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Upturn AI SWOT - About
Hippo Holdings Inc (HIPO)
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Upturn Advisory Summary
07/01/2025: HIPO (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration 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 20.99% | Avg. Invested days 24 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 702.63M USD | Price to earnings Ratio - | 1Y Target Price 36 |
Price to earnings Ratio - | 1Y Target Price 36 | ||
Volume (30-day avg) 3 | Beta 1.49 | 52 Weeks Range 14.58 - 35.44 | Updated Date 07/1/2025 |
52 Weeks Range 14.58 - 35.44 | Updated Date 07/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -2.08 |
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 2025-06-04 | When After Market | Estimate -1.65 | Actual -1.9376 |
Profitability
Profit Margin -13.21% | Operating Margin (TTM) -41.52% |
Management Effectiveness
Return on Assets (TTM) -3.9% | Return on Equity (TTM) -12.02% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 570635680 | Price to Sales(TTM) 1.77 |
Enterprise Value 570635680 | Price to Sales(TTM) 1.77 | ||
Enterprise Value to Revenue 1.44 | Enterprise Value to EBITDA - | Shares Outstanding 25157000 | Shares Floating 17760859 |
Shares Outstanding 25157000 | Shares Floating 17760859 | ||
Percent Insiders 25.14 | Percent Institutions 45.54 |
Analyst Ratings
Rating 1 | Target Price 36 | Buy 1 | Strong Buy 1 |
Buy 1 | Strong Buy 1 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Hippo Holdings Inc
Company Overview
History and Background
Hippo Holdings Inc. was founded in 2015 and went public in August 2021 via a SPAC merger. It aims to modernize the home insurance industry using technology and data analytics.
Core Business Areas
- Home Insurance: Provides comprehensive home insurance policies that cover a range of risks, including fire, theft, and water damage. They focus on providing proactive coverage and smart home integrations.
- Condo Insurance: Offers insurance solutions tailored for condo owners, covering interior damages and personal liability.
- Renters Insurance: Provides coverage for renters' personal belongings and liability.
- Other: Offers adjacent home services, such as home maintenance and monitoring, through partnerships and acquisitions.
Leadership and Structure
Asher Langton is the CEO. Hippo operates with a functional organizational structure, focusing on technology, underwriting, and customer experience.
Top Products and Market Share
Key Offerings
- Home Insurance Policies: Hippo's core product is home insurance. The market is fragmented, with large national players and smaller regional insurers. Hippo's market share is relatively small but growing. Competitors include State Farm (ST), Allstate (ALL), Progressive (PGR), and Lemonade (LMND). Hippo is trying to differentiate itself through technology-driven personalization and proactive risk mitigation.
- Smart Home Program: Offers discounts and proactive monitoring to customers who install smart home devices. While revenue directly attributable to this isn't specified, it's integrated into the core insurance product and is a key differentiator. Competitors include traditional insurers who offer similar discounts (ST, ALL, PGR), and smart home security companies (ADT).
Market Dynamics
Industry Overview
The US home insurance market is large and competitive, facing challenges like increasing claims costs, climate change impacts, and evolving customer expectations for digital experiences.
Positioning
Hippo aims to be a disruptor in the home insurance industry by leveraging technology to offer a more personalized and proactive insurance experience. Their competitive advantages include data analytics, smart home integrations, and a focus on customer experience.
Total Addressable Market (TAM)
The U.S. home insurance market is estimated to be over $100 billion annually. Hippo, with its current market share, has significant room to grow within this TAM.
Upturn SWOT Analysis
Strengths
- Technology-driven platform
- Focus on customer experience
- Smart home integrations
- Proactive risk mitigation
- Partnerships and Acquisitions
Weaknesses
- Relatively small market share
- High operating expenses
- Dependence on reinsurance
- Loss ratio challenges
- Limited historical financial data
Opportunities
- Expansion into new geographic markets
- Increased adoption of smart home technology
- Partnerships with home builders and real estate companies
- Development of new insurance products
- Capitalizing on aging policy admin systems
Threats
- Increasing claims costs due to climate change
- Intense competition from established insurers
- Regulatory changes
- Economic downturns
- Adverse selection
Competitors and Market Share
Key Competitors
- ST
- ALL
- PGR
- LMND
- MET
Competitive Landscape
Hippo differentiates itself through its technology-driven approach, but faces intense competition from larger, more established insurers with greater financial resources and brand recognition.
Major Acquisitions
Spinnaker Insurance Company
- Year: 2020
- Acquisition Price (USD millions): 40
- Strategic Rationale: Acquiring Spinnaker allowed Hippo to gain greater control over its underwriting and claims processes, as well as expand its geographic footprint.
Growth Trajectory and Initiatives
Historical Growth: Hippo has experienced rapid revenue growth in its early years, but has faced challenges in achieving profitability. Data is not available for all years requested and should be updated with latest financials.
Future Projections: Analyst estimates suggest continued revenue growth, but profitability remains a key focus. Data is not available for all years requested and should be updated with latest financials.
Recent Initiatives: Hippo has focused on improving its underwriting performance, reducing operating expenses, and expanding its product offerings through partnerships and acquisitions.
Summary
Hippo is attempting to modernize the home insurance industry, but faces challenges in achieving profitability amidst intense competition. The company's technology-driven approach and focus on customer experience are strengths, but it needs to improve its underwriting performance and reduce operating expenses. The industry is competitive and rapidly changing, so the business may not continue in operation.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, Analyst reports, Industry publications
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share numbers are estimates and may vary depending on the source.
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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