Hippo Holdings, Inc. (HIPO)
NYSEFinancialsInsurance - Property & CasualtySnapshot 2026-11-04
$35.88+2.43%
Close 2026-11-04 · 1-day change
NYSEFinancialsInsurance - Property & CasualtySnapshot 2026-11-04
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 | 15.4% |
| Our one-year growth estimate | diamond | 34.4% |
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 2026-11-04.
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 19.0 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 25 industry peers · Company calendar date is not available
Why it matters: A lower ratio means claims and costs take less of each premium dollar. Hippo cut its full-year range to 97% to 98%.
Supportive ifThe full-year 2026 combined ratio is 98% or lower.
Worry ifThe full-year 2026 combined ratio is above 98%.
Why it matters: Gross premiums grew 60% in Q3, but net premiums grew 26%. Retention shows how much premium Hippo keeps.
Watch forNet retention returns to about 35% or higher, while net written premiums grow year over year.
Also watch forNet retention stays near or below 30%, and net written premium growth remains below gross written premium growth.
Why it matters: The Q3 net loss ratio rose from 47.6% a year earlier as storm losses returned. A further rise could strain underwriting results.
Worry ifThe next reported net loss ratio is above 56.7%.
Less concerning ifThe next reported net loss ratio is below 56.7%, and the combined ratio remains at or below 98%.
Why it matters: Hippo raised its 2026 profit range to $77 million to $80 million. Reaching that range would back up the stronger results so far.
Supportive ifFull-year 2026 adjusted net income is at least $77 million.
Worry ifFull-year 2026 adjusted net income is below $77 million.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$122 on $10,000 · ±1.2% | How much price usually moves either way. |
| Bad day | $331 loss on $10,000 · 3.3% | 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: Hippo named AI as a way to improve claims, service, and underwriting. Q3 results do not yet show a clear gain from AI.
Supportive ifHippo reports that AI use cut claims or service costs, or reduced handling time, and gives a measured result.
Worry ifHippo reports no measured AI result, or says AI use raised costs or handling time.