Hippo Holdings, Inc. (HIPO)
NYSEFinancialsInsurance - Property & CasualtySnapshot 2026-09-04
$33.87-0.94%
Close 2026-09-04 · 1-day change
NYSEFinancialsInsurance - Property & CasualtySnapshot 2026-09-04
QuarterlyIQ Insights · HIPO
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits well below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 12.4% |
| Our one-year growth estimate | diamond | 37.2% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 24.8 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 34 industry peers · Company calendar date is not available
HIPO — director transition
Dated 2025-09-16
Director — Laura Hay, Susan Holliday: The Board of Directors increased its size and appointed two new directors.
Why it matters: Growth in gross written premium shows strong demand. It also shows good strategy execution.
Supportive ifQ3 gross written premium growth exceeds 60% year over year.
Worry ifQ3 gross written premium growth falls below 50% year over year.
Why it matters: Net income growth shows better profits and efficiency.
Supportive ifNet income exceeds $10 million in Q3.
Worry ifNet income falls below $7 million in Q3.
Why it matters: A drop in revenue growth would signal a weakening trend in the financial sector. This could impact Hippo's performance.
Worry ifRevenue growth in the financial sector falls below its median level.
Less concerning ifRevenue growth remains above its median level.
Why it matters: A stable retention rate shows customer satisfaction. It also shows good risk management.
Supportive ifNet retention rate stabilizes above 36% in Q3.
Worry ifNet retention rate drops below 31% in Q3.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$136 on $10,000 · ±1.4% | How much price usually moves either way. |
| Bad day | $343 loss on $10,000 · 3.4% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $3,635 loss on $10,000 · 36.4% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: A lower combined ratio means better performance and cost control.
Supportive ifCombined ratio improves to below 99% in Q3.
Worry ifCombined ratio rises above 101% in Q3.
Why it matters: A new COO can change company strategy and execution. This could affect performance.
Watch forGood operational metrics or revenue growth after the COO change.
Also watch forBad operational metrics or revenue drop after the COO change.
Why it matters: Higher guidance shows confidence in making money. It also shows better operations.
Supportive ifAdjusted net income guidance raised above $70 million for full year 2026.
Worry ifAdjusted net income guidance is below $62 million.
Why it matters: Strong revenue growth helps the raised guidance. It shows that people want Hippo's services.
Supportive ifQ3 revenue growth of 23% year over year or better.
Worry ifQ3 revenue growth below 20% year over year.
Why it matters: An increase in revenue guidance would show continued strong growth momentum for Hippo.
Supportive ifManagement expects revenue for 2026 to be over $580 million.
Worry ifManagement keeps or lowers revenue guidance for 2026 to under $580 million.
Why it matters: Earnings results will provide insight into revenue and profitability trends. This is a key moment for investors.
Watch forQ2 earnings show revenue growth above 10% year over year.
Also watch forQ2 earnings show revenue growth below 5% year over year.