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HIPPO HOLDINGS INC (HIPO) Stock Fundamental Analysis

NYSE:HIPO - New York Stock Exchange, Inc. - US4335392027 - Common Stock - Currency: USD

24.02  -0.06 (-0.25%)

After market: 24.02 0 (0%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to HIPO. HIPO was compared to 143 industry peers in the Insurance industry. No worries on liquidiy or solvency for HIPO as it has an excellent financial health rating, but there are worries on the profitability. HIPO is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

HIPO had negative earnings in the past year.
In the past year HIPO had a positive cash flow from operations.
In the past 5 years HIPO always reported negative net income.
In the past 5 years HIPO reported 4 times negative operating cash flow.
HIPO Yearly Net Income VS EBIT VS OCF VS FCFHIPO Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 2024 0 -100M -200M -300M

1.2 Ratios

With a Return On Assets value of -2.62%, HIPO is not doing good in the industry: 88.81% of the companies in the same industry are doing better.
The Return On Equity of HIPO (-11.18%) is worse than 89.51% of its industry peers.
Industry RankSector Rank
ROA -2.62%
ROE -11.18%
ROIC N/A
ROA(3y)-13.93%
ROA(5y)-15.77%
ROE(3y)-46.66%
ROE(5y)-56.13%
ROIC(3y)N/A
ROIC(5y)N/A
HIPO Yearly ROA, ROE, ROICHIPO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 -20 -40 -60 -80

1.3 Margins

The Profit Margin and Operating Margin and Gross Margin are not available for HIPO so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
HIPO Yearly Profit, Operating, Gross MarginsHIPO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 -100 -200 -300 -400

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2. Health

2.1 Basic Checks

HIPO does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, HIPO has more shares outstanding
HIPO has more shares outstanding than it did 5 years ago.
There is no outstanding debt for HIPO. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
HIPO Yearly Shares OutstandingHIPO Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M
HIPO Yearly Total Debt VS Total AssetsHIPO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

Based on the Altman-Z score of -0.74, we must say that HIPO is in the distress zone and has some risk of bankruptcy.
With a decent Altman-Z score value of -0.74, HIPO is doing good in the industry, outperforming 67.13% of the companies in the same industry.
HIPO has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z -0.74
ROIC/WACCN/A
WACC9%
HIPO Yearly LT Debt VS Equity VS FCFHIPO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 2024 0 200M 400M 600M 800M

2.3 Liquidity

A Current Ratio of 2.15 indicates that HIPO has no problem at all paying its short term obligations.
The Current ratio of HIPO (2.15) is better than 90.21% of its industry peers.
A Quick Ratio of 2.15 indicates that HIPO has no problem at all paying its short term obligations.
HIPO has a better Quick ratio (2.15) than 90.21% of its industry peers.
Industry RankSector Rank
Current Ratio 2.15
Quick Ratio 2.15
HIPO Yearly Current Assets VS Current LiabilitesHIPO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

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6

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 82.14% over the past year.
Looking at the last year, HIPO shows a very strong growth in Revenue. The Revenue has grown by 77.44%.
HIPO shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 60.72% yearly.
EPS 1Y (TTM)82.14%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%198.84%
Revenue 1Y (TTM)77.44%
Revenue growth 3Y59.79%
Revenue growth 5Y60.72%
Sales Q2Q%58.14%

3.2 Future

HIPO is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 27.18% yearly.
HIPO is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 16.88% yearly.
EPS Next Y17.46%
EPS Next 2Y32.22%
EPS Next 3Y31.92%
EPS Next 5Y27.18%
Revenue Next Year25.83%
Revenue Next 2Y22.96%
Revenue Next 3Y18.22%
Revenue Next 5Y16.88%

3.3 Evolution

The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
HIPO Yearly Revenue VS EstimatesHIPO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 200M 400M 600M
HIPO Yearly EPS VS EstimatesHIPO Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 2028 0 -5 -10

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1

4. Valuation

4.1 Price/Earnings Ratio

HIPO reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for HIPO. No positive earnings are expected for the next year.
Industry RankSector Rank
PE N/A
Fwd PE N/A
HIPO Price Earnings VS Forward Price EarningsHIPO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 -10 20 30

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of HIPO indicates a slightly more expensive valuation: HIPO is more expensive than 60.14% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 17.02
EV/EBITDA N/A
HIPO Per share dataHIPO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10

4.3 Compensation for Growth

A more expensive valuation may be justified as HIPO's earnings are expected to grow with 31.92% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y32.22%
EPS Next 3Y31.92%

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0

5. Dividend

5.1 Amount

HIPO does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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HIPPO HOLDINGS INC

NYSE:HIPO (5/6/2025, 8:14:16 PM)

After market: 24.02 0 (0%)

24.02

-0.06 (-0.25%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)03-06 2025-03-06/bmo
Earnings (Next)05-07 2025-05-07/amc
Inst Owners46.37%
Inst Owner Change0.7%
Ins Owners13.03%
Ins Owner Change0.11%
Market Cap604.34M
Analysts80
Price Target30.94 (28.81%)
Short Float %6.71%
Short Ratio6.5
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)355.61%
Min EPS beat(2)28.09%
Max EPS beat(2)683.12%
EPS beat(4)3
Avg EPS beat(4)177.59%
Min EPS beat(4)-3.91%
Max EPS beat(4)683.12%
EPS beat(8)5
Avg EPS beat(8)82.81%
EPS beat(12)5
Avg EPS beat(12)42.86%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)0.83%
Min Revenue beat(2)-0.46%
Max Revenue beat(2)2.13%
Revenue beat(4)2
Avg Revenue beat(4)3.82%
Min Revenue beat(4)-0.62%
Max Revenue beat(4)14.23%
Revenue beat(8)5
Avg Revenue beat(8)6.62%
Revenue beat(12)6
Avg Revenue beat(12)2.56%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-10.78%
PT rev (3m)-4.21%
EPS NQ rev (1m)-33.6%
EPS NQ rev (3m)-168.05%
EPS NY rev (1m)-1.36%
EPS NY rev (3m)-35.41%
Revenue NQ rev (1m)2.26%
Revenue NQ rev (3m)2.76%
Revenue NY rev (1m)1.63%
Revenue NY rev (3m)2.93%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 1.62
P/FCF 17.02
P/OCF 12.72
P/B 1.67
P/tB 2.03
EV/EBITDA N/A
EPS(TTM)-2.07
EYN/A
EPS(NY)-1.71
Fwd EYN/A
FCF(TTM)1.41
FCFY5.87%
OCF(TTM)1.89
OCFY7.86%
SpS14.79
BVpS14.39
TBVpS11.8
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -2.62%
ROE -11.18%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 9.54%
ROA(3y)-13.93%
ROA(5y)-15.77%
ROE(3y)-46.66%
ROE(5y)-56.13%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.24
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 51.72%
Cap/Sales 3.22%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 2.15
Quick Ratio 2.15
Altman-Z -0.74
F-Score8
WACC9%
ROIC/WACCN/A
Cap/Depr(3y)139.06%
Cap/Depr(5y)143.13%
Cap/Sales(3y)13.98%
Cap/Sales(5y)15.85%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)82.14%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%198.84%
EPS Next Y17.46%
EPS Next 2Y32.22%
EPS Next 3Y31.92%
EPS Next 5Y27.18%
Revenue 1Y (TTM)77.44%
Revenue growth 3Y59.79%
Revenue growth 5Y60.72%
Sales Q2Q%58.14%
Revenue Next Year25.83%
Revenue Next 2Y22.96%
Revenue Next 3Y18.22%
Revenue Next 5Y16.88%
EBIT growth 1Y69.64%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year104.73%
EBIT Next 3Y38.94%
EBIT Next 5Y30.58%
FCF growth 1Y125.52%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y151.41%
OCF growth 3YN/A
OCF growth 5YN/A