HIPO

Based on Hippo Holdings Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

What does Hippo Holdings do?

Hippo Holdings provides homeowners' insurance in the United States, covering risks like fire, wind, and theft. The company distributes policies through a technology platform, allowing customers to purchase coverage online, by phone, or via licensed agents. It also offers commercial and personal lines products as part of a broader home protection platform.

Does HIPO pay dividends?

No, Hippo Holdings does not pay a dividend. The company is focused on growing its insurance platform and reinvesting capital into operations rather than distributing cash to shareholders. Investors seeking income should note this when evaluating HIPO.

When does HIPO report earnings?

Hippo Holdings follows a standard quarterly earnings reporting schedule. For exact dates and the most recent financial results, check the investor relations section of Hippo's official website, as specific calendar dates are subject to change.

Is HIPO a good stock to buy?

UQS Score rates HIPO as Below Average overall. The Growth pillar is a relative strength, but Weak ratings in both Risk and Moat reflect meaningful concerns around competitive positioning and underwriting stability. The full pillar breakdown is available to UQS Pro members.

Is HIPO overvalued?

HIPO's Valuation pillar is rated Neutral, suggesting the stock is not obviously expensive or cheap relative to its fundamentals at current levels. Whether that represents fair value depends on how investors weigh the company's growth trajectory against its risk profile.

How does HIPO compare to its competitors?

Hippo's technology-first distribution model differentiates it from more traditional specialty insurers like AMERISAFE and Employers Holdings, which focus on workers' compensation niches. However, Hippo's Weak Moat rating suggests it has not yet established durable competitive advantages over peers in the broader insurance market.

What is HIPO's market cap bracket?

Hippo Holdings is classified as a small-cap company. This places it in a segment of the market that can offer higher growth potential but also carries greater volatility and liquidity risk compared to large- or mega-cap insurers.

Who founded Hippo Holdings?

Hippo's founding history and leadership background are publicly available through the company's official communications and press releases. The company was incorporated in 2021 and is headquartered in Palo Alto, California.

Is HIPO a long-term quality investment?

From a long-term quality perspective, HIPO's UQS profile presents a mixed picture. The Good Growth rating points to expansion potential, but Weak scores in Risk and Moat suggest the company has not yet built the durable fundamentals typically associated with high-quality long-term holdings. Pro members can view the complete analysis.

What is the main competitive advantage of Hippo Holdings?

Hippo's primary differentiator is its technology platform, which enables faster policy issuance and a more digital customer experience than traditional home insurers. However, the UQS Moat pillar rates this advantage as Weak, indicating that the platform alone has not yet translated into a defensible competitive position.

What sector does HIPO belong to?

Hippo Holdings operates in the Financial Services sector, specifically within the insurance industry. It is often categorized as an insurtech company given its emphasis on technology-driven distribution and home protection services.

Is HIPO a growth stock or value stock?

Based on its UQS pillar profile, HIPO leans toward the growth category — the Growth pillar is rated Good, reflecting meaningful expansion activity. The Valuation pillar is Neutral, so it does not carry a deep-value profile. It is best understood as a growth-stage insurer with an unproven moat.

Hippo Holdings Inc. demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.

Hippo Holdings Inc. is growing rapidly with strong revenue and earnings expansion.

Hippo Holdings Inc. has some risk factors including moderate leverage or solvency concerns.

Hippo Holdings Inc. has a mixed valuation — some metrics suggest fair value while others appear stretched.

Hippo Holdings Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for HIPO.

The UQS (Unified Quality Score) for Hippo Holdings Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses Hippo Holdings Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether Hippo Holdings Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.