HIPO vs HGTY

For growth investors, Hippo Holdings Inc.

(HIPO) is the stronger pick with 25. 9% revenue growth year-over-year, versus 22. 2% for Hagerty, Inc. (HGTY). Hippo Holdings Inc. (HIPO) offers the better valuation at 12. 4x trailing P/E (114. 3x forward), making it the more compelling value choice. Analysts rate Hippo Holdings Inc. (HIPO) a "Buy" — based on 6 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, Hippo Holdings Inc.

(HIPO) is the cheapest at 12. 4x versus Hagerty, Inc. at 27. 8x. On forward P/E, Hagerty, Inc. is actually cheaper at 100. 9x — notably different from the trailing picture, reflecting expected earnings growth.

Over the past 5 years, Hagerty, Inc.

(HGTY) delivered a total return of +5. 6%, compared to -88. 9% for Hippo Holdings Inc. (HIPO). Over 10 years, the gap is even starker: HGTY returned +5. 6% versus HIPO's -90. 5%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Hagerty, Inc.

(HGTY) is the lower-risk stock at 0. 53β versus Hippo Holdings Inc. 's 1. 40β — meaning HIPO is approximately 163% more volatile than HGTY relative to the S&P 500. On balance sheet safety, Hippo Holdings Inc. (HIPO) carries a lower debt/equity ratio of 12% versus 31% for Hagerty, Inc. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Hippo Holdings Inc.

(HIPO) is pulling ahead at 25. 9% versus 22. 2% for Hagerty, Inc. (HGTY). On earnings-per-share growth, the picture is similar: Hagerty, Inc. grew EPS 270. 0% year-over-year, compared to 235. 4% for Hippo Holdings Inc.. Over a 3-year CAGR, HIPO leads at 57. 6% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

Hippo Holdings Inc.

(HIPO) is the more profitable company, earning 12. 3% net margin versus 3. 4% for Hagerty, Inc. — meaning it keeps 12. 3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: HIPO leads at 13. 5% versus 9. 6% for HGTY. At the gross margin level — before operating expenses — HGTY leads at 80. 4%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

On forward earnings alone, Hagerty, Inc.

(HGTY) trades at 100. 9x forward P/E versus 114. 3x for Hippo Holdings Inc. — 13. 5x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for HGTY: 39. 1% to $14. 33.

In this comparison, HGTY (0.

2% yield) pays a dividend. HIPO does not pay a meaningful dividend and should not be held primarily for income.

For long-horizon retirement investors, Hagerty, Inc.

(HGTY) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 53)). Both have compounded well over 10 years (HGTY: +5. 6%, HIPO: -90. 5%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.

These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.