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Hippo Holdings Inc.(HIPO)Earnings, Financials & Key Ratios
HIPO•NYSE•Insurance & Managed Care
$27.39
$713M mkt cap·12.3× P/E·Price updated May 6, 2026
AboutHippo Holdings Inc. provides home protection insurance in the United States and the District of Columbia. Its insurance products include homeowners' insurance against risks of fire, wind, and theft; and commercial and personal lines of products. The company distributes insurance products and services through its technology platform; and offers its policies online, over the phone, or through licensed insurance agents. It provides care and protection for homeowners, as well as operates an integrated home protection platform. The company is headquartered in Palo Alto, California.Show more
- Revenue$469M+25.9%
- Combined Ratio86.49%-19.4%
- Net Income$58M+242.5%
- Return on Equity14.4%+233.3%
- Medical Cost Ratio49.06%-38.7%
- Operating Margin13.51%+283.4%
- Net Margin12.31%+213.1%
- ROA3.35%+226.7%
- Equity / Assets22.89%-3.3%
- Book Value per Share16.77+13.4%
- Tangible BV/Share16.24+33.6%
- Debt/Equity0.12+338.8%
HIPO Key Insights
Hippo Holdings Inc. (HIPO) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Profitable underwriting: 86.5% combined ratio
- ✓Low loss ratio of 49.1%
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
HIPO Price & Volume
Hippo Holdings Inc. (HIPO) stock price & volume — 10-year historical chart
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HIPO Growth Metrics
Hippo Holdings Inc. (HIPO) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years55.46%
3 Years57.6%
TTM20.77%
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM314.29%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM305.71%
Return on Capital
10 Years-25.53%
5 Years-21.33%
3 Years-14.47%
Last Year6.92%
HIPO Recent Earnings
Hippo Holdings Inc. (HIPO) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 10/12 qtrs (83%)●Beat Revenue 2/12 qtrs (17%)
Q2 2026Latest
Apr 30, 2026EPS
$0.27
Est $0.09
+204.0%
Revenue
$122M
Est $127M
-4.7%
Q1 2026
Feb 25, 2026EPS
$0.24
Est $0.21
+14.3%
Revenue
$120M
Est $121M
-0.5%
Q1 2026
Feb 24, 2026EPS
$0.24
Est $0.21
+14.3%
Revenue
$120M
Est $121M
-0.5%
Q4 2025
Nov 5, 2025EPS
$0.70
Est $0.04
+1650.0%
Revenue
$121M
Est $121M
-0.4%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 30, 2026 | $0.27vs $0.09+204.0% | $122Mvs $127M-4.7% |
| Q1 2026 | Feb 25, 2026 | $0.24vs $0.21+14.3% | $120Mvs $121M-0.5% |
| Q1 2026 | Feb 24, 2026 | $0.24vs $0.21+14.3% | $120Mvs $121M-0.5% |
| Q4 2025 | Nov 5, 2025 | $0.70vs $0.04+1650.0% | $121Mvs $121M-0.4% |
Based on last 12 quarters of dataView full earnings history →
HIPO Peer Comparison
Hippo Holdings Inc. (HIPO) competitors in Specialty Personal and Pet Insurance — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 LMND | 4.07B | 53.00 | -23.04 | 40.15% | -16.92% | -26.52% | 0.34 | |
 ROOT | 771.58M | 55.05 | 24.58 | 28.95% | 3.59% | 15.42% | 0.51 | |
 KINS | 257.8M | 16.45 | 11.11 | 7.6% | 15.68% | 35.79% | 0.17 | |
 HGTY | 3.46B | 10.07 | 27.22 | 22.23% | 0.81% | 1.77% | 0.31 | |
 SLNG | 80.15M | 4.31 | -59.20 | -6.89% | -1.98% | -2.05% | 0.13 | |
 ALL | 56.1B | 217.92 | 5.71 | 4.64% | 18.09% | 42.74% | 0.24 | |
 TRV | 65.22B | 301.59 | 10.99 | 5.17% | 12.88% | 19.12% | 0.28 | |
 CB | 125.61B | 321.90 | 12.51 | 6.47% | 17.25% | 13.62% | 0.28 |
Compare HIPO vs Peers
Hippo Holdings Inc. (HIPO) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
HIPO Income Statement
Hippo Holdings Inc. (HIPO) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|
| Revenue | 34.7M | 51.6M | 91.2M | 119.7M | 209.7M | 372.1M | 468.6M | 479.8M |
| Revenue Growth % | - | 48.7% | 76.74% | 31.25% | 75.19% | 77.44% | 25.93% | 20.77% |
| Medical Costs & Claims | 0 | 35M | 105.9M | 179.1M | 293.1M | 297.8M | 229.9M | 285.6M |
| Medical Cost Ratio % | 0% | 67.83% | 116.12% | 149.62% | 139.77% | 80.03% | 49.06% | 59.52% |
| Gross Profit | 34.7M▲ 0% | 16.6M▼ 52.2% | -14.7M▼ 188.6% | -59.4M▼ 304.1% | -83.4M▼ 40.4% | 74.3M▲ 189.1% | 238.7M▲ 221.3% | 194.2M▲ 0% |
| Gross Margin % | 100% | 32.17% | -16.12% | -49.62% | -39.77% | 19.97% | 50.94% | 40.48% |
| Gross Profit Growth % | - | -52.16% | -188.55% | -304.08% | -40.4% | 189.09% | 221.27% | - |
| Operating Expenses | 106.5M | 159.8M | 352.5M | 265.8M | 179.1M | 101.7M | 175.4M | 78.1M |
| OpEx / Revenue % | 306.92% | 309.69% | 386.51% | 222.06% | 85.41% | 27.33% | 37.43% | 16.28% |
| Depreciation & Amortization | 0 | 6.7M | 11M | 15.2M | 19.8M | 23.2M | 0 | 0 |
| Combined Ratio % | 306.92% | 377.52% | 502.63% | 371.68% | 225.18% | 107.36% | 86.49% | 75.8% |
| Operating Income | -71.8M▲ 0% | -143.2M▼ 99.4% | -367.2M▼ 156.4% | -325.2M▲ 11.4% | -262.5M▲ 19.3% | -27.4M▲ 89.6% | 63.3M▲ 331.0% | 116.1M▲ 0% |
| Operating Margin % | -206.92% | -277.52% | -402.63% | -271.68% | -125.18% | -7.36% | 13.51% | 24.2% |
| Operating Income Growth % | - | -99.44% | -156.42% | 11.44% | 19.28% | 89.56% | 331.02% | - |
| EBITDA | -71.8M | -136.5M | -356.2M | -310M | -242.7M | -4.2M | 63.3M | 116.1M |
| EBITDA Margin % | -206.92% | -264.53% | -390.57% | -258.98% | -115.74% | -1.13% | 13.51% | 24.2% |
| Interest Expense | 0 | 26M | 198.9M | 0 | 0 | 0 | 0 | 0 |
| Non-Operating Income | -71.8M | -26M | -198.9M | 0 | 0 | 0 | 0 | 0 |
| Pretax Income | -83M▲ 0% | -143.2M▼ 72.5% | -367.2M▼ 156.4% | -325.2M▲ 11.4% | -262.5M▲ 19.3% | -27.4M▲ 89.6% | 63.3M▲ 331.0% | 116.1M▲ 0% |
| Pretax Margin % | -239.19% | -277.52% | -402.63% | -271.68% | -125.18% | -7.36% | 13.51% | 24.2% |
| Income Tax | 100K | -1.8M | 700K | 1.3M | 500K | 1.2M | 700K | 1M |
| Effective Tax Rate % | -0.12% | 1.26% | -0.19% | -0.4% | -0.19% | -4.38% | 1.11% | 0.86% |
| Net Income | -83.1M▲ 0% | -141.5M▼ 70.3% | -371.4M▼ 162.5% | -333.4M▲ 10.2% | -273.1M▲ 18.1% | -40.5M▲ 85.2% | 57.7M▲ 242.5% | 112.5M▲ 0% |
| Net Margin % | -239.48% | -274.22% | -407.24% | -278.53% | -130.23% | -10.88% | 12.31% | 23.45% |
| Net Income Growth % | - | -70.28% | -162.47% | 10.23% | 18.09% | 85.17% | 242.47% | 314.29% |
| EPS (Diluted) | -171.52▲ 0% | -40.68▲ 76.3% | -23.77▲ 41.6% | -14.35▲ 39.6% | -11.58▲ 19.3% | -1.64▲ 85.8% | 2.22▲ 235.4% | 4.27▲ 0% |
| EPS Growth % | - | 76.28% | 41.57% | 39.63% | 19.3% | 85.84% | 235.37% | 305.71% |
| EPS (Basic) | -171.52 | -40.68 | -23.77 | -14.35 | -11.58 | -1.64 | 2.28 | - |
| Diluted Shares Outstanding | 484.49K | 3.48M | 15.48M | 22.75M | 23.58M | 24.7M | 26.01M | 26.35M |
HIPO Balance Sheet
Hippo Holdings Inc. (HIPO) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|
| Total Assets | 170.5M | 979.4M | 1.64B | 1.57B | 1.52B | 1.54B | 1.91B | 2.06B |
| Asset Growth % | - | 474.43% | 67.73% | -4.49% | -2.82% | 1.23% | 23.46% | 91.52% |
| Total Investment Assets | 0 | 56M | 73.1M | 445.9M | 348.8M | 0 | 445.9M | 4M |
| Long-Term Investments | 0 | 56M | 64M | 0 | 0 | 0 | 445.9M | 922.4M |
| Short-Term Investments | 0 | 0 | 9.1M | 445.9M | 348.8M | 0 | 0 | 244.4M |
| Total Current Assets | 23.3M | 0 | 1.15B | 1.47B | 1.4B | 364.6M | 468.4M | 1.76B |
| Cash & Equivalents | 23.3M | 452.3M | 775.6M | 194.5M | 142.1M | 197.6M | 250.1M | 275.4M |
| Receivables | 0 | 192.5M | 365M | 448.3M | 505.9M | 167M | 98.7M | 2.23B |
| Other Current Assets | 0 | -774.2M | 0 | 50M | 53M | 0 | 119.6M | 29.4M |
| Goodwill & Intangibles | 25.3M | 96.4M | 111.6M | 65.7M | 75.7M | 65.1M | 13.8M | 267.6M |
| Goodwill | 1.9M | 47.8M | 53.5M | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 23.4M | 48.6M | 58.1M | 65.7M | 75.7M | 65.1M | 13.8M | 83.9M |
| PP&E (Net) | 900K | 0 | 1.1M | 33M | 45.5M | 37.7M | 0 | 32.7M |
| Other Assets | 121M | -152.4M | -175.6M | 4.2M | 6.8M | -85.8M | -445.9M | 9.4M |
| Total Liabilities | 18.2M | 1.18B | 781M | 975.4M | 1.14B | 1.18B | 1.47B | 1.61B |
| Total Debt | 0 | 273M | 0 | 28.9M | 14.8M | 10M | 52.4M | 51.5M |
| Net Debt | -23.3M | -179.3M | -775.6M | -165.6M | -127.3M | -187.6M | -197.7M | -223.9M |
| Long-Term Debt | 0 | 273M | 0 | 0 | 0 | 0 | 47.9M | 47.9M |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Current Liabilities | 18.2M | 0 | 182.6M | 911.7M | 1.07B | 267.9M | 1.35B | 1.5B |
| Accounts Payable | 0 | 96M | 182.6M | 234.8M | 286.4M | 267.9M | 319.3M | 369.1M |
| Deferred Revenue | 0 | 0 | 0 | 341.3M | 419.2M | 0 | 226M | 615.3M |
| Other Current Liabilities | 0 | -103.5M | -182.6M | 323.2M | 348.3M | 0 | 796.8M | 506.5M |
| Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 0 | -279.1M | 0 | 13.6M | 43.1M | 892.3M | 55M | 50.7M |
| Total Equity | 118.7M▲ 0% | -199.5M▼ 268.1% | 861.7M▲ 531.9% | 593.5M▼ 31.1% | 384.7M▼ 35.2% | 365.2M▼ 5.1% | 436.1M▲ 19.4% | 448.7M▲ 0% |
| Equity Growth % | - | -268.07% | 531.93% | -31.12% | -35.18% | -5.07% | 19.41% | 87.16% |
| Shareholders Equity | 118.7M | -199.6M | 859.6M | 589.9M | 377.9M | 362.1M | 436.1M | 448.7M |
| Minority Interest | 0 | 100K | 2.1M | 3.6M | 6.8M | 3.1M | 0 | 0 |
| Retained Earnings | -115.1M | -256.6M | -628M | -961.1M | -1.23B | -1.27B | -1.22B | -1.21B |
| Common Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accumulated OCI | 100K | 100K | -700K | -7M | -2.9M | -2.7M | 1.8M | -600K |
| Return on Equity (ROE) | -70.01% | - | -112.17% | -45.82% | -55.84% | -10.8% | 14.4% | 27.43% |
| Return on Assets (ROA) | -48.74% | -24.61% | -28.33% | -20.76% | -17.66% | -2.64% | 3.35% | 5.96% |
| Equity / Assets | 69.62% | -20.37% | 52.46% | 37.83% | 25.23% | 23.66% | 22.89% | 21.76% |
| Debt / Equity | - | - | - | 0.05x | 0.04x | 0.03x | 0.12x | 0.12x |
| Book Value per Share | 245.00 | -57.39 | 55.68 | 26.09 | 16.32 | 14.79 | 16.77 | 17.03 |
| Tangible BV per Share | 192.78 | -85.13 | 48.47 | 23.20 | 13.10 | 12.15 | 16.24 | 13.84 |
HIPO Cash Flow Statement
Hippo Holdings Inc. (HIPO) cash flow — operating, investing & free cash flow history
| Line item | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|
| Cash from Operations | -29.1M | -65.4M | -124.5M | -161.5M | -92.4M | 47.5M | 9.2M | 9.2M |
| Operating CF Growth % | - | -124.74% | -90.37% | -29.72% | 42.79% | 151.41% | -80.63% | 543.01% |
| Operating CF / Revenue % | -83.86% | -126.74% | -136.51% | -134.92% | -44.06% | 12.77% | 1.96% | 1.92% |
| Net Income | -83.1M | -141.4M | -367.9M | -326.5M | -273.1M | -28.6M | 57.7M | 112.5M |
| Depreciation & Amortization | 2.9M | 6.7M | 11M | 15.2M | 19.8M | 23.2M | 20.4M | 0 |
| Stock-Based Compensation | 21.9M | 17.2M | 24.3M | 61.9M | 57.5M | 38.2M | 29.3M | 0 |
| Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | 2.8M | 27.1M | 164.4M | 50.6M | 10.1M | -55.6M | -94M | 47.3M |
| Working Capital Changes | 26.4M | 25M | 43.7M | 37.3M | 93.3M | 70.3M | -4.2M | 0 |
| Cash from Investing | -72.3M | -2.3M | -30M | -405.9M | 57.6M | 30.3M | -11.2M | 42.3M |
| Capital Expenditures | -900K | -400K | -800K | -19.7M | -29.6M | -300K | -100K | -3.6M |
| Acquisitions | -600K | -83.7M | -600K | 0 | 0 | 0 | 0 | 0 |
| Purchase of Investments | 0 | -16.7M | -26.2M | -793M | -409.6M | -367.8M | -287.6M | -397.7M |
| Sale/Maturity of Investments | 0 | 107.5M | 16.5M | 408.8M | 517.1M | 336.9M | 307.8M | 398.2M |
| Other Investing | -70.8M | -9M | -18.9M | -2M | -20.3M | 61.5M | -31.3M | 45.4M |
| Cash from Financing | 101.4M | 518.1M | 480.8M | -6.8M | -14.6M | -40.1M | 19.3M | 29M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | 0 | -1.8M | -15.6M | -14.5M | -14.5M |
| Stock Issued | 0 | 0 | 0 | 4.1M | 2.8M | 6.7M | 3.8M | 3.8M |
| Debt Issuance (Net) | 0 | 1000K | 0 | 0 | 0 | 0 | 1000K | 1000K |
| Other Financing | 101.4M | -1.5M | 480.8M | -10.9M | -15.6M | -31.2M | -17.9M | -8.2M |
| Net Change in Cash | 42M▲ 0% | 450.4M▲ 972.4% | 326.3M▼ 27.6% | -574.2M▼ 276.0% | -49.4M▲ 91.4% | 37.7M▲ 176.3% | 17.3M▼ 54.1% | 124.6M▲ 0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 0 | 42M | 492.4M | 818.7M | 244.5M | 195.1M | 232.8M | 250.1M |
| Cash at End | 42M | 492.4M | 818.7M | 244.5M | 195.1M | 232.8M | 250.1M | 304.8M |
| Free Cash Flow | -30M▲ 0% | -74.8M▼ 149.3% | -141.9M▼ 89.7% | -181.2M▼ 27.7% | -139.1M▲ 23.2% | 47.2M▲ 133.9% | 9.1M▼ 80.7% | 50.1M▲ 0% |
| FCF Growth % | - | -149.33% | -89.71% | -27.7% | 23.23% | 133.93% | -80.72% | 1321.95% |
| FCF Margin % | -86.46% | -144.96% | -155.59% | -151.38% | -66.33% | 12.68% | 1.94% | 10.44% |
| FCF per Share | -61.92 | -21.52 | -9.17 | -7.97 | -5.9 | 1.91 | 0.35 | 0.35 |
HIPO Key Ratios
Hippo Holdings Inc. (HIPO) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|
| Combined Ratio | 377.52% | 502.63% | 371.68% | 225.18% | 107.36% | 86.49% | 75.8% |
| Medical Cost Ratio | 67.83% | 116.12% | 149.62% | 139.77% | 80.03% | 49.06% | 59.52% |
| Return on Equity (ROE) | - | -112.17% | -45.82% | -55.84% | -10.8% | 14.4% | 27.43% |
| Return on Assets (ROA) | -24.61% | -28.33% | -20.76% | -17.66% | -2.64% | 3.35% | 5.96% |
| Equity / Assets | -20.37% | 52.46% | 37.83% | 25.23% | 23.66% | 22.89% | 21.76% |
| Book Value / Share | -57.39 | 55.68 | 26.09 | 16.32 | 14.79 | 16.77 | 17.03 |
| Debt / Equity | - | - | 0.05x | 0.04x | 0.03x | 0.12x | 0.12x |
| Revenue Growth | 48.7% | 76.74% | 31.25% | 75.19% | 77.44% | 25.93% | 20.77% |
HIPO SEC Filings & Documents
Hippo Holdings Inc. (HIPO) SEC filings — annual & quarterly reports (10-K, 10-Q)
HIPO Frequently Asked Questions
Hippo Holdings Inc. (HIPO) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Hippo Holdings Inc. (HIPO) grew revenue by 25.9% over the past year. This is strong growth.
Yes, Hippo Holdings Inc. (HIPO) is profitable, generating $112.5M in net income for fiscal year 2025 (12.3% net margin).
Dividend & Returns
Hippo Holdings Inc. (HIPO) has a return on equity (ROE) of 14.4%. This is reasonable for most industries.
Industry Metrics
Hippo Holdings Inc. (HIPO) has a combined ratio of 86.5%. A ratio below 100% indicates underwriting profitability.
Explore More HIPO
Hippo Holdings Inc. (HIPO) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
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Dividend History
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Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
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