Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
HiscoxHCXLF 71 EV-to-EBITDA is 8.76 as of Aug. 08, 2026, which is 10% below its 10-year median of 9.71. GuruFocus rates HCXLF with a GF Score™ of 71/100 and a GF Value™ of $18.15 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 349 Insurance companies, Hiscox ranks worse than 53.01% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, Hiscox's enterprise value is $7,315 Mil.
Hiscox's EBITDA for the trailing twelve months (TTM) ended in Jun. 2026 was $836 Mil. Therefore, Hiscox's EV-to-EBITDA for today is 8.76.
The historical rank and industry rank for Hiscox's EV-to-EBITDA or its related term are showing as below:
HCXLF'
s EV-to-EBITDA Range Over the Past 10 Years
Min: -22.52 Med: 9.71 Max: 61.22
Current: 8.69
During the past 13 years, the highest EV-to-EBITDA of Hiscox was 61.22. The lowest was -22.52. And the median was 9.71.
HCXLF's EV-to-EBITDA is ranked worse than 53.01% of 349
companies
in the Insurance industry
Industry Median: 8.23
vs HCXLF: 8.69
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
As of today (2026-08-08), Hiscox's stock price is $23.7875.
Hiscox's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 was $1.894. Therefore, Hiscox's PE Ratio (TTM) for today is 12.56.
The "classic" EV-to-EBITDA is much better in capturing debt and net cash than the PE Ratio (TTM).
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Hiscox's share price for today is $23.7875.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Hiscox's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 was $1.894.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for Hiscox's EV-to-EBITDA can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Insurance - Property & Casualty subindustry, Hiscox's EV-to-EBITDA, along with its competitors' market caps and EV-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Hiscox EV-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Hiscox's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Hiscox's EV-to-EBITDA falls into.
Hiscox's current Enterprise Value is $7,315 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Hiscox's EBITDA for the trailing twelve months (TTM) ended in Jun. 2026 was $836 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Hiscox (HCXLF) has a EV-to-EBITDA of 8.76 as of Aug. 08, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Hiscox. This is 10% below median its historical median of 9.71. According to the industry distribution chart, Hiscox ranks #185 out of 349 companies in the Insurance industry, placing it in the top 53%.
Is Hiscox's EV-to-EBITDA too high?
Hiscox's current EV-to-EBITDA of 8.76 is 10% below median its 10-year median of 9.71. The Insurance industry median EV-to-EBITDA is 8.23. Hiscox's value of 8.76 is 6.4% above this industry median. Based on the distribution chart, Hiscox ranks #185 out of 349 companies in the Insurance industry, which is below the industry midpoint. Overall, Hiscox has a GF Score™ of 71/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hiscox's EV-to-EBITDA compare to CB and PGR?
According to the Insurance industry distribution chart, Hiscox ranks #185 out of 349 companies for EV-to-EBITDA. This places Hiscox in the lower half of its industry. The industry median EV-to-EBITDA is 8.23. Hiscox's value of 8.76 is 6.4% above this benchmark. While the company's 10-year median is 9.71 vs. the industry median of 8.23, Hiscox has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-EBITDA for an Insurance company?
The median EV-to-EBITDA among Insurance companies is 8.23, based on 349 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hiscox's current EV-to-EBITDA of 8.76 is 6.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Hiscox. For the Insurance industry, the median EV-to-EBITDA is 8.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hiscox's current EV-to-EBITDA is 8.76, which is 10% below median its own 10-year median of 9.71. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hiscox stock overvalued right now?
Based on GuruFocus' analysis, Hiscox (HCXLF) is currently considered Significantly Overvalued. The stock's GF Value™ is $18.15, compared to a current price of $23.79 — trading 31.1% above its estimated fair value. The current EV-to-EBITDA is 8.76, which is 10% below median its 10-year median of 9.71 and 6.4% above the Insurance industry median of 8.23. Hiscox's overall GF Score™ is 71/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For Hiscox (HCXLF), the current EV-to-EBITDA is 8.76 as of Aug. 08, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Hiscox (HCXLF) Overvalued in 2026?
Based on GuruFocus' analysis, Hiscox stock appears to be overvalued.
The current stock price of $23.79 is trading 31.1% above its estimated GF Value™ of $18.15.
GuruFocus considers Hiscox to be Significantly Overvalued.
Key valuation signals for HCXLF:
EV-to-EBITDA: 8.76 (10% below median its 10-year median of 9.71)
GF Value™: $18.15 vs. price of $23.79 (31.1% above fair value)
Industry Position: 6.4% above the Insurance median (#185 of 349)
No single metric tells the full story. See the HCXLF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hiscox Ltd is a property and casualty insurance company. The company aims to balance catastrophe-exposed businesses with less volatile local specialty businesses. Its product offerings include property, casualty, crisis management (covering terrorism and kidnap and ransom), marine, energy, and specialty areas like space insurance. The company's operating segments consist of Hiscox Retail, Hiscox London Market, Hiscox Re, and Other. The majority of the revenue is generated from its Hiscox Retail segment, which represents retail business divisions in the UK, Europe, the USA, and Asia. Geographically, the company earns insurance revenue from places like the United States, which generates key revenue, as well as the United Kingdom, Europe, and other regions.
71GF Score
Get the complete analysis for HCXLF
EV-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
HCXLF has been successfully added to your 
