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.
HiscoxLSE:HSX 70 EV-to-OCF is 9.97 as of Sep. 01, 2026, which is 79% below its 10-year median of 46.58. GuruFocus rates LSE:HSX with a GF Score™ of 70/100 and a GF Value™ of £14.49 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 502 Insurance companies, Hiscox ranks worse than 63.15% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Hiscox's Enterprise Value is £5,502 Mil.
Hiscox's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was £552 Mil. Therefore, Hiscox's EV-to-OCF for today is 9.97.
The historical rank and industry rank for Hiscox's EV-to-OCF or its related term are showing as below:
LSE:HSX'
s EV-to-OCF Range Over the Past 10 Years
Min: -32.25 Med: 46.58 Max: 227
Current: 9.97
During the past 13 years, the highest EV-to-OCF of Hiscox was 227.00. The lowest was -32.25. And the median was 46.58.
LSE:HSX's EV-to-OCF is ranked worse than 63.15% of 502
companies
in the Insurance industry
Industry Median: 6.485
vs LSE:HSX: 9.97
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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.
As of today (2026-09-01), Hiscox's stock price is £18.42.
Hiscox's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 was £1.417. Therefore, Hiscox's PE Ratio (TTM) for today is 13.00.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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 £18.42.
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 £1.417.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Hiscox EV-to-OCF Related Terms
Hiscox EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Hiscox's EV-to-OCF 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-OCF, along with its competitors' market caps and EV-to-OCF 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-OCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Hiscox's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Hiscox's EV-to-OCF falls into.
Hiscox's current Enterprise Value is £5,502 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Hiscox's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was £552 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 (LSE:HSX) has a EV-to-OCF of 9.97 as of Sep. 01, 2026. This is 79% below median its historical median of 46.58. According to the industry distribution chart, Hiscox ranks #317 out of 502 companies in the Insurance industry, placing it in the top 63.1%.
Is Hiscox's EV-to-OCF too high?
Hiscox's current EV-to-OCF of 9.97 is 79% below median its 10-year median of 46.58. The Insurance industry median EV-to-OCF is 6.49. Hiscox's value of 9.97 is 53.7% above this industry median. Based on the distribution chart, Hiscox ranks #317 out of 502 companies in the Insurance industry, which is below the industry midpoint. Overall, Hiscox has a GF Score™ of 70/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hiscox's EV-to-OCF compare to CB and PGR?
According to the Insurance industry distribution chart, Hiscox ranks #317 out of 502 companies for EV-to-OCF. This places Hiscox in the lower half of its industry. The industry median EV-to-OCF is 6.49. Hiscox's value of 9.97 is 53.7% above this benchmark. While the company's 10-year median is 46.58 vs. the industry median of 6.49, 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-OCF for an Insurance company?
The median EV-to-OCF among Insurance companies is 6.49, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hiscox's current EV-to-OCF of 9.97 is 53.7% 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-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median EV-to-OCF is 6.49 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hiscox's current EV-to-OCF is 9.97, which is 79% below median its own 10-year median of 46.58. 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 (LSE:HSX) is currently considered Modestly Overvalued. The stock's GF Value™ is £14.49, compared to a current price of £18.42 — trading 27.1% above its estimated fair value. The current EV-to-OCF is 9.97, which is 79% below median its 10-year median of 46.58 and 53.7% above the Insurance industry median of 6.49. Hiscox's overall GF Score™ is 70/100 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-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Hiscox (LSE:HSX), the current EV-to-OCF is 9.97 as of Sep. 01, 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 (LSE:HSX) Overvalued in 2026?
Based on GuruFocus' analysis, Hiscox stock appears to be overvalued.
The current stock price of £18.42 is trading 27.1% above its estimated GF Value™ of £14.49.
GuruFocus considers Hiscox to be Modestly Overvalued.
Key valuation signals for LSE:HSX:
EV-to-OCF: 9.97 (79% below median its 10-year median of 46.58)
GF Value™: £14.49 vs. price of £18.42 (27.1% above fair value)
Industry Position: 53.7% above the Insurance median (#317 of 502)
No single metric tells the full story. See the LSE:HSX 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.
70GF Score
Get the complete analysis for LSE:HSX
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
LSE:HSX has been successfully added to your 
