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HIPO vs ORRF

HIPO
Hippo Holdings Inc.
NEUTRAL
Price
$28.73
Market Cap
$747.9M
Sector
Financial Services
AI Confidence
80%
ORRF
Orrstown Financial Services, Inc.
BULLISH
Price
$38.69
Market Cap
$759.1M
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
HIPO
12.94
ORRF
9.26
Forward P/E
HIPO
11.18
ORRF
8.94
P/B Ratio
HIPO
1.69
ORRF
1.28
P/S Ratio
HIPO
1.6
ORRF
3.01
EV/EBITDA
HIPO
-19.1
ORRF
--

Profitability

Gross Margin
HIPO
50.94%
ORRF
0.0%
Operating Margin
HIPO
5.9%
ORRF
47.07%
Profit Margin
HIPO
12.31%
ORRF
32.07%
ROE
HIPO
15.62%
ORRF
14.59%
ROA
HIPO
-0.93%
ORRF
1.47%

Growth

Revenue Growth
HIPO
18.2%
ORRF
8.0%
Earnings Growth
HIPO
-86.3%
ORRF
55.9%

Financial Health

Debt/Equity
HIPO
0.12
ORRF
--
Current Ratio
HIPO
1.07
ORRF
--
Quick Ratio
HIPO
0.53
ORRF
--

Dividends

Dividend Yield
HIPO
--
ORRF
2.84%
Payout Ratio
HIPO
0.0%
ORRF
25.36%

AI Verdict

HIPO NEUTRAL

HIPO presents a complex profile characterized by a recent transition to profitability but weak underlying financial health, as evidenced by a Piotroski F-Score of 3/9. While the current price of $28.73 aligns closely with the Graham Number ($29.11), it trades at a significant premium to its growth-based intrinsic value of $15.54. The company shows strong revenue growth and a low P/E relative to the sector, but these are offset by aggressive insider selling and a poor quick ratio. The overall outlook is a cautious neutral, balancing a successful earnings turnaround against deteriorating deterministic health markers.

Strengths
Recent shift to positive quarterly earnings after years of losses
Strong revenue growth (18.20% YoY)
Low Debt/Equity ratio (0.12) indicating minimal leverage
Risks
Weak Piotroski F-Score (3/9) indicating poor financial health trends
Low liquidity as shown by a Quick Ratio of 0.53
Significant negative Earnings Growth YoY (-86.30%)
ORRF BULLISH

ORRF presents a compelling value opportunity, trading significantly below its Graham Number ($53.4) and Intrinsic Value ($123.31). While the Piotroski F-Score of 3/9 indicates weak short-term financial health trends, this is offset by an exceptional earnings track record with consistent beats over 25 quarters and a strong ROE of 14.59%. The stock is fundamentally undervalued with a P/E of 9.26, though bearish insider activity and technical trends suggest a period of consolidation before a potential breakout.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Exceptional earnings growth (55.9% YoY) and consistent EPS beats
Strong profitability metrics with 14.59% ROE and 1.47% ROA
Risks
Weak Piotroski F-Score (3/9) suggesting deteriorating fundamental health
Bearish insider sentiment with recent sales by the CEO and other officers
Strongly bearish technical trend (10/100)

Compare Another Pair

HIPO vs ORRF: Head-to-Head Comparison

This page compares Hippo Holdings Inc. (HIPO) and Orrstown Financial Services, Inc. (ORRF) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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