Hippo Hldgs Inc Financials
This page shows Hippo Hldgs Inc (HIPOW) 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).
At HIPOW, revenue scale finally outran overhead, but cash conversion stayed thin even after reported profit turned positive.
Over the last two annual periods, revenue more than doubled to$468.6M while SG&A fell to$67.1M , so the margin swing looks driven mainly by overhead absorption as fixed costs were spread across a much larger base. The latest year turned$57.7M of net income into only$9.2M of operating cash flow, meaning cash conversion lagged the profit rebound and the income statement improved faster than the cash ledger.
The balance sheet remains liability-heavy: assets of
Free cash flow stayed positive at
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). 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.
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 100/100.
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.
Hippo Hldgs Inc's free cash flow margin of 1.9% results in a low score of 8/100. Capital expenditures of $100K absorb a large share of operating cash flow.
Hippo Hldgs Inc generates a 13.2% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 0/100. This is up from -11.2% the prior year.
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.
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
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 $57.7M in net income in fiscal year 2025. This represents an increase of 242.5% from the prior year.
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
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 against $0 in long-term debt as of fiscal year 2025.
Hippo Hldgs Inc had 26M shares outstanding in fiscal year 2025. This represents an increase of 3.3% from the prior year.
Margins & Returns
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.
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
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.
HIPOW Income Statement
| 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 |
HIPOW Balance Sheet
| 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 |
HIPOW Cash Flow Statement
| 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 |
HIPOW Financial Ratios
| 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% |
Frequently Asked Questions
What is Hippo Hldgs Inc's annual revenue?
Hippo Hldgs Inc (HIPOW) 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 (HIPOW) 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 (HIPOW) 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 (HIPOW) 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 (HIPOW) 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 (HIPOW) 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 (HIPOW) 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 (HIPOW) 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 (HIPOW) 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 (HIPOW) 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 (HIPOW) 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 (HIPOW) 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 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 (HIPOW) 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 (HIPOW) scores 40 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.