Hippo Holdings (HIPO) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Hippo Holdings

NYSE•Financial Services•Insurance - Property & Casualty

$33.87-0.32(-0.01%)Market closed

Market Cap

$838.50M

P/E

6.9x

P/S

1.7x

P/B

1.8x

Hippo Holdings Inc., together with its subsidiaries, provides property and casualty insurance products to individuals and business customers primarily in the United States. The company provides a multi-carrier platform through owned and partner managing general agents (MGAs), serving as a licensed insurance carrier for MGAs and providing admitted and non-admitted (excess and surplus) paper, regulatory licenses, and reinsurance across multiple lines of business. The company also offers insurance products, including homeowners, renters, commercial multi-peril, casualty, and other specialty insurance programs. It provides homeowners insurance, general liability, commercial auto liability, and excess and umbrella liability, written through delegated authority arrangements, renters insurance, liability coverage, commercial multi-peril policies for small to mid-sized businesses, and niche personal or commercial products, as well as program-specific and corporate catastrophe reinsurance solutions. The company distributes insurance products and services through its technology platforms and website, as well as operates licensed insurance agencies. The company was formerly known as Hippo Enterprises Inc. and changed its name to Hippo Holdings Inc. in August 2021. Hippo Holdings Inc. is headquartered in San Jose, California.

How this company scores

ExcellentMetricSide Score: 88/100

Strongest: Profitability (25/25); weakest: Cash & Earnings Quality (19/25).

Profitability25/25

Growth23/25

Balance Sheet & Red Flags21/25

Cash & Earnings Quality19/25

Strengths

Growing revenueRising free cash flowStrong marginsHigh ROE

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 6.9x5y range 5.9x – 13.4x

Currently near its 4-quarter median.

P/S · 1.7x5y range 1.3x – 4.2x

Currently near its 19-quarter median.

P/B · 1.8x5y range 0.4x – 2.1x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

The company posted negative operating margins in recent quarters — core operations are unprofitable.

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 4 quarters — monitor for earnings quality deterioration.

Price & Volume

Market Cap $838.50M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $507.20M
Q. Revenue: $144.70M
TTM EBITDA: $132.60M
TTM Op. Income: $123.10M
Q. Op. Income: $11.00M
TTM Net Income: $121.30M
Q. Net Income: $10.10M
EPS: $0.38
Shares Out.: $26.20M

$507.20M in TTM revenue grew 19.3% YoY, reaching $144.70M last quarter. TTM EBITDA of $132.60M and TTM operating income of $123.10M show growth is flowing through to the bottom line. TTM net income of $121.30M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 7.6%
Op. Margin: 7.6%
Net Margin: 7.0%

Op. margin of 7.6% is up 4.2% YoY — cost efficiency is improving. Net margin at 7.0% Across the last 8 quarters, operating margin has risen for 2 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 6.9x
P/S Ratio: 1.7x
P/B Ratio: 1.8x

At 6.9x P/E, the stock trades below typical market levels. P/S of 1.7x and P/B of 1.8x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is up 0% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $2.32B
Cash: $244.50M
Long-Term Debt: $47.90M
Book Value: $465.60M
D/E Ratio: 0.1
Debt/EBITDA: 4.4

With $2.32B in assets and $47.90M in long-term debt, D/E is 0.1and book value is $465.60M — a conservative capital structure with a cushion to weather downturns. Across the last 5 quarters, debt/equity has fallen for 4 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $43.10M
TTM Free Cash Flow: $71.40M
FCF Margin: 14.1%
FCF / Net Income: 0.6

TTM FCF of $71.40M on $43.10M in operating cash flow. The FCF / Net Income ratio of 0.6x means cash covers only part of net income — earnings quality needs attention. Across the last 8 quarters, free cash flow has risen for 3 consecutive quarters — an improving trend.