HIPO Fundamental Analysis - HIPPO HOLDINGS INC

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to HIPO. HIPO was compared to 148 industry peers in the Insurance industry. The financial health of HIPO is average, but there are quite some concerns on its profitability. HIPO is growing strongly while it is still valued neutral. This is a good combination!

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1. Profitability

1.1 Basic Checks

HIPO had positive earnings in the past year.

In the past year HIPO has reported a negative 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.

1.2 Ratios

Looking at the Return On Assets, with a value of 5.12%, HIPO belongs to the top of the industry, outperforming 81.08% of the companies in the same industry.

With an excellent Return On Equity value of 22.75%, HIPO belongs to the best of the industry, outperforming 88.51% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	5.12%
ROE	22.75%
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

1.3 Margins

HIPO has a better Profit Margin (21.31%) than 87.84% of its industry peers.

The Operating Margin and Gross Margin are not available for HIPO so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	21.31%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

The number of shares outstanding for HIPO has been increased compared to 1 year ago.

HIPO has more shares outstanding than it did 5 years ago.

HIPO has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

2.2 Solvency

HIPO has an Altman-Z score of -0.35. This is a bad value and indicates that HIPO is not financially healthy and even has some risk of bankruptcy.

HIPO has a better Altman-Z score (-0.35) than 63.51% of its industry peers.

HIPO has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.

HIPO's Debt to Equity ratio of 0.11 is fine compared to the rest of the industry. HIPO outperforms 75.00% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.11
Debt/FCF	N/A
Altman-Z	-0.35

ROIC/WACCN/A

WACC8.78%

2.3 Liquidity

HIPO has a Current Ratio of 3.79. This indicates that HIPO is financially healthy and has no problem in meeting its short term obligations.

HIPO has a better Current ratio (3.79) than 94.59% of its industry peers.

HIPO has a Quick Ratio of 3.79. This indicates that HIPO is financially healthy and has no problem in meeting its short term obligations.

With an excellent Quick ratio value of 3.79, HIPO belongs to the best of the industry, outperforming 94.59% of the companies in the same industry.

		Industry Rank	Sector Rank
Current Ratio	3.79
Quick Ratio	3.79

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 165.70% over the past year.

HIPO shows a strong growth in Revenue. In the last year, the Revenue has grown by 34.48%.

HIPO shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 60.72% yearly.

EPS 1Y (TTM)165.7%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%662.69%

Revenue 1Y (TTM)34.48%

Revenue growth 3Y59.79%

Revenue growth 5Y60.72%

Sales Q2Q%26.28%

3.2 Future

HIPO is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 44.34% yearly.

HIPO is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 19.11% yearly.

EPS Next Y54.78%

EPS Next 2Y40.28%

EPS Next 3Y34.65%

EPS Next 5Y44.34%

Revenue Next Year26.78%

Revenue Next 2Y24.39%

Revenue Next 3Y23.33%

Revenue Next 5Y19.11%

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.

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4. Valuation

4.1 Price/Earnings Ratio

HIPO is valuated reasonably with a Price/Earnings ratio of 8.41.

HIPO's Price/Earnings ratio is a bit cheaper when compared to the industry. HIPO is cheaper than 68.92% of the companies in the same industry.

HIPO is valuated cheaply when we compare the Price/Earnings ratio to 26.46, which is the current average of the S&P500 Index.

HIPO is expected to report negative earnings next year, which makes the Forward Price/Earnings Ratio negative.

		Industry Rank	Sector Rank
PE	8.41
Fwd PE	N/A

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

HIPO's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

HIPO's earnings are expected to grow with 34.65% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.15

PEG (5Y)N/A

EPS Next 2Y40.28%

EPS Next 3Y34.65%

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5. Dividend

5.1 Amount

HIPO does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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HIPPO HOLDINGS INC

NYSE:HIPO (12/5/2025, 8:26:07 PM)

After market: 30.45 0 (0%)

30.45

-0.31 (-1.01%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)11-05 2025-11-05/bmo

Earnings (Next)03-04 2026-03-04/amc

Inst Owners49.97%

Inst Owner Change-6.11%

Ins Owners9.1%

Ins Owner Change-4.69%

Market Cap771.60M

Revenue(TTM)450.10M

Net Income(TTM)95.90M

Analysts80

Price Target41.14 (35.11%)

Short Float %2.99%

Short Ratio3.12

Dividend

		Industry Rank	Sector 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)98.4%

Min EPS beat(2)89.54%

Max EPS beat(2)107.26%

EPS beat(4)3

Avg EPS beat(4)215.38%

Min EPS beat(4)-18.4%

Max EPS beat(4)683.12%

EPS beat(8)6

Avg EPS beat(8)113.05%

EPS beat(12)7

Avg EPS beat(12)69.89%

EPS beat(16)7

Avg EPS beat(16)40.05%

Revenue beat(2)1

Avg Revenue beat(2)0.27%

Min Revenue beat(2)-0.53%

Max Revenue beat(2)1.08%

Revenue beat(4)3

Avg Revenue beat(4)0.99%

Min Revenue beat(4)-0.53%

Max Revenue beat(4)2.13%

Revenue beat(8)5

Avg Revenue beat(8)3.95%

Revenue beat(12)8

Avg Revenue beat(12)4.79%

Revenue beat(16)9

Avg Revenue beat(16)3.48%

PT rev (1m)9.01%

PT rev (3m)9.01%

EPS NQ rev (1m)2903%

EPS NQ rev (3m)248.15%

EPS NY rev (1m)0%

EPS NY rev (3m)-9.25%

Revenue NQ rev (1m)0.88%

Revenue NQ rev (3m)0.75%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-0.03%

Valuation

		Industry Rank	Sector Rank
PE	8.41
Fwd PE	N/A
P/S	1.71
P/FCF	N/A
P/OCF	N/A
P/B	1.83
P/tB	2.12
EV/EBITDA	N/A

EPS(TTM)3.62

EY11.89%

EPS(NY)-0.07

Fwd EYN/A

FCF(TTM)-0.46

FCFYN/A

OCF(TTM)-0.02

OCFYN/A

SpS17.76

BVpS16.63

TBVpS14.37

PEG (NY)0.15

PEG (5Y)N/A

Graham Number36.81

Profitability

		Industry Rank	Sector Rank
ROA	5.12%
ROE	22.75%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	21.31%
GM	N/A
FCFM	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

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexgc growth 3YN/A

ROICexgc 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-Score6

Asset Turnover0.24

Health

		Industry Rank	Sector Rank
Debt/Equity	0.11
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	48.28%
Cap/Sales	2.49%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	3.79
Quick Ratio	3.79
Altman-Z	-0.35

F-Score6

WACC8.78%

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)165.7%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%662.69%

EPS Next Y54.78%

EPS Next 2Y40.28%

EPS Next 3Y34.65%

EPS Next 5Y44.34%

Revenue 1Y (TTM)34.48%

Revenue growth 3Y59.79%

Revenue growth 5Y60.72%

Sales Q2Q%26.28%

Revenue Next Year26.78%

Revenue Next 2Y24.39%

Revenue Next 3Y23.33%

Revenue Next 5Y19.11%

EBIT growth 1Y72.02%

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next Year73%

EBIT Next 3Y36.36%

EBIT Next 5Y28.14%

FCF growth 1Y90.31%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y99.46%

OCF growth 3YN/A

OCF growth 5YN/A

HIPPO HOLDINGS INC / HIPO FAQ

What is the fundamental rating for HIPO stock?

ChartMill assigns a fundamental rating of 4 / 10 to HIPO.

What is the valuation status of HIPPO HOLDINGS INC (HIPO) stock?

ChartMill assigns a valuation rating of 4 / 10 to HIPPO HOLDINGS INC (HIPO). This can be considered as Fairly Valued.

What is the profitability of HIPO stock?

HIPPO HOLDINGS INC (HIPO) has a profitability rating of 3 / 10.

What are the PE and PB ratios of HIPPO HOLDINGS INC (HIPO) stock?

The Price/Earnings (PE) ratio for HIPPO HOLDINGS INC (HIPO) is 8.41 and the Price/Book (PB) ratio is 1.83.

HIPPO HOLDINGS INC (HIPO) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

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HIPPO HOLDINGS INC / HIPO FAQ

What is the fundamental rating for HIPO stock?

What is the valuation status of HIPPO HOLDINGS INC (HIPO) stock?

What is the profitability of HIPO stock?

What are the PE and PB ratios of HIPPO HOLDINGS INC (HIPO) stock?