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HIPPO HOLDINGS INC (HIPO) Stock Fundamental Analysis

NYSE:HIPO - US4335392027 - Common Stock

33.81 USD
+0.43 (+1.29%)
Last: 8/29/2025, 8:04:00 PM
33.81 USD
0 (0%)
After Hours: 8/29/2025, 8:04:00 PM
Fundamental Rating

3

Overall HIPO gets a fundamental rating of 3 out of 10. We evaluated HIPO against 146 industry peers in the Insurance industry. HIPO scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. HIPO is valued quite expensive, but it does show an excellent growth.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

In the past year HIPO has reported negative net income.
In the past year HIPO had a positive cash flow from operations.
HIPO had negative earnings in each of the past 5 years.
HIPO had negative operating cash flow in 4 of the past 5 years.
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

The Return On Assets of HIPO (-0.63%) is worse than 85.62% of its industry peers.
HIPO has a Return On Equity of -3.21%. This is amonst the worse of the industry: HIPO underperforms 85.62% of its industry peers.
Industry RankSector Rank
ROA -0.63%
ROE -3.21%
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

HIPO does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
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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6

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

HIPO has an Altman-Z score of -0.51. 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 (-0.51) than 64.38% of its industry peers.
HIPO has a debt to FCF ratio of 2.62. This is a good value and a sign of high solvency as HIPO would need 2.62 years to pay back of all of its debts.
With a Debt to FCF ratio value of 2.62, HIPO perfoms like the industry average, outperforming 47.95% of the companies in the same industry.
A Debt/Equity ratio of 0.14 indicates that HIPO is not too dependend on debt financing.
HIPO's Debt to Equity ratio of 0.14 is fine compared to the rest of the industry. HIPO outperforms 71.92% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 2.62
Altman-Z -0.51
ROIC/WACCN/A
WACC8.87%
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

HIPO has a Current Ratio of 3.38. This indicates that HIPO is financially healthy and has no problem in meeting its short term obligations.
With an excellent Current ratio value of 3.38, HIPO belongs to the best of the industry, outperforming 95.21% of the companies in the same industry.
A Quick Ratio of 3.38 indicates that HIPO has no problem at all paying its short term obligations.
Looking at the Quick ratio, with a value of 3.38, HIPO belongs to the top of the industry, outperforming 95.21% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 3.38
Quick Ratio 3.38
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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7

3. Growth

3.1 Past

HIPO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 88.42%, which is quite impressive.
HIPO shows a strong growth in Revenue. In the last year, the Revenue has grown by 43.04%.
The Revenue has been growing by 60.72% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)88.42%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%103.05%
Revenue 1Y (TTM)43.04%
Revenue growth 3Y59.79%
Revenue growth 5Y60.72%
Sales Q2Q%30.92%

3.2 Future

Based on estimates for the next years, HIPO will show a very strong growth in Earnings Per Share. The EPS will grow by 44.34% on average per year.
Based on estimates for the next years, HIPO will show a very strong growth in Revenue. The Revenue will grow by 24.13% on average per year.
EPS Next Y58.61%
EPS Next 2Y40.9%
EPS Next 3Y39.52%
EPS Next 5Y44.34%
Revenue Next Year26.83%
Revenue Next 2Y26.15%
Revenue Next 3Y25.31%
Revenue Next 5Y24.13%

3.3 Evolution

Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of 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 800M
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

The Price/Earnings Ratio is negative for HIPO. In the last year negative earnings were reported.
Also next year HIPO is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
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 -200 -400 -600 -800 -1K

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, HIPO is valued a bit more expensive than the industry average as 71.23% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 46.24
EV/EBITDA N/A
HIPO Per share dataHIPO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15

4.3 Compensation for Growth

HIPO's earnings are expected to grow with 39.52% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y40.9%
EPS Next 3Y39.52%

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0

5. Dividend

5.1 Amount

No dividends for HIPO!.
Industry RankSector Rank
Dividend Yield N/A

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HIPPO HOLDINGS INC

NYSE:HIPO (8/29/2025, 8:04:00 PM)

After market: 33.81 0 (0%)

33.81

+0.43 (+1.29%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)08-06 2025-08-06/bmo
Earnings (Next)11-06 2025-11-06/bmo
Inst Owners45.28%
Inst Owner Change10.37%
Ins Owners8.21%
Ins Owner Change-2.2%
Market Cap846.26M
Analysts80
Price Target37.74 (11.62%)
Short Float %3.18%
Short Ratio2.33
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)1
Avg EPS beat(2)44.43%
Min EPS beat(2)-18.4%
Max EPS beat(2)107.26%
EPS beat(4)3
Avg EPS beat(4)200.02%
Min EPS beat(4)-18.4%
Max EPS beat(4)683.12%
EPS beat(8)6
Avg EPS beat(8)104.62%
EPS beat(12)6
Avg EPS beat(12)54.63%
EPS beat(16)6
Avg EPS beat(16)33.7%
Revenue beat(2)1
Avg Revenue beat(2)0.38%
Min Revenue beat(2)-0.53%
Max Revenue beat(2)1.29%
Revenue beat(4)2
Avg Revenue beat(4)0.6%
Min Revenue beat(4)-0.53%
Max Revenue beat(4)2.13%
Revenue beat(8)5
Avg Revenue beat(8)4.27%
Revenue beat(12)7
Avg Revenue beat(12)4.33%
Revenue beat(16)8
Avg Revenue beat(16)2.63%
PT rev (1m)9.63%
PT rev (3m)21.98%
EPS NQ rev (1m)1061.9%
EPS NQ rev (3m)1213.97%
EPS NY rev (1m)69.16%
EPS NY rev (3m)63.71%
Revenue NQ rev (1m)-3.31%
Revenue NQ rev (3m)1.87%
Revenue NY rev (1m)-1.18%
Revenue NY rev (3m)-0.92%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 1.99
P/FCF 46.24
P/OCF 28.78
P/B 2.55
P/tB 3.13
EV/EBITDA N/A
EPS(TTM)-0.82
EYN/A
EPS(NY)-0.03
Fwd EYN/A
FCF(TTM)0.73
FCFY2.16%
OCF(TTM)1.17
OCFY3.47%
SpS16.97
BVpS13.26
TBVpS10.79
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.63%
ROE -3.21%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 4.31%
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-Score7
Asset Turnover0.25
Health
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 2.62
Debt/EBITDA N/A
Cap/Depr 47.84%
Cap/Sales 2.61%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 3.38
Quick Ratio 3.38
Altman-Z -0.51
F-Score7
WACC8.87%
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)88.42%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%103.05%
EPS Next Y58.61%
EPS Next 2Y40.9%
EPS Next 3Y39.52%
EPS Next 5Y44.34%
Revenue 1Y (TTM)43.04%
Revenue growth 3Y59.79%
Revenue growth 5Y60.72%
Sales Q2Q%30.92%
Revenue Next Year26.83%
Revenue Next 2Y26.15%
Revenue Next 3Y25.31%
Revenue Next 5Y24.13%
EBIT growth 1Y64.76%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year61.06%
EBIT Next 3Y36.96%
EBIT Next 5Y29.81%
FCF growth 1Y111.12%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y124.89%
OCF growth 3YN/A
OCF growth 5YN/A