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Upturn AI SWOT - About
Hippo Holdings Inc (HIPO)
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Upturn Advisory Summary
04/01/2025: HIPO (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 2.7% | Avg. Invested days 24 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 622.78M USD | Price to earnings Ratio - | 1Y Target Price 34 |
Price to earnings Ratio - | 1Y Target Price 34 | ||
Volume (30-day avg) 206086 | Beta 1.5 | 52 Weeks Range 14.58 - 35.44 | Updated Date 04/2/2025 |
52 Weeks Range 14.58 - 35.44 | Updated Date 04/2/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -1.64 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2025-03-06 | When - | Estimate 0.07 | Actual -0.0041 |
Profitability
Profit Margin -10.88% | Operating Margin (TTM) -1.28% |
Management Effectiveness
Return on Assets (TTM) -3.19% | Return on Equity (TTM) -7.63% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 435178884 | Price to Sales(TTM) 1.67 |
Enterprise Value 435178884 | Price to Sales(TTM) 1.67 | ||
Enterprise Value to Revenue 1.17 | Enterprise Value to EBITDA - | Shares Outstanding 25081700 | Shares Floating 17746565 |
Shares Outstanding 25081700 | Shares Floating 17746565 | ||
Percent Insiders 24.89 | Percent Institutions 45.11 |
Analyst Ratings
Rating 3.75 | Target Price 31.67 | Buy 1 | Strong Buy 1 |
Buy 1 | Strong Buy 1 | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Hippo Holdings Inc
Company Overview
History and Background
Hippo Holdings Inc. was founded in 2015. It focuses on modernizing home insurance through technology and a customer-centric approach, aiming to provide simpler and more affordable coverage. Initially focused on California, it has expanded across the United States through strategic partnerships and acquisitions.
Core Business Areas
- Home Insurance: Hippo's core offering is homeowners insurance, utilizing data analytics and modern technology to provide customized and efficient coverage. They focus on proactive risk mitigation and quick claims processing.
- Condo Insurance: Similar to homeowner's insurance but tailored for condominium owners, providing coverage for interior structure, personal belongings, and liability.
- Landlord Insurance: Coverage designed for landlords who rent out their properties, protecting against property damage, loss of rental income, and liability claims.
- Partnerships: Hippo strategically partners with other companies to expand their distribution network and offer bundled services to customers.
Leadership and Structure
Hippo's leadership team consists of experienced executives in the insurance and technology sectors. The organizational structure is designed to foster innovation and agility, with a focus on technology-driven solutions and customer service.
Top Products and Market Share
Key Offerings
- Home Insurance: Hippo's primary offering. While specific market share data fluctuates, Hippo targets tech-savvy homeowners. Competitors include Lemonade (LMND), Allstate (ALL), State Farm (private), and Progressive (PGR). Revenue data is not directly available publicly, but it constitutes the largest portion of their total revenue.
- Condo Insurance: Hippo offers condo insurance tailored to unit owners. Market share data is difficult to pinpoint. Competitors include the major insurance companies such as Allstate (ALL), State Farm (private), and Progressive (PGR) along with regional and local carriers. Revenue is a smaller portion compared to home insurance.
- Landlord Insurance: A growing segment of the business. Market share data is not precisely available. Competitors include Steadily, Farmers (private), and State Farm (private). Revenue contribution is smaller compared to their primary homeowner insurance.
Market Dynamics
Industry Overview
The home insurance industry is undergoing a shift towards digitalization, with companies leveraging technology to improve underwriting, claims processing, and customer experience. There is a growing demand for personalized and affordable insurance solutions.
Positioning
Hippo positions itself as a technology-driven home insurance provider, offering a modern alternative to traditional insurance companies. Its competitive advantage lies in its data analytics capabilities, customer-centric approach, and efficient claims processing.
Total Addressable Market (TAM)
The total addressable market for home insurance in the US is estimated to be around $100 billion. Hippo is focused on capturing a larger share of the market by targeting tech-savvy homeowners and offering innovative insurance solutions.
Upturn SWOT Analysis
Strengths
- Technology-driven platform
- Customer-centric approach
- Data analytics capabilities
- Efficient claims processing
- Strategic partnerships
Weaknesses
- Relatively small market share compared to established players
- Reliance on reinsurance
- Negative profitability
- Relatively newer brand
Opportunities
- Expansion into new geographic markets
- Development of new insurance products
- Increased adoption of technology in insurance
- Strategic acquisitions and partnerships
- Focus on customer retention
Threats
- Competition from established insurance companies
- Changes in regulatory environment
- Economic downturn affecting homeownership
- Natural disasters impacting claims
- Increasing reinsurance costs
Competitors and Market Share
Key Competitors
- LMND
- ALL
- PGR
Competitive Landscape
Hippo competes with both traditional insurance companies and other insurtech startups. Its advantage lies in its technology-driven platform and customer-centric approach, but it faces challenges in gaining market share against established players with larger capital and brand recognition.
Major Acquisitions
Spinnaker Insurance Company
- Year: 2020
- Acquisition Price (USD millions): 280
- Strategic Rationale: Acquisition of Spinnaker Insurance provided Hippo with an established platform and capabilities for underwriting and managing insurance risk, allowing it to have greater control over its insurance offerings and accelerate its growth.
Growth Trajectory and Initiatives
Historical Growth: Hippo has achieved substantial growth in revenue and customer base since its founding.
Future Projections: Analysts project continued revenue growth for Hippo, driven by its expansion into new markets and product offerings. Profitability is a key area to monitor.
Recent Initiatives: Recent initiatives include expanding partnerships, investing in technology, and launching new insurance products.
Summary
Hippo Holdings Inc. is a technology-driven home insurance company with a focus on innovation and customer experience. While it has achieved significant revenue growth, it is still operating at a loss and faces competition from established players. Its technology-driven platform and partnerships are key strengths, but it needs to improve profitability and scale its operations to achieve long-term success.
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LMND
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PGR
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ROOT
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Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
- Market research reports
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may vary depending on the source. All financial data is subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Hippo Holdings Inc
Exchange NYSE | Headquaters Palo Alto, CA, United States | ||
IPO Launch date 2021-08-03 | President, CEO & Director Mr. Richard Lyn McCathron CIC, CPCU | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees 478 | Website https://www.hippo.com |
Full time employees 478 | Website https://www.hippo.com | ||
Hippo Holdings Inc., together with its subsidiaries, provides property and casualty insurance products to individuals and business customers primarily in the United States. It operates three segments: Services, Insurance-as-a-Service, and Hippo Home Insurance Program. The company's insurance products include homeowners' insurance against risks of fire, wind, and theft, as well as other personal lines policies from third party carriers; personal and commercial; and auto, flood, earthquake, pet, and other insurance products. It also offers service contracts, home health check-ups, and home care advice. The company distributes insurance products and services through its technology platforms and website, as well as operates licensed insurance agencies. Hippo Holdings Inc. is headquartered in Palo Alto, California.
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