{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "58885a73-2d72-46cc-a7d1-9b5a70764cb2",
    "symbol": "HSX",
    "name": "Hiscox Ltd",
    "exchange": "LSE",
    "country_code": "GB",
    "country_name": "United Kingdom",
    "sector": "Financial Services",
    "industry": "Insurance - Property & Casualty",
    "chart_url": "https://sharemaestro.com/terminal/58885a73-2d72-46cc-a7d1-9b5a70764cb2/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "58885a73-2d72-46cc-a7d1-9b5a70764cb2",
      "symbol": "HSX",
      "name": "Hiscox Ltd",
      "exchange": "LSE",
      "country_code": "GB",
      "country_name": "United Kingdom",
      "sector": "Financial Services",
      "industry": "Insurance - Property & Casualty",
      "chart_url": "https://sharemaestro.com/terminal/58885a73-2d72-46cc-a7d1-9b5a70764cb2/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "HSX.L",
    "market_cap": 5644386816.0,
    "market_cap_usd": 550473125768.0,
    "price": 1761.0,
    "currency": "GBP",
    "dividend_yield": 0.0214,
    "dividend_years": 18,
    "dividend_growth_5y": -0.00467995,
    "dividend_cut_5y": true,
    "payout_ratio": 0.2529,
    "net_income": 604100000.0,
    "free_cash_flow": 26400000.0,
    "fcf_covers_dividend": false,
    "debt_to_equity": 0.22848,
    "revenue_growth_5y": 0.11506187,
    "net_margin": 0.15010999,
    "roe": 0.15819,
    "pe_ratio": 13.442749,
    "price_vs_ma": 0.15757868,
    "return_3y": 0.65326114,
    "return_5y": 1.07697369,
    "max_drawdown": -0.28383554,
    "scores": {
      "dividend_reliability": 11.5,
      "dividend_sustainability": 15.0,
      "business_quality": 25.0,
      "valuation": 13.0,
      "trend": 15.0,
      "total": 79.5,
      "confidence": 100.0
    },
    "rating": "high_quality",
    "rating_label": "High Quality Watchlist Candidate",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "Price currency GBP differs from financial currency USD.",
      "Dividend cut or material annual decrease detected in the last five completed years.",
      "Free cash flow does not cover dividends paid."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/58885a73-2d72-46cc-a7d1-9b5a70764cb2/",
      "chart": "https://sharemaestro.com/terminal/58885a73-2d72-46cc-a7d1-9b5a70764cb2/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 11.5,
    "dividend_sustainability": 15.0,
    "business_quality": 25.0,
    "valuation": 13.0,
    "trend": 15.0,
    "total": 79.5,
    "confidence": 100.0
  },
  "warnings": [
    "Price currency GBP differs from financial currency USD.",
    "Dividend cut or material annual decrease detected in the last five completed years.",
    "Free cash flow does not cover dividends paid."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "HSX",
      "exchange": "LSE",
      "headline": "HSX dividend review warning",
      "detail": "Free cash flow does not cover dividends paid.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/58885a73-2d72-46cc-a7d1-9b5a70764cb2/"
    },
    {
      "event_date": "2026-04-23",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "HSX",
      "exchange": "LSE",
      "headline": "Dividend increased 149.9%",
      "detail": "Payment changed from 10.7 to 26.74.",
      "amount": 26.74,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/58885a73-2d72-46cc-a7d1-9b5a70764cb2/"
    },
    {
      "event_date": "2026-04-23",
      "event_type": "payment",
      "severity": "info",
      "ticker": "HSX",
      "exchange": "LSE",
      "headline": "HSX dividend payment 26.74 GBP",
      "detail": "Recorded dividend payment for Hiscox Ltd.",
      "amount": 26.74,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/58885a73-2d72-46cc-a7d1-9b5a70764cb2/"
    },
    {
      "event_date": "2025-08-14",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "HSX",
      "exchange": "LSE",
      "headline": "Dividend cut -51.9%",
      "detail": "Payment changed from 22.23 to 10.7.",
      "amount": 10.7,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/58885a73-2d72-46cc-a7d1-9b5a70764cb2/"
    },
    {
      "event_date": "2025-08-14",
      "event_type": "payment",
      "severity": "info",
      "ticker": "HSX",
      "exchange": "LSE",
      "headline": "HSX dividend payment 10.7 GBP",
      "detail": "Recorded dividend payment for Hiscox Ltd.",
      "amount": 10.7,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/58885a73-2d72-46cc-a7d1-9b5a70764cb2/"
    },
    {
      "event_date": "2025-04-24",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "HSX",
      "exchange": "LSE",
      "headline": "Dividend increased 121.2%",
      "detail": "Payment changed from 10.05 to 22.23.",
      "amount": 22.23,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/58885a73-2d72-46cc-a7d1-9b5a70764cb2/"
    },
    {
      "event_date": "2025-04-24",
      "event_type": "payment",
      "severity": "info",
      "ticker": "HSX",
      "exchange": "LSE",
      "headline": "HSX dividend payment 22.23 GBP",
      "detail": "Recorded dividend payment for Hiscox Ltd.",
      "amount": 22.23,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/58885a73-2d72-46cc-a7d1-9b5a70764cb2/"
    },
    {
      "event_date": "2024-08-15",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "HSX",
      "exchange": "LSE",
      "headline": "Dividend decreased -48.8%",
      "detail": "Payment changed from 19.63 to 10.05.",
      "amount": 10.05,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/58885a73-2d72-46cc-a7d1-9b5a70764cb2/"
    },
    {
      "event_date": "2024-08-15",
      "event_type": "payment",
      "severity": "info",
      "ticker": "HSX",
      "exchange": "LSE",
      "headline": "HSX dividend payment 10.05 GBP",
      "detail": "Recorded dividend payment for Hiscox Ltd.",
      "amount": 10.05,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/58885a73-2d72-46cc-a7d1-9b5a70764cb2/"
    },
    {
      "event_date": "2024-05-02",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "HSX",
      "exchange": "LSE",
      "headline": "Dividend increased 96.5%",
      "detail": "Payment changed from 9.99 to 19.63.",
      "amount": 19.63,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/58885a73-2d72-46cc-a7d1-9b5a70764cb2/"
    },
    {
      "event_date": "2024-05-02",
      "event_type": "payment",
      "severity": "info",
      "ticker": "HSX",
      "exchange": "LSE",
      "headline": "HSX dividend payment 19.63 GBP",
      "detail": "Recorded dividend payment for Hiscox Ltd.",
      "amount": 19.63,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/58885a73-2d72-46cc-a7d1-9b5a70764cb2/"
    },
    {
      "event_date": "2023-08-17",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "HSX",
      "exchange": "LSE",
      "headline": "Dividend decreased -48.5%",
      "detail": "Payment changed from 19.39 to 9.99.",
      "amount": 9.99,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/58885a73-2d72-46cc-a7d1-9b5a70764cb2/"
    },
    {
      "event_date": "2023-08-17",
      "event_type": "payment",
      "severity": "info",
      "ticker": "HSX",
      "exchange": "LSE",
      "headline": "HSX dividend payment 9.99 GBP",
      "detail": "Recorded dividend payment for Hiscox Ltd.",
      "amount": 9.99,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/58885a73-2d72-46cc-a7d1-9b5a70764cb2/"
    },
    {
      "event_date": "2023-05-04",
      "event_type": "payment",
      "severity": "info",
      "ticker": "HSX",
      "exchange": "LSE",
      "headline": "HSX dividend payment 19.39 GBP",
      "detail": "Recorded dividend payment for Hiscox Ltd.",
      "amount": 19.390001,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/58885a73-2d72-46cc-a7d1-9b5a70764cb2/"
    },
    {
      "event_date": "2022-08-11",
      "event_type": "payment",
      "severity": "info",
      "ticker": "HSX",
      "exchange": "LSE",
      "headline": "HSX dividend payment 10.37 GBP",
      "detail": "Recorded dividend payment for Hiscox Ltd.",
      "amount": 10.37,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/58885a73-2d72-46cc-a7d1-9b5a70764cb2/"
    },
    {
      "event_date": "2022-05-05",
      "event_type": "payment",
      "severity": "info",
      "ticker": "HSX",
      "exchange": "LSE",
      "headline": "HSX dividend payment 18.3 GBP",
      "detail": "Recorded dividend payment for Hiscox Ltd.",
      "amount": 18.3,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/58885a73-2d72-46cc-a7d1-9b5a70764cb2/"
    },
    {
      "event_date": "2021-08-12",
      "event_type": "payment",
      "severity": "info",
      "ticker": "HSX",
      "exchange": "LSE",
      "headline": "HSX dividend payment 8.33 GBP",
      "detail": "Recorded dividend payment for Hiscox Ltd.",
      "amount": 8.33,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/58885a73-2d72-46cc-a7d1-9b5a70764cb2/"
    },
    {
      "event_date": "2019-08-08",
      "event_type": "payment",
      "severity": "info",
      "ticker": "HSX",
      "exchange": "LSE",
      "headline": "HSX dividend payment 11.28 GBP",
      "detail": "Recorded dividend payment for Hiscox Ltd.",
      "amount": 11.280001,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/58885a73-2d72-46cc-a7d1-9b5a70764cb2/"
    },
    {
      "event_date": "2019-05-09",
      "event_type": "payment",
      "severity": "info",
      "ticker": "HSX",
      "exchange": "LSE",
      "headline": "HSX dividend payment 22.59 GBP",
      "detail": "Recorded dividend payment for Hiscox Ltd.",
      "amount": 22.59,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/58885a73-2d72-46cc-a7d1-9b5a70764cb2/"
    }
  ]
}