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Hiscox (HSX) investor relations material
Hiscox H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Insurance contract written premium grew 5.7% year-over-year to $2,941.6m, with all segments contributing and Retail leading growth.
Operating return on tangible equity reached 14.5%, aligning with mid-teens target.
Net asset value per share increased 15% year-over-year to 1,133.3¢, reflecting strong capital formation.
Interim dividend increased by 9.1% to 14.4¢ per share; share buyback upsized by $100m to $275m.
Change programme on track to deliver $25m P&L benefit in 2025, with early wins in technology and procurement.
Financial highlights
Insurance contract written premiums rose 5.7% year-over-year to $2,941.6m, with all segments growing.
Adjusted operating profit before tax was $262.0m, down year-over-year due to wildfire losses.
Investment result improved to $234.9m, driven by higher bond yields and fair value gains.
Reserve releases totaled $132.1m, mainly from prior year catastrophe events.
Group undiscounted combined ratio increased to 92.6% from 90.4% year-over-year.
Outlook and guidance
Retail expected to grow in excess of 6% in constant currency for the full year.
Change programme expected to deliver $25m P&L benefit in 2025.
Committed to progressive dividend policy and ongoing capital returns, with decisions on excess capital at year-end.
Targeting double-digit retail growth by 2028, supported by new products and technology investments.
Final 2025 dividend per share anticipated to increase by 20%.
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