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Upturn AI SWOT - About
Hippo Holdings Inc (HIPO)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
08/14/2025: HIPO (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $36
1 Year Target Price $36
| 1 | Strong Buy |
| 1 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 17.49% | Avg. Invested days 24 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 773.62M USD | Price to earnings Ratio - | 1Y Target Price 36 |
Price to earnings Ratio - | 1Y Target Price 36 | ||
Volume (30-day avg) 3 | Beta 1.53 | 52 Weeks Range 15.74 - 35.44 | Updated Date 08/15/2025 |
52 Weeks Range 15.74 - 35.44 | Updated Date 08/15/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.38 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2025-08-06 | When - | Estimate -0.6 | Actual 0.05 |
Profitability
Profit Margin -2.52% | Operating Margin (TTM) 4.43% |
Management Effectiveness
Return on Assets (TTM) -2.15% | Return on Equity (TTM) 0.06% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 628717149 | Price to Sales(TTM) 1.82 |
Enterprise Value 628717149 | Price to Sales(TTM) 1.82 | ||
Enterprise Value to Revenue 1.48 | Enterprise Value to EBITDA - | Shares Outstanding 25028100 | Shares Floating 18146090 |
Shares Outstanding 25028100 | Shares Floating 18146090 | ||
Percent Insiders 23.24 | Percent Institutions 43.04 |
Upturn AI SWOT
Hippo Holdings Inc
Company Overview
History and Background
Hippo Holdings Inc. was founded in 2015. It is a technology-driven insurance company focused on home insurance, utilizing data and technology to streamline the insurance process. Hippo went public in 2021 via a SPAC merger.
Core Business Areas
- Home Insurance: Offers comprehensive home insurance policies, leveraging data analytics for risk assessment and personalized pricing.
- Condo Insurance: Provides insurance policies tailored to condo owners, covering interior damages, liability, and other specific needs.
- Renters Insurance: Offers renters insurance policies to protect tenants' belongings and provide liability coverage.
- Commercial Insurance: Through Spinnaker Insurance Company, Hippo offers commercial insurance solutions, diversifying its product offerings.
Leadership and Structure
Rick McCathron serves as the CEO. The organizational structure consists of departments focused on product development, technology, underwriting, sales, and customer service. A board of directors oversees the company's strategic direction.
Top Products and Market Share
Key Offerings
- Home Insurance Policies: Hippo's core product, offering customizable coverage options. Market share is relatively small compared to established players, but growing. Competitors include State Farm, Allstate, Progressive, and Lemonade.
- Smart Home Monitoring: Offers discounts on Hippo insurance to customers using home protection devices from Notion. Hippo's competitors do not make specific home protection programs a core offering.
- Condo Insurance Policies: Insurance protection for Condo owners. Competitors include State Farm, Allstate, Progressive, Lemonade, and Geico.
Market Dynamics
Industry Overview
The property and casualty insurance industry is large and competitive, experiencing disruption from technology-driven insurers. Changing climate patterns are increasing claims and costs. There is a push for digital transformation and personalization.
Positioning
Hippo positions itself as a tech-forward, customer-centric alternative to traditional insurers. It emphasizes data analytics, streamlined processes, and proactive risk mitigation through smart home partnerships.
Total Addressable Market (TAM)
The US home insurance market is estimated at over $100 billion annually. Hippo's TAM extends to the entire homeowner and renter insurance market. Hippo is focused on capturing a larger share of this market through technology and customer experience.
Upturn SWOT Analysis
Strengths
- Technology-driven platform
- Customer-centric approach
- Strategic partnerships
- Data-driven risk assessment
- Focus on home insurance
Weaknesses
- Limited market share compared to established players
- Reliance on reinsurance
- Profitability challenges
- Relatively short operating history
- History of high combined ratio
Opportunities
- Expansion into new geographic markets
- Development of new insurance products
- Increased adoption of smart home technology
- Growing demand for personalized insurance solutions
- Partnerships with mortgage providers and real estate companies
Threats
- Intense competition from established insurers
- Increasing claims costs due to climate change
- Regulatory changes
- Economic downturns
- Data breaches and cybersecurity risks
Competitors and Market Share
Key Competitors
- ALL
- BRK.A
- PGR
- LMND
Competitive Landscape
Hippo faces significant competition from established insurers with vast resources and brand recognition. Its advantages lie in its technology platform, customer experience, and data analytics. However, it needs to improve its underwriting profitability and build a stronger brand presence.
Major Acquisitions
Spinnaker Insurance Company
- Year: 2020
- Acquisition Price (USD millions): 280
- Strategic Rationale: Acquisition of Spinnaker expands Hippo's underwriting capabilities and allows for greater control over the insurance process.
Growth Trajectory and Initiatives
Historical Growth: Hippo's growth has been focused on expanding its geographic footprint and product offerings. Historical growth figures require accessing financial statements.
Future Projections: Future projections require accessing analyst estimates, which are subject to change and vary across different sources.
Recent Initiatives: Recent initiatives include partnerships with various companies, expanding its product offerings to include more comprehensive home solutions, and focusing on improving its technology platform.
Summary
Hippo is an innovative, tech-driven home insurance company. They have great smart home technology, but a low market share and the need to reduce expenses. Facing intense competition and profitability challenges, they need to continue to focus on improving underwriting profitability and scaling its operations efficiently.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Analyst Reports
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market share figures are estimates and may vary depending on the source. Financial data is subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Hippo Holdings Inc
Exchange NYSE | Headquaters Palo Alto, CA, United States | ||
IPO Launch date 2021-08-03 | President, CEO & Director Mr. Richard Lyn McCathron CIC, CPCU | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees 478 | Website https://www.hippo.com |
Full time employees 478 | Website https://www.hippo.com | ||
Hippo Holdings Inc., together with its subsidiaries, provides property and casualty insurance products to individuals and business customers primarily in the United States. It operates three segments: Services, Insurance-as-a-Service, and Hippo Home Insurance Program. The company's insurance products include homeowners' insurance against risks of fire, wind, and theft, as well as other personal lines policies from third party carriers; personal and commercial; and auto, flood, earthquake, pet, and other insurance products. It also offers service contracts, home health check-ups, and home care advice. The company distributes insurance products and services through its technology platforms and website, as well as operates licensed insurance agencies. Hippo Holdings Inc. is headquartered in Palo Alto, California.
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