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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 0.12
HCC's Cash to Debt is ranked higher than
57% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.82 vs. HCC: 0.12 )
HCC' s 10-Year Cash to Debt Range
Min: 0.08   Max: No Debt
Current: 0.12

Equity to Asset 0.36
HCC's Equity to Asset is ranked higher than
87% of the 217 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.26 vs. HCC: 0.36 )
HCC' s 10-Year Equity to Asset Range
Min: 0.17   Max: 0.36
Current: 0.36

0.17
0.36
Interest Coverage 23.53
HCC's Interest Coverage is ranked higher than
74% of the 188 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 18.39 vs. HCC: 23.53 )
HCC' s 10-Year Interest Coverage Range
Min: 3.88   Max: 56.86
Current: 23.53

3.88
56.86
F-Score: 6
Z-Score: 1.40
WACC vs ROIC
7.22%
10.91%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

vs
industry
vs
history
Operating margin (%) 24.95
HCC's Operating margin (%) is ranked higher than
94% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.23 vs. HCC: 24.95 )
HCC' s 10-Year Operating margin (%) Range
Min: 10.72   Max: 36.85
Current: 24.95

10.72
36.85
Net-margin (%) 17.28
HCC's Net-margin (%) is ranked higher than
90% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.80 vs. HCC: 17.28 )
HCC' s 10-Year Net-margin (%) Range
Min: 5.91   Max: 23.46
Current: 17.28

5.91
23.46
ROE (%) 11.96
HCC's ROE (%) is ranked higher than
79% of the 217 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.20 vs. HCC: 11.96 )
HCC' s 10-Year ROE (%) Range
Min: 4.67   Max: 18.34
Current: 11.96

4.67
18.34
ROA (%) 4.29
HCC's ROA (%) is ranked higher than
86% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.20 vs. HCC: 4.29 )
HCC' s 10-Year ROA (%) Range
Min: 1   Max: 5.04
Current: 4.29

1
5.04
Revenue Growth (3Y)(%) 7.70
HCC's Revenue Growth (3Y)(%) is ranked higher than
76% of the 194 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.30 vs. HCC: 7.70 )
HCC' s 10-Year Revenue Growth (3Y)(%) Range
Min: -7.6   Max: 31.5
Current: 7.7

-7.6
31.5
EBITDA Growth (3Y)(%) 25.80
HCC's EBITDA Growth (3Y)(%) is ranked higher than
83% of the 170 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 18.20 vs. HCC: 25.80 )
HCC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -24.5   Max: 55.7
Current: 25.8

-24.5
55.7
EPS Growth (3Y)(%) 26.00
HCC's EPS Growth (3Y)(%) is ranked higher than
80% of the 155 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 18.10 vs. HCC: 26.00 )
HCC' s 10-Year EPS Growth (3Y)(%) Range
Min: -29.7   Max: 67.9
Current: 26

-29.7
67.9
» HCC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2014

HCC Guru Trades in Q1 2014

David Dreman 1,450 sh (+4.47%)
Jim Simons 323,000 sh (+2.70%)
Diamond Hill Capital 1,093,155 sh (+1.45%)
Columbia Wanger 1,100,000 sh (unchged)
Steven Cohen Sold Out
Paul Tudor Jones Sold Out
Third Avenue Management 1,234,598 sh (-0.01%)
John Keeley 43,325 sh (-1.99%)
John Rogers 307,940 sh (-6.47%)
Joel Greenblatt 4,391 sh (-29.13%)
» More
Q2 2014

HCC Guru Trades in Q2 2014

David Dreman 1,978 sh (+36.41%)
Diamond Hill Capital 1,138,100 sh (+4.11%)
Columbia Wanger 1,100,000 sh (unchged)
Joel Greenblatt Sold Out
John Keeley 42,935 sh (-0.90%)
John Rogers 301,685 sh (-2.03%)
Third Avenue Management 1,048,935 sh (-15.04%)
Jim Simons 92,900 sh (-71.24%)
» More
Q3 2014

HCC Guru Trades in Q3 2014

John Burbank 5,175 sh (New)
Diamond Hill Capital 1,205,115 sh (+5.89%)
Columbia Wanger 1,100,000 sh (unchged)
Third Avenue Management 1,048,935 sh (unchged)
Jim Simons Sold Out
David Dreman 1,956 sh (-1.11%)
John Rogers 297,459 sh (-1.40%)
John Keeley 39,335 sh (-8.38%)
» More
Q4 2014

HCC Guru Trades in Q4 2014

Jim Simons 80,800 sh (New)
John Rogers 301,224 sh (+1.27%)
Columbia Wanger 1,100,000 sh (unchged)
John Burbank Sold Out
John Keeley 39,225 sh (-0.28%)
Diamond Hill Capital 1,139,286 sh (-5.46%)
David Dreman 1,737 sh (-11.20%)
Third Avenue Management 311,894 sh (-70.27%)
» More
» Details

Insider Trades

Latest Guru Trades with HCC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 12.80
HCC's P/E(ttm) is ranked higher than
75% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.50 vs. HCC: 12.80 )
HCC' s 10-Year P/E(ttm) Range
Min: 5.87   Max: 18.56
Current: 12.8

5.87
18.56
Forward P/E 13.48
HCC's Forward P/E is ranked higher than
76% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.76 vs. HCC: 13.48 )
N/A
PE(NRI) 12.40
HCC's PE(NRI) is ranked higher than
77% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.20 vs. HCC: 12.40 )
HCC' s 10-Year PE(NRI) Range
Min: 5.88   Max: 19.11
Current: 12.4

5.88
19.11
P/B 1.40
HCC's P/B is ranked higher than
71% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.39 vs. HCC: 1.40 )
HCC' s 10-Year P/B Range
Min: 0.75   Max: 2.34
Current: 1.4

0.75
2.34
P/S 2.09
HCC's P/S is ranked lower than
52% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.21 vs. HCC: 2.09 )
HCC' s 10-Year P/S Range
Min: 0.83   Max: 2.26
Current: 2.09

0.83
2.26
POCF 11.79
HCC's POCF is ranked higher than
70% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.37 vs. HCC: 11.79 )
HCC' s 10-Year POCF Range
Min: 3.2   Max: 17.32
Current: 11.79

3.2
17.32
EV-to-EBIT 9.11
HCC's EV-to-EBIT is ranked higher than
77% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.53 vs. HCC: 9.11 )
HCC' s 10-Year EV-to-EBIT Range
Min: 3.9   Max: 13.9
Current: 9.11

3.9
13.9
PEG 1.23
HCC's PEG is ranked higher than
86% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.00 vs. HCC: 1.23 )
HCC' s 10-Year PEG Range
Min: 0.25   Max: 15.77
Current: 1.23

0.25
15.77
Shiller P/E 16.00
HCC's Shiller P/E is ranked higher than
82% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 20.41 vs. HCC: 16.00 )
HCC' s 10-Year Shiller P/E Range
Min: 6.78   Max: 28.42
Current: 16

6.78
28.42
Days Sales Outstanding 76.10
HCC's Days Sales Outstanding is ranked higher than
83% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 143.25 vs. HCC: 76.10 )
HCC' s 10-Year Days Sales Outstanding Range
Min: 76.1   Max: 664.19
Current: 76.1

76.1
664.19

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.84
HCC's Dividend Yield is ranked lower than
68% of the 181 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.79 vs. HCC: 1.84 )
HCC' s 10-Year Dividend Yield Range
Min: 0.81   Max: 2.72
Current: 1.84

0.81
2.72
Dividend Payout 0.22
HCC's Dividend Payout is ranked higher than
83% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.50 vs. HCC: 0.22 )
HCC' s 10-Year Dividend Payout Range
Min: 0.07   Max: 0.48
Current: 0.22

0.07
0.48
Dividend growth (3y) 20.10
HCC's Dividend growth (3y) is ranked higher than
89% of the 160 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.10 vs. HCC: 20.10 )
HCC' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 49.3
Current: 20.1

0
49.3
Yield on cost (5-Year) 3.44
HCC's Yield on cost (5-Year) is ranked higher than
54% of the 183 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.44 vs. HCC: 3.44 )
HCC' s 10-Year Yield on cost (5-Year) Range
Min: 1.55   Max: 5.19
Current: 3.44

1.55
5.19
Share Buyback Rate 3.60
HCC's Share Buyback Rate is ranked higher than
88% of the 184 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.20 vs. HCC: 3.60 )
HCC' s 10-Year Share Buyback Rate Range
Min: 4.6   Max: -18.6
Current: 3.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.80
HCC's Price/Tangible Book is ranked higher than
70% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.73 vs. HCC: 1.80 )
HCC' s 10-Year Price/Tangible Book Range
Min: 1.19   Max: 5.04
Current: 1.8

1.19
5.04
Price/DCF (Projected) 1.70
HCC's Price/DCF (Projected) is ranked higher than
65% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.97 vs. HCC: 1.70 )
HCC' s 10-Year Price/DCF (Projected) Range
Min: 0.73   Max: 1.64
Current: 1.7

0.73
1.64
Price/Median PS Value 1.30
HCC's Price/Median PS Value is ranked higher than
64% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.20 vs. HCC: 1.30 )
HCC' s 10-Year Price/Median PS Value Range
Min: 0.79   Max: 3.34
Current: 1.3

0.79
3.34
Price/Peter Lynch Fair Value 0.90
HCC's Price/Peter Lynch Fair Value is ranked higher than
88% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.00 vs. HCC: 0.90 )
HCC' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.34   Max: 8.63
Current: 0.9

0.34
8.63
Price/Graham Number 1.00
HCC's Price/Graham Number is ranked higher than
74% of the 223 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.00 vs. HCC: 1.00 )
HCC' s 10-Year Price/Graham Number Range
Min: 0.76   Max: 3.22
Current: 1

0.76
3.22
Earnings Yield (Greenblatt) 10.70
HCC's Earnings Yield (Greenblatt) is ranked higher than
75% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.90 vs. HCC: 10.70 )
HCC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 7.2   Max: 25.4
Current: 10.7

7.2
25.4
Forward Rate of Return (Yacktman) 12.84
HCC's Forward Rate of Return (Yacktman) is ranked higher than
76% of the 173 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.84 vs. HCC: 12.84 )
HCC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -4.6   Max: 36.6
Current: 12.84

-4.6
36.6

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:BRK.A, ALIZF, AXAHY, ZFSVF, AIZ » details
Traded in other countries:HCZ.Germany,
HCC Insurance Holdings Inc was incorporated in the state of Delaware in 1991. The Company provides specialized property and casualty, surety, and group life, accident and health insurance coverages and related agency and reinsurance brokerage services to commercial customers and individuals. It concentrates its activities in selected, narrowly defined, specialty lines of business. The Company has five underwriting segments: U.S. Property & Casualty, Professional Liability, Accident & Health, U.S. Surety & Credit and International. U.S. Property & Casualty segment includes specialty lines of insurance such as aviation, small account errors and omissions liability (E&O), public risk, contingency, disability, title and mortgage reinsurance, residual value, employment practices liability (EPLI), technical property, primary and excess casualty, and brown water marine written in the U.S. The majority of the business is primary coverage, and claims are reported and settled on a short to medium-term basis. Professional Liability segment primarily consists of its directors' and officers' (D&O) liability business. In addition, it write related professional liability and crime business coverages, including large account E&O liability, fiduciary liability, fidelity and bankers blanket bonds, and EPLI for some D&O policyholders. Accident & Health segment includes medical stop-loss, short-term domestic and international medical products, written in the United States. The majority of the business covers groups of employees, and claims are reported and settled quickly. U.S. Surety & Credit segment conducts business through separate specialty surety underwriting operations and credit underwriting operations. International segment includes energy, property treaty, liability, surety, credit, property (direct and facultative), ocean marine, accident and health and other smaller product lines written from operations in the United Kingdom, Spain and Ireland. The Company operates mainly in the United States, the United Kingdom, Spain and Ireland. Some of its operations have a broader international scope. The Company markets its products both directly to customers and through a network of independent and affiliated brokers, producers, agents and third party administrators. Its insurance companies are risk-bearing and focus their underwriting activities on providing insurance and/or reinsurance in the following lines of business: Diversified financial products; Group life, accident and health; Aviation; London market account and other specialty lines. The Company's underwriting agencies underwrite on behalf of its insurance companies and in certain situations for other unaffiliated insurance companies. The agencies specialize in the following types of business: contingency; directors' and officers' liability; individual disability; kidnap and ransom; employment practices liability; errors and omissions liability; public entity; various financial products
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