)
)
Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Hiscox
Hiscox (HSX) investor relations material
Hiscox Q3 2026 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 TU earnings summary3 Nov, 2026
Executive summary
9M 2026 ICWP rose 9.5% to $4,437.2m; disciplined cycle management shaped big-ticket underwriting, with loss experience within expectations.
Retail ICWP grew 9.1% in constant currency, with accelerating, broad-based growth across the UK, Europe and USA.
Financial highlights
9M investment result was $104.2m, a 1.2% YTD return, versus $350.8m and 4.2% in 9M 2025; adjusted investment result was $296.4m versus $287.4m.
YTD unrealized fair value losses on debt and fixed-income holdings were $192.2m, reflecting higher government bond rates.
Outlook and guidance
Full-year Retail ICWP growth guidance is 9% in constant currency; momentum supports confidence in the double-digit Retail growth target for 2028.
Change programme is on track for $75m of 2026 P&L benefit at a cost to achieve of $75m; a $200m benefit is expected in 2028.
Retail combined ratio guidance remains 89–94, with ambition to move toward the bottom of the range as the programme progresses; further Re natural-catastrophe exposure reductions may follow if rates persist.
Partial view of Summaries dataset, powered by Quartr API
AI can get things wrong. Verify important information.Research faster. Power your platform.
Latest events from Hiscox
- Premiums up 10.1%, robust returns, and upgraded Retail outlook amid strong capital returns.HSX
H1 2026 - Written premiums up 10.2% to over $1.7B, with strong Retail growth and robust capital position.HSXQ1 2026 TU
- Record profit, strong capital returns, and decade-best combined ratio drive positive outlook.HSXH2 2025
- Premiums up 5.7%, ROTE at 14.5%, and $275m buyback highlight strong growth and returns.HSXH1 2025
- Profit before tax up 7.1% to $283.5m, ROE 16.5%, and strong capital returns.HSXH1 2024
- Premiums up 3% to $3.87B, investment income strong, capital returns planned.HSXQ3 2024 TU
- Premiums up 2.4% to $1.6B, Retail and Re & ILS drive growth, investment returns strong.HSXQ1 2025 TU
- Double-digit Retail growth, $200m efficiency gains, and higher dividends targeted by 2028.HSXCMD 2025
- Record profit, strong capital returns, and robust growth outlook despite catastrophe losses.HSXH2 2024
Next Hiscox earnings date
H2 202624 Feb, 2027
Hiscox
Next Hiscox earnings date
H2 202624 Feb, 2027
AI chat
Ask anything. Verify everything.
Ask across every event and document from public companies. Each answer links back to the exact line in the transcript, slide or filing it came from.Learn moreFind what matters
AI across all first-party IR material. Live calls, transcripts, slides, filings.)
Trust every finding
50m+ first-party documents. Every output traceable to its source.Find what matters
AI across all first-party IR material. Live calls, transcripts, slides, filings.Trust every finding
50m+ first-party documents. Every output traceable to its source.Automations
Zero in on what matters
Define the prompt once. It runs the moment a company publishes or on a schedule you set. Outputs map to the exact signals you choose.Learn more)
Event-triggered research
Runs when a company publishes new material. Trigger on the first published document for the earliest possible run, or wait for a specific one.)
Scheduled research
Runs on a recurring cadence you set. Daily, weekly, monthly, or quarterly, for aggregate reads across a period rather than a single event.Event-triggered research
Runs when a company publishes new material. Trigger on the first published document for the earliest possible run, or wait for a specific one.Scheduled research
Runs on a recurring cadence you set. Daily, weekly, monthly, or quarterly, for aggregate reads across a period rather than a single event.Live audio & transcripts
Be first
Join any earnings call live in one click, with no manual registration. Follow the transcript as it happens and jump straight to the moments that matter.Learn more)
Live earnings calls
Join any call in one click. The audio keeps playing while you work elsewhere in Quartr.)
Live transcripts
Speaker-by-speaker, in real time. Searchable across every live and historical call.Live earnings calls
Join any call in one click. The audio keeps playing while you work elsewhere in Quartr.Live transcripts
Speaker-by-speaker, in real time. Searchable across every live and historical call.Quartr MCP connects your AI environment to 17K+ public companies
Pull live transcripts, filings, and slides into Claude or Codex via MCP. Combine Quartr's global IR data with any other dataset. Run agentic research and monitoring.
Included with Quartr Pro at no extra cost.Learn more
Quartr's AI stands out because it only pulls clean, first-party data from public companies. In investing, that's everything.
Jamie Ross
Investment Manager, GAM Investments
GAM
GAM
Research that used to take hours now takes seconds with Quartr Pro. Tracking shifts in tone or extracting tables, it's as simple as typing a query.
Tom O'Hara
Investment Director
Ciena
Ciena
Before Quartr we spent hours manually compiling insights through the peer earnings cycle. Now, these tasks are done faster, with greater precision.
Gregg Lampf
VP of Investor Relations
Protean
Protean
Being able to ask specific questions across years of transcripts and reports and instantly get verified answers is a game-changer.
Pontus Dackmo
CEO & Investment Manager
)
)
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.