Hippo Holdings Inc. Common Stock (HIPO)

FairStock Score: 49/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at Hippo as a turnaround in property and casualty insurance. It writes policies through owned and partner MGAs, so it combines underwriting with a fee-like distribution platform. The filed record shows real progress: revenue moved from $372.1M in FY2024 to $468.6M in FY2025, and net income swung from a loss of $40.5M in FY2024 to $57.7M in FY2025. In the latest filed quarter, fiscal Q2 2026 ended 2026-06-30, revenue was $144.7M and net income $10.1M, or $0.38 diluted per share. The prior quarter, ended 2026-03-31, had $121.5M revenue and $7.1M net income. But FY2025's profit included a spike: fiscal Q3 2025, ended 2025-09-30, produced $98.1M of net income, so the run-rate is less consistent. At $34.35 close on 2026-10-13, FairStock shows a P/E of 7.29, P/B of 1.95, ROE of 30.34%, and PEG of 0.01. Those look cheap if earnings are durable, but the 49/100 FairStock Score and 6/9 Piotroski tell me not to take the headline numbers at face value. Debt/equity of 0.11 is low, which helps. The key unknown is underwriting: combined ratio, reserve development, and catastrophe losses are not in the data; CET1 and NIM are bank measures and do not apply. Insurance is a commodity where a moat comes from disciplined underwriting and low-cost distribution, and Hippo has not proven that over a full cycle. I would call it a speculative turnaround, not a stable compounder.

In plain English: Hippo sells property and casualty insurance in the U.S. through its own and partner agents. It has recently turned profitable after earlier losses, but the profit record is uneven and the business still carries insurance risk. At the current price, the shares look cheap against recent earnings, though that cheapness depends on whether the profit can last.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer