Stocks · Financial Services · Insurance - Property & Casualty
Hippo Holdings Inc. HIPO
$32.20 -0.12% Close, Oct 5, 2026 · NYSE · Market cap $850.8M
Strong growthInexpensive vs sector
Next earnings report: Nov 4, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Operating margin widened to 24.3% from 0.1% a year earlier.
- Earnings beat analyst estimates in each of the last 5 quarters (average surprise over the last four: +100.0%).
- The stock is in an uptrend: above its 200-day average for 49 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 6, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 23%
- FCF growth (TTM, YoY)Top 13%
- Revenue growth, 3-year CAGRTop 4%
- Revenue growth accelerationBottom 40%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 5%
- Gross marginBottom 20%
- Operating marginTop 43%
- Cash conversion (OCF / net income)Bottom 27%
- Accruals (lower is better)Bottom 19%
- Net debt / EBITDA (lower is better)Top 13%
- Interest coverTop 1%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 6%
- Free-cash-flow yieldTop 49%
- EBITDA / enterprise valueTop 8%
- Sales / enterprise valueTop 15%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 21%
- 6-month returnTop 13%
- 1-year return vs S&P 500Bottom 22%
- Distance from 52-week highBottom 30%
- Trend checklist (0–4)Top 10%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 2%
- Consecutive EPS beatsTop 24%
- Share of analysts rating BuyTop 24%
- Upside to consensus price targetBottom 4%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 21%
- Maximum drawdown, 3 yearsBottom 26%
- Beta vs S&P 500 (lower is better)Bottom 7%
- Net debt / EBITDA (lower is better)Top 13%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 20.8% | 19.3% | ↓ |
| Gross margin | 7.8% | 47.1% | ↑ |
| Operating margin | 0.1% | 24.3% | ↑ |
| FCF margin | 6.8% | 13.4% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 19.3% | 20.8% | ↓ | Top 23% |
| Gross margin | 47.1% | 7.8% | ↑ | Bottom 20% |
| Operating margin | 24.3% | 0.1% | ↑ | Top 43% |
| Net margin | 23.9% | -2.5% | ↑ | — |
| Free-cash-flow margin | 13.4% | 6.8% | ↑ | — |
| Return on invested capital | -10.7% | — | Bottom 5% | |
| Revenue growth, 3-year CAGR | 57.6% | — | Top 4% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.59×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 2.1%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.3%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -94.4 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -1.57×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 205.2×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- 1.28%
- Shareholder yield
- 1.28%
- Share count change, 1 year
- +2.0%
- Share count change, 3-year CAGR
- +4.3%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jul 30, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 5
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +100.0%
- Average 2-day reaction, last 8
- +4.6%
- Positive 20 days after report
- 4 of 8
Analysts
- Consensus price target
- $28.38
- Target vs current price
- -11.9%
- Analysts with a rating
- 6
- Share rating Buy or Strong Buy
- 67%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 30, 2026 | +564.7% | +6.9% | +8.4% | +10.5% | — |
| Apr 30, 2026 | +285.7% | -6.7% | -2.9% | -8.6% | +3.3% |
| Feb 25, 2026 | +14.3% | -4.9% | -4.0% | -10.5% | -9.9% |
| Nov 5, 2025 | +42.9% | +5.5% | -6.3% | -13.7% | -16.0% |
| Aug 6, 2025 | +107.9% | +14.0% | +6.0% | +17.0% | +33.7% |
| May 7, 2025 | -35.5% | +1.8% | -5.5% | +4.6% | +5.6% |
| Mar 5, 2025 | +53.3% | +1.3% | -5.4% | -15.0% | -20.1% |
| Nov 8, 2024 | +66.0% | +19.2% | +12.2% | +31.1% | +32.2% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 30, 2026 | $0.79 | -$0.17 | +564.7% | $144.7M |
| Apr 30, 2026 | $0.27 | $0.07 | +285.7% | $121.5M |
| Feb 25, 2026 | $0.24 | $0.21 | +14.3% | $120.4M |
| Nov 5, 2025 | $0.70 | $0.49 | +42.9% | $120.6M |
| Aug 6, 2025 | $0.05 | -$0.65 | +107.9% | $117.3M |
| May 7, 2025 | -$1.91 | -$1.41 | -35.5% | $110.3M |
| Mar 5, 2025 | -$0.07 | -$0.15 | +53.3% | $101.9M |
| Nov 8, 2024 | -$0.34 | -$1.00 | +66.0% | $95.5M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 6.9× | — | — | Top 6% |
| P/E (forward) | 35.1× | — | — | — |
| EV / EBITDA | 5.3× | — | — | Top 8% |
| EV / Sales | 1.30× | — | — | Top 15% |
| Free-cash-flow yield | 7.98% | — | — | Top 49% |
| Earnings yield | 14.44% | — | — | Top 6% |
P/E over the past five years
Range 6.0× – 12.7× since Sep 30, 2025. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 2
- Days above the 200-day average
- 49
- 50-day average slope (20 days)
- +3.9%
- 200-day average slope (20 days)
- +0.0%
- Distance from 50-day average
- +0.0%
- Distance from 200-day average
- +11.2%
- RSI (14)
- 54.5
- Relative volume
- 0.67×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 34.4%
- Volatility vs own 5-year history
- 6th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.49
- Correlation with S&P 500
- 0.42
- Current drawdown from 1-year high
- -14.9%
- Maximum drawdown, 3 years
- -39.6%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Feb 16, 2021 | Oct 5, 2023 | -98.1% | 664 days | Not yet recovered |
| Jan 22, 2021 | Jan 27, 2021 | -10.1% | 3 days | 12 days (Feb 12, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $850.8M
- P/E (TTM)
- 6.9
- EPS, diluted (TTM)
- $4.65
- Revenue (TTM)
- $507.2M
- 52-week range
- $24.08 – $38.73
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $91.2M | $119.7M | $209.7M | $372.1M | $468.6M |
| Gross profit | -$14.7M | -$59.4M | -$83.4M | $74.3M | $238.7M |
| Operating income | -$367.2M | -$325.2M | -$262.5M | -$27.4M | $63.3M |
| Net income | -$371.4M | -$333.4M | -$273.1M | -$40.5M | $57.7M |
| EPS (diluted) | -$23.77 | -$14.35 | -$11.58 | -$1.64 | $2.22 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $95.5M | $101.9M | $110.3M | $117.3M | $120.6M | $120.4M | $121.5M | $144.7M |
| Net income | -$8.5M | $44.2M | -$47.7M | $1.3M | $98.1M | $6.0M | $7.1M | $10.1M |
| EPS (diluted) | -$0.34 | $1.79 | -$1.91 | $0.05 | $3.77 | $0.23 | $0.27 | $0.38 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | -$124.5M | -$161.5M | -$92.4M | $47.5M | $9.2M |
| Capital expenditure | -$17.4M | -$19.7M | -$46.7M | -$300,000 | -$100,000 |
| Free cash flow | -$141.9M | -$181.2M | -$139.1M | $47.2M | $9.1M |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | $34.5M | $4.1M | $1.0M | -$8.9M | -$10.7M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $444.8M
- Total assets
- $2.32B
- Total liabilities
- $1.85B
- Total debt
- $50.7M
- Net debt
- -$193.8M
- Shareholders’ equity
- $465.6M
As of Jun 30, 2026 (filed Jul 30, 2026).
Short interest
- Shares sold short
- 871,330
- Days to cover
- 5.67
- Change vs previous report
- -3.3%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Sep 30, 2022
- 1-for-25