)
Edge6 Mar 2026
Upvoted: The Story of Reddit
How Reddit built a unique platform around communities and conversation, turning human insight and intent into a distinctive business model.
Hiscox
Hiscox (HSX) investor relations material
Hiscox H2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2025 earnings summary25 Feb, 2026
Executive summary
2025 marked a pivotal year with record profit before tax of $733 million, the third consecutive year of record results, driven by accelerated growth, product innovation, and expanded distribution across all business segments.
Premiums increased by $275 million (6% year-over-year), with group ICWP up 5.9% to $4,979 million and profitable growth across all segments.
Book value per share grew 12%, operating ROTE reached 21%, and a $300 million share buyback plus a 20% dividend increase were announced.
Over the past three years, $1.1 billion has been returned to shareholders through dividends and buybacks, supported by strong organic capital generation and a robust balance sheet.
Financial highlights
Record profit before tax of $733 million, up 6.9% year-over-year, with adjusted operating profit before tax rising 8.9% to $744 million.
Insurance service result reached $614 million, supported by a record investment result of $443 million, up 15.3%.
Year-end BSCR at 233%, pro forma 211% after capital returns, above the 190%-200% target range.
Retail ICWP grew 6.3% in constant currency to over $2.6 billion, with retail now nearly half of group PBT.
London Market ICWP increased 1.6%, with an undiscounted combined ratio of 85.9%.
Outlook and guidance
Retail growth expected to accelerate to 8% in 2026 and reach double digits by 2028, with combined ratio guidance for retail at 89%-94%.
Change program on track to deliver $75 million P&L benefit in 2026 and $200 million by 2028.
No growth in net catastrophe exposure in reinsurance; capital to be deployed into retail and selective big-ticket opportunities.
Change programme P&L benefits vs costs to 2028
AI deployment status for Retail fraud and claims
London Market transition framework data flags
How is retail growth sustained without rate?
AI's role in new product development?
Change program: Are benefits sustainable?
Partial view of Summaries dataset, powered by Quartr API
AI can get things wrong. Verify important information.Research faster. Power your platform.
Next Hiscox earnings date
H1 20265 Aug, 2026
Hiscox
Next Hiscox earnings date
H1 20265 Aug, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Hiscox Ltd is a global insurance company that provides a range of specialist insurance products for individuals and businesses. The company focuses on areas such as property, casualty, professional liability, and specialty insurance. Hiscox serves a variety of sectors, including small businesses, technology, media, and the arts, offering tailored policies that address unique risks. In addition to its commercial insurance offerings, Hiscox provides high-net-worth individuals with personal insurance for homes, fine art, and collectibles. The company operates through a network of brokers and direct-to-consumer channels. The company is headquartered in Hamilton, Bermuda, and its shares are listed on the LSE.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage