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Company Analysis

Hippo Holdings Inc. HIPO

A comprehensive view of key metrics, scores, and financial health for Hippo Holdings Inc.

Overview of Hippo Holdings Inc.

HIPO NYQ
Financial Services Insurance - Property & Casualty Framework: Insurance & Reinsurance Small Cap
Hippo Holdings Inc. (HIPO), is a Small Cap company, in the Insurance - Property & Casualty industry, last closed at $35.70, about 49.2% overvalued vs fair value, +3.2% 1Y return, placing in the top 25% of its sector.
Metrics P/E 13.6× Rev Growth 25.9% ROE 14.5% Gross Margin 50.9%
USD 35.70
-2.54%
(Delayed)
• Vol 90d: 35.2%
52-Week Range
Market Cap
$950.40M
Enterprise Value
$753.80M
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Fair
Growth
Good
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Fair
Completeness: 76%
Confidence: 88%
Updated: Oct 31
Top Beats

Quick Facts

Website https://www.hippo.com
HQ San Jose, CA
Employees 478
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$10
$18
$34
Current: $35.70 -49% vs base

Engine Room Money Flow™

Small Cap

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$468.6M
25.9%%
Claims & Losses
-$229.9M
-22.8%%
Acquisition & Admin Expenses
$100.6M
Underwriting Result
$63.3M
331%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Loss Ratio
49.1%
Excellent

Claims & Losses / Revenue — core underwriting discipline metric; lower is better

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$14.5M
25.1% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
3
Active Leaks
0/3
Improving
0
High Impact
3
Critical
Locked Leak
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Locked Leak
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Moat Analysis Insurance & Reinsurance

Competitive Advantage Assessment

Evaluating Hippo Holdings Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
38
/100
Developing
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Improving Expense Discipline Over Time Efficiency trend is positive (score 1.00), suggesting improving operational cost discipline.

Key risks

  • Volatile Underwriting Results Underwriting stability is low (score 0.00), indicating significant exposure to loss cycle or catastrophe volatility.
  • Volatile Capital Returns Signal Cat Exposure Capital adequacy stability is low (score 0.02), indicating elevated catastrophe or reserve cycle exposure.

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Underwriting Discipline

Developing
36
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Signals, strengths and risks for Underwriting Discipline

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Signals, strengths and risks for Float Investment Quality

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Signals, strengths and risks for Pricing Power

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Signals, strengths and risks for Capital Strength & Solvency

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Signals, strengths and risks for Operational Efficiency

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Signals, strengths and risks for Scale & Diversification

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Insurance (Life, P&C, Reinsurance) vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing HIPO's balance between Growth (46.1%), Profitability (32.0%), and Safety (21.9%). Growth 46% Safety 22% Profitability 32%

Click axes to expand details. Marker shows current allocation.

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Growth

86th percentile vs peers
86
Key Signals
Rev Growth YoY 25.9% 83p Revenue CAGR 3Y 57.6% 96p Equity Growth YoY 20.4% 74p EPS Growth YoY 2.35 92p Asset Growth YoY 23.5% 93p
Strengths
  • Growth performance in top 20% of peers (percentile: 86)
  • Rev Growth YoY in top 20% of peers (25.9%, 83th percentile)
  • Revenue CAGR 3Y in top 20% of peers (57.6%, 96th percentile)
  • EPS Growth YoY in top 20% of peers (2.35, 92th percentile)
  • Conservative leverage compared to industry peers
Risks

No significant risks identified for this axis.

Profitability

59th percentile vs peers
60
Key Signals
Strengths
Risks
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Safety

41th percentile vs peers
41
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Hippo Holdings Inc..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$18.15
- - -
-49.2% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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