HCXLF (Hiscox) Interest Expense: $-67 Mil (TTM As of Dec. 2025)

What is Hiscox Interest Expense?

Hiscox HCXLF 72 Interest Expense is $-67 Mil as of Dec. 2025. GuruFocus rates HCXLF with a GF Score™ of 72/100 and a GF Value™ of $19.05 (Modestly Overvalued). The stock has 7 warning signs investors should review.

Interest Expense is the amount reported by a company or individual as an expense for borrowed money. Hiscox's interest expense for the six months ended in Dec. 2025 was $ -38 Mil. Its interest expense for the trailing twelve months (TTM) ended in Dec. 2025 was $-67 Mil.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income(EBIT) by its Interest Expense. Hiscox's Operating Income for the six months ended in Dec. 2025 was $ 494 Mil. Hiscox's Interest Expense for the six months ended in Dec. 2025 was $ -38 Mil. Hiscox's Interest Coverage for the quarter that ended in Dec. 2025 was 13.13. The higher the ratio, the stronger the company's financial strength is. Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Hiscox (OTCPK:HCXLF) Interest Expense Explanation

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Hiscox's Interest Expense for the six months ended in Dec. 2025 was $-38 Mil. Its EBIT for the six months ended in Dec. 2025 was $494 Mil. And its Long-Term Debt & Capital Lease Obligation for the six months ended in Dec. 2025 was $895 Mil.

Hiscox's Interest Coverage for the quarter that ended in Dec. 2025 is calculated as

Interest Coverage	=	-1	*	EBIT (Q: Dec. 2025 )	/	Interest Expense (Q: Dec. 2025 )
	=	-1	*	493.7	/	-37.6
	=	13.13

* 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.

The higher the ratio, the stronger the company's financial strength is.

Hiscox Interest Expense Historical Data

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The historical data trend for Hiscox's Interest Expense can be seen below:

Hiscox Interest Expense Chart

Hiscox Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

Interest Expense

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-50.80

-39.70

-50.00

-53.10

-66.80

Hiscox Semi-Annual Data
	Jun16	Dec16	Jun17	Dec17	Jun18	Dec18	Jun19	Dec19	Jun20	Dec20	Jun21	Dec21	Jun22	Dec22	Jun23	Dec23	Jun24	Dec24	Jun25	Dec25
Interest Expense	Get a 7-Day Free Trial															-26.00	-25.40	-27.70	-29.20	-37.60

72GF Score

Hiscox Ltd HCXLF

Interest Expense is just one metric. See GF Score™, valuation, warning signs, and more.

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Hiscox Interest Expense Calculation

Interest Expense is the amount reported by a company or individual as an expense for borrowed money.

Interest Expense for the trailing twelve months (TTM) ended in Dec. 2025 adds up the semi-annually data reported by the company within the most recent 12 months, which was $-67 Mil.

Frequently Asked Questions Learn more about Interest Expense →

What does a Interest Expense of $-67 Mil mean?

Hiscox (HCXLF) has a Interest Expense of $-67 Mil as of Dec. 2025. Interest Expense is the amount a company pays on its long-term debt. View historical data on Hiscox and its competitors.

Is Hiscox's Interest Expense too high?

Hiscox's current Interest Expense is $-67 Mil. Overall, Hiscox has a GF Score™ of 72/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.

How does Hiscox's Interest Expense compare to CB and PGR?

Hiscox's Interest Expense of $-67 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good Interest Expense for an Insurance company?

A good Interest Expense depends on the Insurance industry context. However, Interest Expense should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high Interest Expense mean?

A high Interest Expense can signal that a stock is expensive relative to its fundamentals. Interest Expense is the amount a company pays on its long-term debt. View historical data on Hiscox and its competitors. Hiscox's current Interest Expense is $-67 Mil. 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 Modestly Overvalued. The stock's GF Value™ is $19.05, compared to a current price of $24.02 — trading 26.1% above its estimated fair value. The current Interest Expense is $-67 Mil. Hiscox's overall GF Score™ is 72/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is Interest Expense calculated?

Interest Expense is calculated from a company's financial statements. For Hiscox (HCXLF), the current Interest Expense is $-67 Mil as of Dec. 2025. 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 $24.02 is trading 26.1% above its estimated GF Value™ of $19.05. GuruFocus considers Hiscox to be Modestly Overvalued.

Key valuation signals for HCXLF:

Interest Expense: $-67 Mil
GF Value™: $19.05 vs. price of $24.02 (26.1% above fair value)
GF Score™: 72/100 with 7 warning signs

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 Business Description

Industry Financial Services Insurance

Comparable Companies LSE:ADM LSE:PGH CB PGR TSE:8766 TRV ALL HKSE:01339 HKSE:02328 TSE:8725 TSX:IFC TSX:FFH TSE:8630 CINF WRB ASX:QBE MKL L MIL:UNI XKRX:000810

Other Exchanges HCXLY:USA HSXl:UK HSX:UK H2X3:Germany

Address 96 Pitts Bay Road, Chesney House, Pembroke, BMU, HM 08

Website https://www.hiscoxgroup.com

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.

72GF Score

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Interest Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$24.02

Price

$19.05

GF Value

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