Hippo Hldgs Inc Financials
Hippo Hldgs Inc (HIPO) reported $468.6M in revenue for fiscal year 2025, up 25.9% from the prior fiscal year. This page shows its 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).
Receivable-heavy growth and tight overhead control reshaped Hippo from deep losses into only lightly cash-generative profitability.
The most important shift is that FY2025’s positive net income of$62.6M came with only$9.2M of operating cash flow, a weaker cash outcome than the prior year despite better accounting profit. That gap lines up with accounts receivable rising to$250.1M from$167.0M , implying more of the year’s growth was booked before cash was collected.
From FY2023 to FY2025, revenue scale expanded to
The balance-sheet posture remains liability-heavy, with
Financial Health Signals
Scored against insurers for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Hippo Hldgs Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Not available for Hippo Hldgs Inc, and counted as zero in the overall score.
Not available for Hippo Hldgs Inc, and counted as zero in the overall score.
Hippo Hldgs Inc passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.
For every $1 of reported earnings, Hippo Hldgs Inc generates $0.15 in operating cash flow ($9.2M OCF vs $62.6M 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
Earnings & Revenue
Hippo Hldgs Inc generated $468.6M in revenue in fiscal year 2025. This represents an increase of 25.9% from the prior year.
Hippo Hldgs Inc reported $62.6M in net income in fiscal year 2025. This represents an increase of 318.9% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
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.
Hippo Hldgs Inc held $218.3M in cash as of fiscal year 2025; long-term debt is not reported for that period.
Not reported for fiscal year 2025.
Margins & Returns
Hippo Hldgs Inc's net profit margin was 13.4% in fiscal year 2025, showing the share of revenue converted to profit. This is up 21.1 percentage points from the prior year.
Hippo Hldgs Inc's ROE was 14.3% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 22.2 percentage points from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
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.
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.
Not reported for fiscal year 2025.
HIPO Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 |
|---|---|---|---|---|---|---|---|
| Revenue | $507.2M | $468.6M+25.9% | $372.1M+77.4% | $209.7M+75.2% | $119.7M+31.3% | $91.2M+76.7% | $51.6M |
| SG&A Expenses | $67.6M | $67.1M-5.1% | $70.7M-11.2% | $79.6M+11.3% | $71.5M+45.3% | $49.2M+33.7% | $36.8M |
| Income Tax | $1.8M | $700K-41.7% | $1.2M+140.0% | $500K-61.5% | $1.3M+85.7% | $700K+138.9% | -$1.8M |
| Net Income | $126.2M | $62.6M+318.9% | -$28.6M+89.1% | -$263.0M+21.1% | -$333.4M+10.2% | -$371.4M-162.5% | -$141.5M |
| EPS (Diluted) | — | $2.22 | -$1.64+85.8% | -$11.58+21.0% | -$14.66 | -$34.11 | -$1.63 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, Interest Expense.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
HIPO Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| 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 |
| 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 |
| 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 |
Not reported in any period shown, so not listed: Inventory, Long-Term Debt.
HIPO Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 |
|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $71.7M | $9.2M-80.6% | $47.5M+151.4% | -$92.4M+42.8% | -$161.5M-29.7% | -$124.5M-90.4% | -$65.4M |
| Capital Expenditures | $300K | $100K-66.7% | $300K-99.0% | $29.6M+504.1% | $4.9M+512.5% | $800K+100.0% | $400K |
| Free Cash Flow | $71.4M | $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 | -$13.0M | -$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 | -$12.9M | $19.3M+148.1% | -$40.1M-174.7% | -$14.6M-114.7% | -$6.8M-101.4% | $480.8M-7.2% | $518.1M |
| Share Buybacks | N/A | $14.5M-7.1% | $15.6M+766.7% | $1.8M | $0 | N/A | N/A |
Not reported in any period shown, so not listed: Dividends Paid.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
HIPO Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 |
|---|---|---|---|---|---|---|
| Net Margin | 13.4%+21.1pp | -7.7% | -125.4% | -278.5% | -407.2% | -274.2% |
| Return on Equity | 14.3%+22.2pp | -7.9%+61.7pp | -69.6%-13.1pp | -56.5%-13.3pp | -43.2% | N/A |
| Return on Assets | 3.3%+5.1pp | -1.8%+15.4pp | -17.3%+4.0pp | -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+0.1x | 3.25+0.2x | 3.02+1.4x | 1.65+0.7x | 0.91 | N/A |
| FCF Margin | 1.9%-10.7pp | 12.7%+70.9pp | -58.2% | -139.0% | -137.4% | -127.5% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin, FCF Margin.
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Where Hippo Hldgs Inc Ranks
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 $62.6M in fiscal year 2025, with a net profit margin of 13.4%.
What is Hippo Hldgs Inc's net profit margin?
Hippo Hldgs Inc (HIPO) had a net profit margin of 13.4% 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 14.3% 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.
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 3.3% 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 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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 0.15x, 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 32 out of 100 on our Financial Health Score, indicating weak standing within its insurers peer group. The score is a 0-100 composite of six dimensions (Loss Ratio, Premium Growth, Capital, Investment Yield, Combined Ratio, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.