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Hippo Holdings Inc.

HIPO NYSE Fire, Marine & Casualty Insurance Financials FY2020–FY2025

Hippo Holdings Inc. had $469M of revenue in fiscal 2025, up 25.9% on the year before. Over five years, revenue changed +55.5% a year on average.

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Today
0.6%
Previous close
$38.55
Market cap
$1.0B
P/E
8.1x
Day range
$37.87 $38.69
52-week range
$24.09 $38.58

Last close Β· Oct 27, 2026

$38.30

+$1.05 (+2.82%) past year

Share price

Hippo Holdings Inc.

What Hippo Holdings Inc. does

HIPO Β· Fire, Marine & Casualty Insurance

From its latest annual report

No business description yet.

Filing details

Legal name
Hippo Holdings Inc.
Fiscal year ends
December 31, 2025
Latest annual report
10-K Β· Mar 5, 2026
Accession Β· CIK
0001828105-26-000008 Β· 0001828105

Earnings calendar Β· Hippo Holdings Inc.

Every quarter, companies publish how much they sold and earned. These are the days Hippo Holdings Inc. did it, and the next one. Share prices often move a lot on those days.

Next results

October 29, 2026

Thursday Β· in 2 days

Time
Before the market opens
Covers
Period ended Sep 30, 2026
Expected EPS
$0.09
Source
Earnings calendar
See who else reports that week β†’
Date Results for Time Source
Jul 30, 2026 Q2 '26 Time not announced 8-K β†—
Apr 30, 2026 Q1 '26 Time not announced 8-K β†—
Feb 25, 2026 Q4 '25 Time not announced 8-K β†—
Nov 5, 2025 Q3 '25 Time not announced 8-K β†—
Aug 6, 2025 Q2 '25 Time not announced 8-K β†—
May 7, 2025 Q1 '25 After the market closes 8-K β†—
Mar 6, 2025 Q4 '24 Time not announced 8-K β†—
Nov 8, 2024 Q3 '24 Time not announced 8-K β†—

From SEC filings: the results press release (8-K) or, without one, the quarterly or annual report.

KIRA’s summary AI analyst

Hi! I read Hippo Holdings Inc.’s latest annual report (fiscal 2025). Here is what stands out:

3 strengths

1.Sales and profit

See section β†’
  • Hippo Holdings Inc. had $469M of revenue in fiscal 2025, up 25.9% on the year before. Over five years, revenue changed +55.5% a year on average.
  • Hippo Holdings Inc. made $57.7M of net profit in fiscal 2025.

2.Cash and shareholders

See section β†’
  • Free cash flow was $9.1M in fiscal 2025, 1.9% of revenue.
  • Hippo Holdings Inc. returned $14.5M to shareholders in fiscal 2025, 159% of free cash flow. The diluted share count rose 5.3%.
  • In the last 12 months, insiders bought $0.0M and sold $2.3M of shares on the open market.

Hippo Holdings Inc. in 30 seconds

Good So-so Weak

Good

Are sales growing?

+25.9%

Yes. Sales grew 25.9% last year.

Good

Does it make a profit?

12.3%

Yes. It keeps 12.3% of every sale as profit.

So-so

Does profit turn into cash?

1.9%

Partly. 1.9% of sales ends up as free cash.

For information

How is the share priced?

8.1x

One share costs 8.1 times its yearly profit per share.

Rules of thumb on reported numbers. A starting point, not a recommendation.

Key numbers, fiscal 2025

Market cap Last close times the latest diluted share count, so it is approximate.
$1.0B
Oct 27 close
P/E Last close divided by diluted earnings per share over the last four quarters.
8.1x
On $4.73 EPS (TTM)

Revenue

Total sales reported in the income statement.

KIRA Β· Hippo Holdings Inc. had $469M of revenue in fiscal 2025, up 25.9% on the year before. Over five years, revenue changed +55.5% a year on average.

See the full section β†’

Operating margin

Operating income as a share of revenue.

See the full section β†’

Net income

Profit after all expenses, interest and tax.

KIRA Β· Hippo Holdings Inc. made $57.7M of net profit in fiscal 2025.

See the full section β†’

Free cash flow

Cash from operations minus capital spending.

KIRA Β· Free cash flow was $9.1M in fiscal 2025, 1.9% of revenue.

See the full section β†’

Return on capital

After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.

See the full section β†’
Charts by

Sales and profit

Is it selling more, and how much does it keep?

Revenue and margins

KIRA summarises the numbers

  • Hippo Holdings Inc. had $469M of revenue in fiscal 2025, up 25.9% on the year before.

    Over five years, revenue changed +55.5% a year on average.

Revenue

Revenue

Margins, % of revenue

Gross Operating Net FCF

Margins, % of revenue

Gross Operating Net FCF

In plain words: Revenue is all the money customers paid. The margins show how many cents of each dollar of sales are left over at each step: after making the product (gross), after running the business (operating) and after everything, tax included (net).

Net income and earnings per share

Loss periods are shown in red.

KIRA summarises the numbers

  • Hippo Holdings Inc. made $57.7M of net profit in fiscal 2025.

Net income

Net income

Diluted EPS

Diluted EPS

In plain words: Net income is the profit left after every cost and tax. Earnings per share (EPS) splits that profit across every share, so it shows what one share earned.

Cash and shareholders

How much cash comes in, and where does it go?

Cash flow

Cash from operations minus capital spending.

KIRA summarises the numbers

  • Free cash flow was $9.1M in fiscal 2025, 1.9% of revenue.

Free cash flow

Free cash flow

Cash from operations vs capital spending

Cash from operations Capital spending

Cash from operations vs capital spending

Cash from operations Capital spending

In plain words: Profit on paper is not the same as cash in the bank. Free cash flow is the cash left after paying to run and maintain the business: the money it can hand back to shareholders, save or invest.

Dividends, buybacks and share count

KIRA summarises the numbers

  • Hippo Holdings Inc. returned $14.5M to shareholders in fiscal 2025, 159% of free cash flow.

    The diluted share count rose 5.3%.

Dividends and buybacks

Dividends Buybacks

Dividends and buybacks

Dividends Buybacks

Diluted shares outstanding (annual)

In plain words: Companies hand cash back in two ways: dividends (cash paid to shareholders) and buybacks (buying back their own shares, so each remaining share owns a bigger slice).

Insider trades

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. β€œPlan” marks trades under a pre-arranged Rule 10b5-1 plan.

KIRA summarises the numbers

  • In the last 12 months, insiders bought $0.0M and sold $2.3M of shares on the open market.

Bought, 12 months

$0.0M

1 insider

Sold, 12 months

$2.3M

4 insiders

Of sales under plans

100%

$2.3M

DateInsiderTradeSharesPriceValueFiling
Oct 15, 2026 Torben OstergaardCEO Spinnaker Sold plan 1,169 $35.03 $0.0M Form 4
Oct 9, 2026 Richard McCathronChief Executive Officer, Director Sold plan 5,000 $34.18 $0.2M Form 4
Sep 9, 2026 Richard McCathronChief Executive Officer, Director Sold plan 5,000 $32.23 $0.2M Form 4
Aug 17, 2026 Torben OstergaardCEO Spinnaker Sold plan 1,169 $33.00 $0.0M Form 4
Aug 10, 2026 Richard McCathronChief Executive Officer, Director Sold plan 5,000 $32.00 $0.2M Form 4
Jul 28, 2026 Guy ZeltserChief Financial Officer Sold plan 1,669 $30.98 $0.1M Form 4
Jul 9, 2026 Richard McCathronChief Executive Officer, Director Sold plan 5,000 $28.53 $0.1M Form 4
Jun 9, 2026 Richard McCathronChief Executive Officer, Director Sold plan 5,000 $25.00 $0.1M Form 4
May 15, 2026 Torben OstergaardCEO Spinnaker Sold plan 3,667 $26.10 $0.1M Form 4
May 11, 2026 Richard McCathronChief Executive Officer, Director Sold plan 5,000 $27.10 $0.1M Form 4
Apr 9, 2026 Richard McCathronChief Executive Officer, Director Sold plan 5,000 $26.05 $0.1M Form 4
Mar 9, 2026 Richard McCathronChief Executive Officer, Director Sold plan 5,000 $25.86 $0.1M Form 4
Feb 25, 2026 Torben OstergaardCEO Spinnaker Sold plan 600 $30.44 $0.0M Form 4
Feb 17, 2026 Torben OstergaardCEO Spinnaker Sold plan 6,105 $28.57 $0.2M Form 4
Feb 9, 2026 Richard McCathronChief Executive Officer, Director Sold plan 5,000 $29.14 $0.1M Form 4
Jan 9, 2026 Richard McCathronChief Executive Officer, Director Sold plan 5,000 $31.52 $0.2M Form 4
Dec 22, 2025 Michael StienstraGM & Chief Insurance, HHIP Sold plan 3,900 $31.12 $0.1M Form 4
Dec 9, 2025 Richard McCathronChief Executive Officer, Director Sold plan 5,000 $29.82 $0.1M Form 4
Nov 21, 2025 Torben OstergaardCEO Spinnaker Sold plan 3,645 $31.99 $0.1M Form 4
Nov 18, 2025 Guy ZeltserChief Financial Officer Sold plan 1,819 $32.15 $0.1M Form 4
Nov 14, 2025 Guy ZeltserChief Financial Officer Bought 665 $7.23 $0.0M Form 4

In plain words: Insiders are the people who run or own a big part of the company. Buying with their own money can signal confidence; selling often has personal reasons, like taxes or diversifying.

Financial health

Can it carry its debts, and how well does it use its money?

Balance sheet

Cash, debt and the ratios that show how comfortably Hippo Holdings Inc. can carry it.

Cash vs debt (incl. leases)

Cash Debt
Fiscal year endFY21FY22FY23FY24FY25
Cash and short-term investments $785M$519M$329M$198M$218M
Total assets $1.6B$1.6B$1.5B$1.5B$1.9B
Total liabilities $781M$975M$1.1B$1.2B$1.5B
Shareholders' equity $860M$590M$378M$362M$436M
Net debt (βˆ’ = net cash) β€”β€”β€”β€”β€”

In plain words: What the company owns and what it owes. More cash than debt is a cushion for bad times; a lot of debt leaves less room when business slows down.

Returns on capital

After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.

Return on capital, equity and assets (annual)

Return on capital Return on equity Return on assets

In plain words: How much profit the business makes on the money put into it. A higher percentage means each dollar invested works harder.

Piotroski F-score

Nine pass/fail tests of profitability, funding and efficiency. 8–9 is strong, 0–2 weak.

TestFY20FY21FY22FY23FY24FY25
Net income is positive βœ• βœ• βœ• βœ• βœ• βœ“
Cash from operations is positive βœ• βœ• βœ• βœ• βœ“ βœ“
Return on assets rose β€” βœ• βœ“ βœ“ βœ“ βœ“
Cash from operations exceeds net income βœ“ βœ“ βœ“ βœ“ βœ“ βœ•
Debt fell relative to assets β€” β€” β€” β€” β€” β€”
Current ratio rose β€” β€” β€” β€” β€” β€”
Share count didn't rise β€” βœ“ βœ• βœ• βœ• βœ•
Gross margin rose β€” β€” β€” β€” β€” β€”
Revenue rose relative to assets β€” βœ“ βœ“ βœ“ βœ“ βœ“
F-score β€” / 3β€” / 6β€” / 6β€” / 6β€” / 6β€” / 6
Accruals ratio βˆ’7.8%βˆ’18.8%βˆ’10.7%βˆ’11.7%βˆ’5.7%2.8%
Altman Z'' β€”β€”β€”β€”β€”β€”

In plain words: Nine yes/no tests of financial health, one point each. A green tick is a pass: 7 to 9 points is solid, 0 to 3 is weak.

All figures

Every number, year by year.

6 years of figures

Amounts in USD. Hover a ratio’s name for its definition.

Download CSV
Fiscal yearFY20FY21FY22FY23FY24FY25
Income statement
Revenue $51.6M $91.2M $120M $210M $372M $469M
Pretax income βˆ’$143M βˆ’$367M βˆ’$325M βˆ’$263M βˆ’$27.4M $63.3M
Income tax βˆ’$1.8M $0.7M $1.3M $0.5M $1.2M $0.7M
Net income βˆ’$142M βˆ’$371M βˆ’$333M βˆ’$273M βˆ’$40.5M $57.7M
Net income to common βˆ’$142M βˆ’$371M βˆ’$333M βˆ’$273M βˆ’$40.5M $57.7M
Diluted EPS βˆ’$1.63 βˆ’$34.11 βˆ’$14.66 βˆ’$11.58 βˆ’$1.64 $2.22
Diluted shares 0.09B 0.01B 0.02B 0.02B 0.02B 0.03B
Cash flow
Cash from operations βˆ’$65.4M βˆ’$125M βˆ’$162M βˆ’$92.4M $47.5M $9.2M
Capital expenditure $0.4M $0.8M $4.9M $29.6M $0.3M $0.1M
Free cash flow βˆ’$65.8M βˆ’$125M βˆ’$166M βˆ’$122M $47.2M $9.1M
Depreciation and amortization $6.7M $11.0M $15.2M $19.8M $23.2M $20.4M
Stock-based compensation $17.2M $24.3M $61.9M $57.5M $38.2M $29.3M
Acquisitions $83.7M $0.6M β€” β€” β€” β€”
Share buybacks β€” β€” $0.0M $1.8M $15.6M $14.5M
Dividends and buybacks β€” β€” $0.0M $1.8M $15.6M $14.5M
Balance sheet
Cash and short-term investments $452M $785M $519M $329M $198M $218M
Current assets $1.7M β€” β€” β€” β€” β€”
Current liabilities $0.2M β€” β€” β€” β€” β€”
Property and equipment, net β€” $1.1M $5.4M $34.9M $33.0M $31.6M
Goodwill $47.8M $53.5M $0.0M $0.0M $0.0M β€”
Intangible assets $33.9M $32.2M $26.9M $27.3M $17.0M $13.8M
Total assets $979M $1.6B $1.6B $1.5B $1.5B $1.9B
Total liabilities $834M $781M $975M $1.1B $1.2B $1.5B
Shareholders' equity βˆ’$200M $860M $590M $378M $362M $436M
Margins
Net margin βˆ’274.2% βˆ’407.2% βˆ’278.5% βˆ’130.2% βˆ’10.9% 12.3%
FCF margin βˆ’127.5% βˆ’137.4% βˆ’139.0% βˆ’58.2% 12.7% 1.9%
Returns
Return on equity β€” βˆ’112.5% βˆ’46.0% βˆ’56.4% βˆ’10.9% 14.5%
Return on assets βˆ’14.4% βˆ’28.3% βˆ’20.8% βˆ’17.7% βˆ’2.6% 3.3%
Return on tangible equity β€” βˆ’48.0% βˆ’59.2% βˆ’77.9% βˆ’11.7% 13.7%
Growth
Revenue growth β€” 76.7% 31.3% 75.2% 77.4% 25.9%
FCF growth β€” β€” β€” β€” β€” βˆ’80.7%
Share count change β€” βˆ’87.5% 108.9% 3.7% 4.8% 5.3%
Financial health
Current ratio 11.2x β€” β€” β€” β€” β€”
Quick ratio 11.2x β€” β€” β€” β€” β€”
Capital allocation
Capex / revenue 0.8% 0.9% 4.1% 14.1% 0.1% 0.0%
Stock comp / revenue 33.3% 26.6% 51.7% 27.4% 10.3% 6.3%
Payouts / FCF β€” β€” β€” β€” 33.1% 159.3%
Quality scores
Accruals ratio βˆ’7.8% βˆ’18.8% βˆ’10.7% βˆ’11.7% βˆ’5.7% 2.8%

In plain words: Every number we have, year by year. Download it as a spreadsheet if you want to dig deeper.

Source: SEC EDGAR XBRL filings (CIK 0001828105). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only β€” not investment advice. Check the original filings before relying on any figure.

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