Hippo Holdings Inc. HIPO R2K

Financial Services · Insurance - Property & Casualty · United States

https://www.hippo.com

Hippo Holdings Inc., together with its subsidiaries, provides property and casualty insurance products to individuals and business customers primarily in the United States. The company provides a multi-carrier platform through owned and partner managing general agents (MGAs), serving as a licensed insurance carrier for MGAs and providing admitted and non-admitted (excess and surplus) paper, regulatory licenses, and reinsurance across multiple lines of business. The company also offers insurance products, including homeowners, renters, commercial multi-peril, casualty, and other specialty insurance programs. It provides homeowners insurance, general liability, commercial auto liability, and excess and umbrella liability, written through delegated authority arrangements, renters insurance, liability coverage, commercial multi-peril policies for small to mid-sized businesses, and niche personal or commercial products, as well as program-specific and corporate catastrophe reinsurance solutions. The company distributes insurance products and services through its technology platforms and website, as well as operates licensed insurance agencies. The company was formerly known as Hippo Enterprises Inc. and changed its name to Hippo Holdings Inc. in August 2021. Hippo Holdings Inc. is headquartered in San Jose, California.

Market & Price

Market Cap

$673.55M

Current Price

$25.87

High / Low (52W)

$37.85 / $23.56

Beta

1.53

Valuation

Stock P/E

5.88

Industry PE

12.01

Forward P/E

9.65

PEG Ratio

Book Value

$17.23

Price to Book

1.50

P/S

1.41

EV/EBITDA

11.38

Dividend Yield

Profitability & Returns

ROCE

ROE

29.73%

ROA

0.90%

Profit Margin

23.51%

Op Margin

5.93%

EPS (Latest Qtr)

$0.27

EPS (TTM)

$4.40

Balance Sheet & Liquidity

Debt/Equity

0.11

Quick Ratio

0.54

Current Ratio

1.08

Debt

$51.50M

Total Assets

$1.91B

Current Assets

Working Capital

Ownership

Promoter Holding

10.27%

Chg in Prom Hold

FII / Inst Holding

47.74%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$324.45M

Total Revenue (TTM)

$478.50M

EBITDA

$28.50M

Free Cash Flow

$106.55M

Operating Cash Flow

$53.30M

Shares Outstanding

26.04M

Gross Margin

61.34%

Payout Ratio

0.00%

Growth (CAGR)

Revenue 5Y

57.60%

Profit 5Y

39.10%

Revenue (YoY)

8.90%

Earnings (YoY)

PROS

Strong return on equity of 29.7%.
Excellent profit margin of 23.5%.
Compounding revenue at 57.6% over 5 years.
Profit CAGR of 39.1% over 5 years.
Generates positive free cash flow.

CONS

Trading 31.6% below its 52-week high.
In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	HIPO Hippo Holdings Inc. R2K	25.87	5.88	$673.55M	-	-	29.73%	57.60%	39.10%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Sep 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	13.00M	17.00M	20.90M	21.30M	24.50M	28.70M	30.70M	39.80M	47.70M	57.70M	85.10M	89.60M	-	-	110.30M	117.30M	120.60M	120.40M	121.50M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-1.46M	-561.58K	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-45.60M	4.00M	98.10M	6.80M	7.20M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-200.00K	100.00K	0	800.00K	100.00K
Net Income	-38.60M	-195.20M	-84.50M	-30.90M	-67.60M	-73.50M	-129.20M	-69.80M	-107.80M	-53.10M	-35.70M	-40.50M	-	-	-47.70M	1.30M	98.10M	6.00M	7.10M
Diluted EPS	-0.44	-2.03	-0.86	-2.00	-3.01	-3.25	-5.66	-3.01	-4.61	-2.24	-1.47	-1.64	-	-	-1.91	0.05	3.77	0.23	0.27

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	51.60M	-	119.70M	209.70M	372.10M	468.60M
Cost of Revenue	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-
Operating Income	-	-168.30M	-	-	-	-
EBITDA	-	-	-	-	-	-
Interest Expense	-	198.90M	-	-	-	-
Pretax Income	-	-	-325.20M	-262.50M	-27.40M	63.30M
Tax Provision	-	-	1.30M	500.00K	1.20M	700.00K
Net Income	-141.50M	-	-333.40M	-273.10M	-40.50M	57.70M
Diluted EPS	-1.63	-	-14.66	-11.58	-1.64	2.22

Compounded Sales Growth

5 Years:	57.60%
1 Year:	8.90%

Compounded Profit Growth

5 Years:	39.10%
1 Year:	-

Stock Price Performance

1 Year:	+9.80%
6 Months:	-22.87%
3 Months:	-10.05%
1 Month:	-8.33%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	979.40M	-	1.57B	1.52B	1.54B	1.91B
Current Assets	-	-	-	-	-	-	-
Cash & Equivalents	-	452.30M	-	194.50M	142.10M	197.60M	218.30M
Inventory	-	-	-	-	-	-	-
Receivables	-	-	-	402.50M	432.10M	453.10M	597.60M
Total Liabilities	-	834.10M	-	975.40M	1.14B	1.18B	1.47B
Current Liabilities	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	47.90M
Total Debt	-	-	-	28.90M	14.80M	10.00M	52.40M
Total Equity	-78.30M	-199.60M	-	589.90M	377.90M	362.10M	436.10M
Shares Outstanding	-	-	-	23.20M	24.15M	24.87M	25.70M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	-65.40M	-	-161.50M	-92.40M	47.50M	9.20M
Investing Cash Flow	-2.30M	-	-405.90M	57.60M	30.30M	-11.20M
Financing Cash Flow	518.10M	-	-6.80M	-14.60M	-40.10M	19.30M
Capital Expenditure	-400.00K	-	-19.70M	-46.70M	-12.00M	-13.30M
Free Cash Flow	-65.80M	-	-181.20M	-139.10M	35.50M	-4.10M
Net Change in Cash	-	-	-574.20M	-49.40M	37.70M	17.30M
Share Buybacks	-	-	0	1.80M	15.60M	14.50M

Ratios (Annual)

Figures in %.

Metric	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-
Net Margin %	-274.2%	-	-278.5%	-130.2%	-10.9%	12.3%
ROE %	70.9%	-	-56.5%	-72.3%	-11.2%	13.2%
ROCE %	-	-	-	-	-	-

Shareholding Pattern

Insiders

10.27%

Institutions

47.74%

Public Float

53.21%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	4.88%	1.27M	$32.90M
2	Bond Capital Management, LP	4.61%	1.20M	$31.05M
3	Vanguard Capital Management LLC	3.31%	862.41K	$22.31M
4	Hood River Capital Management LLC	2.34%	608.26K	$15.74M
5	Geode Capital Management, LLC	2.18%	566.49K	$14.66M
6	Westerly Capital Management, LLC	1.92%	500.00K	$12.94M
7	State Street Corporation	1.56%	406.62K	$10.52M
8	Banco Bilbao Vizcaya Argentaria, SA	1.55%	403.59K	$10.44M
9	Dimensional Fund Advisors LP	1.52%	394.91K	$10.22M
10	Stoic Point Capital Management LLC	0.96%	251.12K	$6.50M

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HIPO · Financial Services