Hippo Holdings, Inc. (HIPO)

NYSEFinancialsInsurance - Property & CasualtySnapshot 2026-10-23

$38.44-0.36%

Close 2026-10-23 · 1-day change

Investment OutlookAs of Oct 24, 2026

What could strengthen or challenge Hippo Holdings, Inc.’s outlook?

The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.

Higher potential upsideImproving expectations

Next-FY EPS estimate change · 30 days

Comparable estimates unavailable

+10% or more+5%0%−5%−10% or less

A matching fiscal period and sufficient coverage are required.

Higher risk of downsideWeakening expectations

One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.

How this is measured

The calculation requires same-period, same-provider snapshots, positive EPS, at least five analysts and a baseline within three days of the requested lookback.

Measure / period	Management expectations	Analyst expectations
Quarter ending 2026-12-30
Revenue	—	163.67M
EPS	—	0.335
Annual ending 2026-12-31
Revenue	—	583.9M
EPS	—	1.048
Annual ending 2027-12-31
Revenue	—	769.22M
EPS	—	1.718

Management figures unavailable.

What the Thesis Depends On

Three published thesis conditions, with dated milestones shown separately.

Key Factor	Why It Matters	Current Status	Break Condition	Latest Evidence
Net income improves to about $50 million positive in 2026	Operating income turned positive, reaching $7.2 million in Q1 2026.	Improving	Net income falls below zero in FY26	Net income: $10.1M FY2026-Q2; GAAP. Published target: ~$50 million. Target period is not explicitly aligned with this observation. Source published Jul 29, 202610,100,000 USD · source valueSource reportLast status assessment Oct 24, 2026 Measurement source consolidated · GAAP FY2026-Q2 · Period ending Jun 30, 2026 Source: company_financial_results. Reference: c17095de-8320-4abf-8b6d-645bc1117112. Source status: eligible. Compare required operating outcomes Compare scope, accounting basis and period before treating this evidence as progress against an annual requirement. Management context Stated as a priority in 3 of last 3 quarters. Net income improved from $7.1 million in 2026-Q1 to $10.1 million in 2026-Q2. Adjusted net income guidance increased from $48 - $56 million to $62 - $70 million for full year 2026. The trajectory is delivering with positive net income growth and raised adjusted net income expectations. Delivery assessment Oct 24, 2026
Operating income turns positive, reaching about $7.2 million in Q1 2026	Operating income turned positive, reaching $7.2 million in Q1 2026.	Intact	Operating income falls below zero in Q1 2026	Operating income: $11M FY2026-Q2; GAAP. Published target: >= $7.2 million. The stored target says 2026-Q1; this source reports FY2026-Q2. Fiscal/calendar alignment needs review. Source published Jul 30, 202611,000,000 USD · source valueSource reportLast status assessment Oct 24, 2026 Measurement source consolidated · GAAP FY2026-Q2 · Period ending Jun 30, 2026 Source: stock_quarterly_financials_fmp. Reference: 2026-Q2. Source status: unverified. Compare required operating outcomes Compare scope, accounting basis and period before treating this evidence as progress against an annual requirement. Management context Stated as a priority in 3 of last 3 quarters. Operating income improved slightly from $6.8 million in 2025-Q4 to $7.2 million in 2026-Q1 and remained stable at $7.2 million in 2026-Q2. Combined ratio guidance improved from 103%-105% to 99%-101% in 2026, reflecting better underwriting and expense management. The trajectory shows delivering progress on operating income enhancement. Delivery assessment Oct 24, 2026
Hippo's revenue reaches about $565 million in 2026	Hippo raised revenue guidance to about $565 million for 2026.	Intact	Revenue falls below $460 million in FY26	Revenue: $144.7M FY2026-Q2; GAAP. Published target: ~$565 million. Target period is not explicitly aligned with this observation. Source published Jul 29, 2026144,700,000 USD · source valueSource reportLast status assessment Oct 24, 2026 Measurement source consolidated · GAAP FY2026-Q2 · Period ending Jun 30, 2026 Source: company_financial_results. Reference: c17095de-8320-4abf-8b6d-645bc1117112. Source status: eligible. Compare required operating outcomes Compare scope, accounting basis and period before treating this evidence as progress against an annual requirement. Management context Stated as a priority in 3 of last 3 quarters. Revenue guidance for full year 2026 increased from $560 - $570 million in 2026-Q1 to $580 - $585 million in 2026-Q2. Actual revenue grew from $121.5 million in 2026-Q1 to $144.7 million in 2026-Q2, supporting the raised guidance. The trajectory matches management's stated confidence and delivery on revenue growth. Delivery assessment Oct 24, 2026

Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.

Incoming Evidence

Compare these dated observations with the operating requirements above

Expectations trend

Same fiscal period

FY2027 · fiscal year ending 2027-12-31 · fmp

FY2027 EPS: comparable history unavailable.

FY2027 revenueUnavailable

Unavailable → Unavailable · observed estimates

Exact estimates & source dates

One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.

FY2027 estimate observations · fmp
Snapshot	EPS	Revenue	EPS / revenue analysts
2026-07-24	Unavailable	Unavailable	3 / 4
2026-07-25	Unavailable	Unavailable	3 / 4
2026-07-26	Unavailable	$768,160,000	3 / 5
2026-07-27	Unavailable	Unavailable	3 / 4
2026-07-28	Unavailable	$768,160,000	3 / 5
2026-07-29	Unavailable	$768,160,000	3 / 5
2026-07-30	Unavailable	$768,160,000	3 / 5
2026-07-31	Unavailable	$768,160,000	3 / 5
2026-08-01	Unavailable	Unavailable	3 / 4
2026-08-02	Unavailable	$764,080,000	4 / 5
2026-08-03	Unavailable	Unavailable	3 / 4
2026-08-04	Unavailable	Unavailable	3 / 4
2026-08-05	Unavailable	$767,140,000	4 / 5
2026-08-06	Unavailable	$767,140,000	4 / 5
2026-08-07	Unavailable	Unavailable	3 / 4
2026-08-08	Unavailable	$775,040,000	4 / 5
2026-08-09	Unavailable	$775,040,000	4 / 5
2026-08-10	Unavailable	$775,040,000	4 / 5
2026-08-12	Unavailable	Unavailable	3 / 4
2026-08-13	Unavailable	$775,040,000	4 / 5
2026-08-14	Unavailable	Unavailable	3 / 4
2026-08-15	Unavailable	Unavailable	3 / 4
2026-08-16	Unavailable	Unavailable	3 / 4
2026-08-17	Unavailable	Unavailable	3 / 4
2026-08-18	Unavailable	Unavailable	3 / 4
2026-08-19	Unavailable	Unavailable	3 / 4
2026-08-20	Unavailable	Unavailable	3 / 4
2026-08-21	Unavailable	Unavailable	3 / 4
2026-08-22	Unavailable	Unavailable	3 / 4
2026-08-23	Unavailable	Unavailable	3 / 4
2026-08-24	Unavailable	Unavailable	3 / 4
2026-08-25	Unavailable	Unavailable	3 / 4
2026-08-26	Unavailable	Unavailable	3 / 4
2026-08-27	Unavailable	Unavailable	3 / 4
2026-08-28	Unavailable	Unavailable	3 / 4
2026-08-29	Unavailable	Unavailable	3 / 4
2026-08-30	Unavailable	Unavailable	3 / 4
2026-08-31	Unavailable	Unavailable	3 / 4
2026-09-01	Unavailable	Unavailable	3 / 4
2026-09-02	Unavailable	Unavailable	3 / 4
2026-09-03	Unavailable	Unavailable	3 / 4
2026-09-04	Unavailable	Unavailable	3 / 4
2026-09-05	Unavailable	Unavailable	3 / 4
2026-09-06	Unavailable	Unavailable	3 / 4
2026-09-07	Unavailable	Unavailable	3 / 4
2026-09-08	Unavailable	Unavailable	3 / 4
2026-09-09	Unavailable	Unavailable	3 / 4
2026-09-10	Unavailable	Unavailable	3 / 4
2026-09-11	Unavailable	Unavailable	3 / 4
2026-09-12	Unavailable	Unavailable	3 / 4
2026-09-13	Unavailable	Unavailable	3 / 4
2026-09-14	Unavailable	Unavailable	3 / 4
2026-09-15	Unavailable	Unavailable	3 / 4
2026-09-16	Unavailable	Unavailable	3 / 4
2026-09-17	Unavailable	Unavailable	3 / 4
2026-09-18	Unavailable	Unavailable	3 / 4
2026-09-19	Unavailable	Unavailable	3 / 4
2026-09-20	Unavailable	Unavailable	3 / 4
2026-09-21	Unavailable	Unavailable	3 / 4
2026-09-22	Unavailable	Unavailable	3 / 4
2026-09-23	Unavailable	Unavailable	3 / 4
2026-09-24	Unavailable	Unavailable	3 / 4
2026-09-25	Unavailable	Unavailable	3 / 4
2026-09-26	Unavailable	Unavailable	3 / 4
2026-09-27	Unavailable	Unavailable	3 / 4
2026-09-28	Unavailable	Unavailable	3 / 4
2026-09-29	Unavailable	Unavailable	3 / 4
2026-09-30	Unavailable	Unavailable	3 / 4
2026-10-01	Unavailable	Unavailable	3 / 4
2026-10-02	Unavailable	Unavailable	3 / 4
2026-10-03	Unavailable	Unavailable	3 / 4
2026-10-04	Unavailable	Unavailable	3 / 4
2026-10-05	Unavailable	Unavailable	3 / 4
2026-10-06	Unavailable	Unavailable	3 / 4
2026-10-07	Unavailable	Unavailable	3 / 4
2026-10-08	Unavailable	Unavailable	3 / 4
2026-10-09	Unavailable	Unavailable	3 / 4
2026-10-10	Unavailable	Unavailable	3 / 4
2026-10-11	Unavailable	Unavailable	3 / 4
2026-10-12	Unavailable	Unavailable	3 / 4
2026-10-13	Unavailable	Unavailable	3 / 4
2026-10-14	Unavailable	Unavailable	3 / 3
2026-10-15	Unavailable	Unavailable	3 / 3
2026-10-16	Unavailable	Unavailable	3 / 3
2026-10-17	Unavailable	Unavailable	3 / 3
2026-10-18	Unavailable	Unavailable	3 / 3
2026-10-19	Unavailable	Unavailable	3 / 3
2026-10-20	Unavailable	Unavailable	3 / 3
2026-10-21	Unavailable	Unavailable	3 / 3
2026-10-22	Unavailable	Unavailable	3 / 3
2026-10-23	Unavailable	Unavailable	3 / 3
2026-10-24	Unavailable	Unavailable	3 / 3

Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.

Compare required revenue and earnings

Analyst view

Monthly observations

Buy / Strong BuyHoldSell / Strong Sell

Exact monthly counts

Monthly rating snapshots · fmp. Missing snapshots are not zero.
Date	Buy*	Hold
2026-05-01	3	2
2026-06-01	3	2
2026-07-01	3	2
2026-08-01	3	2
2026-09-01	3	2
2026-10-01	3	2

*Buy includes Strong Buy; Sell includes Strong Sell. Monthly counts describe the analyst mix, not the firms behind each recent action.

Latest: 3 Buy / Strong Buy · 2 Hold · 0 Sell / Strong Sell

0 upgrades0 downgrades0 maintains

Recent actions · Sep 25–Oct 24 · 0 recorded

Price-target changes

30 days

Individual price-target observations are unavailable.

0 raises · 0 cuts · 0 unchanged · 0 without a comparable prior

How this is measured

Sep 25, 2026–Oct 24, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.

Outlook in Brief

The evidence, the remaining questions, and what comes next

What's improving

No recovery evidence is reported in the available driver assessments.

Still unresolved / key risks

Net income improves to about $50 million positive in 2026Net income: $10.1M
Operating income turns positive, reaching about $7.2 million in Q1 2026Operating income: $11M
Hippo's revenue reaches about $565 million in 2026Revenue: $144.7M

Next proof point

Oct 29, 2026

Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.

Review earnings

Bottom line

3 of 3 published conditions remain under pressure or need verification. The next results need to address those conditions.

The dated weekly assessment and its assumptions are available in Read detailed Outlook.

Historical risk context

Observed price history; separate from operating scenarios

Price sensitivity

1.2%Typical daily move · historical

Downside history

-36.4%Maximum drawdown · trailing year

Read detailed Outlook Company context, assumptions & risks

Hippo Holdings, Inc. outlook in detail

The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.

Updated Oct 24, 2026

What kind of bet this is

This is a growth and profitability-improvement story, not yet a durable compounder, since earnings quality is still classified as loss-making. The long-term thesis is on watch: management has raised 2026 guidance, but recent financial performance remains weak relative to its industry cohort.

What's priced into Hippo Holdings, Inc.

The valuation signal is cheap, though HIPO still carries an 18% premium versus peers. Expectations appear broadly aligned with the model, with a small negative expectations gap; the priced-in assessment is justified and fragility is low.

What the fundamentals likely do

Near term, recent results show progress: quarterly revenue and net income improved, and management raised full-year revenue and adjusted net income guidance. Operating income has been mostly flat, while combined ratio guidance improved; execution remains important because earnings have been erratic despite recent positive earnings reports.

What Hippo Holdings, Inc. hinges on

The multi-year thesis depends on HIPO sustaining raised guidance and translating revenue growth into stronger operating performance. A guidance cut after the recent increase would damage management credibility, while lower interest rates could weigh on the sector; continued earnings strength from major insurers could support sector momentum.