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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 lower than
95% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.35 vs. HCC: 0.09 )
Ranked among companies with meaningful Cash to Debt only.
HCC' s 10-Year Cash to Debt Range
Min: 0.01  Med: 0.12 Max: N/A
Current: 0.09
Equity to Asset 0.35
HCC's Equity to Asset is ranked higher than
70% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. HCC: 0.35 )
Ranked among companies with meaningful Equity to Asset only.
HCC' s 10-Year Equity to Asset Range
Min: 0.17  Med: 0.30 Max: 0.36
Current: 0.35
0.17
0.36
Interest Coverage 23.53
HCC's Interest Coverage is ranked lower than
53% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 36.81 vs. HCC: 23.53 )
Ranked among companies with meaningful Interest Coverage only.
HCC' s 10-Year Interest Coverage Range
Min: 3.88  Med: 22.40 Max: 56.86
Current: 23.53
3.88
56.86
F-Score: 3
WACC vs ROIC
4.41%
10.25%
WACC
ROIC
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 (%) 23.13
HCC's Operating margin (%) is ranked higher than
85% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.40 vs. HCC: 23.13 )
Ranked among companies with meaningful Operating margin (%) only.
HCC' s 10-Year Operating margin (%) Range
Min: 10.72  Med: 20.33 Max: 36.85
Current: 23.13
10.72
36.85
Net-margin (%) 16.28
HCC's Net-margin (%) is ranked higher than
80% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.58 vs. HCC: 16.28 )
Ranked among companies with meaningful Net-margin (%) only.
HCC' s 10-Year Net-margin (%) Range
Min: 5.91  Med: 14.95 Max: 23.46
Current: 16.28
5.91
23.46
ROE (%) 11.35
HCC's ROE (%) is ranked higher than
56% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.46 vs. HCC: 11.35 )
Ranked among companies with meaningful ROE (%) only.
HCC' s 10-Year ROE (%) Range
Min: 4.67  Med: 12.48 Max: 18.34
Current: 11.35
4.67
18.34
ROA (%) 4.09
HCC's ROA (%) is ranked higher than
74% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.77 vs. HCC: 4.09 )
Ranked among companies with meaningful ROA (%) only.
HCC' s 10-Year ROA (%) Range
Min: 1  Med: 3.86 Max: 5.04
Current: 4.09
1
5.04
Revenue Growth (3Y)(%) 7.70
HCC's Revenue Growth (3Y)(%) is ranked higher than
53% of the 115 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.40 vs. HCC: 7.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
HCC' s 10-Year Revenue Growth (3Y)(%) Range
Min: -0.4  Med: 9.60 Max: 30.6
Current: 7.7
-0.4
30.6
EBITDA Growth (3Y)(%) 25.80
HCC's EBITDA Growth (3Y)(%) is ranked higher than
60% of the 88 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 18.30 vs. HCC: 25.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
HCC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -23.8  Med: 13.10 Max: 54.3
Current: 25.8
-23.8
54.3
EPS Growth (3Y)(%) 26.00
HCC's EPS Growth (3Y)(%) is ranked higher than
59% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.60 vs. HCC: 26.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
HCC' s 10-Year EPS Growth (3Y)(%) Range
Min: -32.6  Med: 15.10 Max: 75.1
Current: 26
-32.6
75.1
» HCC's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2014

HCC Guru Trades in Q3 2014

John Burbank 5,175 sh (New)
Diamond Hill Capital 1,205,115 sh (+5.89%)
Third Avenue Management 1,048,935 sh (unchged)
Columbia Wanger 1,100,000 sh (unchged)
Jim Simons Sold Out
David Dreman 1,956 sh (-1.11%)
John Rogers 297,459 sh (-1.40%)
John Keeley 39,335 sh (-8.38%)
» More
Q4 2014

HCC Guru Trades in Q4 2014

Jim Simons 80,800 sh (New)
John Rogers 301,224 sh (+1.27%)
Columbia Wanger 1,100,000 sh (unchged)
John Burbank Sold Out
John Keeley 39,225 sh (-0.28%)
Diamond Hill Capital 1,139,286 sh (-5.46%)
David Dreman 1,737 sh (-11.20%)
Third Avenue Management 311,894 sh (-70.27%)
» More
Q1 2015

HCC Guru Trades in Q1 2015

David Dreman 3,894 sh (+124.18%)
John Rogers 305,996 sh (+1.58%)
Jim Simons Sold Out
John Keeley 38,745 sh (-1.22%)
Columbia Wanger 910,000 sh (-17.27%)
Third Avenue Management 213,395 sh (-31.58%)
Diamond Hill Capital 438,965 sh (-61.47%)
» More
Q2 2015

HCC Guru Trades in Q2 2015

Jim Simons 129,700 sh (New)
Mario Gabelli 148,500 sh (New)
Third Avenue Management 213,395 sh (unchged)
David Dreman Sold Out
John Keeley Sold Out
Columbia Wanger Sold Out
Diamond Hill Capital 430,850 sh (-1.85%)
John Rogers 170,831 sh (-44.17%)
» More
» Details

Insider Trades

Latest Guru Trades with HCC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 16.80
HCC's P/E(ttm) is ranked lower than
82% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.20 vs. HCC: 16.80 )
Ranked among companies with meaningful P/E(ttm) only.
HCC' s 10-Year P/E(ttm) Range
Min: 5.93  Med: 10.72 Max: 18.59
Current: 16.8
5.93
18.59
Forward P/E 18.25
HCC's Forward P/E is ranked lower than
82% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.05 vs. HCC: 18.25 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 16.70
HCC's PE(NRI) is ranked lower than
83% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.10 vs. HCC: 16.70 )
Ranked among companies with meaningful PE(NRI) only.
HCC' s 10-Year PE(NRI) Range
Min: 5.92  Med: 10.67 Max: 19.11
Current: 16.7
5.92
19.11
P/B 1.89
HCC's P/B is ranked lower than
81% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.25 vs. HCC: 1.89 )
Ranked among companies with meaningful P/B only.
HCC' s 10-Year P/B Range
Min: 0.76  Med: 1.20 Max: 2.34
Current: 1.89
0.76
2.34
P/S 2.70
HCC's P/S is ranked lower than
86% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.07 vs. HCC: 2.70 )
Ranked among companies with meaningful P/S only.
HCC' s 10-Year P/S Range
Min: 0.83  Med: 1.59 Max: 2.7
Current: 2.7
0.83
2.7
POCF 23.62
HCC's POCF is ranked lower than
87% of the 95 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.58 vs. HCC: 23.62 )
Ranked among companies with meaningful POCF only.
HCC' s 10-Year POCF Range
Min: 3.2  Med: 5.89 Max: 23.66
Current: 23.62
3.2
23.66
EV-to-EBIT 11.97
HCC's EV-to-EBIT is ranked lower than
77% of the 113 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.61 vs. HCC: 11.97 )
Ranked among companies with meaningful EV-to-EBIT only.
HCC' s 10-Year EV-to-EBIT Range
Min: 3.9  Med: 7.90 Max: 13.9
Current: 11.97
3.9
13.9
PEG 1.65
HCC's PEG is ranked lower than
72% of the 54 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.82 vs. HCC: 1.65 )
Ranked among companies with meaningful PEG only.
HCC' s 10-Year PEG Range
Min: 0.25  Med: 0.73 Max: 16.21
Current: 1.65
0.25
16.21
Shiller P/E 20.76
HCC's Shiller P/E is ranked lower than
71% of the 95 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.20 vs. HCC: 20.76 )
Ranked among companies with meaningful Shiller P/E only.
HCC' s 10-Year Shiller P/E Range
Min: 6.81  Med: 13.03 Max: 28.42
Current: 20.76
6.81
28.42
Days Sales Outstanding 123.18
HCC's Days Sales Outstanding is ranked lower than
71% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 87.94 vs. HCC: 123.18 )
Ranked among companies with meaningful Days Sales Outstanding only.
HCC' s 10-Year Days Sales Outstanding Range
Min: 76.1  Med: 207.26 Max: 664.19
Current: 123.18
76.1
664.19

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.53
HCC's Dividend Yield is ranked lower than
99% of the 178 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.97 vs. HCC: 1.53 )
Ranked among companies with meaningful Dividend Yield only.
HCC' s 10-Year Dividend Yield Range
Min: 0.81  Med: 1.79 Max: 2.72
Current: 1.53
0.81
2.72
Dividend Payout 0.25
HCC's Dividend Payout is ranked higher than
64% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.34 vs. HCC: 0.25 )
Ranked among companies with meaningful Dividend Payout only.
HCC' s 10-Year Dividend Payout Range
Min: 0.06  Med: 0.16 Max: 4.71
Current: 0.25
0.06
4.71
Dividend growth (3y) 20.10
HCC's Dividend growth (3y) is ranked higher than
75% of the 77 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.10 vs. HCC: 20.10 )
Ranked among companies with meaningful Dividend growth (3y) only.
HCC' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 11.70 Max: 49.3
Current: 20.1
0
49.3
Yield on cost (5-Year) 2.92
HCC's Yield on cost (5-Year) is ranked lower than
85% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.32 vs. HCC: 2.92 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
HCC' s 10-Year Yield on cost (5-Year) Range
Min: 1.55  Med: 3.42 Max: 5.19
Current: 2.92
1.55
5.19
Share Buyback Rate 3.60
HCC's Share Buyback Rate is ranked higher than
84% of the 88 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.60 vs. HCC: 3.60 )
Ranked among companies with meaningful Share Buyback Rate only.
HCC' s 10-Year Share Buyback Rate Range
Min: 4.6  Med: -2.60 Max: -8.3
Current: 3.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.49
HCC's Price/Tangible Book is ranked lower than
83% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.40 vs. HCC: 2.49 )
Ranked among companies with meaningful Price/Tangible Book only.
HCC' s 10-Year Price/Tangible Book Range
Min: 1.18  Med: 2.57 Max: 5.12
Current: 2.49
1.18
5.12
Price/Projected FCF 2.33
HCC's Price/Projected FCF is ranked lower than
96% of the 92 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.72 vs. HCC: 2.33 )
Ranked among companies with meaningful Price/Projected FCF only.
HCC' s 10-Year Price/Projected FCF Range
Min: 0.66  Med: 1.13 Max: 2.32
Current: 2.33
0.66
2.32
Price/DCF (Earnings Based) 1.24
HCC's Price/DCF (Earnings Based) is ranked lower than
78% of the 9 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.86 vs. HCC: 1.24 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.70
HCC's Price/Median PS Value is ranked lower than
94% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.02 vs. HCC: 1.70 )
Ranked among companies with meaningful Price/Median PS Value only.
HCC' s 10-Year Price/Median PS Value Range
Min: 0.67  Med: 1.23 Max: 3.27
Current: 1.7
0.67
3.27
Price/Peter Lynch Fair Value 1.12
HCC's Price/Peter Lynch Fair Value is ranked lower than
77% of the 43 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.68 vs. HCC: 1.12 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
HCC' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.27  Med: 0.89 Max: 12.79
Current: 1.12
0.27
12.79
Price/Graham Number 1.36
HCC's Price/Graham Number is ranked lower than
85% of the 110 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.85 vs. HCC: 1.36 )
Ranked among companies with meaningful Price/Graham Number only.
HCC' s 10-Year Price/Graham Number Range
Min: 0.65  Med: 1.25 Max: 3.93
Current: 1.36
0.65
3.93
Earnings Yield (Greenblatt) (%) 8.40
HCC's Earnings Yield (Greenblatt) (%) is ranked lower than
66% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.80 vs. HCC: 8.40 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
HCC' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 7.2  Med: 12.60 Max: 25.4
Current: 8.4
7.2
25.4
Forward Rate of Return (Yacktman) (%) 14.99
HCC's Forward Rate of Return (Yacktman) (%) is ranked lower than
53% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.82 vs. HCC: 14.99 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
HCC' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -4.6  Med: 13.60 Max: 36.7
Current: 14.99
-4.6
36.7

Analyst Estimate

Dec15 Dec16
EPS($) 3.96 4.23
EPS without NRI($) 3.96 4.23

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
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 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 financial products
» More Articles for HCC

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HCC INSURANCE HOLDINGS INC/DE/ Files SEC form 10-Q, Quarterly Report Aug 05 2015
HCC Insurance downgraded by RBC Capital Mkts Jul 29 2015
HCC Insurance misses Street 2Q forecasts Jul 28 2015
HCC Insurance misses Street 2Q forecasts Jul 28 2015
HCC Insurance Holdings Reports Earnings for the First Six Months of 2015 Jul 28 2015
HCC INSURANCE HOLDINGS INC/DE/ Files SEC form 8-K, Results of Operations and Financial Condition,... Jul 28 2015
HCC Insurance Holdings Reports Earnings for the First Six Months of 2015 Jul 28 2015
Q2 2015 HCC Insurance Holdings Inc Earnings Release - After Market Close Jul 28 2015
Japan's Meiji Yasuda to Buy StanCorp Financial for $5 Billion Jul 24 2015
HCC Cancels 2015 Second Quarter Conference Call Jul 21 2015
HCC Cancels 2015 Second Quarter Conference Call Jul 21 2015
HCC Schedules 2015 Second Quarter Earnings Release and Conference Call Jul 01 2015

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