HIPO
Hippo Holdings Inc.30.48
-0.61-1.96%
Dec 16, 4:00:02 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
FY Q4 '25
Color on relaunch, casualty details
Q&A offered execution color on the homeowners relaunch without contradicting prepared optimism: a phased rollout in select states with strategic partners, expanding to DTC later. Casualty's 92% growth arises from small-business cyber, GL, construction, and auto exposures averaging $300k per account with two-year tails; retention rises thoughtfully in 2026 via reinsurance protections. Reserves netted positive full-year releases despite one large Q4 homeowners liability claim. Homeowners renewal hikes moderate from 15% but beat loss costs. No bombshells. Confident tone persists; watch relaunch traction.
Key Stats
Market Cap
772.22MP/E (TTM)
8.08Basic EPS (TTM)
3.77Dividend Yield
0%Recent Filings
10-K
FY2025 results
Hippo Holdings delivered FY2025 gross written premium of $1.1B, up 24% y/y, with net earned premium surging 39% to $380M as retention climbed to 38% amid portfolio diversification into lower-catastrophe Renters (72M earned) and Commercial Multi-Peril (48M). Q4 accelerated with net premiums reflecting higher retention in attritional lines, driving net loss ratio to 60% (down from 77%), catastrophe ratio 15% (vs 21%), and combined ratio 113% (vs 138%)—yet underwriting stayed unprofitable. $95M gain from homebuilder network sale fueled $58M net income, $436M equity, bolstered by $50M surplus note; share repurchases totaled $15M. Sequential Q4 momentum shone in Renters/CMP growth. Reinsurance remains key to quarterly cat protection.
8-K
Q4 GWP up 40%, underwriting profits
Hippo Holdings blasted Q4 gross written premium 40% higher to $288M, driven by 169% casualty surge and 58% commercial multi-peril jump, while homeowners dipped 5%. Underwriting sharpened: net loss ratio plunged 12 points to 46%, combined ratio to 99%. Full-year net income flipped to $58M profit. 2026 guides $1.4-1.5B GWP, $45-55M adjusted net income. Momentum builds.
8-K
Q3 profit surges on sale, growth
Hippo Holdings posted Q3 net income of $98 million, fueled by a $91 million gain on selling its homebuilder distribution network, while adjusted net income hit $18 million. Gross written premium surged 33% to $311 million, driven by 137% and 123% jumps in Casualty and CMP lines; net loss ratio plunged 25 points to 48%, combined ratio to 100%. Underwriting sharpened. FY25 GWP guidance: $1.09-1.11 billion.
10-Q
Q3 FY2025 results
Hippo Holdings' Q3 10-Q filing for the quarter ended September 30, 2025, provides no financial statements, revenue, profitability, or balance sheet details within the supplied excerpt. Key metrics like y/y or q/q deltas for revenue, EPS, cash flow, and debt are not disclosed in the 10-Q text provided. Non-GAAP metrics not disclosed in the 10-Q. No M&A, debt specifics, or liquidity posture detailed. Competition remains a key risk from Risk Factors.
8-K
Hippo adds two insurance experts
Hippo Holdings expanded its board from nine to ten directors, appointing insurance veterans Laura Hay and Susan Holliday effective October 1, 2025. Hay joins Audit/Risk/Compliance and Nominating/Governance committees; Holliday takes Audit/Risk/Compliance and Compensation seats. New directors bring risk management and growth expertise. Board bolsters governance.
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