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

$35.03-0.67(-0.02%)Pre-market

Market Cap

$928.28M

P/E

29.0x

P/S

1.7x

P/B

2.0x

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

GoodMetricSide Score: 62/100

Strongest: Balance Sheet & Red Flags (21/25); weakest: Profitability (8/25).

Profitability8/25

Growth14/25

Balance Sheet & Red Flags21/25

Cash & Earnings Quality19/25

Strengths

Growing revenueLow leverageImproving leverageConsistent growth

Valuation vs. 5-year range

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

P/E · 29.0x5y range 5.8x – 29.0x

Currently above its 5-quarter median.

P/S · 1.7x5y range 1.4x – 4.3x

Currently near its 20-quarter median.

P/B · 2.0x5y range 0.3x – 2.1x

Watch items

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

High Risk

Margin Pressure

Red Flag

Operating margins dropped 72.3% over recent quarters — a sharp decline suggesting serious cost or pricing challenges.

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.

Price & Volume

Market Cap $928.28M

Metrics at a Glance

as of September 2026

Revenue & Profit

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

TTM Revenue: $542.60M
Q. Revenue: $156.00M
TTM EBITDA: $43.40M
TTM Op. Income: $33.90M
Q. Op. Income: $8.90M
TTM Net Income: $32.00M
Q. Net Income: $8.80M
EPS: $0.33
Shares Out.: $26.50M

$542.60M in TTM revenue grew 20.6% YoY, reaching $156.00M last quarter. TTM EBITDA of $43.40M and TTM operating income of $33.90M show growth is flowing through to the bottom line. TTM net income of $32.00M 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: 5.7%
Op. Margin: 5.7%
Net Margin: 5.6%

Op. margin of 5.7% is down 75.6% YoY — costs are rising relative to revenue. Net margin at 5.6% Over the past year, operating margin is down 93% — a weakening trend.

Price Ratios

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

P/E Ratio: 29.0x
P/S Ratio: 1.7x
P/B Ratio: 2.0x

At 29.0x P/E, the stock trades within typical market levels. P/S of 1.7x and P/B of 2.0x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is up 212% — a weakening trend.

Assets & Liabilities

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

Total Assets: $2.75B
Cash: $311.80M
Long-Term Debt: $47.90M
Book Value: $469.00M
D/E Ratio: 0.1
Debt/EBITDA: 5.4

With $2.75B in assets and $47.90M in long-term debt, D/E is 0.1and book value is $469.00M — a conservative capital structure with a cushion to weather downturns. Across the last 6 quarters, debt/equity has fallen for 5 consecutive quarters — an improving trend.

Cash Flow

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

Op. Cash Flow: $72.60M
TTM Free Cash Flow: $126.80M
FCF Margin: 23.4%
FCF / Net Income: 4.0

TTM FCF of $126.80M on $72.60M in operating cash flow. The FCF / Net Income ratio of 4.0x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 4 consecutive quarters — an improving trend.