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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#3240
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Insurance
$905M
Richard L. McCathron
Hippo Holdings Inc. provides home protection insurance in the United States and the District of Columbia. Its insurance products include homeowners' insurance against risks of fire, wind, and theft. The company distributes insurance products and services through its technology platform.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = HIPO ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$HIPO Hippo Holdings Inc. | 42 | 53 | 65 | 31 | 37.1x | 36.0x | 4.6% | 1.0% | 33.0% | 0.7% | 0.5% | 41.7% | 0.0% | 345.0x | $905M | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
Hippo Holdings Inc. (HIPO) receives a "Reduce" rating with a composite score of 42.2/100. It ranks #3240 out of 7,333 stocks in our coverage universe and carries a 2-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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Lagging peers — losers tend to keep underperforming
Trading at a discount to fundamentals — favorable entry valuation
Average quality profile
High volatility — wider range of outcomes increases timing risk
Aggressive spending — empire-building risk, dilutive growth
Mid-range overall rating
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for HIPO.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 53 | 80 | -27DRAG |
| MOMENTUM | 31 | 25 | +6ALPHA |
| VALUATION | 65 | 89 | -24DRAG |
| INVESTMENT | 28 | 31 | -3NEUTRAL |
| STABILITY | 31 | 23 | +8ALPHA |
| SHORT INT | 21 | 8 | +13ALPHA |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROE proxy 4.6% (sector 9.0%)
GM 33% vs sector 78%, OM 1% vs sector 18%
Capital turnover N/A
Rev growth 42%, 5yr history
Interest coverage N/A, Net debt/EBITDA -2.0x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate Hippo Holdings Inc. (HIPO) as a Reduce with a composite score of 42.2/100 at a current price of $28.89. The quantitative profile shows weakness across multiple dimensions, suggesting limited upside potential.
Hippo Holdings Inc. holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 42.2/100 places it at rank #3240 in our full universe.
No Moat
High
Poor
Undervalued
Value factor score of 65 suggests attractive pricing.
Stable competitive position in a defensive sector.
Elevated P/E ratio of 37.1x leaves little room for execution misses.
Leverage of 345% D/E amplifies downside risk.
Weak momentum suggests persistent institutional selling pressure.
Hippo Holdings Inc. represents a reduce based on multi-factor quantitative performance.
Hippo Holdings Inc. receives a Reduce rating from our analysis, with a composite score of 42.2/100 and 2 out of 5 stars, ranking #3240 out of 7,333 stocks. HIPO's factor profile shows weakness across multiple dimensions, suggesting the stock may underperform going forward. Existing holders may want to consider trimming positions or tightening stop-losses.
With a quality score of 53/100, HIPO shows adequate but unremarkable business quality. The company reports a return on equity of 4.6% (sector avg: 9.0%), gross margins of 33.0% (sector avg: 77.7%), net margins of 0.5% (sector avg: 21.9%). This suggests the company generates acceptable returns but may lack the competitive positioning or operational efficiency to stand out from peers.
HIPO's value score of 65/100 indicates the stock is fairly valued based on its current fundamentals. Key valuation metrics include a P/E ratio of 37.08x, an EV/EBITDA of 35.96x, a P/B ratio of 1.71x. At this level, neither a clear bargain nor overpriced, the stock's attractiveness depends more on forward growth expectations and qualitative factors.
Hippo Holdings Inc.'s investment score of 28/100 suggests limited reinvestment activity. Key growth metrics include revenue growth of 41.7% vs. a sector average of 10.7% and a return on assets of 1.0% (sector: 1.3%). While this can be positive for mature, cash-generative businesses returning capital to shareholders, it may also signal a lack of growth opportunities or management conservatism.
HIPO is currently showing below-average momentum at 31/100, which may indicate weakening institutional interest or negative sentiment shifts. Revenue growth stands at 41.7% year-over-year, while a beta of 1.04 reflects its sensitivity to broader market moves. Investors should note that declining momentum can precede further price weakness, though contrarian opportunities sometimes emerge at these levels.
HIPO's stability score of 31/100 signals elevated volatility and/or leverage concerns. Key stability metrics include a beta of 1.04 and a debt-to-equity ratio of 345.00x (sector avg: 0.5x). Investors should be prepared for wider-than-average price swings and consider position sizing accordingly to manage portfolio risk.
Hippo Holdings Inc.'s short interest score of 21/100 reveals significant bearish positioning, suggesting institutional investors are actively betting against the stock. Specific risk factors include elevated leverage (D/E: 345.00x), small-cap liquidity risk. At $905M (small-cap), HIPO carries meaningful risk and is best suited for investors with high risk tolerance who have thoroughly evaluated the bear thesis.
Hippo Holdings Inc. is a small-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #3240 of 7,333 overall (56th percentile). Key comparisons include ROE of 4.6% trailing the 9.0% sector median and operating margins of 0.7% below the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While HIPO currently exhibits a REDUCE profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
View Top Finance, Insurance, And Real Estate Alpha →Quant Factor Profile
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Improvement in Short Int. (21) would have the largest impact on the composite score.
EV/EBITDA 363% ABOVE SECTOR MEDIAN
ROE 49% BELOW SECTOR MEDIAN
Gross Margin 58% BELOW SECTOR MEDIAN
Above 50MA
37.18%
Net New Highs
+51081
As the Dow Jones and S&P 500 reach new all-time highs, the U.S. stock market continues to capture investors' attention amidst mixed economic signals, including a weakening labor market and geopolitical developments. In this dynamic environment, identifying promising small-cap stocks can offer valuable opportunities for growth, particularly when these companies demonstrate resilience and potential in sectors poised for expansion.
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