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Visual21 Nov 2025
Data center suppliers
Hiscox (HSX) investor relations material
Hiscox Q3 2025 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 TU earnings summary6 Nov, 2025
Executive summary
Group insurance contract written premiums (ICWP) rose 5.9% year-over-year to $4,052.9 million, with all segments contributing to growth as strategic execution continues.
Retail segment is on track for over 6% constant currency growth in 2025, supported by new business momentum and distribution deals.
Investment result reached $350.8 million, a 4.2% return year-to-date, driven by coupon, cash income, and mark-to-market gains.
The change programme is progressing, targeting a $25 million P&L benefit in 2025 and $200 million annually from 2028.
Financial highlights
Group ICWP increased 5.9% year-over-year to $4,052.9 million for the first nine months of 2025.
Retail ICWP grew 7.3% in USD (6.1% constant currency) for nine months, with Q3 discrete at 6.3%.
U.K. retail saw 8% constant currency growth, Europe 7.1% (driven by double-digit growth in Germany and France), and U.S. USDPD up 6.7%.
US broker premiums declined 1.2% due to slower new business, but improvement is expected in Q4.
Group invested assets grew to $9.4 billion as of 30 September 2025.
Outlook and guidance
Retail expected to deliver constant currency growth above 6% for the year.
Final 2025 dividend per share to increase 20%, pending board ratification, with a progressive policy thereafter.
The upsized $275 million share buyback is on track to complete ahead of FY 2025 results, with 65% completed by early November.
Ambition to reach double-digit retail growth by 2028, supported by broad-based momentum and management actions.
Board to consider further surplus capital returns at year-end.
US broker premium decline reversal drivers?
Impact of declining D&O/cyber rates?
How does AI enhance underwriting in London Market?
Reliance on US Broker for 2028 retail growth target?
Impact of softening market on Re & ILS retention?
London Market tech innovation competitive edge?
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H2 202526 Feb, 2026
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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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