Hippo Holdings (HIPO) Fair Value & Analysis
Financial Services · US · Market cap $676M
Hippo Holdings
HIPO · US
Fair value as of: Jul 26, 2026
From 4 valuation models · updated 15 days ago
Share price +13.2% over the past month.
A solid business, but screening 12% overvalued on our models.
What matters now
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
- Our model range runs from $21.61 (bear) to $36.01 (bull), base $28.81. The closer the price sits to the lower half, the larger the margin of safety.
- Quality 53/100 (solid quality) with high evidence: the data supports the verdict.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 26, 2026.
How to read this chart
60‑month range $6.90 – $251.00 · fair‑value band $21.61 – $36.01 · the $32.62 price screens above the $28.81 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 26, 2026.
Analysis
Hippo Holdings (HIPO) currently trades at $32.62, while our model-based Fair Value estimate is $28.81, implying the stock looks roughly 11.7% overvalued today. The Quality Score stands at 53/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, Hippo Holdings generated revenue of $479M at a net margin of 23.5%. Revenue grew 8.9% year over year. It earns a return on equity of 29.7%. The balance sheet holds a net cash position of $198M. Fundamentals as of Jul 26, 2026
Our scenario range runs from $21.61 (bear case) to $36.01 (bull case); at $32.62, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 16% below its 52-week high and 35% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 8% fair-value upside, at -12%, HIPO screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 4 models by family
Widest divergence: Multiples ($23.45) versus Asset-Based ($11.22). Highest evidence: P/E Multiple (63).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 26, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 50 · Market factors (momentum, volatility) 50
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Hippo Holdings Inc., together with its subsidiaries, provides property and casualty insurance products to individuals and business customers primarily in the United States.
Full company description
Hippo Holdings Inc., together with its subsidiaries, provides property and casualty insurance products to individuals and business customers primarily in the United States. The company provides a multi-carrier platform through owned and partner managing general agents (MGAs), serving as a licensed insurance carrier for MGAs and providing admitted and non-admitted (excess and surplus) paper, regulatory licenses, and reinsurance across multiple lines of business. The company also offers insurance products, including homeowners, renters, commercial multi-peril, casualty, and other specialty insurance programs. It provides homeowners insurance, general liability, commercial auto liability, and excess and umbrella liability, written through delegated authority arrangements, renters insurance, liability coverage, commercial multi-peril policies for small to mid-sized businesses, and niche personal or commercial products, as well as program-specific and corporate catastrophe reinsurance solutions. The company distributes insurance products and services through its technology platforms and website, as well as operates licensed insurance agencies. The company was formerly known as Hippo Enterprises Inc. and changed its name to Hippo Holdings Inc. in August 2021. Hippo Holdings Inc. is headquartered in San Jose, California.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Hippo Holdings reported revenue of $469M in FY2025 versus $91.2M in FY2021, a compound +50.6%/yr. Reported net income was $57.7M in FY2025.
HIPO screens 12% overvalued. Compare with The Progressive Corporation →
Earlier news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Hippo (HIPO) Q2 2026 Earnings Call Transcript
- Hippo Holdings Inc. Q2 2026 Earnings Call Summary
- Hippo Holdings reports Q2 results
- Hippo Holdings Inc. (HIPO) Expected to Beat Earnings Estimates: Can the Stock Move Higher?
Peer Group
Insurance - Property & Casualty · 120 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Insurance - Property & Casualty median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Insider activity: 44/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Insurance - Property & Casualty stocks, each showing price versus our Fair Value estimate (as of Jul 26, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| The Progressive Corporation PGR | $234.48 | $252.50 | +8% |
| Chubb Limited CB | $337.44 | $345.56 | +2% |
| The Travelers Companies, Inc TRV | $368.98 | $384.42 | +4% |
| The Allstate Corporation ALL | $251.61 | $503.22 | +100% |
| The People's Insurance Company 601319 | ¥7.06 | ¥13.71 | +94% |
| Intact Financial Corporation IFC | C$294.02 | C$247.44 | -16% |
| Fairfax Financial Holdings FFH | C$2,327 | C$3,252 | +40% |
| QBE Insurance Group QBE | A$25.47 | A$19.42 | -24% |
| Samsung Fire & Marine Insurance Co 000810 | 648,000 KRW | 658,771 KRW | +2% |
| Powszechny Zaklad Ubezpieczen SA PZU | 69.80 PLN | 100.85 PLN | +44% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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