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Upturn AI SWOT - About
HIPO 
Hippo Holdings Inc (HIPO)
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Upturn Advisory Summary
10/15/2025: 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 $38.67
1 Year Target Price $38.67
| 1 | Strong Buy |
| 1 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 36.19% | Avg. Invested days 29 | 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 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 853.21M USD | Price to earnings Ratio - | 1Y Target Price 38.67 |
Price to earnings Ratio - | 1Y Target Price 38.67 | ||
Volume (30-day avg) 3 | Beta 1.57 | 52 Weeks Range 18.22 - 38.98 | Updated Date 10/17/2025 |
52 Weeks Range 18.22 - 38.98 | Updated Date 10/17/2025 | ||
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 - | When - | Estimate - | Actual - |
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 751354613 | Price to Sales(TTM) 2.01 |
Enterprise Value 751354613 | Price to Sales(TTM) 2.01 | ||
Enterprise Value to Revenue 1.77 | Enterprise Value to EBITDA - | Shares Outstanding 25028054 | Shares Floating 17845253 |
Shares Outstanding 25028054 | Shares Floating 17845253 | ||
Percent Insiders 24.45 | Percent Institutions 48.94 |
Upturn AI SWOT
Hippo Holdings Inc
Company Overview
History and Background
Hippo Holdings Inc. was founded in 2015 with the goal of modernizing home insurance. It went public via a SPAC merger in 2021. Hippo focuses on using technology and data analytics to provide a more proactive and customer-centric insurance experience.
Core Business Areas
- Home Insurance: Offers comprehensive home insurance policies with smart home monitoring capabilities.
- Condo Insurance: Provides insurance coverage specifically designed for condominium owners.
- Renters Insurance: Offers coverage for renters, protecting their belongings and providing liability protection.
- Commercial Insurance: Coverage for small businesses.
Leadership and Structure
The leadership team includes Rick McCathron (CEO). The company operates with a functional structure, with departments focused on underwriting, technology, marketing, and customer service.
Top Products and Market Share
Key Offerings
- Home Insurance: Hippo's primary product is its home insurance policy, which includes smart home monitoring and proactive alerts. Market share is still relatively small compared to established players. Competitors include State Farm, Allstate, Progressive, and Lemonade.
- Condo Insurance: Hippo's condo insurance offers tailored coverage for condo owners. Competitors include State Farm, Allstate and Travelers
- Renters Insurance: Hippo offers renters insurance policies that protect against property loss and liability. Competitors include Lemonade and Allstate
Market Dynamics
Industry Overview
The home insurance industry is large and competitive, characterized by established players and increasing disruption from insurtech companies.
Positioning
Hippo aims to differentiate itself through its technology-driven approach, proactive risk management, and customer-centric service.
Total Addressable Market (TAM)
The US Home Insurance market TAM is estimated to be over $100 billion. Hippo is positioned to capture a portion of this market through innovation and digital adoption.
Upturn SWOT Analysis
Strengths
- Innovative Technology Platform
- Customer-Centric Approach
- Proactive Risk Management
- Strong Focus on Data Analytics
Weaknesses
- Limited Market Share Compared to Incumbents
- Reliance on Reinsurance
- Relatively Short Operating History
- Ongoing Losses
Opportunities
- Expanding Product Offerings
- Increasing Digital Adoption in Insurance
- Partnerships with Home Builders and Smart Home Providers
- Geographic Expansion
Threats
- Intense Competition
- Changing Regulatory Landscape
- Catastrophic Events (e.g., Hurricanes, Wildfires)
- Fluctuations in Reinsurance Rates
Competitors and Market Share
Key Competitors
- ALL (Allstate)
- PGR (Progressive)
- TRV (Travelers)
- LMND (Lemonade)
Competitive Landscape
Hippo's advantage lies in its technology and customer experience, but it faces challenges in competing with larger, established players with greater capital and brand recognition.
Major Acquisitions
Spinnaker Insurance Company
- Year: 2020
- Acquisition Price (USD millions): 280
- Strategic Rationale: Acquisition to bolster underwriting capabilities and expand product offerings.
Growth Trajectory and Initiatives
Historical Growth: Hippo has demonstrated revenue growth, but has experienced difficulties in achieving profitability and has a low stock price.
Future Projections: Analyst estimates vary, but generally project continued revenue growth with a focus on improving profitability. Analyst ratings vary from hold to buy.
Recent Initiatives: Recent initiatives include expanding into new states, enhancing smart home monitoring capabilities, and focusing on loss ratio improvement.
Summary
Hippo Holdings Inc. is an insurtech company with innovative technology but faces significant challenges. While revenue growth is apparent, profitability is still a major hurdle. Its competitive positioning relies on customer experience and technology, but intense competition and reliance on reinsurance pose risks. Investors should closely monitor loss ratios, cash flow, and the company's ability to scale its operations efficiently.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Hippo Holdings Inc. SEC Filings (10-K, 10-Q)
- Company Website
- Analyst Reports (various sources)
- Industry Publications
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market data is subject to change and may not be entirely accurate. Investors should conduct their own research and consult with a financial advisor before making investment decisions.
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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