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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 0.09
HCC's Cash to Debt is ranked higher than
68% of the 155 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 3.20 vs. HCC: 0.09 )
HCC' s 10-Year Cash to Debt Range
Min: 0.08   Max: No Debt
Current: 0.09

Equity to Asset 0.36
HCC's Equity to Asset is ranked higher than
95% of the 152 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.09 vs. HCC: 0.36 )
HCC' s 10-Year Equity to Asset Range
Min: 0.17   Max: 0.36
Current: 0.36

0.17
0.36
Interest Coverage 21.85
HCC's Interest Coverage is ranked higher than
87% of the 120 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 6.10 vs. HCC: 21.85 )
HCC' s 10-Year Interest Coverage Range
Min: 3.88   Max: 56.86
Current: 21.85

3.88
56.86
F-Score: 3
Z-Score: 1.24
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 22.58
HCC's Operating margin (%) is ranked higher than
98% of the 152 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.97 vs. HCC: 22.58 )
HCC' s 10-Year Operating margin (%) Range
Min: 10.72   Max: 36.85
Current: 22.58

10.72
36.85
Net-margin (%) 16.05
HCC's Net-margin (%) is ranked higher than
97% of the 152 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.79 vs. HCC: 16.05 )
HCC' s 10-Year Net-margin (%) Range
Min: 5.91   Max: 23.46
Current: 16.05

5.91
23.46
ROE (%) 11.08
HCC's ROE (%) is ranked higher than
88% of the 152 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.04 vs. HCC: 11.08 )
HCC' s 10-Year ROE (%) Range
Min: 3.96   Max: 16.82
Current: 11.08

3.96
16.82
ROA (%) 3.94
HCC's ROA (%) is ranked higher than
96% of the 152 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.74 vs. HCC: 3.94 )
HCC' s 10-Year ROA (%) Range
Min: 0.94   Max: 5.46
Current: 3.94

0.94
5.46
Revenue Growth (%) 8.30
HCC's Revenue Growth (%) is ranked higher than
91% of the 135 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.20 vs. HCC: 8.30 )
HCC' s 10-Year Revenue Growth (%) Range
Min: -0.4   Max: 30.6
Current: 8.3

-0.4
30.6
EBITDA Growth (%) 10.40
HCC's EBITDA Growth (%) is ranked higher than
87% of the 126 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.90 vs. HCC: 10.40 )
HCC' s 10-Year EBITDA Growth (%) Range
Min: -23.8   Max: 54.3
Current: 10.4

-23.8
54.3
EPS Growth (%) 10.70
HCC's EPS Growth (%) is ranked higher than
87% of the 127 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.00 vs. HCC: 10.70 )
HCC' s 10-Year EPS Growth (%) Range
Min: -32.6   Max: 75.1
Current: 10.7

-32.6
75.1
» HCC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2013

HCC Guru Trades in Q1 2013

Jeremy Grantham 16,031 sh (New)
Steven Cohen 11,479 sh (+63.89%)
John Rogers 323,439 sh (+4.82%)
Third Avenue Management 1,240,091 sh (+2.16%)
Columbia Wanger 1,100,000 sh (unchged)
Diamond Hill Capital 778,028 sh (-1.2%)
John Keeley 795,455 sh (-9.74%)
Chuck Royce 285,605 sh (-22.21%)
» More
Q2 2013

HCC Guru Trades in Q2 2013

Joel Greenblatt 5,061 sh (New)
Jim Simons 5,400 sh (New)
Steven Cohen 63,400 sh (+452.31%)
Diamond Hill Capital 932,433 sh (+19.85%)
Jeremy Grantham 17,231 sh (+7.49%)
Columbia Wanger 1,100,000 sh (unchged)
Chuck Royce Sold Out
John Rogers 320,264 sh (-0.98%)
Third Avenue Management 1,168,126 sh (-5.8%)
John Keeley 739,845 sh (-6.99%)
» More
Q3 2013

HCC Guru Trades in Q3 2013

Jim Simons 235,300 sh (+4257.41%)
Joel Greenblatt 6,013 sh (+18.81%)
Diamond Hill Capital 1,030,365 sh (+10.5%)
John Rogers 329,514 sh (+2.89%)
Third Avenue Management 1,173,376 sh (+0.45%)
Columbia Wanger 1,100,000 sh (unchged)
Jeremy Grantham Sold Out
John Keeley 642,155 sh (-13.2%)
Steven Cohen 9,130 sh (-85.6%)
» More
Q4 2013

HCC Guru Trades in Q4 2013

David Dreman 1,388 sh (New)
Paul Tudor Jones 4,925 sh (New)
Steven Cohen 17,534 sh (+92.05%)
Jim Simons 314,500 sh (+33.66%)
Third Avenue Management 1,234,679 sh (+5.22%)
Diamond Hill Capital 1,077,565 sh (+4.58%)
Joel Greenblatt 6,196 sh (+3.04%)
Columbia Wanger 1,100,000 sh (unchged)
John Rogers 329,240 sh (-0.08%)
John Keeley 44,205 sh (-93.12%)
» More
» Details

Insider Trades

Latest Guru Trades with HCC

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
John Keeley 2013-12-31 Reduce -93.12%0.48%$42.63 - $46.13 $ 45.41%44205
David Dreman 2013-12-31 New Buy$42.63 - $46.13 $ 45.41%1388
Joel Greenblatt 2013-06-30 New Buy0.01%$40.98 - $43.55 $ 45.47%5061
Ray Dalio 2011-12-31 Sold Out 0.02%$25.49 - $30.19 $ 45.467%0
Ray Dalio 2011-09-30 New Buy0.02%$24.89 - $31.67 $ 45.458%51788
David Dreman 2011-06-30 Sold Out $30.89 - $33.09 $ 45.442%0
George Soros 2011-03-31 Sold Out $28.94 - $31.9 $ 45.449%0
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 11.00
HCC's P/E(ttm) is ranked higher than
73% of the 139 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.90 vs. HCC: 11.00 )
HCC' s 10-Year P/E(ttm) Range
Min: 5.93   Max: 18.59
Current: 11

5.93
18.59
P/B 1.20
HCC's P/B is ranked higher than
67% of the 145 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.03 vs. HCC: 1.20 )
HCC' s 10-Year P/B Range
Min: 0.75   Max: 2.34
Current: 1.2

0.75
2.34
P/S 1.80
HCC's P/S is ranked lower than
57% of the 156 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.50 vs. HCC: 1.80 )
HCC' s 10-Year P/S Range
Min: 0.83   Max: 2.49
Current: 1.8

0.83
2.49
PFCF 17.20
HCC's PFCF is ranked higher than
60% of the 101 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.40 vs. HCC: 17.20 )
HCC' s 10-Year PFCF Range
Min: 3.2   Max: 17.32
Current: 17.2

3.2
17.32
EV-to-EBIT 8.90
HCC's EV-to-EBIT is ranked higher than
77% of the 142 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.00 vs. HCC: 8.90 )
HCC' s 10-Year EV-to-EBIT Range
Min: 5   Max: 18.1
Current: 8.9

5
18.1
PEG 1.40
HCC's PEG is ranked higher than
72% of the 81 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.40 vs. HCC: 1.40 )
HCC' s 10-Year PEG Range
Min: 0.25   Max: 15.77
Current: 1.4

0.25
15.77
Shiller P/E 13.60
HCC's Shiller P/E is ranked higher than
74% of the 85 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 13.39 vs. HCC: 13.60 )
HCC' s 10-Year Shiller P/E Range
Min: 6.81   Max: 28.42
Current: 13.6

6.81
28.42

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.90
HCC's Dividend Yield is ranked lower than
72% of the 117 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 2.80 vs. HCC: 1.90 )
HCC' s 10-Year Dividend Yield Range
Min: 0.81   Max: 2.72
Current: 1.9

0.81
2.72
Dividend Payout 0.19
HCC's Dividend Payout is ranked higher than
86% of the 109 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.35 vs. HCC: 0.19 )
HCC' s 10-Year Dividend Payout Range
Min: 0.07   Max: 0.48
Current: 0.19

0.07
0.48
Dividend growth (3y) 11.70
HCC's Dividend growth (3y) is ranked higher than
91% of the 76 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -5.80 vs. HCC: 11.70 )
HCC' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 49.3
Current: 11.7

0
49.3
Yield on cost (5-Year) 3.05
HCC's Yield on cost (5-Year) is ranked higher than
65% of the 117 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 2.80 vs. HCC: 3.05 )
HCC' s 10-Year Yield on cost (5-Year) Range
Min: 1.3   Max: 4.36
Current: 3.05

1.3
4.36
Share Buyback Rate 4.60
HCC's Share Buyback Rate is ranked higher than
94% of the 103 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -0.50 vs. HCC: 4.60 )
HCC' s 10-Year Share Buyback Rate Range
Min: 4.6   Max: -36.8
Current: 4.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.60
HCC's Price/Tangible Book is ranked higher than
72% of the 141 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.50 vs. HCC: 1.60 )
HCC' s 10-Year Price/Tangible Book Range
Min: 1.19   Max: 5.04
Current: 1.6

1.19
5.04
Price/DCF (Projected) 0.50
HCC's Price/DCF (Projected) is ranked higher than
75% of the 92 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.50 vs. HCC: 0.50 )
HCC' s 10-Year Price/DCF (Projected) Range
Min: 0.27   Max: 1.2
Current: 0.5

0.27
1.2
Price/Median PS Value 1.10
HCC's Price/Median PS Value is ranked higher than
74% of the 150 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.20 vs. HCC: 1.10 )
HCC' s 10-Year Price/Median PS Value Range
Min: 0.8   Max: 3.36
Current: 1.1

0.8
3.36
Price/Peter Lynch Fair Value 1.30
HCC's Price/Peter Lynch Fair Value is ranked higher than
58% of the 38 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.80 vs. HCC: 1.30 )
HCC' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.34   Max: 2.27
Current: 1.3

0.34
2.27
Price/Graham Number 0.90
HCC's Price/Graham Number is ranked higher than
73% of the 127 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.80 vs. HCC: 0.90 )
HCC' s 10-Year Price/Graham Number Range
Min: 0.76   Max: 3.22
Current: 0.9

0.76
3.22
Earnings Yield (Greenblatt) 11.20
HCC's Earnings Yield (Greenblatt) is ranked higher than
79% of the 150 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.20 vs. HCC: 11.20 )
HCC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 5.5   Max: 20
Current: 11.2

5.5
20
Forward Rate of Return (Yacktman) 16.65
HCC's Forward Rate of Return (Yacktman) is ranked higher than
79% of the 86 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 19.08 vs. HCC: 16.65 )
HCC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 6   Max: 58.1
Current: 16.65

6
58.1

Business Description

Industry: Insurance » Insurance - Diversified
Compare:BRK.A, ALIZF, AXAHY, ZFSVF, AIZ » details
Traded in other countries:HCZ.Germany
HCC Insurance Holdings, Inc. was incorporated in the state of Delaware in 1991. The Company provides specialized property and casualty, surety, and group life, accident and health insurance coverages and related agency and reinsurance brokerage services to commercial customers and individuals. It concentrates its activities in selected, narrowly defined, specialty lines of business. The Company has five underwriting segments: U.S. Property & Casualty, Professional Liability, Accident & Health, U.S. Surety & Credit and International. U.S. Property & Casualty segment includes specialty lines of insurance such as aviation, small account errors and omissions liability (E&O), public risk, contingency, disability, title and mortgage reinsurance, residual value, employment practices liability (EPLI), technical property, primary and excess casualty, and brown water marine written in the U.S. The majority of the business is primary coverage, and claims are reported and settled on a short to medium-term basis. Professional Liability segment primarily consists of its directors' and officers' (D&O) liability business. In addition, it write related professional liability and crime business coverages, including large account E&O liability, fiduciary liability, fidelity and bankers blanket bonds, and EPLI for some D&O policyholders. Accident & Health segment includes medical stop-loss, short-term domestic and international medical products, written in the United States. The majority of the business covers groups of employees, and claims are reported and settled quickly. U.S. Surety & Credit segment conducts business through separate specialty surety underwriting operations and credit underwriting operations. International segment includes energy, property treaty, liability, surety, credit, property (direct and facultative), ocean marine, accident and health and other smaller product lines written from operations in the United Kingdom, Spain and Ireland. The Company operates mainly in the United States, the United Kingdom, Spain, Bermuda and Ireland. Some of its operations have a broader international scope. The Company markets its products both directly to customers and through a network of independent and affiliated brokers, producers, agents and third party administrators. Its insurance companies are risk-bearing and focus their underwriting activities on providing insurance and/or reinsurance in the following lines of business: Diversified financial products; Group life, accident and health; Aviation; London market account and other specialty lines. The Company's underwriting agencies underwrite on behalf of its insurance companies and in certain situations for other unaffiliated insurance companies. The agencies specialize in the following types of business: contingency; directors' and officers' liability; individual disability; kidnap and ransom; employment practices liability; errors and omissions liability; public entity; various financi

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