Hippo Holdings Inc. (HIPO)

NYSE: HIPO · Fire, Marine & Casualty Insurance · San Jose, CA · filing with the SEC since 2020

Full chart Alerts Compare

Grade3.9

◀ Past 2.8● Present 4.4▶ Future 5.1

1 est.

Overview Business Financials Grade Forecast Sentiment Ownership People Filings Patents Chart

The grade of Hippo Holdings Inc.

Nine metrics read from its own filings, by tense

Headline grade

3.9/10

◀ Past2.840% of the headline

● Present4.435% of the headline

▶ Future5.125% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

2.8/1040% of the headline grade · 2 of 3 filed, 1 estimated

Surviving crises

as filed

0.2/10

Has it survived what it has been through?

5 warning events since 2020; the latest 2024-09-10.

weight 33% of this tense · 2nd percentile among 60 sector filers · read for itself

From the record

Hippo Holdings Inc.'s filings since 2020 show 5 warning events of 3 kinds: a notice about its exchange listing (8-K item 3.01, 2 times, the latest 2024-09-10); a warning not to rely on past financial statements (8-K item 4.02, the latest 2021-05-11); an auditor change (8-K item 4.01, 2 times, the latest 2023-03-23) (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed

6.8/10

What has it actually done, year after year?

+55.5% a year over 6 filed years; profitable in 1 of 6.

weight 22% of this tense · 68th percentile among 56 sector filers · read for its customers

From the record

Hippo Holdings Inc.'s 6 filed years say what it did: revenue went from $52 million in fiscal 2020 to $469 million in fiscal 2025, up 55.5% a year; it rose in 5 of 5 years; it never fell from a peak; net income was positive in 1 of 6 of those years (its annual reports).

What it rests on

revenue growth over the filed span55.5%top 4% of its family
the share of years revenue rosetop 12% of its family
the share of filed years with a profitbottom 3% of its family
the deepest fall from a revenue peak0.0%top 12% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

SI estimate

2.8/10

How has it treated the people who own it?

SI estimate 2.8/10, confidence 35 of 100 (one part).

weight 45% of this tense · 28th percentile among 60 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: Read from one part only, the share count over the years, which ranks in the bottom 28% of 60 in its family; fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income.
What the record cannot read: Fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income.
How it was reasoned: one part: the share count over the years, the one part on file, ranked among 60 in its family.
Confidence: 35 of 100
What would change it: A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Hippo Holdings Inc.'s shareholder treatment is put at 2.8 of 10 with a confidence of 35 of 100, because read from one part only, the share count over the years, which ranks in the bottom 28% of 60 in its family; fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income. A filing that carries the missing parts replaces this estimate with the filed reading.

● Present

What are they doing right now?

4.4/1035% of the headline grade · 3 of 3 filed

Financial health

as filed

3.6/10

Is it financially healthy right now?

ROE 13%: 13¢ of profit per shareholder dollar. Leverage 77%: owes 77¢ per asset dollar.

weight 45% of this tense · 36th percentile among 60 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Hippo Holdings Inc. earned about 13 cents of profit for every dollar of shareholders' money. Leverage: it owed about 77 cents per dollar of assets, and net share issuance: its share count grew 5.3% over the year (the filed statements).

What it rests on

what it owes per dollar of assetsbottom 41% of its family
return on equitytop 49% of its family
the share count against the year beforebottom 15% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed

5.8/10

How strong is its position in its industry?

top 42% of 60 in its family; net margin 12.3%.

weight 33% of this tense · 58th percentile among 60 sector filers · read for its customers

From the record

Hippo Holdings Inc.'s standing among 60 graded names in its industry family: revenue of $469 million in fiscal 2025 ranks in the bottom 24% by size; a net margin of 12.3% ranks in the top 47%; revenue growth of 57.6% a year over the last 3 filed years ranks in the top 4% (its annual reports).

What it rests on

revenue against the family$469Mbottom 24% of its family
net margin12.3%top 47% of its family
three-year revenue growth57.6%top 4% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

as filed

4.1/10

What are the people in charge doing?

bottom 41% of 47 in its family for leadership; chief executive since 2022.

weight 22% of this tense · 41st percentile among 47 sector filers · read for its shareholders

From the record

Hippo Holdings Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Mccathron, Richard (Chief Executive Officer, as filed), filing under that title since 2022-06-08, 4.4 years (bottom 41% of its family); the 15 officers and directors filing in the last fifteen months have been on the record a median of 4.3 years (bottom 12%); 4 officer or director changes were reported on Form 8-K since 2023-11-13, against the 15 people in charge now (top 30%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

What it rests on

officer and director changes on Form 8-K, against the people in charge4 in three years among 15 peopletop 30% of its family
the median years the people in charge have filed4.3 yearsbottom 12% of its family
the chief executive's years on the record4.4 yearsbottom 41% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

▶ Future

What are they set up to do next?

5.1/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed

5.4/10

How much room does it have to grow?

top 46% of 60 in its family for room to expand.

weight 33% of this tense · 54th percentile among 60 sector filers · read for itself

From the record

Hippo Holdings Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $250 million against no long-term debt tagged leaves 13.1% of its assets as net cash, top 11% of its family; cash from operations less capital spending is 1.9% of revenue (bottom 19%) (its annual report).

What it rests on

cash less debt against assets13.1%top 11% of its family
cash from operations less capital spending against revenue1.9%bottom 19% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed

4.3/10

What could actually drive growth from here?

bottom 43% of 56 in its family for growth drivers.

weight 33% of this tense · 43rd percentile among 56 sector filers · read for its customers

From the record

Hippo Holdings Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 57.6% a year over the last three filed years against 55.5% over all 6, speeding up (bottom 42% of its family); the newest year grew 26% (top 13%); capital spending grew -72.7% a year (bottom 1%) (its annual reports). Hippo Holdings Inc. reported 3 lines of business in fiscal 2024: Hippo Home Insurance Program at $236 million, Insurance As A Service at $100 million, Services at $48 million. 3 of 3 grew in the latest filed year, and the largest line is 62% of revenue (its annual report).

What it rests on

three-year growth against the whole span+2.1 points a yearbottom 42% of its family
the newest year's revenue growth26.0%top 13% of its family
three-year growth of capital spending-72.7%bottom 1% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed

5.5/10

Did its newest year beat what its own record pointed to?

top 46% of 56 in its family for expectations against reality.

weight 33% of this tense · 54th percentile among 56 sector filers · read for its shareholders

From the record

Hippo Holdings Inc.'s newest year against its own record: revenue of $469 million in fiscal 2025 came in 28.5% below the $656 million its prior three years' pace pointed to (bottom 6% of its family); net income of $58 million against a prior three-year average of $216 million (top 38%); a net margin of 12.3% against losses larger than its revenue before (top 4%) (its annual reports).

What it rests on

revenue against the prior three years' pace-28.5%bottom 6% of its family
net income against the prior three years' average+127%top 38% of its family
net margin against its prior averageup more than 100 pointstop 4% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton HIPO · research, not advice