HCXLF (Hiscox) Moat Score: 5/10 (As of Jul. 02, 2026)


HCXLF Hiscox Ltd HCXLF
73 GF Score
Price $24.02
GF Value $18.15
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Hiscox Moat Score?

Hiscox HCXLF 73 Moat Score is 5 as of Jul. 02, 2026. GuruFocus rates HCXLF with a GF Score™ of 73/100 and a GF Value™ of $18.15 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 599 Insurance companies, Hiscox ranks better than 88.81% on this metric.

Hiscox has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Hiscox has Narrow Moat: Hiscox Ltd benefits from a solid brand and customer loyalty in the insurance sector. It has some pricing power and economies of scale, but lacks significant network effects or regulatory barriers. The company's moat is discernible but not wide.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Hiscox might have Narrow Moat - Solid narrow moat.

Hiscox  (OTCPK:HCXLF) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Hiscox Moat Score Related Terms

HCXLF vs CB, PGR, TRV: Moat Score Comparison

For the Insurance - Property & Casualty subindustry, Hiscox's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, Hiscox's Moat Score distribution charts can be found below:

* The bar in red indicates where Hiscox's Moat Score falls into.


HCXLF
73GF Score
Hiscox Ltd HCXLF
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
Hiscox (HCXLF) has a Moat Score of 5 as of Jul. 02, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Hiscox ranks #67 out of 599 companies in the Insurance industry, placing it in the top 11.2%.
Is Hiscox's Moat Score too high?
Hiscox's current Moat Score is 5. Based on the distribution chart, Hiscox ranks #67 out of 599 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Hiscox has a GF Score™ of 73/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hiscox's Moat Score compare to CB and PGR?
According to the Insurance industry distribution chart, Hiscox ranks #67 out of 599 companies for Moat Score. This places Hiscox in the top 11% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Hiscox's current Moat Score is 5. 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 $24.02 — trading 32.3% above its estimated fair value. The current Moat Score is 5. Hiscox's overall GF Score™ is 73/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Hiscox (HCXLF), the current Moat Score is 5 as of Jul. 02, 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 $24.02 is trading 32.3% above its estimated GF Value™ of $18.15. GuruFocus considers Hiscox to be Significantly Overvalued.

Key valuation signals for HCXLF:

  • Moat Score: 5
  • GF Value™: $18.15 vs. price of $24.02 (32.3% above fair value)
  • GF Score™: 73/100 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

Address 96 Pitts Bay Road, Chesney House, Pembroke, BMU, HM 08
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.
73GF Score

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

$24.02
Price
$18.15
GF Value