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Market Price

21.45 

0.01 0.0%

as of Apr 25 '19

52 Week Range:

18.40 22.00


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 '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 7.60
8.07
7.81
7.79
8.42
8.19
growth rate 6.2% -3.2% -0.3% 8.1% -2.7%
Earnings BIT 262.07
231.29
212.24
228.61
115.73
185.31
growth rate -11.7% -8.2% 7.7% -49.4% 60.1%
Avg.PE 10.39
9.01
16.17
47.63
growth rate -13.3% 79.5% 194.6%
ROA 1.85
7.79
4.48
0.52
4.92
5.44
4.47
3.98
5.18
0.40
1.24
growth rate 321.1% -42.5% -88.4% 846.2% 10.6% -17.8% -11.0% 30.2% -92.3% 210.0%
ROE 6.85
28.30
14.65
1.69
16.08
17.23
14.67
13.74
18.45
1.54
5.46
growth rate 313.1% -48.2% -88.5% 851.5% 7.2% -14.9% -6.3% 34.3% -91.7% 254.6%
Leverage 3.93
3.40
3.15
3.36
3.18
3.15
3.43
3.47
3.65
4.11
4.68
growth rate -13.5% -7.4% 6.7% -5.4% -0.9% 8.9% 1.2% 5.2% 12.6% 13.9%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 345.00
362.43
415.22
474.85
611.48
549.86
13.58
growth rate 5.1% 14.6% 14.4% 28.8% -10.1% -97.5%
Acct.Payable 2,073.00
1,991.93
2,228.10
2,260.40
2,890.97
3,606.84
6,073.28
growth rate -3.9% 11.9% 1.5% 27.9% 24.8% 68.4%
Cur.Assets 1,692.00
4,105.20
2,658.99
2,566.25
3,019.95
3,337.00
3,760.46
growth rate 142.6% -35.2% -3.5% 17.7% 10.5% 12.7%
Total Assets 4,386.00
4,435.64
4,979.11
5,304.00
6,641.78
7,207.28
10,846.31
growth rate 1.1% 12.3% 6.5% 25.2% 8.5% 50.5%
Cash 658.00
564.38
650.65
727.88
664.82
642.79
1,043.85
growth rate -14.2% 15.3% 11.9% -8.7% -3.3% 62.4%
Cur.Liabilities 2,825.00
2,893.95
3,243.99
3,406.86
4,362.07
4,987.83
7,796.29
growth rate 2.4% 12.1% 5.0% 28.0% 14.4% 56.3%
Liabilities 3,021.00
3,026.18
3,524.90
3,775.17
4,823.38
5,452.85
8,529.19
growth rate 0.2% 16.5% 7.1% 27.8% 13.1% 56.4%
LT Debt 274.00
274.00
273.91
274.02
274.13
697.12
growth rate 0.0% 0.0% 0.0% 0.0% 154.3%
Equity 1,409.46
1,453.34
1,527.96
1,817.54
1,753.56
2,316.04
growth rate 3.1% 5.1% 19.0% -3.5% 32.1%
Common Shares 272.00
270.00
274.00
278.00
320.00
330.00
335.00
298.00
291.00
291.00
289.00
growth rate -0.7% 1.5% 1.5% 15.1% 3.1% 1.5% -11.0% -2.4% 0.0% -0.7%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 3.00
4.55
11.73
19.27
5.77
6.72
7.83
growth rate 51.5% 158.0% 64.3% -70.1% 16.5% 16.5%
Cash Dividends 70.05
71.38
67.97
112.66
76.02
105.70
growth rate 1.9% -4.8% 65.7% -32.5% 39.0%
Cash From OA 225.00
115.90
341.95
71.52
56.89
68.73
300.47
growth rate -48.5% 195.0% -79.1% -20.5% 20.8% 337.2%
FCF per Share 0.44
0.71
2.89
-1.41
0.54
1.13
growth rate 61.4% 307.0% -100.0% 100.0% 109.3%
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 282.00
-245.00
389.00
381.00
347.00
168.00
471.00
32.00
16.00
45.00
241.00
growth rate -100.0% 100.0% -2.1% -8.9% -51.6% 180.4% -93.2% -50.0% 181.3% 435.6%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 1,305.00
1,364.03
1,392.43
1,487.55
1,783.24
1,997.70
2,658.53
growth rate 4.5% 2.1% 6.8% 19.9% 12.0% 33.1%
Op.Income 208.00
262.07
231.29
212.24
228.61
115.73
185.31
growth rate 26.0% -11.7% -8.2% 7.7% -49.4% 60.1%
IBT 244.54
231.08
216.10
354.54
30.80
137.38
growth rate -5.5% -6.5% 64.1% -91.3% 346.1%
Net Income 208.00
237.76
216.15
209.90
336.99
26.31
128.00
growth rate 14.3% -9.1% -2.9% 60.6% -92.2% 386.5%
EPS 0.38
1.68
1.01
0.12
1.05
1.19
1.00
1.04
1.43
0.12
0.44
growth rate 342.1% -39.9% -88.1% 775.0% 13.3% -16.0% 4.0% 37.5% -91.6% 266.7%
Gross Profit 483.00
538.97
542.14
473.72
505.00
360.99
550.72
growth rate 11.6% 0.6% -12.6% 6.6% -28.5% 52.6%

Quarterly Statements

Item Name Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Earnings BIT -12.64
93.86
93.86
-1.20
-1.20
growth rate 100.0% 0.0% -100.0% 0.0%
Balance Sheet Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Acct.Receivable 549.86
1,527.81
1,527.81
13.58
13.58
growth rate 177.9% 0.0% -99.1% 0.0%
Acct.Payable 3,606.84
5,744.11
5,744.11
6,073.28
6,073.28
growth rate 59.3% 0.0% 5.7% 0.0%
Cur.Assets 3,337.00
3,743.59
3,743.59
3,760.46
3,760.46
growth rate 12.2% 0.0% 0.5% 0.0%
Total Assets 7,207.28
11,042.06
11,042.06
10,846.31
10,846.31
growth rate 53.2% 0.0% -1.8% 0.0%
Cash 642.79
1,295.48
1,295.48
1,043.85
1,043.85
growth rate 101.5% 0.0% -19.4% 0.0%
Cur.Liabilities 4,987.83
7,840.11
7,840.11
7,796.29
7,796.29
growth rate 57.2% 0.0% -0.6% 0.0%
Liabilities 5,452.85
8,622.36
8,622.36
8,529.19
8,529.19
growth rate 58.1% 0.0% -1.1% 0.0%
LT Debt 274.13
719.76
719.76
697.12
697.12
growth rate 162.6% 0.0% -3.1% 0.0%
Equity 1,753.56
2,418.63
2,418.63
2,316.04
2,316.04
growth rate 37.9% 0.0% -4.2% 0.0%
Common Shares 19.14
33.96
33.96
33.99
33.99
growth rate 77.4% 0.0% 0.1% 0.0%
Cash Flow Statement Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Capital Expenditures 2.39
1.85
1.85
2.06
2.06
growth rate -22.3% 0.0% 11.3% 0.0%
Cash Dividends 12.39
38.00
38.00
14.84
14.84
growth rate 206.8% 0.0% -60.9% 0.0%
Cash From OA -49.50
254.83
254.83
-104.60
-104.60
growth rate 100.0% 0.0% -100.0% 0.0%
Sale Purchase of Stock 1.34
4.06
4.06
growth rate 202.4% 0.0%
FCF -51.89
252.98
252.98
-106.66
-106.66
growth rate 100.0% 0.0% -100.0% 0.0%
Income Statement Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Sales 496.36
660.86
660.86
668.40
668.40
growth rate 33.1% 0.0% 1.1% 0.0%
Op.Income -12.64
93.86
93.86
-1.20
-1.20
growth rate 100.0% 0.0% -100.0% 0.0%
IBT -35.91
81.80
81.80
-13.11
-13.11
growth rate 100.0% 0.0% -100.0% 0.0%
Net Income -35.80
76.53
76.53
-12.53
-12.53
growth rate 100.0% 0.0% -100.0% 0.0%
Gross Profit 49.15
190.17
190.17
85.19
85.19
growth rate 287.0% 0.0% -55.2% 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:

D (43.72)

YOY Growth Grade:

E (28.73)

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 46.95 48.42
EPS / Growth 0.44

Value Price & Investment Recovery Time

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

Equity Growth Rate: 16.5%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 16.5% 16.5% 16.5%
Future PE 0.01 26.67 26.67
Future EPS 2.05 2.05 2.05
Value Price
MOS %
0.01
-100.0%
13.49
-37.1%
13.49
-37.1%
MOS Price 0.00 6.74 6.74
IRT 13.47 13.47 13.47

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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