HIPO Stock Analysis: Hippo Holdings | NYSE

Insurance - Property & Casualty | NYSE, USA | Market Cap: 981m USD | 12M Return: -2.6% | US4335392027 | Charts, Fundamentals & Technical Analysis

Homeowners Insurance, Renters Insurance, Commercial Liability, Reinsurance
Total Rating 58
Safety 34
Buy Signal 0.08
Insurance - Property & Casualty
Industry Rotation: +11.1
Market Cap: 981M
Avg Turnover: 8.73M
Risk 3d forecast
Volatility34.7%
VaR 5th Pctl5.30%
VaR vs Median-6.81%
Reward TTM
Sharpe Ratio-0.01
Rel. Str. IBD73.5
Rel. Str. Peer Group61.1 pctl
Character TTM
Beta0.364
Beta Downside0.249
Hurst Exponent0.478
Choppyness43.4%
Drawdowns 3y
Max DD39.64%
CAGR/Max DD1.38
CAGR/Mean DD2.98
EPS (Earnings per Share) EPS (Earnings per Share) of HIPO over the last years for every Quarter: "2021-09": -3.17, "2021-12": -2.86, "2022-03": -3, "2022-06": -3.28, "2022-09": -3.21, "2022-12": -2.74, "2023-03": -2.91, "2023-06": -4.46, "2023-09": -2.15, "2023-12": -1.73, "2024-03": -1.16, "2024-06": -1.51, "2024-09": -0.65, "2024-12": 1.71, "2025-03": -1.9376, "2025-06": 0.65, "2025-09": 0.44, "2025-12": 0.67, "2026-03": 0.65, "2026-06": 0.54, "2026-09": 0.51,
Last SUE: 0.41
Qual. Beats: 0
Revenue Revenue of HIPO over the last years for every Quarter: 2021-09: 21.3, 2021-12: 32.1, 2022-03: 24.5, 2022-06: 28.7, 2022-09: 30.7, 2022-12: 35.8, 2023-03: 39.8, 2023-06: 47.7, 2023-09: 57.7, 2023-12: 64.5, 2024-03: 85.1, 2024-06: 89.6, 2024-09: 95.5, 2024-12: 101.9, 2025-03: 110.3, 2025-06: 117.3, 2025-09: 120.6, 2025-12: 120.4, 2026-03: 121.5, 2026-06: 144.7, 2026-09: null,
Rev. CAGR: 43.67%
Rev. Trend: 96.2%
Last SUE: 2.25
Qual. Beats: 1

Warnings

Below Avwap Earnings

Tailwinds

Confidence

Seasonality 5.7 years of data

Jan -1.3% 26
Feb +3.0% 11
Mar +0.6% 9
Apr +3.1% 26
May -8.1% 46
Jun +9.8% 13
Jul +5.8% 30
Aug +6.7% 26
Sep -13.6% 35
Oct +2.0% 0
Nov +8.1% 0
Dec -5.4% 22

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.

Description: HIPO Hippo Holdings

Hippo Holdings Inc. (HIPO) is a U.S.-based holding company that provides property and casualty insurance products to individuals and businesses, primarily through a multi-carrier platform combining owned and partner managing general agents (MGAs). The company acts as a licensed insurance carrier, offering admitted and non-admitted (excess and surplus) paper, regulatory licenses, and reinsurance across multiple lines of business.

Its product portfolio includes homeowners, renters, commercial multi-peril, casualty, general liability, commercial auto liability, excess and umbrella liability, and various specialty or niche personal and commercial coverages, distributed through technology platforms, websites, and licensed insurance agencies. Hippo also provides program-specific and corporate catastrophe reinsurance solutions, and was renamed from Hippo Enterprises Inc. to Hippo Holdings Inc. in August 2021. The company is headquartered in San Jose, California.

As an InsurTech-focused small-cap stock within the Financials sector, Hippo operates in the insurance brokers and carriers space, leveraging a technology-driven distribution model that pairs digital platforms with delegated underwriting authority to streamline the quoting and binding process for homeowners and small to mid-sized business customers.

Headlines to Watch Out For
  • Catastrophe losses and reinsurance costs pressure combined ratio
  • Gross written premium growth accelerates across partner MGA network
  • Net investment income rises on higher interest rates
Piotroski VR-10 (Strict) 5.0
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)
Altman Z'' -4.24
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
Beneish M -1.93
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
What is the price of HIPO shares?

As of November 03, 2026, the stock is trading at USD 35.70 with a total of 260,637 shares traded. Over the past week, the price has changed by -7.39%, over one month by +10.73%, over three months by +9.68% and over the past year by -2.57%.

Current recommended Stop Loss: 32.70 (which is 8.4% or 2.3 ATR below the current price).

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.

  • StrongBuy: 2
  • Buy: 1
  • Hold: 2
  • Sell: 0
  • StrongSell: 0

What are the forecasts/targets for the HIPO price?
Analysts Target Price 40.9 14.5%
Hippo Holdings (HIPO) - Fundamental Data Overview as of 31 October 2026
Market Cap USD = 980.6m (980.6m USD * 1.0 USD.USD)
P/E Trailing = 7.9572
P/S = 1.9338
P/B = 2.1373
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 = 589.3m USD (980.6m + Debt 53.5m - CCE 444.8m)
 Interest Coverage Ratio = unknown (Ebit TTM 123.1m / Interest Expense TTM 0.0)
 EV/FCF = 8.68x (Enterprise Value 589.3m / FCF TTM 67.9m)
FCF Yield = 11.52% (FCF TTM 67.9m / Enterprise Value 589.3m)
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 = 0.25 (Enterprise Value 589.3m / 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 = 6.51% (E(980.6m)/V(1.03b) * Re(6.87%) + D(53.5m)/V(1.03b) * Rd(0.0%) * (1-Tc(0.01)))
Discount Rate = 6.87% (= 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: 0.41 | # QB: 0
Revenue Correlation: 96.15 | Revenue CAGR: 43.67% | SUE: 2.25 | # QB: 1
EPS current Quarter (2027-03-31): EPS=0.96 | Chg30d=+5.49% | Revisions=-25% | Analysts=1
EPS current Year (2026-12-31): EPS=2.57 | Chg30d=+4.79% | Revisions=+0% | GrowthEPS=+277.9% | GrowthRev=+24.2%
EPS next Year (2027-12-31): EPS=3.52 | Chg30d=+0.14% | Revisions=+57% | GrowthEPS=+37.0% | GrowthRev=+34.5%
[Analyst] Revisions Ratio: +38% (up=4, down=1)