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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.H1 2025 earnings summary6 Aug, 2025
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%.
How will the Change Program affect gross to net?
Is $275M the new base level for buybacks?
Detail the U.S. middle market property distribution.
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Next Hiscox earnings date
Q3 2025 TU6 Nov, 2025
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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.
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