(HIPO) Hippo Holdings - Overview

Sector: Financial Services | Industry: Insurance - Property & Casualty | Exchange: NYSE (USA) | Market Cap: 672m USD | Total Return: 14.2% in 12m

Homeowners, Auto, Flood, Earthquake, Pet
Total Rating 41
Safety 30
Buy Signal -0.21
Insurance - Property & Casualty
Industry Rotation: -8.4
Market Cap: 672M
Avg Turnover: 2.63M USD
ATR: 3.76%
Peers RS (IBD): 77.3
Risk 5d forecast
Volatility43.0%
Rel. Tail Risk-14.8%
Reward TTM
Sharpe Ratio0.28
Alpha-9.72
Character TTM
Beta0.688
Beta Downside2.464
Drawdowns 3y
Max DD65.29%
CAGR/Max DD0.22
EPS (Earnings per Share) EPS (Earnings per Share) of HIPO over the last years for every Quarter: "2021-03": -0.09, "2021-06": -0.1, "2021-09": -2, "2021-12": -2.75, "2022-03": -3, "2022-06": -3.25, "2022-09": -5.66, "2022-12": -2.74, "2023-03": -3.01, "2023-06": -4.61, "2023-09": -2.24, "2023-12": -1.73, "2024-03": -1.47, "2024-06": -1.64, "2024-09": -0.6462, "2024-12": 1.71, "2025-03": -1.9376, "2025-06": 0.05, "2025-09": 3.77, "2025-12": 0.67,
EPS CAGR: 24.57%
EPS Trend: 80.2%
Last SUE: 0.12
Qual. Beats: 0
Revenue Revenue of HIPO over the last years for every Quarter: 2021-03: 17, 2021-06: 20.9, 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,
Rev. CAGR: 52.89%
Rev. Trend: 97.2%
Last SUE: -0.22
Qual. Beats: 0

Warnings

No concerns identified

Tailwinds

No distinct edge detected

Description: HIPO Hippo Holdings

Hippo Holdings Inc. (NYSE: HIPO) is a technology-driven insurer that offers a suite of property- and casualty-insurance products-including homeowners, auto, flood, earthquake, and pet coverage-to both individuals and businesses across the United States. Its operations are organized into three segments: Services, Insurance-as-a-Service, and the Hippo Home Insurance Program, and it reaches customers through a digital platform, its website, and a network of licensed agencies.

In the most recent quarter (Q4 2025), Hippo reported a 14% year-over-year increase in total written premium to $312 million, while its combined ratio improved to 93.2%, reflecting tighter underwriting and lower loss costs. The company’s policy-holder base grew to 1.8 million active policies, up 18% from the prior year, and its net profit margin expanded to 6.5% after a period of reinvestment in technology and acquisition integration.

Key sector drivers remain robust demand for affordable home insurance amid rising real-estate prices and heightened climate-risk exposure, as well as a continued shift toward digital distribution channels that favor insurers with strong data analytics. Additionally, the broader U.S. insurance market is benefitting from a low-interest-rate environment that supports investment income for insurers, while inflationary pressure on repair costs is prompting carriers to adopt usage-based pricing models.

For a deeper dive into Hippo’s valuation and competitive positioning, you may want to explore the analysis on ValueRay.

Headlines to Watch Out For
  • Insurance premium growth fuels revenue expansion
  • Catastrophe losses increase underwriting expenses
  • Regulatory scrutiny impacts insurance product offerings
  • Interest rate hikes boost investment income
  • Economic slowdown reduces new policy demand
Piotroski VR‑10 (Strict) 5.0
Net Income: 57.7m TTM > 0 and > 6% of Revenue
FCF/TA: 0.00 > 0.02 and ΔFCF/TA -2.50 > 1.0
NWC/Revenue: -188.4% < 20% (prev 25.99%; Δ -214.4% < -1%)
CFO/TA 0.00 > 3% & CFO 9.20m > Net Income 57.7m
Net Debt (-197.7m) to EBITDA (63.3m): -3.12 < 3
Current Ratio: 0.35 > 1.5 & < 3
Outstanding Shares: last quarter (26.2m) vs 12m ago 5.55% < -2%
Gross Margin: 30.47% > 18% (prev -0.01%; Δ 3.05k% > 0.5%)
Asset Turnover: 27.17% > 50% (prev 24.11%; Δ 3.06% > 0%)
Interest Coverage Ratio: 79.12 > 6 (EBITDA TTM 63.3m / Interest Expense TTM 800k)
Altman Z'' -5.74
A: -0.46 (Total Current Assets 468.4m - Total Current Liabilities 1.35b) / Total Assets 1.91b
B: -0.64 (Retained Earnings -1.22b / Total Assets 1.91b)
C: 0.04 (EBIT TTM 63.3m / Avg Total Assets 1.72b)
D: -0.83 (Book Value of Equity -1.22b / Total Liabilities 1.47b)
Altman-Z'' Score: -5.74 = D
Beneish M -3.25
DSRI: 0.47 (Receivables 98.7m/167.0m, Revenue 468.6m/372.1m)
GMI: 1.00 (fallback, negative margins)
AQI: 1.00 (AQ_t 0.74 / AQ_t-1 0.74)
SGI: 1.26 (Revenue 468.6m / 372.1m)
TATA: 0.03 (NI 57.7m - CFO 9.20m) / TA 1.91b)
Beneish M-Score: -3.25 (Cap -4..+1) = AA
What is the price of HIPO shares? As of April 07, 2026, the stock is trading at USD 25.80 with a total of 43,449 shares traded.
Over the past week, the price has changed by -0.31%, over one month by -2.20%, over three months by -17.55% and over the past year by +14.21%.
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: 1
  • Buy: 1
  • Hold: 1
  • Sell: 0
  • StrongSell: 0
What are the forecasts/targets for the HIPO price?
Analysts Target Price 38.7 49.9%
Hippo Holdings (HIPO) - Fundamental Data Overview as of 04 April 2026
P/E Trailing = 11.6486
P/S = 1.4332
P/B = 1.5204
Revenue TTM = 468.6m USD
EBIT TTM = 63.3m USD
EBITDA TTM = 63.3m USD
Long Term Debt = 47.9m USD (from longTermDebt, last quarter)
 Short Term Debt = unknown (none)
 Debt = 52.4m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -197.7m USD (from netDebt column, last quarter)
Enterprise Value = 473.9m USD (671.6m + Debt 52.4m - CCE 250.1m)
Interest Coverage Ratio = 79.12 (Ebit TTM 63.3m / Interest Expense TTM 800k)
EV/FCF = 52.08x (Enterprise Value 473.9m / FCF TTM 9.10m)
FCF Yield = 1.92% (FCF TTM 9.10m / Enterprise Value 473.9m)
FCF Margin = 1.94% (FCF TTM 9.10m / Revenue TTM 468.6m)
Net Margin = 12.31% (Net Income TTM 57.7m / Revenue TTM 468.6m)
Gross Margin = 30.47% ((Revenue TTM 468.6m - Cost of Revenue TTM 325.8m) / Revenue TTM)
Gross Margin QoQ = 62.21% (prev 33.33%)
Tobins Q-Ratio = 0.25 (Enterprise Value 473.9m / Total Assets 1.91b)
Interest Expense / Debt = 1.53% (Interest Expense 800k / Debt 52.4m)
Taxrate = 11.76% (800k / 6.80m)
NOPAT = 55.9m (EBIT 63.3m * (1 - 11.76%))
Current Ratio = 0.35 (Total Current Assets 468.4m / Total Current Liabilities 1.35b)
Debt / Equity = 0.12 (Debt 52.4m / totalStockholderEquity, last quarter 436.1m)
Debt / EBITDA = -3.12 (Net Debt -197.7m / EBITDA 63.3m)
Debt / FCF = -21.73 (Net Debt -197.7m / FCF TTM 9.10m)
Total Stockholder Equity = 378.2m (last 4 quarters mean from totalStockholderEquity)
RoA = 3.35% (Net Income 57.7m / Total Assets 1.91b)
RoE = 15.26% (Net Income TTM 57.7m / Total Stockholder Equity 378.2m)
RoCE = 14.85% (EBIT 63.3m / Capital Employed (Equity 378.2m + L.T.Debt 47.9m))
RoIC = 13.49% (NOPAT 55.9m / Invested Capital 414.1m)
WACC = 7.89% (E(671.6m)/V(724.0m) * Re(8.40%) + D(52.4m)/V(724.0m) * Rd(1.53%) * (1-Tc(0.12)))
Discount Rate = 8.40% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 4.25%
[DCF] Terminal Value 71.20% ; FCFF base≈23.8m ; Y1≈15.6m ; Y5≈7.15m
[DCF] Fair Price = 13.19 (EV 144.7m - Net Debt -197.7m = Equity 342.4m / Shares 26.0m; r=7.89% [WACC]; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 80.24 | EPS CAGR: 24.57% | SUE: 0.12 | # QB: 0
Revenue Correlation: 97.18 | Revenue CAGR: 52.89% | SUE: -0.22 | # QB: 0
EPS next Quarter (2026-06-30): EPS=0.25 | Chg7d=+0.075 | Chg30d=+0.250 | Revisions Net=+0 | Analysts=1
EPS current Year (2026-12-31): EPS=1.68 | Chg7d=-0.125 | Chg30d=+1.680 | Revisions Net=+0 | Growth EPS=+147.1% | Growth Revenue=+25.5%
EPS next Year (2027-12-31): EPS=2.26 | Chg7d=-0.265 | Chg30d=+1.690 | Revisions Net=+0 | Growth EPS=+34.5% | Growth Revenue=+23.5%
External Resources
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