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HIPPO HOLDINGS INC (HIPO) Stock Fundamental Analysis

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

28.91  +0.08 (+0.28%)

After market: 28.91 0 (0%)

Fundamental Rating

4

We assign a fundamental rating of 4 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 valued quite expensive, but it does show an excellent growth.


Dividend Valuation Growth Profitability Health

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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

HIPO's Return On Assets of -2.62% is on the low side compared to the rest of the industry. HIPO is outperformed by 89.51% of its industry peers.
HIPO has a Return On Equity of -11.18%. This is amonst the worse of the industry: HIPO underperforms 87.41% 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.
HIPO has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, HIPO has more shares outstanding
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 -0.68, we must say that HIPO is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of -0.68, HIPO is in the better half of 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 -0.68
ROIC/WACCN/A
WACC8.91%
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 2.15. This indicates that HIPO is financially healthy and has no problem in meeting its short term obligations.
HIPO has a better Current ratio (2.15) than 90.91% of its industry peers.
A Quick Ratio of 2.15 indicates that HIPO has no problem at all paying its short term obligations.
Looking at the Quick ratio, with a value of 2.15, HIPO belongs to the top of the industry, outperforming 90.91% of the companies in the same industry.
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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3. Growth

3.1 Past

HIPO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 96.89%, which is quite impressive.
Looking at the last year, HIPO shows a very strong growth in Revenue. The Revenue has grown by 77.44%.
The Revenue has been growing by 60.72% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)96.89%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%139.63%
Revenue 1Y (TTM)77.44%
Revenue growth 3Y59.79%
Revenue growth 5Y60.72%
Sales Q2Q%30.92%

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 a strong growth in Revenue. In the coming years, the Revenue will grow by 20.38% yearly.
EPS Next Y-34.23%
EPS Next 2Y40.9%
EPS Next 3Y33.11%
EPS Next 5Y27.18%
Revenue Next Year28.34%
Revenue Next 2Y25.05%
Revenue Next 3Y24.04%
Revenue Next 5Y20.38%

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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4. Valuation

4.1 Price/Earnings Ratio

HIPO reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
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

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 63.64% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 20.49
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

HIPO's earnings are expected to grow with 33.11% 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 3Y33.11%

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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 (8/11/2025, 6:40:00 PM)

After market: 28.91 0 (0%)

28.91

+0.08 (+0.28%)

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 Change-0.38%
Ins Owners8.21%
Ins Owner Change-2.32%
Market Cap727.38M
Analysts80
Price Target34.42 (19.06%)
Short Float %3.34%
Short Ratio2.45
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)2.27%
PT rev (3m)11.26%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-62.63%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.21%
Revenue NY rev (3m)0.55%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 1.95
P/FCF 20.49
P/OCF 15.31
P/B 2.01
P/tB 2.45
EV/EBITDA N/A
EPS(TTM)-0.22
EYN/A
EPS(NY)-0.03
Fwd EYN/A
FCF(TTM)1.41
FCFY4.88%
OCF(TTM)1.89
OCFY6.53%
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 -0.68
F-Score8
WACC8.91%
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)96.89%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%139.63%
EPS Next Y-34.23%
EPS Next 2Y40.9%
EPS Next 3Y33.11%
EPS Next 5Y27.18%
Revenue 1Y (TTM)77.44%
Revenue growth 3Y59.79%
Revenue growth 5Y60.72%
Sales Q2Q%30.92%
Revenue Next Year28.34%
Revenue Next 2Y25.05%
Revenue Next 3Y24.04%
Revenue Next 5Y20.38%
EBIT growth 1Y69.64%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year61.06%
EBIT Next 3Y36.96%
EBIT Next 5Y29.71%
FCF growth 1Y125.52%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y151.41%
OCF growth 3YN/A
OCF growth 5YN/A