HIPPO HOLDINGS INC (HIPO) Fundamental Analysis & Valuation

NYSE:HIPO • US4335392027

25.71 USD
-0.33 (-1.27%)
At close: Mar 11, 2026
25.71 USD
0 (0%)
After Hours: 3/11/2026, 6:40:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This HIPO fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

3

Overall HIPO gets a fundamental rating of 3 out of 10. We evaluated HIPO against 149 industry peers in the Insurance industry. The financial health of HIPO is average, but there are quite some concerns on its profitability. HIPO is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

3

1. HIPO Profitability Analysis

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.
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

  • Looking at the Return On Assets, with a value of 5.12%, HIPO belongs to the top of the industry, outperforming 80.54% 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 89.93% of its industry peers.
Industry RankSector 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
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 has a better Profit Margin (21.31%) than 88.59% of its industry peers.
  • The Operating Margin and Gross Margin are not available for HIPO so they could not be analyzed.
Industry RankSector 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
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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5

2. HIPO Health Analysis

2.1 Basic Checks

  • HIPO does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • 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

  • HIPO has an Altman-Z score of -0.40. 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 (-0.40) than 66.44% 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 75.84% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF N/A
Altman-Z -0.4
ROIC/WACCN/A
WACC8.79%
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 3.79. This indicates that HIPO is financially healthy and has no problem in meeting its short term obligations.
  • With an excellent Current ratio value of 3.79, HIPO belongs to the best of the industry, outperforming 93.96% of the companies in the same industry.
  • 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 93.96% of its industry peers.
Industry RankSector Rank
Current Ratio 3.79
Quick Ratio 3.79
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. HIPO Growth Analysis

3.1 Past

  • HIPO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 203.38%, which is quite impressive.
EPS 1Y (TTM)203.38%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-86.55%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%18.04%

3.2 Future

  • The Earnings Per Share is expected to grow by 16.30% on average over the next years. This is quite good.
  • Based on estimates for the next years, HIPO will show a very strong growth in Revenue. The Revenue will grow by 22.06% on average per year.
EPS Next Y-95.39%
EPS Next 2Y-36.22%
EPS Next 3Y16.3%
EPS Next 5YN/A
Revenue Next Year23.04%
Revenue Next 2Y23.66%
Revenue Next 3Y22.06%
Revenue Next 5YN/A

3.3 Evolution

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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2

4. HIPO Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 12.01, which indicates a correct valuation of HIPO.
  • Compared to the rest of the industry, the Price/Earnings ratio of HIPO is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Earnings ratio of 26.15, HIPO is valued rather cheaply.
  • The Price/Forward Earnings ratio is 260.74, which means the current valuation is very expensive for HIPO.
  • HIPO's Price/Forward Earnings ratio is rather expensive when compared to the industry. HIPO is more expensive than 81.21% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 24.27, HIPO is valued quite expensively.
Industry RankSector Rank
PE 12.01
Fwd PE 260.74
HIPO Price Earnings VS Forward Price EarningsHIPO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 50 100 150 200 250

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
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 16.30% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-36.22%
EPS Next 3Y16.3%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. HIPO Dividend Analysis

5.1 Amount

  • HIPO does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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HIPO Fundamentals: All Metrics, Ratios and Statistics

HIPPO HOLDINGS INC

NYSE:HIPO (3/11/2026, 6:40:00 PM)

After market: 25.71 0 (0%)

25.71

-0.33 (-1.27%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-25
Earnings (Next)05-05
Inst Owners53.58%
Inst Owner Change29.03%
Ins Owners10.23%
Ins Owner Change2%
Market Cap651.49M
Revenue(TTM)N/A
Net Income(TTM)95.90M
Analysts80
Price Target40.46 (57.37%)
Short Float %2.83%
Short Ratio4.04
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)0%
PT rev (3m)-1.65%
EPS NQ rev (1m)0%
EPS NQ rev (3m)20%
EPS NY rev (1m)0%
EPS NY rev (3m)2061.21%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.91%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.24%
Valuation
Industry RankSector Rank
PE 12.01
Fwd PE 260.74
P/S 1.45
P/FCF N/A
P/OCF N/A
P/B 1.55
P/tB 1.79
EV/EBITDA N/A
EPS(TTM)2.14
EY8.32%
EPS(NY)0.1
Fwd EY0.38%
FCF(TTM)-0.46
FCFYN/A
OCF(TTM)-0.02
OCFYN/A
SpS17.76
BVpS16.63
TBVpS14.37
PEG (NY)N/A
PEG (5Y)N/A
Graham Number28.3
Profitability
Industry RankSector 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 RankSector 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 -0.4
F-Score6
WACC8.79%
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)203.38%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-86.55%
EPS Next Y-95.39%
EPS Next 2Y-36.22%
EPS Next 3Y16.3%
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%18.04%
Revenue Next Year23.04%
Revenue Next 2Y23.66%
Revenue Next 3Y22.06%
Revenue Next 5YN/A
EBIT growth 1Y72.02%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year82.35%
EBIT Next 3Y34.73%
EBIT Next 5Y30.96%
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 3 / 10 to HIPO.


What is the valuation status for HIPO stock?

ChartMill assigns a valuation rating of 2 / 10 to HIPPO HOLDINGS INC (HIPO). This can be considered as Overvalued.


Can you provide the profitability details for HIPPO HOLDINGS INC?

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


Can you provide the expected EPS growth for HIPO stock?

The Earnings per Share (EPS) of HIPPO HOLDINGS INC (HIPO) is expected to decline by -95.39% in the next year.