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HIPO

NEUTRAL
$28.73 Live
Hippo Holdings Inc. · NYSE
Target $37.75 (+31.4%)
$19.92 52W Range $38.98
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 28, 2026
Market cap
$747.88M
P/E
12.94
ROE
15.6%
Profit margin
12.3%
Debt/Equity
0.12
Dividend yield
N/A

AI Analysis

AI-powered fundamental assessment

Confidence
80%
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.

Key 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
P/E ratio (12.94) is significantly lower than the sector average (37.10)
Positive ROE of 15.62%

Key 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%)
Bearish insider sentiment with consistent selling by the CEO and officers
High volatility in earnings surprises and historical instability
AI Fair Value Estimate
Based on comprehensive analysis
$22.33
-22.3% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
34
Weak
Value
60
Future
50
Past
30
Health
30
Dividend
0
AI Verdict
Speculative Turnaround
Key drivers: Recent profitability, Low valuation multiples, Weak deterministic health scores, Insider divestment
Confidence
85%
Value
60/100

Ref P/E 12.94, Graham Number $29.11

Positives
  • P/E is low compared to peers
  • Price is near Graham Number
Watchpoints
  • Trades well above growth-based intrinsic value ($15.54)
Future
50/100

Ref Revenue Growth 18.20%, Earnings Growth -86.30%

Positives
  • Consistent revenue growth ~18%
  • Positive analyst target price ($37.75)
Watchpoints
  • Extreme earnings volatility
  • Negative YoY earnings growth
Past
30/100

Ref Historical Earnings Track Record

Positives
  • Successful pivot to profitability in 2025/2026
Watchpoints
  • Long history of deep quarterly losses (2021-2024)
  • 5-year price change of -88.5%
Health
30/100

Ref Piotroski F-Score, Quick Ratio

Positives
  • Very low debt levels
Watchpoints
  • Piotroski F-Score 3/9 (Weak)
  • Quick Ratio 0.53 indicates liquidity risk
  • Negative ROA
Dividend
0/100

Ref Dividend Yield N/A

Positives
No standout positives identified.
Watchpoints
  • No dividend payments

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$28.73
Analyst Target
$37.75
Upside/Downside
+31.4%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for HIPO and closest competitors.

Updated 2026-04-27
HIP
Hippo Holdings Inc.
Primary
5Y
-88.5%
3Y
+57.5%
1Y
+18.4%
6M
-22.9%
1M
+13.5%
1W
+0.1%
SMB
Southern Missouri Bancorp, Inc.
Peer
5Y
+86.2%
3Y
+102.0%
1Y
+39.5%
6M
+41.5%
1M
+10.2%
1W
+1.1%
GSB
Great Southern Bancorp, Inc.
Peer
5Y
+38.0%
3Y
+46.4%
1Y
+37.8%
6M
+16.2%
1M
+12.0%
1W
+5.8%
ORR
Orrstown Financial Services, Inc.
Peer
5Y
+97.5%
3Y
+126.2%
1Y
+49.2%
6M
+18.0%
1M
+11.3%
1W
+0.7%
BTO
John Hancock Financial Opportunities Fund
Peer
5Y
+64.7%
3Y
+35.4%
1Y
+7.9%
6M
+6.5%
1M
+3.0%
1W
+2.1%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
12.94
Forward P/E
11.18
PEG Ratio
N/A
P/B Ratio
1.69
P/S Ratio
1.6
EV/Revenue
0.91
EV/EBITDA
-19.1
Market Cap
$747.88M

Profitability

Profit margins and return metrics

Profit Margin 12.31%
Operating Margin 5.9%
Gross Margin 50.94%
ROE 15.62%
ROA -0.93%

Growth

Revenue and earnings growth rates

Revenue Growth +18.2%
Earnings Growth -86.3%
Q/Q Revenue Growth +18.16%
Q/Q Earnings Growth -86.4%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
0.12
Low debt
Current Ratio
1.07
Good
Quick Ratio
0.53
Poor
Cash/Share
$14.28

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.1B
Net Margin
5.0%
Total Assets
$1.9B
Liabilities
$1.5B
Equity
$0.4B
Debt/Equity
3.37x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$-0.0B
FCF Yield
-9%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-30
$N/A
2026-02-25
$0.67
+36.7% surprise
2025-11-05
$0.7
+1650.0% surprise
2025-08-06
$0.65
+263.3% surprise

Financial Services Sector Comparison

Comparing HIPO against 820 companies in the Financial Services sector (141 bullish, 351 neutral, 328 bearish)
P/E Ratio
12.94
This Stock
vs
36.01
Sector Avg
-64.1% (Discount)
Return on Equity (ROE)
15.62%
This Stock
vs
-0.73%
Sector Avg
-2232.4% (Below Avg)
Profit Margin
12.31%
This Stock
vs
91.62%
Sector Avg
-86.6% (Weaker)
Debt to Equity
0.12
This Stock
vs
1.36
Sector Avg
-91.2% (Less Debt)
Revenue Growth
18.2%
This Stock
vs
35.27%
Sector Avg
-48.4% (Slower)
Current Ratio
1.07
This Stock
vs
3.18
Sector Avg
-66.5% (Weaker)

Similar Companies

Peer comparison within the same industry

HIPO Hippo Holdings Inc.
NEUTRAL
Mkt Cap
$748M
P/E
12.9
ROE
15.6%
Price
$28.73
SMBC Southern...
BULLISH
Mkt Cap
$750M
P/E
11.7
ROE
12.1%
Price
$67.5
 Compare with HIPO
GSBC Great Southern...
NEUTRAL
Mkt Cap
$758M
P/E
10.9
ROE
11.5%
Price
$67.77
 Compare with HIPO
ORRF Orrstown...
BULLISH
Mkt Cap
$759M
P/E
9.3
ROE
14.6%
Price
$38.69
 Compare with HIPO
BTO John Hancock...
NEUTRAL
Mkt Cap
$731M
P/E
4.7
ROE
25.5%
Price
$36.94
 Compare with HIPO

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

MCCATHRON RICHARD LYN
Chief Executive Officer
Sell
2026-04-09
5,000 shares · $130,250
MCCATHRON RICHARD LYN
Chief Executive Officer
Sell
2026-03-09
5,000 shares · $129,300
MCCATHRON RICHARD LYN
Chief Executive Officer
Stock Award
2026-03-03
189,532 shares
OSTERGAARD TORBEN
Officer
Stock Award
2026-03-02
24,684 shares
STIENSTRA MICHAEL
Officer
Stock Award
2026-03-02
24,684 shares
ZELTSER GUY
Chief Financial Officer
Stock Award
2026-03-02
61,707 shares
OSTERGAARD TORBEN
Officer
Sell
2026-02-25
600 shares · $18,266
OSTERGAARD TORBEN
Officer
Sell
2026-02-17
6,105 shares · $174,391
MCCATHRON RICHARD LYN
Chief Executive Officer
Sell
2026-02-09
5,000 shares · $145,700
MCCATHRON RICHARD LYN
Chief Executive Officer
Sell
2026-01-09
5,000 shares · $157,600
STIENSTRA MICHAEL
Officer
Sell
2025-12-22
3,900 shares · $121,366
NICHOLS JOHN DRAKE JR.
Director
Gift
2025-12-18
4,935 shares
MCCATHRON RICHARD LYN
Chief Executive Officer
Sell
2025-12-09
5,000 shares · $149,100
OSTERGAARD TORBEN
Officer
Sell
2025-11-21
3,645 shares · $116,592
ZELTSER GUY
Chief Financial Officer
Sell
2025-11-18
1,819 shares · $58,494
Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

DEF 14A
DEF 14A
2026-04-22

HIPO filed a definitive proxy statement (DEF 14A) on April 22, 2026, providing shareholders with necessary information to vote on corporate matters at its upcoming meeting.

10-K
10-K
2026-03-05

HIPO filed its 10-K annual report on March 5, 2026, which includes sections on business operations, risk factors, and management's discussion and analysis. Specific financial highlights and risk details were not provided in the available excerpts.

8-K
8-K
2026-02-25

HIPO likely filed this 8-K to announce its annual financial results for the fiscal year.

10-Q
10-Q
2025-11-05

Hippo Holdings Inc.'s 10-Q filing dated November 5, 2025, emphasizes management's focus on future results of operations and the company's ability to attain profitability. Primary risks include uncertainties regarding the company's financial condition and the successful execution of its business strategy.

8-K
8-K
2025-11-05
8-K
8-K
2025-09-16
10-Q
10-Q
2025-08-06

Hippo Holdings Inc. (HIPO) filed its quarterly report on August 6, 2025, focusing on its business strategy and financial position. Key risks identified include uncertainties regarding the company's future results of operations and its ability to attain profitability.

8-K
8-K
2025-08-06

HIPO filed an 8-K on August 6, 2025, likely to report its second-quarter financial results.

8-K
8-K
2025-06-16
8-K
8-K
2025-06-12
8-K
8-K
2025-06-04
10-Q
10-Q
2025-05-07
8-K
8-K
2025-05-07
8-K
8-K
2025-04-28
8-K
8-K
2025-04-22
Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
BUY
4 analysts
Keefe, Bruyette & Woods
2026-04-07
Maintains
Market Perform Market Perform
Keefe, Bruyette & Woods
2026-03-06
Maintains
Market Perform Market Perform
Keefe, Bruyette & Woods
2025-12-10
Maintains
Market Perform Market Perform

Past News Coverage

Recent headlines mentioning HIPO from our newsroom.

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