HIPPO HOLDINGS INC (HIPO) Stock Fundamental Analysis
USA - NYSE:HIPO - US4335392027 - Common Stock
33.59 USD
-0.28 (-0.83%)
34.94 USD
+1.35 (+4.02%)
Taking everything into account, HIPO scores 4 out of 10 in our fundamental rating. HIPO was compared to 146 industry peers in the Insurance industry. The financial health of HIPO is average, but there are quite some concerns on its profitability. HIPO is not overvalued while it is showing excellent growth. This is an interesting combination.
1. Profitability
1.1 Basic Checks
In the past year HIPO was profitable.
HIPO had a positive operating cash flow in the past year.
HIPO had negative earnings in each of the past 5 years.
In the past 5 years HIPO reported 4 times negative operating cash flow.
1.2 Ratios
With a Return On Assets value of -0.63%, HIPO is not doing good in the industry: 86.30% of the companies in the same industry are doing better.
HIPO has a Return On Equity of -3.21%. This is amonst the worse of the industry: HIPO underperforms 86.30% of its industry peers.
| Industry Rank | Sector 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
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 Rank | Sector 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
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.
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 -0.52. This is a bad value and indicates that HIPO is not financially healthy and even has some risk of bankruptcy.
With a decent Altman-Z score value of -0.52, HIPO is doing good in the industry, outperforming 64.38% of the companies in the same industry.
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 50.68% of the companies in the same industry.
A Debt/Equity ratio of 0.14 indicates that HIPO is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.14, HIPO is in the better half of the industry, outperforming 73.97% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 2.62 | ||
| Altman-Z | -0.52 |
ROIC/WACCN/A
WACC8.75%
2.3 Liquidity
A Current Ratio of 3.38 indicates that HIPO has no problem at all paying its short term obligations.
HIPO has a Current ratio of 3.38. This is amongst the best in the industry. HIPO outperforms 95.21% of its industry peers.
HIPO has a Quick Ratio of 3.38. This indicates that HIPO is financially healthy and has no problem in meeting its short term obligations.
HIPO has a better Quick ratio (3.38) than 95.21% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.38 | ||
| Quick Ratio | 3.38 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 165.70% over the past year.
Looking at the last year, HIPO shows a very strong growth in Revenue. The Revenue has grown by 34.39%.
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)34.39%
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.
The Revenue is expected to grow by 18.91% on average over the next years. This is quite good.
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
HIPO is valuated reasonably with a Price/Earnings ratio of 9.28.
Compared to the rest of the industry, the Price/Earnings ratio of HIPO indicates a somewhat cheap valuation: HIPO is cheaper than 63.70% of the companies listed in the same industry.
HIPO is valuated cheaply when we compare the Price/Earnings ratio to 26.28, which is the current average of the S&P500 Index.
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
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 70.55% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 45.94 | ||
| 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.
A more expensive valuation may be justified as HIPO's earnings are expected to grow with 34.65% in the coming years.
PEG (NY)0.17
PEG (5Y)N/A
EPS Next 2Y40.28%
EPS Next 3Y34.65%
5. Dividend
5.1 Amount
HIPO does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
33.59
-0.28 (-0.83%)
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 Cap840.76M
Revenue(TTM)449.80M
Net Income(TTM)-10.70M
Analysts80
Price Target41.14 (22.48%)
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)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)9.01%
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 | 1.98 | ||
| P/FCF | 45.94 | ||
| P/OCF | 28.6 | ||
| P/B | 2.53 | ||
| P/tB | 3.11 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.62
EY10.78%
EPS(NY)-0.07
Fwd EYN/A
FCF(TTM)0.73
FCFY2.18%
OCF(TTM)1.17
OCFY3.5%
SpS16.97
BVpS13.26
TBVpS10.79
PEG (NY)0.17
PEG (5Y)N/A
Graham Number32.87
Profitability
| Industry Rank | Sector 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
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-Score7
Asset Turnover0.25
Health
| Industry Rank | Sector 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 | -0.52 |
F-Score7
WACC8.75%
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)34.39%
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 1Y64.76%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year73%
EBIT Next 3Y36.36%
EBIT Next 5Y28.5%
FCF growth 1Y111.12%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y124.89%
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 1 / 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 2.53.