Hippo Holdings (HIPO) | Financial Analysis & Statements
Hippo Holdings Inc. Small-cap Financial Services
TL;DR: Financial Overview - Revenue, Profits & Key Metrics
Latest Quarterly: Dec 2025Income Metrics
Revenue
120.4M
Net Income
6.0M
4.98%
EPS (Diluted)
$0.23
Balance Sheet Metrics
Total Assets
1.9B
Total Liabilities
1.5B
Shareholders Equity
436.1M
Debt to Equity
3.37
Cash Flow Metrics
Free Cash Flow
-300.0K
Revenue & Profitability Trend
Quarter Income Flow
Dec 31, 2025
Annual Income Flow
2025
Hippo Holdings Income Statement From 2021 to 2025
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 468.6M | 372.1M | 209.7M | 119.7M | 91.2M |
| Cost of Goods Sold | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Gross Margin % | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Operating Expenses | |||||
| Research & Development | - | - | - | - | - |
| Selling, General & Administrative | 100.6M | 121.9M | 172.2M | 185.8M | 151.4M |
| Other Operating Expenses | 33.5M | 30.6M | 46.2M | 55.0M | 36.2M |
| Total Operating Expenses | 134.1M | 152.5M | 218.4M | 240.8M | 187.6M |
| Operating Income | - | - | - | - | - |
| Operating Margin % | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Non-Operating Items | |||||
| Interest Income | - | - | - | - | - |
| Interest Expense | - | - | - | - | 198.9M |
| Other Non-Operating Income | - | - | - | - | - |
| Pre-tax Income | 63.3M | -27.4M | -262.5M | -325.2M | -367.2M |
| Income Tax | 700.0K | 1.2M | 500.0K | 1.3M | 700.0K |
| Effective Tax Rate % | 1.1% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net Income | 62.6M | -28.6M | -263.0M | -326.5M | -367.9M |
| Net Margin % | 13.4% | -7.7% | -125.4% | -272.8% | -403.4% |
| Key Metrics | |||||
| EBITDA | - | - | - | - | - |
| EPS (Basic) | $2.28 | $-1.64 | $-11.58 | $-14.66 | $-34.11 |
| EPS (Diluted) | $2.22 | $-1.64 | $-11.58 | $-14.66 | $-34.11 |
| Basic Shares Outstanding | 25253520 | 24699913 | 23578922 | 22747101 | 10886757 |
| Diluted Shares Outstanding | 25253520 | 24699913 | 23578922 | 22747101 | 10886757 |
Income Statement Trend
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Hippo Holdings Balance Sheet From 2021 to 2025
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Assets | |||||
| Current Assets | |||||
| Cash & Equivalents | 218.3M | 197.6M | 142.1M | 194.5M | 775.6M |
| Short-term Investments | 253.7M | 373.3M | 259.1M | 445.9M | 9.1M |
| Accounts Receivable | 597.6M | 453.1M | 432.1M | 402.5M | 323.4M |
| Inventory | - | - | - | - | - |
| Other Current Assets | - | - | - | - | - |
| Total Current Assets | - | - | - | - | - |
| Non-Current Assets | |||||
| Property, Plant & Equipment | - | - | - | - | - |
| Goodwill | 56.8M | 65.1M | 75.7M | 65.7M | 165.1M |
| Intangible Assets | 56.8M | 65.1M | 75.7M | 65.7M | 58.1M |
| Long-term Investments | - | - | - | - | - |
| Other Non-Current Assets | - | - | - | - | - |
| Total Non-Current Assets | - | - | - | - | - |
| Total Assets | 1.9B | 1.5B | - | - | - |
| Liabilities | |||||
| Current Liabilities | |||||
| Accounts Payable | 319.3M | 267.9M | 286.4M | 234.8M | 182.6M |
| Short-term Debt | - | - | - | - | - |
| Current Portion of Long-term Debt | - | - | - | - | - |
| Other Current Liabilities | - | - | - | - | - |
| Total Current Liabilities | - | - | - | - | - |
| Non-Current Liabilities | |||||
| Long-term Debt | 52.4M | 10.0M | 14.8M | 28.9M | - |
| Deferred Tax Liabilities | - | - | - | - | - |
| Other Non-Current Liabilities | - | - | - | - | - |
| Total Non-Current Liabilities | - | - | - | - | - |
| Total Liabilities | 1.5B | 1.2B | - | - | - |
| Equity | |||||
| Common Stock | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | -1.2B | -1.3B | -1.2B | -961.1M | -628.0M |
| Treasury Stock | - | - | - | - | - |
| Other Equity | - | - | - | - | - |
| Total Shareholders Equity | 436.1M | 365.2M | 384.7M | 593.5M | 861.7M |
| Key Metrics | |||||
| Total Debt | 52.4M | 10.0M | 14.8M | 28.9M | 0 |
| Working Capital | 0 | 0 | 0 | 0 | 0 |
Balance Sheet Composition
Hippo Holdings Cash Flow Statement From 2021 to 2025
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Operating Activities | |||||
| Net Income | 62.6M | -28.6M | -263.0M | -326.5M | -367.9M |
| Depreciation & Amortization | - | - | - | - | - |
| Stock-Based Compensation | 29.3M | 38.2M | 57.5M | 61.9M | 24.3M |
| Working Capital Changes | -124.3M | -39.8M | 17.9M | -25.2M | -148.0M |
| Operating Cash Flow | -41.3M | -34.7M | -190.5M | -292.7M | -526.0M |
| Investing Activities | |||||
| Capital Expenditures | -100.0K | -300.0K | -29.6M | -4.9M | -800.0K |
| Acquisitions | 65.8M | 67.2M | - | - | -600.0K |
| Investment Purchases | -426.0M | -367.8M | -409.6M | -793.0M | -26.2M |
| Investment Sales | 362.3M | 336.9M | 517.1M | 408.8M | 16.5M |
| Investing Cash Flow | 2.0M | 42.0M | 74.7M | -391.1M | -14.0M |
| Financing Activities | |||||
| Share Repurchases | -14.5M | -15.6M | -1.8M | 0 | - |
| Dividends Paid | - | - | - | - | - |
| Debt Issuance | - | - | - | - | 0 |
| Debt Repayment | - | - | - | - | - |
| Financing Cash Flow | 19.3M | -40.1M | -14.6M | -6.8M | 446.3M |
| Free Cash Flow | -4.1M | 35.5M | -139.1M | -181.2M | -141.9M |
| Net Change in Cash | -20.0M | -32.8M | -130.4M | -690.6M | -93.7M |
Cash Flow Trend
Hippo Holdings Key Financial Ratios
Valuation Ratios
P/E Ratio (TTM)
12.83
Forward P/E
11.08
Price to Book
1.68
Price to Sales
1.58
PEG Ratio
-0.15
Profitability Ratios
Profit Margin
12.31%
Operating Margin
5.90%
Return on Equity
15.63%
Return on Assets
-0.93%
Financial Health
Current Ratio
1.07
Debt to Equity
12.02
Beta
1.61
Per Share Data
EPS (TTM)
$2.22
Book Value per Share
$16.97
Revenue per Share
$18.56
Peer Financial Comparison
| Company | Market Cap | P/E Ratio | P/B Ratio | ROE | Profit Margin | Debt/Equity |
|---|---|---|---|---|---|---|
| HIPO | 739.7M | 12.83 | 1.68 | 15.63% | 12.31% | 12.02 |
| Chubb | 130.2B | 11.64 | 1.75 | 14.34% | 17.29% | 30.94 |
| Progressive | 120.1B | 10.45 | 3.75 | 37.90% | 12.93% | 26.17 |
| HCI | 2.0B | 6.77 | 1.92 | 40.46% | 33.19% | 6.09 |
| Kemper | 1.9B | 14.25 | 0.71 | 4.86% | 2.99% | 56.29 |
| Horace Mann | 1.9B | 11.62 | 1.24 | 11.70% | 9.53% | 110.13 |
Financial data is updated regularly. All figures are in the company's reporting currency.






