Overview Dividends

(HIPO) Hippo Holdings - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US4335391037

Homeowners, Auto, Flood, Earthquake, Pet

Insurance Brokers
Market Cap in USD: 793m

IPO / Inception: 2021-08-03
Return 12m vs S&P 500: 1.46%

EPS (Earnings per Share)

EPS CAGR: 34.80%
EPS Trend: 75.5%

Last SUE: 4.00
Qual. Beats: 1

Revenue

Rev. CAGR: 42.33%
Rev. Trend: 97.2%

Last SUE: 1.02
Qual. Beats: 1

Dividends

Currently no dividends paid

Risk via 5d forecast
Volatility	68.1%
Value at Risk 5%th	94.1%
Relative Tail Risk	-16.01%

Reward TTM
Sharpe Ratio	0.47
Alpha	-1.43
CAGR/Max DD	0.34

Character TTM
Hurst Exponent	0.462
Beta	1.086
Beta Downside	1.044

Drawdowns 3y
Max DD	65.29%
Mean DD	24.35%
Median DD	20.70%

Description: HIPO Hippo Holdings December 01, 2025

Hippo Holdings Inc. (NYSE:HIPO) is a U.S.-focused property-and-casualty insurer that sells homeowners, auto, flood, earthquake, pet and other personal-line policies through a digital-first model. Its operations are organized into three segments: (1) Services – offering home-care advice, health check-ups and service contracts; (2) Insurance-as-a-Service – providing a white-label platform for third-party carriers; and (3) Hippo Home Insurance Program – the core direct-to-consumer homeowners product. Distribution is driven by its proprietary technology platform, website and a network of licensed agencies.

In 2023 Hippo reported $1.2 billion in total revenue, a 28 % year-over-year increase driven by a 32 % rise in new homeowner policies and expanding auto and pet lines. The combined ratio hovered around 68 %, reflecting improving underwriting discipline but still above the industry median of ~62 % for digital P&C insurers. Key economic sensitivities include U.S. mortgage rates (which affect home-ownership turnover and demand for new policies) and climate-risk exposure, especially in wildfire-prone states where loss ratios can spike. The sector is being reshaped by AI-enabled risk assessment and the migration of younger renters toward bundled digital insurance solutions.

For a deeper, data-driven valuation perspective, consider reviewing Hippo’s metrics on the ValueRay platform.

Piotroski VR‑10 (Strict, 0-10) 3.5

Net Income (95.9m TTM) > 0 and > 6% of Revenue (6% = 27.0m TTM)

FCFTA -0.00 (>2.0%) and ΔFCFTA -0.15pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 48.10% (prev 64.51%; Δ -16.41pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA -0.00 (>3.0%) and CFO -400.0k <= Net Income 95.9m (YES >=105%, WARN >=100%)

Net Debt (-194.5m) to EBITDA (109.4m) ratio: -1.78 <= 3.0 (WARN <= 3.5)

Current Ratio 1.81 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (26.0m) change vs 12m ago 3.82% (target <= -2.0% for YES)

Gross Margin 9.58% (prev 11.62%; Δ -2.05pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 26.33% (prev 21.66%; Δ 4.67pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 58.88 (EBITDA TTM 109.4m / Interest Expense TTM 800.0k) >= 6 (WARN >= 3)

Altman Z'' -2.07

(A) 0.12 = (Total Current Assets 484.4m - Total Current Liabilities 267.9m) / Total Assets 1.87b

(B) -0.65 = Retained Earnings (Balance) -1.22b / Total Assets 1.87b

(D) -0.84 = Book Value of Equity -1.22b / Total Liabilities 1.45b

Total Rating: -2.07 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 69.82

1. Piotroski 3.50pt

2. FCF Yield -0.58%

3. FCF Margin -0.42%

4. Debt/Equity 0.13

5. Debt/Ebitda -1.78

6. ROIC - WACC (= 2.79)%

7. RoE 26.66%

8. Rev. Trend 97.19%

9. EPS Trend 75.50%

What is the price of HIPO shares?

As of January 08, 2026, the stock is trading at USD 31.52 with a total of 134,572 shares traded.
Over the past week, the price has changed by +4.79%, over one month by +5.10%, over three months by -12.40% and over the past year by +20.26%.

Is HIPO a buy, sell or hold?

Hippo Holdings has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy HIPO.

Strong Buy: 1
Buy: 1
Hold: 1
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the HIPO price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	39.7	25.9%
Analysts Target Price	39.7	25.9%
ValueRay Target Price	30.1	-4.5%

HIPO Fundamental Data Overview January 08, 2026

Market Cap USD = 792.7m (792.7m USD * 1.0 USD.USD)
P/E Trailing = 8.2997
P/S = 1.7616
P/B = 1.8387
Beta = 1.579
Revenue TTM = 450.1m USD
EBIT TTM = 47.1m USD
EBITDA TTM = 109.4m USD
Long Term Debt = 47.9m USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 53.2m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -194.5m USD (from netDebt column, last quarter)
Enterprise Value = 325.0m USD (792.7m + Debt 53.2m - CCE 520.9m)
Interest Coverage Ratio = 58.88 (Ebit TTM 47.1m / Interest Expense TTM 800.0k)
FCF Yield = -0.58% (FCF TTM -1.90m / Enterprise Value 325.0m)
FCF Margin = -0.42% (FCF TTM -1.90m / Revenue TTM 450.1m)
Net Margin = 21.31% (Net Income TTM 95.9m / Revenue TTM 450.1m)
Gross Margin = 9.58% ((Revenue TTM 450.1m - Cost of Revenue TTM 407.0m) / Revenue TTM)
Gross Margin QoQ = 33.33% (prev 34.10%)
Tobins Q-Ratio = 0.17 (Enterprise Value 325.0m / Total Assets 1.87b)
Interest Expense / Debt = 1.50% (Interest Expense 800.0k / Debt 53.2m)
Taxrate = 0.0% (0.0 / 98.1m)
NOPAT = 47.1m (EBIT 47.1m * (1 - 0.00%))
Current Ratio = 1.81 (Total Current Assets 484.4m / Total Current Liabilities 267.9m)
Debt / Equity = 0.13 (Debt 53.2m / totalStockholderEquity, last quarter 421.5m)
Debt / EBITDA = -1.78 (Net Debt -194.5m / EBITDA 109.4m)
Debt / FCF = 102.4 (negative FCF - burning cash) (Net Debt -194.5m / FCF TTM -1.90m)
Total Stockholder Equity = 359.7m (last 4 quarters mean from totalStockholderEquity)
RoA = 5.12% (Net Income 95.9m / Total Assets 1.87b)
RoE = 26.66% (Net Income TTM 95.9m / Total Stockholder Equity 359.7m)
RoCE = 11.55% (EBIT 47.1m / Capital Employed (Equity 359.7m + L.T.Debt 47.9m))
RoIC = 12.28% (NOPAT 47.1m / Invested Capital 383.7m)
WACC = 9.48% (E(792.7m)/V(845.9m) * Re(10.02%) + D(53.2m)/V(845.9m) * Rd(1.50%) * (1-Tc(0.0)))
Discount Rate = 10.02% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 3.81%
Fair Price DCF = unknown (Cash Flow -1.90m)
EPS Correlation: 75.50 | EPS CAGR: 34.80% | SUE: 4.0 | # QB: 1
Revenue Correlation: 97.19 | Revenue CAGR: 42.33% | SUE: 1.02 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.14 | Chg30d=N/A | Revisions Net=+0 | Analysts=1
EPS next Year (2026-12-31): EPS=-0.04 | Chg30d=N/A | Revisions Net=+1 | Growth EPS=-107.8% | Growth Revenue=+18.9%

Additional Sources for HIPO Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle