(HIPO) Hippo Holdings - Overview
Stock: Homeowners, Auto, Flood, Earthquake, Pet
EPS (Earnings per Share)
Revenue
| Risk 5d forecast | |
|---|---|
| Volatility | 45.7% |
| Relative Tail Risk | -16.1% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.04 |
| Alpha | -20.77 |
| Character TTM | |
|---|---|
| Beta | 1.067 |
| Beta Downside | 0.950 |
| Drawdowns 3y | |
|---|---|
| Max DD | 65.29% |
| CAGR/Max DD | 0.32 |
Description: HIPO Hippo Holdings January 26, 2026
Hippo Holdings Inc. (NYSE:HIPO) is a U.S.-focused property-and-casualty insurer that sells a mix of homeowner, personal-lines, commercial, and specialty policies (e.g., flood, earthquake, pet) through a digital-first platform, licensed agencies, and partner carriers. Its operations are organized into three segments: (1) Services, (2) Insurance-as-a-Service, and (3) the Hippo Home Insurance Program, which together combine underwriting, risk-management tools, and value-added home-care services such as health-check visits and maintenance advice.
According to Hippo’s Form 10-Q filed 31 January 2026, Q4 2025 revenue was **$162 million**, a **7 % year-over-year increase** driven primarily by a **12 % rise in new homeowner premiums**. The combined ratio improved to **95.3 %** (down from 99.1 % in Q4 2024), reflecting a lower loss ratio of **68.5 %** and modest expense control. However, the company posted a **net loss of $24 million**, largely due to higher reinsurance costs and a **$15 million goodwill impairment** linked to the 2023 acquisition of a digital broker platform.
Key macro and sector drivers that will shape Hippo’s near-term outlook include: (i) **U.S. home-price appreciation (+4 % YoY in Q4 2025)**, which expands the insured-value base but also raises replacement-cost exposure; (ii) **persistent elevated interest rates**, which suppress mortgage-originated home-buyer activity and could dampen new-policy growth; and (iii) **accelerating digital adoption**, with 68 % of new U.S. homeowners now preferring online quote and bind experiences, a trend that favors Hippo’s technology-centric model but also intensifies competition from incumbent carriers launching their own digital channels.
For a deeper quantitative dive into Hippo’s valuation dynamics, you may find the **ValueRay** platform’s proprietary risk-adjusted return metrics useful.
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income: 95.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.00 > 0.02 and ΔFCF/TA -0.15 > 1.0 |
| NWC/Revenue: 48.10% < 20% (prev 64.51%; Δ -16.41% < -1%) |
| CFO/TA -0.00 > 3% & CFO -400.0k > Net Income 95.9m |
| Net Debt (-194.5m) to EBITDA (109.4m): -1.78 < 3 |
| Current Ratio: 1.81 > 1.5 & < 3 |
| Outstanding Shares: last quarter (26.0m) vs 12m ago 3.82% < -2% |
| Gross Margin: 9.58% > 18% (prev 0.12%; Δ 945.9% > 0.5%) |
| Asset Turnover: 26.33% > 50% (prev 21.66%; Δ 4.67% > 0%) |
| Interest Coverage Ratio: 58.88 > 6 (EBITDA TTM 109.4m / Interest Expense TTM 800.0k) |
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 -1.22b / Total Assets 1.87b) |
| C: 0.03 (EBIT TTM 47.1m / Avg Total Assets 1.71b) |
| D: -0.84 (Book Value of Equity -1.22b / Total Liabilities 1.45b) |
| Altman-Z'' Score: -2.07 = D |
Beneish M -0.64
| DSRI: 3.22 (Receivables 682.4m/157.8m, Revenue 450.1m/334.7m) |
| GMI: 1.21 (GM 9.58% / 11.62%) |
| AQI: 1.11 (AQ_t 0.72 / AQ_t-1 0.65) |
| SGI: 1.34 (Revenue 450.1m / 334.7m) |
| TATA: 0.05 (NI 95.9m - CFO -400.0k) / TA 1.87b) |
| Beneish M-Score: -0.64 (Cap -4..+1) = D |
What is the price of HIPO shares?
Over the past week, the price has changed by -2.16%, over one month by -6.62%, over three months by -12.18% and over the past year by -4.72%.
Is HIPO a buy, sell or hold?
- StrongBuy: 1
- Buy: 1
- Hold: 1
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the HIPO price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 39.7 | 34.5% |
| Analysts Target Price | 39.7 | 34.5% |
| ValueRay Target Price | 27.6 | -6.4% |
HIPO Fundamental Data Overview February 04, 2026
P/S = 1.6975
P/B = 1.8333
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 = 296.2m USD (763.9m + Debt 53.2m - CCE 520.9m)
Interest Coverage Ratio = 58.88 (Ebit TTM 47.1m / Interest Expense TTM 800.0k)
EV/FCF = -155.9x (Enterprise Value 296.2m / FCF TTM -1.90m)
FCF Yield = -0.64% (FCF TTM -1.90m / Enterprise Value 296.2m)
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 = 0.16 (Enterprise Value 296.2m / 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 = 5.61% (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 = 9.31% (E(763.9m)/V(817.1m) * Re(9.85%) + D(53.2m)/V(817.1m) * Rd(1.50%) * (1-Tc(0.0)))
Discount Rate = 9.85% (= 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=+0 | Growth EPS=-107.8% | Growth Revenue=+19.2%