HIPO Stock Analysis: Hippo Holdings | NYSE
Insurance - Property & Casualty | NYSE, USA | Market Cap: 753m USD | 12M Return: -0.8% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 3.88M
Qual. Beats: 0
Rev. Trend: 96.9%
Qual. Beats: -1
Warnings
Tailwinds
No distinct edge detected
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: 112.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 2.54 > 1.0 |
| NWC/Revenue: 53.65% < 20% (prev 34.51%; Δ 19.14% < -1%) |
| CFO/TA 0.03 > 3% & CFO 53.3m > Net Income 112.5m |
| Net Debt (-464.7m) to EBITDA (136.5m): -3.40 < 3 |
| Current Ratio: 1.17 > 1.5 & < 3 |
| Outstanding Shares: last quarter (26.4m) vs 12m ago 5.51% < -2% |
| Gross Margin: 40.48% > 18% (prev -3.70%; Δ 44.18% > 0.5%) |
| Asset Turnover: 26.64% > 50% (prev 25.79%; Δ 0.85% > 0%) |
| Interest Coverage Ratio: error (cannot be calculated; needs correct EBIT TTM and Interest Expense TTM) |
| A: 0.12 (Total Current Assets 1.76b - Total Current Liabilities 1.50b) / Total Assets 2.06b |
| B: -0.59 (Retained Earnings -1.21b / Total Assets 2.06b) |
| C: 0.06 (EBIT TTM 116.1m / Avg Total Assets 1.80b) |
| D: 0.28 (Book Value of Equity 448.7m / Total Liabilities 1.61b) |
| Altman-Z'' = -0.37 = B |
| DSRI: 1.15 (Receivables 813.9m/585.5m, Revenue 479.8m/397.3m) |
| GMI: 1.00 (fallback, negative margins) |
| AQI: 0.88 (AQ_t 0.13 / AQ_t-1 0.15) |
| SGI: 1.21 (Revenue 479.8m / 397.3m) |
| TATA: 0.03 (NI 112.5m - CFO 53.3m) / TA 2.06b) |
| Beneish M = -2.82 (Cap -4..+1) = A |
As of July 10, 2026, the stock is trading at USD 28.91 with a total of 78,075 shares traded. Over the past week, the price has changed by -1.47%, over one month by +16.81%, over three months by +10.94% and over the past year by -0.79%.
Current recommended Stop Loss: 25.90 (which is 10.4% or 2.7 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 | 38.3 | 32.3% |
P/E Trailing = 6.575
P/S = 1.5741
P/B = 1.6787
Revenue TTM = 479.8m USD
EBIT TTM = 116.1m USD
EBITDA TTM = 136.5m USD
Long Term Debt = 47.9m USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 55.1m USD (from shortLongTermDebtTotal, last quarter) + Leases 3.60m
Net Debt = -464.7m USD (calculated: Debt 55.1m - CCE 519.8m)
Enterprise Value = 288.5m USD (753.2m + Debt 55.1m - CCE 519.8m)
Interest Coverage Ratio = unknown (Ebit TTM 116.1m / Interest Expense TTM 0.0)
EV/FCF = 6.69x (Enterprise Value 288.5m / FCF TTM 43.1m)
FCF Yield = 14.94% (FCF TTM 43.1m / Enterprise Value 288.5m)
FCF Margin = 8.98% (FCF TTM 43.1m / Revenue TTM 479.8m)
Net Margin = 23.45% (Net Income TTM 112.5m / Revenue TTM 479.8m)
Gross Margin = 40.48% ((Revenue TTM 479.8m - Cost of Revenue TTM 285.6m) / Revenue TTM)
Gross Margin QoQ = 32.18% (prev 62.21%)
Tobins Q-Ratio = 0.14 (Enterprise Value 288.5m / Total Assets 2.06b)
Interest Expense / Debt = 0.0% (Interest Expense 0.0 / Debt 55.1m)
Taxrate = 0.86% (1.00m / 116.1m)
NOPAT = 115.1m (EBIT 116.1m * (1 - 0.86%))
Current Ratio = 1.17 (Total Current Assets 1.76b / Total Current Liabilities 1.50b)
Debt / Equity = 0.12 (Debt 55.1m / totalStockholderEquity, last quarter 448.7m)
Debt / EBITDA = -3.40 (Net Debt -464.7m / EBITDA 136.5m)
Debt / FCF = -10.78 (Net Debt -464.7m / FCF TTM 43.1m)
Total Stockholder Equity = 409.7m (last 4 quarters mean from totalStockholderEquity)
RoA = 6.25% (Net Income 112.5m / Total Assets 2.06b)
RoE = 27.46% (Net Income TTM 112.5m / Total Stockholder Equity 409.7m)
RoCE = 25.37% (EBIT 116.1m / Capital Employed (Equity 409.7m + L.T.Debt 47.9m))
RoIC = 21.36% (NOPAT 115.1m / Invested Capital 538.9m)
WACC = 8.41% (E(753.2m)/V(808.3m) * Re(9.02%) + D(55.1m)/V(808.3m) * Rd(0.0%) * (1-Tc(0.01)))
Discount Rate = 9.02% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 91.11 | Cagr: 3.96%
[DCF] Terminal Value 75.24% ; FCFF base≈43.1m ; Y1≈43.3m ; Y5≈45.8m
[DCF] Fair Price = 44.98 (EV 706.4m - Net Debt -464.7m = Equity 1.17b / Shares 26.0m; r=8.41% [WACC]; 5y FCF grow 0.0% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 0.26 | # QB: 0
Revenue Correlation: 96.88 | Revenue CAGR: 52.01% | SUE: -3.59 | # QB: -1
EPS current Quarter (2026-06-30): EPS=0.15 | Chg30d=-18.92% | Revisions=+0% | Analysts=4
EPS next Quarter (2026-09-30): EPS=0.30 | Chg30d=-4.00% | Revisions=+0% | Analysts=4
EPS current Year (2026-12-31): EPS=1.85 | Chg30d=-2.12% | Revisions=+25% | GrowthEPS=+172.1% | GrowthRev=+21.2%
EPS next Year (2027-12-31): EPS=2.79 | Chg30d=+4.20% | Revisions=+0% | GrowthEPS=+50.9% | GrowthRev=+28.7%
[Analyst] Revisions Ratio: +25% (up=1, down=0)