Core Viewpoint - Hippo Holdings Inc. (HIPO) has seen an 11% increase in share price over the past four weeks, closing at $28.83, with a potential upside of 26.6% based on Wall Street analysts' mean price target of $36.5 [1] Price Targets and Analyst Consensus - The average price target for HIPO ranges from a low of $26.00 to a high of $41.00, with a standard deviation of $7.05, indicating variability in estimates [2] - The lowest estimate suggests a decline of 9.8%, while the highest indicates a potential upside of 42.2% [2] - A low standard deviation signifies a strong agreement among analysts regarding the stock's price movement [9] Earnings Estimates and Analyst Optimism - Analysts show strong agreement in revising HIPO's earnings estimates higher, which correlates with potential stock price increases [11] - Over the last 30 days, the Zacks Consensus Estimate for the current year has risen by 44.2%, with two estimates moving higher and no negative revisions [12] - HIPO holds a Zacks Rank 1 (Strong Buy), placing it in the top 5% of over 4,000 ranked stocks based on earnings estimates [13] Caution on Price Targets - While price targets are commonly referenced, they can mislead investors, as empirical research indicates they rarely predict actual stock price movements [7][10] - Analysts may set overly optimistic price targets due to business incentives, which can inflate expectations [8]

Hippo (HIPO) Q2 2025 Earnings Call August 06, 2025 08:00 AM ET Speaker0Hello, everyone, and a warm welcome to the Hippo Q2 twenty twenty five Earnings Call. My name is Emily, and I'll be coordinating your call today. I would now like to turn the call over to Mark Olson, Director of Corporate Communications to begin. Please go ahead.Speaker1Thank you, operator. Good morning and thank you for joining Hippo's twenty twenty five second quarter earnings call. Earlier today, Hippo issued a shareholder letter anno ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 OR o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ______ to ______. Commission file number 001-39711 HIPPO HOLDINGS INC. (Exact name of registrant as specified in its charter) One Almaden Blvd., Suite 400 San ...

hippo E 02 2025 LETTER TO SHAREHOLDERS hippo KEY HIGHLIGHTS FROM 02 Top-Line Momentum and New Program Launches A Step-Change in Net Loss Ratio Continued Operating Leverage Improvement Significant Gain in Profitability Metrics Financial Strength Gross Written Premium Q2'23 Q2'24 Q2'25 YoY $117M $90M Revenue $48M YOY Q2'23 Q2'24 Q2'25 343% Consolidated Net Loss Ratio -46nn 94% 47% YoY Q2'23 Q2'24 Q2'25 $1M Net Income (Loss)1 -$41M YoY -$108M Q2'23 Q2'24 Q2'25 $17M Adjusted Net Income (Loss) -$20M YoY -$83M Q2 ...

SAN JOSE, Calif., July 15, 2025 /PRNewswire/ -- Hippo (NYSE: HIPO), the insurance group focused on proactive protection, today announced the company's second quarter financial results will be released before market open on Wednesday, August 6, 2025. The company will host a conference call and live webcast for analysts and investors at 8:00am ET/5:00am PT on that day. A shareholder letter with the financial results will be accessible from the investor relations section of the company's website prior to the c ...

Financial Performance & Targets - Hippo exceeded its aggressive financial goals since the last investor day in 2022[17] - The company is targeting Gross Written Premium of over $2 billion by 2028[50], representing a Compound Annual Growth Rate (CAGR) of 25-28% from 2025[189] - Hippo aims to achieve Adjusted Net Income exceeding $125 million by 2028[50] - The company projects an Adjusted Return on Equity of 18%+ by 2028[50] - For Q2-Q4 2025 annualized, Hippo expects an Adjusted Net Income of $28-$32 million and an Adjusted Return on Equity of 8-9%[185] Spinnaker Platform Performance - Spinnaker platform achieved a Gross Written Premium of $618 million in FY2024[57] - The platform reported a Net Loss Ratio of 39% in FY2024[57] - Spinnaker platform delivered a 25% Return on Capital in FY2024, a significant increase from 12% in FY2022[57, 59] Hippo Home Insurance Program (HHIP) - Hippo Home Insurance is rapidly increasing net earned premiums while reducing loss ratio and driving profitability[27] - Hippo Home Insurance achieved an underwriting profit before overhead of negative $81 million in 2022, which improved to negative $7 million in 2024[28] - The HHIP Gross Loss Ratio excluding PAY Reserve Release improved from 73% in 2022 to 56% in 2024[28] - HHIP Net Earned Premium as a percentage of Gross Earned Premium increased from 6% in 2022 to 69% in 2024[28]

Summary of Hippo (HIPO) 2025 Investor Day Company Overview - **Company**: Hippo Holdings Group - **Event**: 2025 Investor Day held on June 12, 2025 - **Key Speakers**: Andrea Collins (CMO), Rick McAthron (CEO), Stuart Ellis (Chief Strategy Officer), Torben Ostergard (CEO of Spinnaker), Guy Zeltzer (CFO), Jesse Wilmot (CFO and COO of Spinnaker) Core Industry Insights - **Industry**: Insurance, specifically focusing on home insurance and hybrid fronting platforms - **Market Position**: Hippo is positioned as a tech-enabled insurance platform with a focus on underwriting and risk management Key Financial Highlights - **Previous Targets**: In 2022, Hippo set aggressive targets to achieve cash flow positivity and increase top-line revenue by over 3.5 times by the end of 2024 - **Current Performance**: Surpassed previous financial targets, with revenue guidance raised from $420-$450 million to $465-$475 million for the current fiscal year [12][13] - **Adjusted EBITDA Improvement**: Transitioned from a loss of $55 million in Q3 2022 to a positive adjusted EBITDA of $9 million, driven by improvements in underwriting profit and operational efficiency [11][14] Strategic Initiatives - **Business Transformation**: Shifted from a monoline homeowners company to an integrated platform with diversified lines of business, including casualty and new construction [30] - **Hybrid Fronting Platform**: Spinnaker is highlighted as a leading hybrid fronting platform, with a focus on geographic and product line diversification to reduce earnings volatility [33][34] - **Partnership with Baldwin Group**: The partnership is expected to triple access to builders and enhance the Hippo Home Insurance program, focusing on builder-sourced business [46][47] Risk Management and Underwriting - **Underwriting Improvements**: Achieved a cumulative rate increase of 82% through 173 new rate filings, significantly lowering the loss ratios from 34% to 19% for catastrophic risks and from 73% to 56% for non-catastrophic risks [18][22] - **Risk Management Strategy**: Emphasizes a disciplined approach to underwriting, focusing on positive expected loss ratios and utilizing data analytics for decision-making [39][90] Technology and Operational Efficiency - **Technology Investments**: Significant investments in technology to automate onboarding processes and improve operational efficiency, enhancing the ability to manage risk and underwriting [95][96] - **Operational Excellence**: A dedicated team focuses on streamlining workflows and processes to ensure scalability and favorable results [42][92] Future Outlook - **Financial Targets for 2028**: Aiming for $2 billion in gross written premium, over $125 million in adjusted net income, and more than 18% return on equity [45] - **Market Growth**: The MGA market is projected to grow, with Hippo well-positioned to capitalize on this growth through its hybrid fronting model [72] Additional Insights - **New Construction Focus**: Emphasizing the importance of new construction in underwriting, as it generally presents lower risk compared to older homes [63][64] - **Value Chain Benefits**: The partnership with Baldwin is expected to create a more frictionless experience for builders and customers, enhancing overall outcomes [68] This summary encapsulates the key points discussed during Hippo's 2025 Investor Day, highlighting the company's strategic direction, financial performance, and market positioning within the insurance industry.

Introduces 2028 financial targets of gross written premium greater than $2 billion, adjusted net income greater than $125 million, and adjusted ROE greater than 18% Announces a strategic partnership with The Baldwin Group's subsidiary, Westwood Insurance Agency to significantly expand the reach of Hippo's New Homes business Details strategic framework designed to deliver attractive returns through a diversified portfolio of risk anchored in core home offeringSAN JOSE, Calif., June 12, 2025 /PRNewswire/ -- ...

Hippo (HIPO) Q1 2025 Earnings Call May 07, 2025 05:00 PM ET Company Participants Mark Olson - Director of Corporate CommunicationsRichard McCathron - President, CEO & DirectorGuy Zeltser - CFOAndrew Andersen - Equity Research Vice President Conference Call Participants None - Analyst Operator Good afternoon. Thank you for attending the Hippo First Quarter twenty twenty five Holdings Call. My name is Cameron, and I'll be your moderator for today. All lines will be muted during the presentation portion of the ...

Hippo (HIPO) Q1 2025 Earnings Call May 07, 2025 05:00 PM ET Speaker0 Good afternoon. Thank you for attending the Hippo First Quarter twenty twenty five Holdings Call. My name is Cameron, and I'll be your moderator for today. All lines will be muted during the presentation portion of the call with an opportunity for questions and answers at the end. And I would now like to pass the conference over to your host, Mark Olson, Director of Communications. You may proceed. Speaker1 Thank you, operator. Good aftern ...