Hippo Holdings Inc. (HIPO) Financial Ratios
7 years of historical data (2019–2025) · Financial Services · Insurance - Specialty
EV/EBITDA
7.55
↓-18% vs avg
5yr avg: 9.24
30Y Low9.2·High9.2
P/FCF
↑
74.26
↑+49% vs avg
5yr avg: 49.99
30Y Low14.0·High86.0
P/B Ratio
↑
1.55
↑+30% vs avg
5yr avg: 1.19
30Y Low0.5·High1.8
ROE
↑
14.4%
↓+134% vs avg
5yr avg: -42.0%
30Y Low-112%·High14%
Debt/EBITDA
0.83
+0% vs avg
5yr avg: 0.83
30Y Low0.8·High0.8
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
HIPO Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Hippo Holdings Inc. trades at 11.7x earnings, 14% below its 5-year average of 13.5x, sitting at the 0th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a discount of 14%. On a free-cash-flow basis, the stock trades at 74.3x P/FCF, 49% above the 5-year average of 50.0x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Market Cap | $676M | $782M | $661M | $215M | $309M | $1.1B | — | — |
| Enterprise Value | $478M | $585M | $474M | $88M | $144M | $319M | — | — |
| P/E Ratio → | 11.69 | 13.55 | — | — | — | — | — | — |
| P/S Ratio | 1.44 | 1.67 | 1.78 | 1.03 | 2.58 | 12.01 | — | — |
| P/B Ratio | 1.55 | 1.79 | 1.81 | 0.56 | 0.52 | 1.27 | — | — |
| P/FCF | 74.26 | 85.98 | 14.01 | — | — | — | — | — |
| P/OCF | 73.45 | 85.05 | 13.92 | — | — | — | — | — |
P/E links to full P/E history page with 30-year chart
HIPO EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Hippo Holdings Inc.'s enterprise value stands at 7.6x EBITDA, 18% below its 5-year average of 9.2x. The Financial Services sector median is 11.4x, placing the stock at a 34% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.25 | 1.27 | 0.42 | 1.20 | 3.50 | — | — |
| EV / EBITDA | 7.55 | 9.24 | — | — | — | — | — | — |
| EV / EBIT | 7.55 | 9.24 | — | — | — | — | — | — |
| EV / FCF | — | 64.26 | 10.03 | — | — | — | — | — |
HIPO Profitability
Margins and return-on-capital ratios measuring operating efficiency
Hippo Holdings Inc. earns an operating margin of 13.5%, below the Financial Services sector average of 20.3%. Operating margins have expanded from -125.2% to 13.5% over the past 3 years, signaling improving operational efficiency. ROE of 14.4% is modest. ROIC of 22.8% represents excellent returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 50.9% | 50.9% | 20.0% | -39.8% | -49.6% | -16.1% | 32.2% | 100.0% |
| Operating Margin | 13.5% | 13.5% | -7.4% | -125.2% | -271.7% | -402.6% | -277.5% | -206.9% |
| Net Profit Margin | 12.3% | 12.3% | -10.9% | -130.2% | -278.5% | -407.2% | -274.2% | -239.5% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| ROE | 14.4% | 14.4% | -10.8% | -55.8% | -45.8% | -112.2% | — | -70.0% |
| ROA | 3.3% | 3.3% | -2.6% | -17.7% | -20.8% | -28.3% | -24.6% | -48.7% |
| ROIC | 22.8% | 22.8% | -9.4% | -57.5% | -94.9% | -319.9% | — | -56.4% |
| ROCE | 6.9% | 6.9% | -3.2% | -47.2% | -30.7% | -32.5% | -24.9% | -47.1% |
HIPO Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Hippo Holdings Inc. carries a Debt/EBITDA ratio of 0.8x, which is very conservative (81% below the sector average of 4.3x). The company holds a net cash position — cash of $250M exceeds total debt of $52M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.12 | 0.12 | 0.03 | 0.04 | 0.05 | — | — | — |
| Debt / EBITDA | 0.83 | 0.83 | — | — | — | — | — | — |
| Net Debt / Equity | — | -0.45 | -0.51 | -0.33 | -0.28 | -0.90 | — | -0.20 |
| Net Debt / EBITDA | -3.12 | -3.12 | — | — | — | — | — | — |
| Debt / FCF | — | -21.73 | -3.97 | — | — | — | — | — |
| Interest Coverage | — | — | — | — | — | -0.85 | -4.51 | — |
Net cash position: cash ($250M) exceeds total debt ($52M)
HIPO Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.35x is below 1.0, meaning current liabilities exceed current assets. The current ratio has declined from 1.31x to 0.35x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.35 | 0.35 | 1.36 | 1.31 | 1.61 | 6.30 | — | 1.28 |
| Quick Ratio | 0.35 | 0.35 | 1.36 | 1.31 | 1.61 | 6.30 | — | 1.28 |
| Cash Ratio | 0.19 | 0.19 | 0.74 | 0.46 | 0.70 | 4.30 | — | 1.28 |
| Asset Turnover | — | 0.25 | 0.24 | 0.14 | 0.08 | 0.06 | 0.05 | 0.20 |
| Inventory Turnover | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — |
HIPO Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Hippo Holdings Inc. returns 2.1% to shareholders annually primarily through share buybacks. The earnings yield of 8.6% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 8.6% | 7.4% | — | — | — | — | — | — |
| FCF Yield | 1.3% | 1.2% | 7.1% | — | — | — | — | — |
| Buyback Yield | 2.1% | 1.9% | 2.4% | 0.8% | 0.0% | 0.0% | — | — |
| Total Shareholder Yield | 2.1% | 1.9% | 2.4% | 0.8% | 0.0% | 0.0% | — | — |
| Shares Outstanding | — | $26M | $25M | $24M | $23M | $15M | $3M | $484488 |
Peer Comparison
Compare HIPO with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 HIPOYou | $676M | 11.7 | 7.6 | 74.3 | 50.9% | 13.5% | 14.4% | 22.8% | 0.8 |
 LMND | $5B | -25.6 | — | — | 40.3% | -21.8% | -29.4% | -36.8% | — |
 ROOT | $729M | 23.2 | 4.6 | 3.8 | 25.5% | 2.7% | 11.3% | — | 3.8 |
 KINS | $235M | 5.6 | 4.2 | 3.2 | 57.7% | 25.6% | 43.0% | 46.6% | 0.1 |
 HGTY | $4B | 29.4 | 20.7 | 19.2 | 80.4% | 9.6% | 7.7% | 17.9% | 1.3 |
 SLNG | $86M | -63.6 | 18.1 | 186.4 | 15.6% | -3.7% | -2.0% | -2.8% | 1.8 |
 ALL | $57B | 5.8 | 4.7 | 5.8 | 33.2% | 19.8% | 39.6% | 29.8% | 0.5 |
 TRV | $67B | 11.2 | 8.8 | — | 44.3% | 16.0% | 20.7% | 15.3% | 1.1 |
 CB | $126B | 12.6 | 10.9 | 8.7 | 29.4% | 21.8% | 13.9% | 10.8% | 1.7 |
 HIG | $35B | 9.6 | 7.7 | 6.1 | 46.1% | 16.8% | 21.7% | 16.3% | 0.8 |
 UPC | $2M | -0.0 | — | — | 35.3% | -16.3% | -7.2% | -7.8% | — |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 7 years · Updated daily
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HIPO — Frequently Asked Questions
Quick answers to the most common questions about buying HIPO stock.
What is Hippo Holdings Inc.'s P/E ratio?
Hippo Holdings Inc.'s current P/E ratio is 11.7x. The historical average is 13.5x.
What is Hippo Holdings Inc.'s EV/EBITDA?
Hippo Holdings Inc.'s current EV/EBITDA is 7.6x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 9.2x.
What is Hippo Holdings Inc.'s ROE?
Hippo Holdings Inc.'s return on equity (ROE) is 14.4%. The historical average is -46.7%.
Is HIPO stock overvalued?
Based on historical data, Hippo Holdings Inc. is trading at a P/E of 11.7x. Compare with industry peers and growth rates for a complete picture.
What are Hippo Holdings Inc.'s profit margins?
Hippo Holdings Inc. has 50.9% gross margin and 13.5% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does Hippo Holdings Inc. have?
Hippo Holdings Inc.'s Debt/EBITDA ratio is 0.8x, indicating low leverage. A ratio below 2x is generally considered financially healthy.