item Name Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Earnings BIT 70.50
-12.64
-12.64
93.86
93.86
growth rate -100.0% 0.0% 100.0% 0.0%
Balance Sheet Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Acct.Receivable 5.78
549.86
549.86
1,527.81
1,527.81
growth rate 9,409.8% 0.0% 177.9% 0.0%
Acct.Payable 3,280.73
3,606.84
3,606.84
5,744.11
5,744.11
growth rate 9.9% 0.0% 59.3% 0.0%
Cur.Assets 1,707.45
3,337.00
3,337.00
3,743.59
3,743.59
growth rate 95.4% 0.0% 12.2% 0.0%
Total Assets 6,970.76
7,207.28
7,207.28
11,042.06
11,042.06
growth rate 3.4% 0.0% 53.2% 0.0%
Cash 589.57
642.79
642.79
1,295.48
1,295.48
growth rate 9.0% 0.0% 101.5% 0.0%
Cur.Liabilities 4,774.17
4,987.83
4,987.83
7,840.11
7,840.11
growth rate 4.5% 0.0% 57.2% 0.0%
Liabilities 5,111.92
5,452.85
5,452.85
8,622.36
8,622.36
growth rate 6.7% 0.0% 58.1% 0.0%
LT Debt 274.07
274.13
274.13
719.76
719.76
growth rate 0.0% 0.0% 162.6% 0.0%
Equity 1,857.98
1,753.56
1,753.56
2,418.63
2,418.63
growth rate -5.6% 0.0% 37.9% 0.0%
Common Shares 19.10
19.14
19.14
33.96
33.96
growth rate 0.2% 0.0% 77.4% 0.0%
Cash Flow Statement Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Capital Expenditures 0.97
2.39
2.39
1.85
1.85
growth rate 145.0% 0.0% -22.3% 0.0%
Cash Dividends 25.62
12.39
12.39
38.00
38.00
growth rate -51.7% 0.0% 206.8% 0.0%
Cash From OA 83.87
-49.50
-49.50
254.83
254.83
growth rate -100.0% 0.0% 100.0% 0.0%
Sale Purchase of Stock 1.03
1.34
1.34
4.06
4.06
growth rate 31.0% 0.0% 202.4% 0.0%
FCF 82.89
-51.89
-51.89
252.98
252.98
growth rate -100.0% 0.0% 100.0% 0.0%
Income Statement Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Sales 502.49
496.36
496.36
660.86
660.86
growth rate -1.2% 0.0% 33.1% 0.0%
Op.Income 70.50
-12.64
-12.64
93.86
93.86
growth rate -100.0% 0.0% 100.0% 0.0%
IBT 51.31
-35.91
-35.91
81.80
81.80
growth rate -100.0% 0.0% 100.0% 0.0%
Net Income 48.95
-35.80
-35.80
76.53
76.53
growth rate -100.0% 0.0% 100.0% 0.0%
Gross Profit 131.35
49.15
49.15
190.17
190.17
growth rate -62.6% 0.0% 287.0% 0.0%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

F (16.49)

YOY Growth Grade:

E (28.57)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 68.87 69.68 13.01
EPS / Growth 5.4% 0.22 55.4%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 5.2%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 5.2% 5.3% 5.3%
Future PE 10.38 11.79 11.79
Future EPS 0.37 0.37 0.37
Value Price
MOS %
0.94
-93.9%
1.08
-93.0%
1.08
-93.0%
MOS Price 0.47 0.54 0.54
IRT 29.45 29.18 29.18

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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