HIPO Stock Analysis: Hippo Holdings | NYSE
Insurance - Property & Casualty | NYSE, USA | Market Cap: 861m USD | 12M Return: 5.6% | US4335392027 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 6.00M
Qual. Beats: 0
Rev. Trend: 96.2%
Qual. Beats: 1
Warnings
No concerns identified
Tailwinds
Seasonality 5.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Hippo Holdings Inc. (HIPO) is a US-focused property and casualty insurer headquartered in San Jose, California. The company sells homeowners, renters, commercial multi-peril, casualty, and specialty insurance, as well as commercial lines such as general liability, commercial auto liability, and excess and umbrella coverage. The company was formerly known as Hippo Enterprises Inc., adopting its current name in August 2021 ahead of its NYSE listing that same month.
HIPO operates a multi-carrier MGA model, providing admitted and non-admitted (excess and surplus) paper, regulatory licenses, and reinsurance to owned and partner managing general agents across multiple lines of business. Distribution is conducted through proprietary technology platforms, its website, and licensed insurance agencies, placing it within the insurtech segment of the GICS Insurance Brokers sub-industry. The non-admitted (E&S) market it serves typically covers risks that standard admitted carriers decline to underwrite.
- Combined ratio remains elevated amid rising catastrophe and reinsurance costs
- Premium growth slows as homeowner insurance market competition intensifies
- Capital raises continue to fund underwriting losses and growth investments
| Net Income: 121.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA 1.24 > 1.0 |
| NWC/Revenue: -225.2% < 20% (prev 40.75%; Δ -266.0% < -1%) |
| CFO/TA 0.03 > 3% & CFO 71.7m > Net Income 121.3m |
| Net Debt (-391.3m) to EBITDA (143.5m): -2.73 < 3 |
| Current Ratio: 0.34 > 1.5 & < 3 |
| Outstanding Shares: last quarter (26.6m) vs 12m ago 2.03% < -2% |
| Gross Margin: 47.14% > 18% (prev 7.81%; Δ 39.33% > 0.5%) |
| Asset Turnover: 25.20% > 50% (prev 24.91%; Δ 0.30% > 0%) |
| Interest Coverage Ratio: error (cannot be calculated; needs correct EBIT TTM and Interest Expense TTM) |
| A: -0.49 (Total Current Assets 595.4m - Total Current Liabilities 1.74b) / Total Assets 2.32b |
| B: -0.52 (Retained Earnings -1.20b / Total Assets 2.32b) |
| C: 0.06 (EBIT TTM 123.1m / Avg Total Assets 2.01b) |
| D: 0.25 (Book Value of Equity 465.6m / Total Liabilities 1.85b) |
| Altman-Z'' = -4.24 = D |
| DSRI: 0.21 (Receivables 159.4m/638.6m, Revenue 507.2m/425.0m) |
| GMI: 0.17 (GM 7.81% / 47.14%) |
| AQI: 4.99 (AQ_t 0.73 / AQ_t-1 0.15) |
| SGI: 1.19 (Revenue 507.2m / 425.0m) |
| TATA: 0.02 (NI 121.3m - CFO 71.7m) / TA 2.32b) |
| Beneish M = -1.93 (Cap -4..+1) = B |
As of September 04, 2026, the stock is trading at USD 34.19 with a total of 255,678 shares traded. Over the past week, the price has changed by +4.85%, over one month by +5.04%, over three months by +41.93% and over the past year by +5.62%.
Current recommended Stop Loss: 32.90 (which is 3.8% or 1.2 ATR below the current price).
Hippo Holdings has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy HIPO.
- StrongBuy: 1
- Buy: 1
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 41.1 | 20.3% |
P/E Trailing = 6.9979
P/S = 1.697
P/B = 1.8681
Revenue TTM = 507.2m USD
EBIT TTM = 123.1m USD
EBITDA TTM = 143.5m USD
Long Term Debt = 47.9m USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 53.5m USD (from shortLongTermDebtTotal, last quarter) + Leases 2.80m
Net Debt = -391.3m USD (calculated: Debt 53.5m - CCE 444.8m)
Enterprise Value = 469.3m USD (860.6m + Debt 53.5m - CCE 444.8m)
Interest Coverage Ratio = unknown (Ebit TTM 123.1m / Interest Expense TTM 0.0)
EV/FCF = 6.91x (Enterprise Value 469.3m / FCF TTM 67.9m)
FCF Yield = 14.47% (FCF TTM 67.9m / Enterprise Value 469.3m)
FCF Margin = 13.39% (FCF TTM 67.9m / Revenue TTM 507.2m)
Net Margin = 23.92% (Net Income TTM 121.3m / Revenue TTM 507.2m)
Gross Margin = 47.14% ((Revenue TTM 507.2m - Cost of Revenue TTM 268.1m) / Revenue TTM)
Gross Margin QoQ = 58.67% (prev 32.18%)
Tobins Q-Ratio = 0.20 (Enterprise Value 469.3m / Total Assets 2.32b)
Interest Expense / Debt = 0.0% (Interest Expense 0.0 / Debt 53.5m)
Taxrate = 1.46% (1.80m / 123.1m)
NOPAT = 121.3m (EBIT 123.1m * (1 - 1.46%))
Current Ratio = 0.34 (Total Current Assets 595.4m / Total Current Liabilities 1.74b)
Debt / Equity = 0.11 (Debt 53.5m / totalStockholderEquity, last quarter 465.6m)
Debt / EBITDA = -2.73 (Net Debt -391.3m / EBITDA 143.5m)
Debt / FCF = -5.76 (Net Debt -391.3m / FCF TTM 67.9m)
Total Stockholder Equity = 443.0m (last 4 quarters mean from totalStockholderEquity)
RoA = 6.03% (Net Income 121.3m / Total Assets 2.32b)
RoE = 27.38% (Net Income TTM 121.3m / Total Stockholder Equity 443.0m)
RoCE = 25.08% (EBIT 123.1m / Capital Employed (Equity 443.0m + L.T.Debt 47.9m))
RoIC = 21.84% (NOPAT 121.3m / Invested Capital 555.3m)
WACC = 7.27% (E(860.6m)/V(914.1m) * Re(7.72%) + D(53.5m)/V(914.1m) * Rd(0.0%) * (1-Tc(0.01)))
Discount Rate = 7.72% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 96.11 | Cagr: 4.16%
[DCF] Terminal Value 77.97% ; FCFF base≈52.3m ; Y1≈59.9m ; Y5≈88.2m
[DCF] Fair Price = 65.11 (EV 1.33b - Net Debt -391.3m = Equity 1.72b / Shares 26.4m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 0.81 | # QB: 0
Revenue Correlation: 96.15 | Revenue CAGR: 43.67% | SUE: 2.25 | # QB: 1
EPS current Quarter (2026-09-30): EPS=0.32 | Chg30d=+5.83% | Revisions=+29% | Analysts=4
EPS current Year (2026-12-31): EPS=2.45 | Chg30d=+32.57% | Revisions=+57% | GrowthEPS=+260.7% | GrowthRev=+24.4%
EPS next Year (2027-12-31): EPS=3.52 | Chg30d=+25.87% | Revisions=+57% | GrowthEPS=+43.3% | GrowthRev=+33.0%
[Analyst] Revisions Ratio: +67% (up=11, down=1)