Hippo Holdings Inc.
HIPO · Price history
Price at last available close
$37.16
+$6.39 (+20.77%) 1M
2026-10-29
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Company & revenue
About Hippo Holdings Inc.
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
Hippo Holdings Inc. delivers comprehensive home protection insurance solutions across the United States and the District of Columbia. Their product lineup features homeowners' insurance, providing coverage for risks such as fire, wind, and theft, in addition to commercial and other personal insurance offerings. The company utilizes its proprietary technology platform to distribute its services, enabling customers to acquire policies conveniently online, by phone, or through licensed insurance agents.
How they make money
Hippo Holdings Inc. operates as a technology-native insurance holding company that generates revenue primarily through the sale of property and casualty insurance products. The company earns money through premiums collected on policies underwritten by its subsidiaries and through service fees generated by its Insurance-as-a-Service platform, which provides technology and administrative support to other managing general agents.
Products & services
Homeowners insurance, property and casualty insurance products, and Insurance-as-a-Service technology platform for managing general agents.
Brands & revenue mix
The primary brand under which the company offers its homeowners insurance products.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer concentration
The company does not disclose specific major customers due to the nature of its retail insurance business, which serves a broad base of individual policyholders.
Suppliers, materials & equipment
- Reinsurance providers — Various third-party reinsurance companies that provide risk-sharing capacity for the insurance policies underwritten by Hippo's subsidiaries.Source
Competitors
- Traditional property and casualty insurance carriers — Large, established insurance companies that offer competing homeowners and property insurance products.Source
Strengths
Sources
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
69
Fair
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
55
Fair
Financial Strength
55
Business Quality / Moat
33
Management
100
Growth Quality
59
Risk / Durability
15
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
72
Fair
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
66/100
Building Historical Record
Model Score 66/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is mixed across its combined quality, valuation and risk inputs. Review the category scores to identify what is helping or hurting the result.
At today’s price, the WSS valuation framework currently reads as relatively attractive.
The model outlook is currently moderate.
- •Asset quality scores strongly
- •Valuation scores attractively
- •Recent buyback activity is present
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for HIPO
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can HIPO maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is HIPO's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •How is HIPO likely to use its cash advantage: reinvestment, acquisitions, debt reduction, dividends or buybacks?
- •Is HIPO's valuation discount tied to a temporary concern or to a longer-term business risk?
Essential Investment Snapshot
Wall Street Score
69
Opportunity Score
72
Market Cap
$980.6M
P/E Ratio
6.4
EPS
$4.80
52-Week High
$38.73
52-Week Low
$24.08
Beta
1.56
Intrinsic Value
$184.80
Analyst Target
$25.50
Shares Outstanding
26.0M
Total Revenue
$507.2M
Total Debt
$50.7M
Dividend
No current dividend
Liquidation Value / Share
$17.90
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Building upward momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for HIPO
Detected from reported data — verify before acting.Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Community Sentiment
0 active · 0 total callsNo personal call yet on HIPO.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Technology-native insurance platform.
- +Disciplined underwriting and data analytics.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Insurance - Property & Casualty industry.
- −Dependence on reinsurance availability and pricing.
- −Exposure to catastrophic weather events.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
4 historical score records availablePrevious Score
69
Sep 28, 2026
Change
Unchanged
Current Score
69
Oct 1, 2026
Category Changes
HIPO score was unchanged.
Projected Score
Projected Score
77
Projected Change
+8.2 points
Preliminary comparable-period financial changes suggest improvement of approximately 8.2 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
Review model assumptionsThis model estimate is more than three times the share price.
For insurers, earnings can vary sharply with claims and investment gains. Review normalized earnings and book value before relying on this growth-based estimate.
Stored EPS: $4.80 · Growth assumption: 15.0% · Earnings multiplier: 38.5×.
Current Price
$37.16
Model Intrinsic Value
$184.80
Difference
−$147.64
-79.9% vs IV
Margin of Safety
79.9%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $507.2M | $468.6M | $372.1M | $209.7M | ···· | ···· | ···· | ···· |
| Cost of Revenue | $268.1M | $229.9M | $297.8M | $293.1M | ···· | ···· | ···· | ···· |
| Gross Profit | $239.1M | $238.7M | $74.3M | -$83.4M | ···· | ···· | ···· | ···· |
| Research & Development | $10.1M | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· |
| SG&A Expenses | $95.6M | $100.6M | $121.9M | $159.7M | ···· | ···· | ···· | ···· |
| Operating Expenses | $116.0M | $175.4M | $101.7M | $179.1M | ···· | ···· | ···· | ···· |
| EBITDA | $123.1M | $83.7M | -$4.2M | -$242.7M | ···· | ···· | ···· | ···· |
| Operating Income | $123.1M | $63.3M | -$27.4M | -$262.5M | ···· | ···· | ···· | ···· |
| Interest Expense | $600K | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· |
| Income Before Tax | $123.1M | $63.3M | -$27.4M | -$262.5M | ···· | ···· | ···· | ···· |
| Income Tax Expense | $1.8M | $700K | $1.2M | $500K | ···· | ···· | ···· | ···· |
| Net Income | $121.3M | $57.7M | -$40.5M | -$273.1M | ···· | ···· | ···· | ···· |
| Basic EPS | $4.80 | $2.28 | $-1.64 | $-11.58 | ···· | ···· | ···· | ···· |
| Basic Shares | 26.20M | 25.25M | 24.70M | 23.58M | ···· | ···· | ···· | ···· |
| Diluted Shares | 26.55M | 26.01M | 24.70M | 23.58M | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$144.7M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$0.38
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
-6.1%
Cash Change
+22.9%
Margin Change
+5.9 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Margins expanded
- Cash position grew
- Debt reduced
Potential Score Impact
Positive indicators included revenue growth, EPS growth, cash levels, debt levels. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 23.4%. EPS increased 660.0%. Cash increased 22.9%. Total debt declined 6.1%. Net income margin improved by 5.9 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Dividend data is not available yet. Missing data does not mean this company pays no dividend.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
4 historical recordsHistorical Score Chart
3 of 4 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
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News
Hippo Holdings (HIPO) Reports Q3 Earnings: What Key Metrics Have to Say
Hippo Q3 Earnings Call Highlights
Hippo to Report Third Quarter Financial Results on October 29, 2026
Hippo's AI-Powered Claims Model Delivers Strong Customer Satisfaction Results as its Homeowners Business Grows
Rumor Mill · HIPO
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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