NYSE : HIPO
Hippo Holdings Inc. — Financial statements
Financials · Insurance - Property & Casualty · United States
Last price 37.16 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 989.26M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Premiums & Annuity Revenue | 445.00M | 380.10M | 272.50M | 107.50M | 42.50M | 38.90M |
| Total Interest & Dividend Income | 27.90M | 25.40M | 24.50M | 23.90M | 9.00M | 300.00K |
| Other Revenue | 69.70M | 63.10M | 75.20M | 79.10M | 68.20M | 52.00M |
| Total Revenue | 542.60M | 468.60M | 372.20M | 210.50M | 119.70M | 91.20M |
| Policy Benefits | 225.50M | 229.90M | 209.00M | 181.70M | 101.40M | 84.40M |
| Selling, General & Administrative | 111.00M | 109.50M | 120.00M | 155.30M | 176.90M | 157.40M |
| Other Operating Expenses | 144.90M | 126.80M | 84.30M | 74.20M | 54.50M | 40.60M |
| Total Operating Expenses | 506.60M | 494.30M | 450.40M | 467.50M | 392.10M | 306.10M |
| Operating Income | 36.00M | -25.70M | -78.20M | -257.00M | -272.40M | -214.90M |
| Interest Expense | -3.20M | -1.00M | -26.10M | |||
| Other Non Operating Income (Expenses) | 2.50M | -172.80M | ||||
| EBT Excluding Unusual Items | 32.80M | -26.70M | -78.20M | -257.00M | -269.90M | -413.80M |
| Merger & Restructuring Charges | -1.80M | -400.00K | ||||
| Impairment of Goodwill | -53.50M | |||||
| Gain (Loss) on Sale of Assets | 95.00M | 54.40M | ||||
| Asset Writedown | -5.00M | -3.60M | -5.50M | |||
| Other Unusual Items | 1.10M | 47.00M | ||||
| Pretax Income | 33.90M | 63.30M | -27.40M | -262.50M | -325.20M | -367.20M |
| Income Tax Expense | 1.90M | 700.00K | 1.20M | 500.00K | 1.30M | 700.00K |
| Earnings From Continuing Ops. | 32.00M | 62.60M | -28.60M | -263.00M | -326.50M | -367.90M |
| Minority Interest in Earnings | -4.90M | -11.90M | -10.10M | -6.90M | -3.50M | |
| Net Income | 32.00M | 57.70M | -40.50M | -273.10M | -333.40M | -371.40M |
| Net Income to Common | 32.00M | 57.70M | -40.50M | -273.10M | -333.40M | -371.40M |
| Shares Outstanding (Basic) | 25.87M | 25.25M | 24.70M | 23.58M | 22.75M | 10.89M |
| Shares Outstanding (Diluted) | 26.34M | 26.01M | 24.70M | 23.58M | 22.75M | 10.89M |
| EPS (Basic) | 1.24 | 2.28 | -1.64 | -11.58 | -14.66 | -34.11 |
| EPS (Diluted) | 1.22 | 2.22 | -1.64 | -11.58 | -14.66 | -34.11 |
| Free Cash Flow | 126.80M | 9.10M | 47.20M | -122.00M | -166.40M | -125.30M |
| Free Cash Flow Per Share | 4.81 | 0.35 | 1.91 | -5.17 | -7.32 | -11.51 |
| Operating Margin | 6.64% | -5.48% | -21.01% | -122.09% | -227.57% | -235.64% |
| Profit Margin | 5.90% | 12.31% | -10.88% | -129.74% | -278.53% | -407.24% |
| Free Cash Flow Margin | 23.37% | 1.94% | 12.68% | -57.96% | -139.01% | -137.39% |
| EBITDA | 38.10M | -22.40M | -71.60M | -250.30M | -266.20M | -208.90M |
| EBITDA Margin | 7.02% | -4.78% | -19.24% | -118.91% | -222.39% | -229.06% |
| D&A For EBITDA | 2.10M | 3.30M | 6.60M | 6.70M | 6.20M | 6.00M |
| EBIT | 36.00M | -25.70M | -78.20M | -257.00M | -272.40M | -214.90M |
| EBIT Margin | 6.64% | -5.48% | -21.01% | -122.09% | -227.57% | -235.64% |
| Effective Tax Rate | 5.61% | 1.11% | ||||
| Revenue as Reported | 542.60M | 468.60M | 372.10M | 209.70M | 119.70M | 91.20M |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Investments in Debt Securities | 436.30M | 293.40M | 205.70M | 161.70M | 121.10M | 54.90M |
| Other Investments | 62.80M | 152.50M | 167.60M | 187.10M | 324.80M | 9.10M |
| Total Investments | 499.10M | 445.90M | 373.30M | 348.80M | 445.90M | 64.00M |
| Cash & Equivalents | 311.80M | 218.30M | 197.60M | 142.10M | 194.50M | 775.60M |
| Reinsurance Recoverable | 547.50M | 346.60M | 285.30M | 281.30M | 286.30M | 266.90M |
| Other Receivables | 675.60M | 349.70M | 247.30M | 224.60M | 162.00M | 122.50M |
| Deferred Policy Acquisition Cost | 44.40M | 28.60M | 11.60M | |||
| Property, Plant & Equipment | 33.10M | 33.20M | 37.70M | 45.50M | 33.00M | 1.10M |
| Goodwill | 53.50M | |||||
| Other Intangible Assets | 54.00M | 56.80M | 65.10M | 75.70M | 65.70M | 58.10M |
| Restricted Cash | 15.00M | 31.80M | 35.20M | 53.00M | 50.00M | 43.10M |
| Other Current Assets | 561.30M | 359.40M | 280.80M | 346.90M | 327.30M | 252.80M |
| Other Long-Term Assets | 10.40M | 35.20M | 9.50M | 6.80M | 4.20M | 5.10M |
| Total Assets | 2.75B | 1.91B | 1.54B | 1.52B | 1.57B | 1.64B |
| Accrued Expenses | 63.00M | 45.30M | 40.10M | 32.00M | 11.20M | 20.80M |
| Unpaid Claims | 10.40M | 14.90M | 19.30M | 26.30M | 27.70M | 23.20M |
| Unearned Premiums | 867.90M | 579.70M | 457.90M | 419.20M | 341.30M | 253.10M |
| Reinsurance Payable | 1.23B | 724.80M | 598.60M | 582.60M | 500.90M | 420.20M |
| Current Portion of Leases | 3.10M | |||||
| Long-Term Debt | 47.90M | 47.90M | ||||
| Long-Term Leases | 3.20M | 1.40M | 10.00M | 14.80M | 28.90M | |
| Other Long-Term Liabilities | 57.70M | 52.30M | 52.30M | 61.30M | 54.40M | 52.50M |
| Total Liabilities | 2.28B | 1.47B | 1.18B | 1.14B | 975.40M | 781.00M |
| Additional Paid-In Capital | 1.67B | 1.65B | 1.64B | 1.62B | 1.56B | 1.49B |
| Retained Earnings | -1.19B | -1.22B | -1.27B | -1.23B | -961.10M | -628.00M |
| Comprehensive Income & Other | -14.50M | 1.80M | -2.70M | -2.90M | -7.00M | -700.00K |
| Total Common Equity | 469.00M | 436.10M | 362.10M | 377.90M | 589.90M | 859.60M |
| Minority Interest | 3.10M | 6.80M | 3.60M | 2.10M | ||
| Shareholders' Equity | 469.00M | 436.10M | 365.20M | 384.70M | 593.50M | 861.70M |
| Total Liabilities & Equity | 2.75B | 1.91B | 1.54B | 1.52B | 1.57B | 1.64B |
| Filing Date Shares Outstanding | 26.62M | 25.97M | 25.08M | 24.31M | 23.31M | 22.65M |
| Total Common Shares Outstanding | 26.62M | 25.70M | 24.87M | 24.15M | 23.20M | 22.60M |
| Total Debt | 51.10M | 52.40M | 10.00M | 14.80M | 28.90M | |
| Net Cash (Debt) | 260.70M | 165.90M | 187.60M | 127.30M | 165.60M | 775.60M |
| Net Cash Per Share | 9.90 | 6.38 | 7.60 | 5.40 | 7.28 | 71.24 |
| Book Value Per Share | 17.62 | 16.97 | 14.56 | 15.65 | 25.43 | 38.03 |
| Tangible Book Value | 415.00M | 379.30M | 297.00M | 302.20M | 524.20M | 748.00M |
| Tangible Book Value Per Share | 15.59 | 14.76 | 11.94 | 12.51 | 22.59 | 33.10 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 32.00M | 57.70M | -40.50M | -273.10M | -333.40M | -371.40M |
| Depreciation & Amortization | 2.10M | 3.30M | 6.60M | 6.70M | 6.20M | 6.00M |
| Other Amortization | 17.20M | 17.10M | 16.60M | 13.10M | 9.00M | 25.40M |
| Gain (Loss) on Sale of Assets | -95.00M | -95.00M | -54.40M | |||
| Stock-Based Compensation | 29.30M | 29.30M | 38.20M | 57.50M | 61.90M | 24.30M |
| Change in Accounts Receivable | -85.40M | -85.40M | -21.90M | -38.00M | -50.90M | -19.50M |
| Reinsurance Recoverable | -61.30M | -61.30M | -4.00M | 5.00M | -19.40M | -132.80M |
| Change in Unearned Revenue | 121.80M | 121.80M | 38.70M | 77.90M | 88.20M | 102.80M |
| Change in Insurance Reserves / Liabilities | 70.40M | 70.40M | 27.50M | 28.70M | 33.00M | 155.70M |
| Change in Other Net Operating Assets | -105.50M | -105.50M | 41.50M | -33.30M | -61.30M | -135.80M |
| Other Operating Activities | 141.60M | -3.40M | 5.70M | 2.70M | 3.90M | 147.50M |
| Operating Cash Flow | 127.40M | 9.20M | 47.50M | -92.40M | -161.50M | -124.50M |
| Capital Expenditures | -600.00K | -100.00K | -300.00K | -29.60M | -4.90M | -800.00K |
| Purchase / Sale of Intangible Assets | -13.00M | -13.20M | -11.70M | -17.10M | -14.80M | -16.60M |
| Investment in Securities | -88.60M | -63.70M | -30.90M | 107.50M | -384.20M | -9.70M |
| Other Investing Activities | 25.00M | 6.00M | -3.20M | -2.00M | -2.90M | |
| Investing Cash Flow | -77.20M | -11.20M | 30.30M | 57.60M | -405.90M | -30.00M |
| Long-Term Debt Issued | 47.90M | |||||
| Net Debt Issued (Repaid) | 47.90M | |||||
| Issuance of Common Stock | 3.50M | 3.80M | 6.70M | 2.80M | 4.10M | 5.50M |
| Repurchases of Common Stock | -23.90M | -25.50M | -6.50M | -3.90M | ||
| Issuance of Preferred Stock | 29.00M | |||||
| Other Financing Activities | 900.00K | -8.50M | -21.30M | -10.90M | -7.00M | 446.30M |
| Financing Cash Flow | 4.40M | 19.30M | -40.10M | -14.60M | -6.80M | 480.80M |
| Net Cash Flow | 54.60M | 17.30M | 37.70M | -49.40M | -574.20M | 326.30M |
| Free Cash Flow | 126.80M | 9.10M | 47.20M | -122.00M | -166.40M | -125.30M |
| Free Cash Flow Margin | 23.37% | 1.94% | 12.68% | -57.96% | -139.01% | -137.39% |
| Free Cash Flow Per Share | 4.81 | 0.35 | 1.91 | -5.17 | -7.32 | -11.51 |
| Levered Free Cash Flow | 244.80M | 44.71M | 133.03M | 106.47M | -405.05M | -227.82M |
| Unlevered Free Cash Flow | 246.80M | 45.34M | 133.03M | 106.47M | -405.05M | -231.91M |
| Change in Working Capital | -4.20M | -4.20M | 70.30M | 93.30M | 37.30M | 43.70M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 950.40M | 762.08M | 652.11M | 217.85M | 313.65M | 1.59B |
| Enterprise Value | 689.70M | 567.58M | 475.71M | 9.65M | -7.65M | 815.94M |
| PE Ratio | 29.16 | 13.21 | ||||
| PS Ratio | 1.75 | 1.63 | 1.75 | 1.03 | 2.62 | 17.46 |
| PB Ratio | 2.03 | 1.75 | 1.79 | 0.57 | 0.53 | 1.85 |
| P/FCF Ratio | 7.50 | 83.75 | 13.82 | |||
| P/OCF Ratio | 7.46 | 82.83 | 13.73 | |||
| EV/Sales Ratio | 1.27 | 1.21 | 1.28 | 0.05 | 8.95 | |
| EV/FCF Ratio | 5.44 | 62.37 | 10.08 | |||
| Debt / Equity Ratio | 0.11 | 0.12 | 0.03 | 0.04 | 0.05 | |
| Debt / FCF Ratio | 0.40 | 5.76 | 0.21 | |||
| Net Debt / Equity Ratio | -0.56 | -0.38 | -0.51 | -0.33 | -0.28 | -0.90 |
| Net Debt / EBITDA Ratio | -6.84 | 7.41 | 2.62 | 0.51 | 0.62 | 3.71 |
| Net Debt / FCF Ratio | -2.06 | -18.23 | -3.98 | 1.04 | 0.99 | 6.19 |
| Quick Ratio | 0.48 | 0.53 | 0.55 | 0.52 | 0.77 | 1.26 |
| Current Ratio | 1.00 | 1.07 | 1.09 | 1.17 | 1.53 | 2.05 |
| Asset Turnover | 0.23 | 0.27 | 0.24 | 0.14 | 0.07 | 0.07 |
| Return on Equity (ROE) | 7.19% | 15.62% | -7.63% | -53.77% | -44.87% | -71.44% |
| Return on Assets (ROA) | 0.97% | -0.93% | -3.19% | -10.38% | -10.60% | -10.24% |
| Return on Invested Capital (ROIC) | 6.56% | -5.88% | -20.19% | -50.30% | -36.71% | -32.99% |
| Earnings Yield | 3.43% | 7.57% | -6.21% | -125.36% | -106.30% | -23.32% |
| FCF Yield | 13.34% | 1.19% | 7.24% | -56.00% | -53.05% | -7.87% |
| Buyback Yield / Dilution | -1.88% | -5.31% | -4.75% | -3.66% | -108.94% | -213.21% |