HIPPO HOLDINGS INC (HIPO) Stock Fundamental Analysis
USA - NYSE:HIPO - US4335392027 - Common Stock
33.61 USD
-0.03 (-0.09%)
33.5 USD
-0.11 (-0.33%)
We assign a fundamental rating of 4 out of 10 to HIPO. HIPO was compared to 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 not overvalued while it is showing excellent growth. This is an interesting combination.
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.
HIPO had negative earnings in each of the past 5 years.
HIPO had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 5.12%, HIPO belongs to the top of the industry, outperforming 84.25% of the companies in the same industry.
HIPO has a Return On Equity of 22.75%. This is amongst the best in the industry. HIPO outperforms 89.73% of its industry peers.
| 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
Looking at the Profit Margin, with a value of 21.31%, HIPO belongs to the top of the industry, outperforming 90.41% of the companies in the same industry.
HIPO does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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
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.
2.2 Solvency
HIPO has an Altman-Z score of -0.32. This is a bad value and indicates that HIPO is not financially healthy and even has some risk of bankruptcy.
HIPO has a Altman-Z score of -0.32. This is in the better half of the industry: HIPO outperforms 64.38% 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 76.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -0.32 |
ROIC/WACCN/A
WACC8.77%
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.
The Current ratio of HIPO (3.79) is better than 95.21% 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.
HIPO's Quick ratio of 3.79 is amongst the best of the industry. HIPO outperforms 95.21% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.79 | ||
| Quick Ratio | 3.79 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 165.70% over the past year.
The Revenue has grown by 34.48% in the past year. This is a very strong growth!
The Revenue has been growing by 60.72% on average over the past years. This is a very strong growth!
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
The Earnings Per Share is expected to grow by 44.34% on average over the next years. This is a very strong growth
Based on estimates for the next years, HIPO will show a quite strong growth in Revenue. The Revenue will grow by 18.91% on average per year.
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 5Y18.91%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 9.28, which indicates a very decent valuation of HIPO.
Based on the Price/Earnings ratio, HIPO is valued a bit cheaper than the industry average as 64.38% of the companies are valued more expensively.
HIPO's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.34.
The Forward Price/Earnings Ratio is negative for HIPO. No positive earnings are expected for the next year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.28 | ||
| 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)0.17
PEG (5Y)N/A
EPS Next 2Y40.28%
EPS Next 3Y34.65%
5. Dividend
5.1 Amount
No dividends for HIPO!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
33.61
-0.03 (-0.09%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners48.71%
Inst Owner Change-4.98%
Ins Owners9.25%
Ins Owner Change-4.62%
Market Cap841.26M
Revenue(TTM)450.10M
Net Income(TTM)95.90M
Analysts80
Price Target41.14 (22.4%)
Short Float %3.54%
Short Ratio4.58
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)19.51%
EPS NQ rev (1m)-35.64%
EPS NQ rev (3m)719.05%
EPS NY rev (1m)-185.5%
EPS NY rev (3m)66.31%
Revenue NQ rev (1m)-0.02%
Revenue NQ rev (3m)-3.33%
Revenue NY rev (1m)-0.03%
Revenue NY rev (3m)-1.21%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.28 | ||
| Fwd PE | N/A | ||
| P/S | 1.87 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2 | ||
| P/tB | 2.31 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.62
EY10.77%
EPS(NY)-0.07
Fwd EYN/A
FCF(TTM)-0.46
FCFYN/A
OCF(TTM)-0.02
OCFYN/A
SpS17.98
BVpS16.84
TBVpS14.55
PEG (NY)0.17
PEG (5Y)N/A
Graham Number37.04
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 | -0.32 |
F-Score6
WACC8.77%
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 5Y18.91%
EBIT growth 1Y72.02%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year73%
EBIT Next 3Y36.36%
EBIT Next 5Y28.5%
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 9.28 and the Price/Book (PB) ratio is 2.