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DGICB (71) IGIC (53) HRTG (77) BOW (63) ⌘ Pro Terminal β†’

Hippo Holdings Inc. (HIPO) Dividend Safety Gauge & 10-Year DRIP Compounder

$35.70 -2.54% NYSE β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $35.47

Hippo Holdings Inc. (HIPO) carries a Roarable Rating of C- (Hold) with 60/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C- β€’ HOLD / WATCH Cap $975.2M
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚑ INSTANT AI QUANT PREVIEW β€’ $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on HIPO Below β€” or Connect Your Own ChatGPT / Claude
πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is HIPO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

As of 2026-11-03, Hippo Holdings Inc. (NYSE: HIPO) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 60/100 at a spot price of $35.70 (-2.54% 1D, market cap $975.2M). Pillar breakdown: Fundamental Cash Engine 8/20, Institutional 13F & Options Flow 15/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 13/20. Across 1097 tracked Financials issuers, HIPO ranks #395 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does HIPO compare to DGICB and IGIC in the Financials sector?
β–Ό

Within the Financials sector (Property-Casualty Insurers), HIPO carries a Roarable C- (60/100 RQD), trailing P/E of 15.7x, gross margin of β€”, and ROIC of 14.4%. By comparison, DGICB (Donegal Group Inc. (Class B)) holds a B- grade (71/100 RQD, P/E 11.1x, ROIC 12.4%, cap $927.6M) and IGIC (International General Insurance Holdings Ltd. Ordinary Share) posts a D+ grade (53/100 RQD, P/E 8.3x, ROIC 17.9%, cap $1.04B). Among the 5-stock peer group, HRTG leads on earnings multiple (5.5x) while HRTG leads on capital efficiency (85.0% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for HIPO?
β–Ό

Per HIPO's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001828105), Hippo Holdings Inc. generated $468.6M in revenue (+25.9% YoY), $62.6M in net income, and $9.1M in free cash flow against $1.91B in total assets and $0 in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

βœ“ Pre-computed one-to-many AI Quant brief
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INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $35.47 (-0.65%)🧬 Disciplined Float (-0.32% YoY Shares)βš™οΈ Cash Engine: 8/20 (D-) β€’ 1.9% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record: Scores of 60/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.4% avg 90D alpha vs SPY β€’ 53.5% hit rate β€” wait for RQD β‰₯ 70 breakout).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERHOLD / WATCH β€’ C-
025507510060
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) β€” not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw C- Β· Rk C-
Cash (8)Whales (15)SEC (13)Macro (11)CEO (13)
Each axis scored 0–20
12M PRICE TARGET CONE+0.9% Base Target
$43 Bull$36 Base$28 Bear
πŸ“¬ FREE HIPO RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for HIPO)Realized 20D OHLCV Swing Band: Β±7.2%
Deterministic 5-Pillar Attribution (60/100 Composite)
πŸ” WHY HIPO SCORES 60/100 (C-) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: Whale & Options Positioning+15/20 pts (25% of score)

20D Institutional Volume Accumulation (Β±7.2% realized swing band)

β–² #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (22% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) β€’ Piotroski F-Score 5/9

β–Ό #1 Drag / Risk Factor: Cash Engine Quality8/20 pts (-12 pt drag)

Capital intensity & 0% operating margin leave 12 pts on the table

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
52
Grade C-$34.35+8.7% Next Q
Q2 (-2Q)
55
Grade C$37.33+2.6% Next Q
Q3 (-1Q)
57
Grade C$38.30-6.8% Next Q
Current
60
Grade C-$35.70+0.4% Hist 90D Ξ±
Trajectory: C- (52) β†’ C- (60)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

βš”οΈ Adversarial Opposing Case: Why the HIPO Bull Thesis Could Fail

Gideon Ashmere Forensic Desk β†’

Even with a 60/100 (C-) score, HIPO faces multiple-compression risk if 15.7x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Disciplined Float (-0.32% YoY Shares) β€” any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($33.77) or 200D SMA ($29.50) invalidates the momentum regime and cuts Target Base ($36.02) toward Bear Floor ($28.10).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $HIPOβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œHIPO Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 60%NO 40%Trade / Inspect Odds β†’
CASH DIVIDEND + BUYBACK YIELD
0.6% Total Yield
0% Cash ($0.00/yr) + 0.6% Buybacks
PAYOUT SAFETY SPEEDOMETER
74/100 β€’ REINVESTING IN GROWTH + BUYBACKS
FREE CASH FLOW PAYOUT RATIO
0% (100% Reinvested)
Retains cash flow for R&D and share repurchases
INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (14.8% EST. ANNUAL)

$10,000 Compounded Over 10 Years β†’ $39,757

Est. Year-10 Shareholder Yield: $239/yr
$11.5K
Yr 1
$13.2K
Yr 2
$15.1K
Yr 3
$17.4K
Yr 4
$19.9K
Yr 5
$22.9K
Yr 6
$26.3K
Yr 7
$30.2K
Yr 8
$34.6K
Yr 9
$39.8K
Yr 10
ON-DEMAND RQD QUANT WORKSHOP β€’ SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in HIPO & A-Rated Leaders

  • βœ“12-month Bull/Base/Bear fair-value walkthrough on HIPO and its top sector peer
  • βœ“Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
  • βœ“Includes nightly RQD rating-change & forensic signal email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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HIPO // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +29.87%β–² ASCENDING CHANNEL
2026-11-03O $37.16H $37.16L $35.70C $35.70VOL 282.1K
RES: $40.33SUP: $31.53SMA50: $33.77SMA200: $29.50
$40.46$36.02$31.58$27.14$22.70RES $40.33SUP $31.53$35.702026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

HIPO Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

πŸ¦‹ HIPO Butterfly Map β†’ + Track HIPO β†’
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
8.2%/yr Implied 5Y Growth

vs. +25.9% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on HIPO today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

No direct multi-tier Butterfly edges indexed yet for HIPO. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for HIPO today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (HIPO)

Financials Rank #395 of 1097 βš”οΈ DGICB vs HIPO Full Matrix β†’

1. Head-to-Head Financials Peer Comparison (HIPO vs. DGICB, IGIC, HRTG, BOW)

Industry: Property-Casualty Insurers (68 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Hippo Holdings Inc. (HIPO) ranks #395 by composite RQD confidence (60/100, grade C-) and #558 by equity capitalization ($975.2M). Within this direct 5-issuer industry benchmark cohort, HRTG leads on earnings valuation at 5.5x trailing P/E, while HRTG leads on capital efficiency and profitability with 85.0% ROIC and β€” gross margin. HRTG currently holds the highest overall quantitative score in the immediate peer group at 77/100 (B+) compared with HIPO at 60/100 (C-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
HIPO ACTIVE
Hippo Holdings Inc.
C- 60/100 15.7x β€” 14.4% -2.54% $975.2M Benchmark Subject
DGICB
Donegal Group Inc. (Class B)
B- 71/100 11.1x β€” 12.4% -7.84% $927.6M /dgicb-vs-hipo β†’
IGIC
International General Insurance Holdings Ltd. Ordinary Share
D+ 53/100 8.3x β€” 17.9% +1.97% $1.04B /igic-vs-hipo β†’
HRTG
Heritage Insurance Holdings Inc.
B+ 77/100 5.5x β€” 85.0% +0.84% $1.06B /hrtg-vs-hipo β†’
BOW
Bowhead Specialty Holdings Inc.
C 63/100 20.9x β€” 12.0% -0.23% $1.12B /bow-vs-hipo β†’

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0001828105 β†—

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Hippo Holdings Inc. (HIPO) reported GAAP revenue of $468.6M (+25.9% vs. FY2024 revenue of $372.1M , and +123.5% cumulative change since FY2023) , GAAP net income of $62.6M, operating cash flow of $9.2M, and free cash flow of $9.1M (-80.7% YoY). On the balance sheet, HIPO closed FY2025 with $1.91B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $468.6M $62.6M $9.2M $9.1M $1.91B β€”
FY2024 (FY) 2024-12-31 $372.1M -$28.6M $47.5M $47.2M $1.54B β€”
FY2023 (FY) 2023-12-31 $209.7M -$263.0M -$92.4M -$92.4M β€” β€”

3. HIPO Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is HIPO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Hippo Holdings Inc. (NYSE: HIPO) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 60/100 at a spot price of $35.70 (-2.54% 1D, market cap $975.2M). Pillar breakdown: Fundamental Cash Engine 8/20, Institutional 13F & Options Flow 15/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 13/20. Across 1097 tracked Financials issuers, HIPO ranks #395 in composite RQD confidence.

How does HIPO compare to DGICB and IGIC in the Financials sector?

Within the Financials sector (Property-Casualty Insurers), HIPO carries a Roarable C- (60/100 RQD), trailing P/E of 15.7x, gross margin of β€”, and ROIC of 14.4%. By comparison, DGICB (Donegal Group Inc. (Class B)) holds a B- grade (71/100 RQD, P/E 11.1x, ROIC 12.4%, cap $927.6M) and IGIC (International General Insurance Holdings Ltd. Ordinary Share) posts a D+ grade (53/100 RQD, P/E 8.3x, ROIC 17.9%, cap $1.04B). Among the 5-stock peer group, HRTG leads on earnings multiple (5.5x) while HRTG leads on capital efficiency (85.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for HIPO?

Per HIPO's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001828105), Hippo Holdings Inc. generated $468.6M in revenue (+25.9% YoY), $62.6M in net income, and $9.1M in free cash flow against $1.91B in total assets and $0 in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is HIPO trading relative to its 50-day, 200-day, and 52-week technical levels?

HIPO last traded at $35.70 (-2.54% on volume of 260,656 shares), positioning the stock +5.72% above its 50-day simple moving average ($33.77) and +21.02% above its 200-day simple moving average ($29.50). Across its 52-week range of $24.08 to $39.39, HIPO sits at the 75.9% percentile with a 14-day RSI of 58.2 (BULLISH MOMENTUM) and an implied next-earnings move of Β±7.2% ($33.13 to $38.27).

Direct Sub-Reports: HIPO RQD Cockpit HIPO 12M Forecast HIPO Earnings & Move HIPO Dividends & DRIP HIPO Insiders & 13F HIPO Whale Options HIPO Profit Sankey HIPO News & Why
ROARABLE RATING BRIEF β€’ RQD 60/100 (C-) βœ“ SEC XBRL & RQD VERIFIED

HIPO β€” Hippo Holdings Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Hippo Holdings Inc. (HIPO) earns a live Roarable RQD composite score of 60/100, corresponding to a C- letter grade (Roarable Hold) at a spot price of $35.70 (-2.54% 1D, market capitalization $975.2M).

  • Fundamental Cash Engine (8/20): Anchored by return on invested capital (ROIC) of 14.4%, gross margin of β€”, operating margin of β€”, and free cash flow yield of 0.93%.
  • Whale 13F & Options Flow (15/20) + Insider Conviction (13/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (11/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Hippo Holdings Inc. Is a NYSE-listed issuer in the Financials sector and the Property-Casualty Insurers industry. Market capitalization is reported as $1.0B in the profile and $980.6M in market data.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Hippo Holdings Inc. (HIPO) reported $468.6M in annual revenue (up from $372.1M in FY2024, +25.9% YoY) and $62.6M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($209.7M revenue, -$263.0M net income) through FY2025, HIPO scaled operating cash flow to $9.2M and free cash flow to $9.1M, backed by $1.91B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • πŸ‚ Primary Bull Case (C- β€’ RQD 60/100): Big institutional funds and options desks are actively positioning on the bullish side. Free cash flow yield of 0.93% and institutional whale pillar of 15/20. With Fundamental Cash Engine at 8/20 and Institutional Whale Flow at 15/20, sustained execution supports upside toward the upper end of the $24.08 – $39.39 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 15.7x trailing P/E against β€” operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Property-Casualty Insurers (Financials), HIPO carries a macro regime beta of 1.00 and gross margin of β€”.

  • Key Question #1: Can HIPO sustain or expand its β€” operating margin and 14.4% ROIC against Property-Casualty Insurers peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $468.6M and free cash flow of $9.1M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is HIPO's 13.2x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

HIPO Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Hippo Holdings Inc. (HIPO) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to HIPO Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

HIPO Bull vs. Bear Conversation Board β€” What's Your Call at $35.70?

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON HIPO 🐻 33% BEARISH CONVICTION
1. Pick Your Side on HIPO:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
SI SiliconVal_Bull RQD DEBATE OPENER β€’ Growth & Tech Investor πŸ‚ BULLISH 🎯 Target: $47.25 (+29.0%)
πŸ“Œ Pinned Debate

Net income swung from -$263.0M in FY 2023 to $62.6M in FY 2025 with a reported ROIC of 14.4%, and the RQD rating credits institutional

The street is overcomplicating Hippo Holdings Inc. (HIPO). Net income swung from -$263.0M in FY 2023 to $62.6M in FY 2025 with a reported ROIC of 14.4%, and the RQD rating credits institutional accumulation with its strongest pillar score of 16/20.. With an RQD score of 60/100 (C-) and Forensic Balance Sheet at 13/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $39.56.

SectorRotator πŸ‚ BULL

@SiliconVal_Bull Agree on the RQD 60/100 quality, though with 1.0 beta I'm scaling in with half-size at $36.63 and keeping dry powder in case we test $34.07.

FO ForensicBear RQD DEBATE OPENER β€’ 10-K Footnote Auditor 🐻 BEARISH 🎯 Target: $29.30 (-20.0%)
Spot @ $36.63

Free cash flow fell from $47.2M in FY 2024 to $9.1M in FY 2025 and the FCF yield is only 0.93%, leaving the Fundamental Cash Engine pil

Careful chasing HIPO at $36.63. Free cash flow fell from $47.2M in FY 2024 to $9.1M in FY 2025 and the FCF yield is only 0.93%, leaving the Fundamental Cash Engine pillar at 8/20.. Gross margin is 0.0%, but operating margin is 0.0%, which shows SG&A and reinvestment are eating into bottom-line EPS. Target $29.30 on multiple compression.

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