What is Hippo Hldgs Inc's earnings per share (EPS)?

Hippo Hldgs Inc (HIPO) reported diluted earnings per share of $2.22 for fiscal year 2025. This represents a 235.4% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Hippo Hldgs Inc Financials

HIPO

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Hippo Hldgs Inc (HIPO) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 6 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 45/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Hippo Hldgs Inc's revenue surged 25.9% year-over-year to $468.6M, reflecting rapid business expansion. This strong growth earns a score of 77/100.

Leverage

Hippo Hldgs Inc has a moderate D/E ratio of 3.37. This balance of debt and equity financing earns a leverage score of 33/100.

Cash Flow

Hippo Hldgs Inc has a free cash flow margin of 1.9%, earning a moderate score of 30/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns

Hippo Hldgs Inc's ROE of 13.2% shows moderate profitability relative to equity, earning a score of 41/100. This is up from -11.2% the prior year.

Piotroski F-Score Neutral

4/9

Hippo Hldgs Inc passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Low Quality

0.16x

For every $1 of reported earnings, Hippo Hldgs Inc generates $0.16 in operating cash flow ($9.2M OCF vs $57.7M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.

Key Financial Metrics

Export CSV

Earnings & Revenue

Revenue

$468.6M

YoY+25.9%

5Y CAGR+55.5%

Hippo Hldgs Inc generated $468.6M in revenue in fiscal year 2025. This represents an increase of 25.9% from the prior year.

EBITDA

N/A

Net Income

$57.7M

YoY+242.5%

Hippo Hldgs Inc reported $57.7M in net income in fiscal year 2025. This represents an increase of 242.5% from the prior year.

EPS (Diluted)

$2.22

YoY+235.4%

Hippo Hldgs Inc earned $2.22 per diluted share (EPS) in fiscal year 2025. This represents an increase of 235.4% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$9.1M

YoY-80.7%

Hippo Hldgs Inc generated $9.1M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 80.7% from the prior year.

Cash & Debt

$218.3M

YoY+10.5%

5Y CAGR-13.6%

Hippo Hldgs Inc held $218.3M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

26M

YoY+3.3%

Hippo Hldgs Inc had 26M shares outstanding in fiscal year 2025. This represents an increase of 3.3% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

12.3%

YoY+23.2pp

5Y CAGR+286.5pp

Hippo Hldgs Inc's net profit margin was 12.3% in fiscal year 2025, showing the share of revenue converted to profit. This is up 23.2 percentage points from the prior year.

Return on Equity

13.2%

YoY+24.4pp

Hippo Hldgs Inc's ROE was 13.2% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 24.4 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$14.5M

YoY-7.1%

Hippo Hldgs Inc spent $14.5M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 7.1% from the prior year.

Capital Expenditures

$100K

YoY-66.7%

5Y CAGR-24.2%

Hippo Hldgs Inc invested $100K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 66.7% from the prior year.

HIPO Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$468.6M+25.9%	$372.1M+77.4%	$209.7M+75.2%	$119.7M+31.3%	$91.2M+76.7%	$51.6M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$67.1M-5.1%	$70.7M-11.2%	$79.6M+11.3%	$71.5M+45.3%	$49.2M+33.7%	$36.8M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	N/A	N/A	N/A	N/A	N/A	N/A
Income Tax	$700K-41.7%	$1.2M+140.0%	$500K-61.5%	$1.3M+85.7%	$700K+138.9%	-$1.8M
Net Income	$57.7M+242.5%	-$40.5M+85.2%	-$273.1M+18.1%	-$333.4M+10.2%	-$371.4M-162.5%	-$141.5M
EPS (Diluted)	$2.22+235.4%	$-1.64+85.8%	$-11.58+21.0%	$-14.66+57.0%	$-34.11	$-1.63

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$120.4M-0.2%	$120.6M+2.8%	$117.3M+6.3%	$110.3M+8.2%	$101.9M+6.7%	$95.5M+6.6%	$89.6M+5.3%	$85.1M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$16.7M+1.2%	$16.5M-5.2%	$17.4M+5.5%	$16.5M-4.1%	$17.2M+12.4%	$15.3M-23.1%	$19.9M+8.7%	$18.3M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	N/A	N/A	$400K	N/A	N/A	N/A	N/A	N/A
Income Tax	$800K	$0-100.0%	$100K+150.0%	-$200K-166.7%	$300K	$0-100.0%	$700K+250.0%	$200K
Net Income	$6.0M-93.9%	$98.1M+7446.2%	$1.3M+102.7%	-$47.7M-207.9%	$44.2M+620.0%	-$8.5M+79.0%	-$40.5M-13.4%	-$35.7M
EPS (Diluted)	N/A	$3.77+7440.0%	$0.05+102.6%	$-1.91	N/A	$-0.34+79.3%	$-1.64-11.6%	$-1.47

HIPO Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$1.9B+23.5%	$1.5B+1.2%	$1.5B-2.8%	$1.6B-4.5%	$1.6B+67.7%	$979.4M
Current Assets	N/A	N/A	N/A	N/A	N/A	$1.7M
Cash & Equivalents	$218.3M+10.5%	$197.6M+39.1%	$142.1M-26.9%	$194.5M-74.9%	$775.6M+71.5%	$452.3M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$250.1M+49.8%	$167.0M+15.0%	$145.2M+35.4%	$107.2M+89.7%	$56.5M+52.3%	$37.1M
Goodwill	N/A	$0	$0	$0-100.0%	$53.5M+11.9%	$47.8M
Total Liabilities	$1.5B+24.7%	$1.2B+3.4%	$1.1B+16.9%	$975.4M+24.9%	$781.0M-33.8%	$1.2B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	$151K
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$436.1M+20.4%	$362.1M-4.2%	$377.9M-35.9%	$589.9M-31.4%	$859.6M+530.7%	-$199.6M
Retained Earnings	-$1.2B+4.5%	-$1.3B-3.3%	-$1.2B-28.4%	-$961.1M-53.0%	-$628.0M-144.7%	-$256.6M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$1.9B+1.7%	$1.9B+9.8%	$1.7B+10.8%	$1.5B-0.2%	$1.5B-0.1%	$1.5B+2.3%	$1.5B+0.9%	$1.5B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$218.3M-11.9%	$247.7M+24.5%	$198.9M+41.2%	$140.9M-28.7%	$197.6M+3.3%	$191.2M+8.7%	$175.9M-21.3%	$223.4M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$250.1M+5.7%	$236.7M+4.2%	$227.1M+31.4%	$172.8M+3.5%	$167.0M+5.8%	$157.8M-5.7%	$167.4M+8.8%	$153.8M
Goodwill	N/A	N/A	N/A	N/A	$0	N/A	N/A	N/A
Total Liabilities	$1.5B+1.2%	$1.5B+5.8%	$1.4B+13.0%	$1.2B+3.1%	$1.2B-3.1%	$1.2B+2.7%	$1.2B+3.7%	$1.1B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$436.1M+3.5%	$421.5M+26.8%	$332.5M+3.0%	$322.8M-10.9%	$362.1M+10.9%	$326.4M+1.2%	$322.6M-8.1%	$351.2M
Retained Earnings	-$1.2B+0.5%	-$1.2B+7.4%	-$1.3B+0.1%	-$1.3B-3.7%	-$1.3B+3.4%	-$1.3B-0.7%	-$1.3B-3.2%	-$1.3B

HIPO Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$9.2M-80.6%	$47.5M+151.4%	-$92.4M+42.8%	-$161.5M-29.7%	-$124.5M-90.4%	-$65.4M
Capital Expenditures	$100K-66.7%	$300K-99.0%	$29.6M+504.1%	$4.9M+512.5%	$800K+100.0%	$400K
Free Cash Flow	$9.1M-80.7%	$47.2M+138.7%	-$122.0M+26.7%	-$166.4M-32.8%	-$125.3M-90.4%	-$65.8M
Investing Cash Flow	-$11.2M-137.0%	$30.3M-47.4%	$57.6M+114.2%	-$405.9M-1253.0%	-$30.0M-1204.3%	-$2.3M
Financing Cash Flow	$19.3M+148.1%	-$40.1M-174.7%	-$14.6M-114.7%	-$6.8M-101.4%	$480.8M-7.2%	$518.1M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$14.5M-7.1%	$15.6M+766.7%	$1.8M	$0	N/A	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$3.2M-81.1%	$16.9M-31.6%	$24.7M+169.4%	-$35.6M-456.3%	-$6.4M-113.7%	$46.8M+541.5%	-$10.6M-159.9%	$17.7M
Capital Expenditures	$0-100.0%	$100K+200.0%	-$100K-200.0%	$100K0.0%	$100K	$0-100.0%	$100K0.0%	$100K
Free Cash Flow	$3.2M-81.0%	$16.8M-31.7%	$24.6M+168.9%	-$35.7M-449.2%	-$6.5M-113.9%	$46.8M+537.4%	-$10.7M-160.8%	$17.6M
Investing Cash Flow	-$25.7M-154.2%	$47.4M+316.4%	-$21.9M-99.1%	-$11.0M-139.6%	$27.8M+199.6%	-$27.9M+0.7%	-$28.1M-148.0%	$58.5M
Financing Cash Flow	$400K+102.2%	-$17.9M-141.8%	$42.8M+813.3%	-$6.0M+69.2%	-$19.5M-137.8%	-$8.2M-86.4%	-$4.4M+45.0%	-$8.0M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$0	N/A	N/A	N/A	$15.6M	$0	$0	$0

HIPO Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	12.3%+23.2pp	-10.9%+119.3pp	-130.2%+148.3pp	-278.5%+128.7pp	-407.2%-133.0pp	-274.2%
Return on Equity	13.2%+24.4pp	-11.2%+61.1pp	-72.3%-15.7pp	-56.5%-13.3pp	-43.2%	N/A
Return on Assets	3.0%+5.7pp	-2.6%+15.3pp	-17.9%+3.3pp	-21.3%+1.4pp	-22.6%-8.2pp	-14.4%
Current Ratio	N/A	N/A	N/A	N/A	N/A	11.22
Debt-to-Equity	3.37+0.1	3.25+0.2	3.02+1.4	1.65+0.7	0.91+6.8	-5.91
FCF Margin	1.9%-10.7pp	12.7%+70.9pp	-58.2%+80.8pp	-139.0%-1.6pp	-137.4%-9.9pp	-127.5%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	5.0%-76.4pp	81.3%+80.2pp	1.1%+44.4pp	-43.3%-86.6pp	43.4%+52.3pp	-8.9%+36.3pp	-45.2%-3.3pp	-41.9%
Return on Equity	1.4%-21.9pp	23.3%+22.9pp	0.4%+15.2pp	-14.8%-27.0pp	12.2%+14.8pp	-2.6%+10.0pp	-12.6%-2.4pp	-10.2%
Return on Assets	0.3%-4.9pp	5.2%+5.2pp	0.1%+3.2pp	-3.1%-6.0pp	2.9%+3.4pp	-0.5%+2.1pp	-2.7%-0.3pp	-2.4%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	3.37-0.1	3.45-0.7	4.13+0.4	3.76+0.5	3.25-0.5	3.72+0.1	3.67+0.4	3.25
FCF Margin	2.7%-11.3pp	13.9%-7.0pp	21.0%+53.3pp	-32.4%-26.0pp	-6.4%-55.4pp	49.0%+60.9pp	-11.9%-32.6pp	20.7%

Similar Companies

BOWHEAD SPECIALTY HLDGS INC BOW

$729.4M

United Fire Group Inc UFCS

$950.2M

Safety Ins Group Inc SAFT

$1.1B

Universal Ins Hldgs Inc UVE

$956.8M

Proassurance Cp PRA

$1.3B

Frequently Asked Questions

What is Hippo Hldgs Inc's annual revenue?

Hippo Hldgs Inc (HIPO) reported $468.6M in total revenue for fiscal year 2025. This represents a 25.9% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Hippo Hldgs Inc's revenue growing?

Hippo Hldgs Inc (HIPO) revenue grew by 25.9% year-over-year, from $372.1M to $468.6M in fiscal year 2025.

Is Hippo Hldgs Inc profitable?

Yes, Hippo Hldgs Inc (HIPO) reported a net income of $57.7M in fiscal year 2025, with a net profit margin of 12.3%.

What is Hippo Hldgs Inc's net profit margin?

Hippo Hldgs Inc (HIPO) had a net profit margin of 12.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Hippo Hldgs Inc's return on equity (ROE)?

Hippo Hldgs Inc (HIPO) has a return on equity of 13.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Hippo Hldgs Inc's free cash flow?

Hippo Hldgs Inc (HIPO) generated $9.1M in free cash flow during fiscal year 2025. This represents a -80.7% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Hippo Hldgs Inc's operating cash flow?

Hippo Hldgs Inc (HIPO) generated $9.2M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Hippo Hldgs Inc's total assets?

Hippo Hldgs Inc (HIPO) had $1.9B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Hippo Hldgs Inc's capital expenditures?

Hippo Hldgs Inc (HIPO) invested $100K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Hippo Hldgs Inc buy back shares?

Yes, Hippo Hldgs Inc (HIPO) spent $14.5M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Hippo Hldgs Inc have outstanding?

Hippo Hldgs Inc (HIPO) had 26M shares outstanding as of fiscal year 2025.

What is Hippo Hldgs Inc's debt-to-equity ratio?

Hippo Hldgs Inc (HIPO) had a debt-to-equity ratio of 3.37 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Hippo Hldgs Inc's return on assets (ROA)?

Hippo Hldgs Inc (HIPO) had a return on assets of 3.0% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Hippo Hldgs Inc's Piotroski F-Score?

Hippo Hldgs Inc (HIPO) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Hippo Hldgs Inc's earnings high quality?

Hippo Hldgs Inc (HIPO) has an earnings quality ratio of 0.16x, considered low quality (accrual-driven). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Hippo Hldgs Inc?

Hippo Hldgs Inc (HIPO) scores 45 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.