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Hippo (HIPO) Financials

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Annual Income Statements for Hippo

Annual Income Statements for Hippo

This table shows Hippo's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2020 2021 2022 2023 2024 2025
Period end date 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 -142 -371 -333 -273 -41 58
Consolidated Net Income / (Loss)		 -141 -368 -327 -263 -29 63
Net Income / (Loss) Continuing Operations		 -336 -169 -327 -263 -29 63
Total Pre-Tax Income 		-143 -367 -325 -263 -27 63
Total Operating Income		 -117 -215 -328 -263 -82 -32
Total Gross Profit		 7.00 -35 -42 -51 74 107
Total Revenue		 52 91 120 210 372 469
Operating Revenue		 52 91 120 210 372 469
Total Cost of Revenue		 45 126 161 261 298 361
Operating Cost of Revenue		 45 126 161 261 298 361
Total Operating Expenses		 124 180 286 211 156 139
Selling, General & Admin Expense		 37 49 72 80 71 67
Marketing Expense		 69 95 102 80 51 34
Research & Development Expense		 18 36 58 47 31 33
Other Operating Expenses / (Income)		 - - - -0.80 -0.10 1.00
Restructuring Charge		 - 0.00 55 5.50 3.60 5.00
Total Other Income / (Expense), net		 -221 47 0.00 0.00 54 95
Other Income / (Expense), net		 -195 - 0.00 0.00 54 95
Income Tax Expense		 -1.80 0.70 1.30 0.50 1.20 0.70
Net Income / (Loss) Attributable to Noncontrolling Interest		 0.10 3.50 6.90 10 12 4.90
Basic Earnings per Share		 ($1.63) ($34.11) ($14.66) ($11.58) ($1.64) $2.28
Weighted Average Basic Shares Outstanding		 86.90M 10.89M 22.75M 23.58M 24.70M 25.25M
Diluted Earnings per Share		 ($1.63) ($34.11) ($14.66) ($11.58) ($1.64) $2.22
Weighted Average Diluted Shares Outstanding		 86.90M 10.89M 22.75M 23.58M 24.70M 26.01M
Weighted Average Basic & Diluted Shares Outstanding		 - 566.27M 23.31M 24.31M 25.08M 25.97M

Quarterly Income Statements for Hippo

This table shows Hippo's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 -42 -36 -41 -8.50 44 -48 1.30 98 6.00 7.10 10
Consolidated Net Income / (Loss)		 -39 -33 -37 -5.20 47 -45 3.90 98 6.00 7.10 10
Net Income / (Loss) Continuing Operations		 -39 -33 -37 -5.20 47 -45 3.90 98 6.00 7.10 10
Total Pre-Tax Income 		-39 -33 -37 -5.20 47 -46 4.00 98 6.80 7.20 11
Total Operating Income		 -40 -33 -37 -13 1.00 -46 4.00 3.10 6.80 7.20 11
Total Gross Profit		 9.50 12 4.70 21 37 -12 40 40 40 39 46
Total Revenue		 65 85 90 96 102 110 117 121 120 122 145
Operating Revenue		 65 85 90 96 102 110 117 121 120 122 145
Total Cost of Revenue		 55 73 85 74 65 123 77 80 81 82 99
Operating Cost of Revenue		 55 73 85 74 65 123 77 80 81 82 99
Total Operating Expenses		 50 45 41 35 36 33 36 37 33 32 35
Selling, General & Admin Expense		 18 18 20 15 17 17 17 17 17 16 18
Marketing Expense		 16 14 13 13 11 8.90 9.20 8.00 7.40 6.30 6.30
Research & Development Expense		 10 8.30 7.80 7.00 7.60 8.10 8.10 8.00 8.30 9.40 10
Other Operating Expenses / (Income)		 - 0.00 0.10 -0.10 -0.10 -0.20 0.10 0.80 0.30 0.00 0.60
Restructuring Charge		 5.50 3.60 0.00 0.00 - - 1.20 3.80 - - 0.00
Total Other Income / (Expense), net		 - 0.00 0.00 8.20 46 0.00 0.00 95 - 0.00 0.00
Income Tax Expense		 0.30 0.20 0.70 0.00 0.30 -0.20 0.10 0.00 0.80 0.10 0.90
Net Income / (Loss) Attributable to Noncontrolling Interest		 3.00 2.60 3.30 3.30 2.70 2.30 2.60 0.00 - 0.00 0.00
Basic Earnings per Share		 ($1.80) ($1.47) ($1.64) ($0.34) $1.81 ($1.91) $0.05 $3.90 $0.24 $0.27 $0.38
Weighted Average Basic Shares Outstanding		 23.58M 24.23M 24.63M 25.07M 24.70M 24.98M 25.34M 25.18M 25.25M 25.84M 26.20M
Diluted Earnings per Share		 ($1.80) ($1.47) ($1.64) ($0.34) $1.81 ($1.91) $0.05 $3.77 $0.31 $0.27 $0.38
Weighted Average Diluted Shares Outstanding		 23.58M 24.23M 24.63M 25.07M 24.70M 24.98M 26.02M 26.03M 26.01M 26.35M 26.55M
Weighted Average Basic & Diluted Shares Outstanding		 24.31M 24.43M 24.36M - 25.08M 25.16M 25.03M 25.34M 25.97M 26.04M 26.39M

Annual Cash Flow Statements for Hippo

This table details how cash moves in and out of Hippo's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2020 2021 2022 2023 2024 2025
Period end date 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 450 326 -574 -49 38 17
Net Cash From Operating Activities		 -65 -125 -162 -92 48 9.20
Net Cash From Continuing Operating Activities		 -65 -125 -162 -92 48 9.20
Net Income / (Loss) Continuing Operations		 -141 -368 -327 -263 -29 63
Consolidated Net Income / (Loss)		 -141 -368 -327 -263 -29 63
Depreciation Expense		 6.70 11 15 20 23 20
Non-Cash Adjustments To Reconcile Net Income		 78 241 180 188 89 20
Changes in Operating Assets and Liabilities, net		 -8.20 -29 -30 -37 -36 -94
Net Cash From Investing Activities		 -2.30 -30 -406 58 30 -11
Net Cash From Continuing Investing Activities		 -2.30 -30 -406 58 30 -11
Purchase of Property, Plant & Equipment		 -9.40 -14 -20 -47 -12 -13
Purchase of Investments		 -17 -26 -793 -410 -368 -426
Divestitures		 - - 0.00 0.00 67 66
Sale and/or Maturity of Investments		 108 17 409 517 337 362
Other Investing Activities, net		 0.00 -2.90 -2.00 -3.20 6.00 0.00
Net Cash From Financing Activities		 518 481 -6.80 -15 -40 19
Net Cash From Continuing Financing Activities		 518 481 -6.80 -15 -40 19
Repurchase of Common Equity		 - - 0.00 -1.80 -16 -15
Payment of Dividends		 - - -5.30 -9.60 -20 -8.10
Issuance of Debt		 - - - 0.00 0.00 48
Issuance of Common Equity		 - - 4.10 2.80 6.70 3.80
Other Financing Activities, net		 -1.50 482 -5.60 -6.00 -11 -9.80

Quarterly Cash Flow Statements for Hippo

This table details how cash moves in and out of Hippo's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Change in Cash & Equivalents		 -74 51 -43 -36 56 -17 21 30 -16 46 -76
Net Cash From Operating Activities		 -49 18 -11 47 -6.40 -36 25 17 3.20 8.50 43
Net Cash From Investing Activities		 -22 59 -28 -28 28 -11 -22 47 -26 43 -77
Net Cash From Continuing Investing Activities		 -22 59 -28 -28 28 -11 -22 47 -26 43 -77
Purchase of Property, Plant & Equipment		 -4.50 -3.40 -3.80 -3.40 -1.40 -2.90 -3.40 -3.50 -3.50 -3.20 -3.30
Purchase of Investments		 -119 -55 -84 -105 -124 -66 -132 -102 -126 -95 -242
Sale and/or Maturity of Investments		 104 117 60 61 100 58 114 87 104 115 168
Net Cash From Financing Activities		 -3.80 -8.00 -4.40 -8.20 -20 -6.00 43 -18 0.40 3.70 0.90
Net Cash From Continuing Financing Activities		 -3.70 -8.00 -4.40 -8.20 -20 -6.00 43 -18 0.40 3.70 0.90
Repayment of Debt		 - - - - - -1.00 - - - 2.70 -0.20
Issuance of Common Equity		 0.40 1.00 1.20 0.80 3.70 1.00 1.30 0.50 1.00 1.00 1.10

Annual Balance Sheets for Hippo

This table presents Hippo's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2020 2021 2022 2023 2024 2025
Period end date 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 979 1,643 1,569 1,525 1,543 1,906
Total Current Assets		 489 841 627 287 365 468
Cash & Equivalents		 452 776 195 142 198 218
Accounts Receivable		 37 57 107 145 167 250
Plant, Property, & Equipment, net		 0.00 0.00 0.00 162 206 293
Plant, Property & Equipment, gross		 - - - 162 206 293
Total Noncurrent Assets		 490 802 942 1,076 973 1,144
Long-Term Investments		 56 55 121 187 168 153
Intangible Assets		 49 58 66 76 65 57
Other Noncurrent Operating Assets		 338 635 756 813 740 934
Total Liabilities & Shareholders' Equity		 979 1,643 1,569 1,525 1,543 1,906
Total Liabilities		 834 781 975 1,140 1,178 1,469
Total Current Liabilities		 234 516 629 696 686 806
Accrued Expenses		 43 95 128 114 87 81
Other Current Liabilities		 191 420 501 583 599 725
Total Noncurrent Liabilities		 600 265 346 444 492 664
Long-Term Debt		 273 - - - 0.00 48
Other Noncurrent Operating Liabilities		 327 265 346 444 492 616
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 -200 862 594 385 365 436
Total Preferred & Common Equity		 -200 860 590 378 362 436
Total Common Equity		 -200 860 590 378 362 436
Common Stock		 57 1,488 1,558 1,615 1,640 1,652
Retained Earnings		 -257 -628 -961 -1,234 -1,275 -1,217
Accumulated Other Comprehensive Income / (Loss)		 0.10 -0.70 -7.00 -2.90 -2.70 1.80

Quarterly Balance Sheets for Hippo

This table presents Hippo's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026 6/30/2026
Total Assets		 1,630 1,605 1,681 1,647 1,496 1,545 1,540 1,706 1,874 2,062 2,319
Total Current Assets		 658 613 577 562 502 743 314 426 484 558 595
Cash & Equivalents		 347 189 200 228 223 191 141 199 248 275 245
Accounts Receivable		 90 134 148 145 154 158 173 227 237 282 351
Plant, Property, & Equipment, net		 0.00 0.00 0.00 0.00 0.00 0.00 212 237 246 299 431
Plant, Property & Equipment, gross		 - - - - - - 212 237 246 299 431
Total Noncurrent Assets		 972 992 1,104 1,085 994 802 1,015 1,043 1,144 1,206 1,292
Long-Term Investments		 109 141 136 142 163 - 175 168 175 125 67
Intangible Assets		 65 67 69 71 75 74 64 62 57 56 55
Other Noncurrent Operating Assets		 798 784 899 873 757 728 776 814 912 1,025 1,170
Total Liabilities & Shareholders' Equity		 1,630 1,605 1,681 1,647 1,496 1,545 1,540 1,706 1,874 2,062 2,319
Total Liabilities		 991 1,062 1,234 1,236 1,142 1,215 1,215 1,372 1,452 1,613 1,853
Total Current Liabilities		 661 687 798 776 705 710 730 780 802 911 1,025
Accrued Expenses		 124 133 128 125 105 98 91 77 85 72 80
Other Current Liabilities		 537 555 670 651 600 612 639 692 717 839 945
Total Noncurrent Liabilities		 330 374 436 460 436 505 485 593 650 703 828
Long-Term Debt		 - - - - - - - 48 48 48 48
Other Noncurrent Operating Liabilities		 330 374 436 460 436 505 485 545 602 655 780
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 639 543 447 411 355 330 326 334 422 449 466
Total Preferred & Common Equity		 635 538 446 407 351 326 323 333 422 449 466
Total Common Equity		 635 538 446 407 351 326 323 333 422 449 466
Common Stock		 1,541 1,575 1,591 1,606 1,625 1,645 1,646 1,654 1,643 1,659 1,668
Retained Earnings		 -898 -1,031 -1,139 -1,192 -1,270 -1,319 -1,323 -1,321 -1,223 -1,210 -1,200
Accumulated Other Comprehensive Income / (Loss)		 -7.80 -5.30 -6.40 -7.10 -3.40 0.50 -0.60 0.10 1.40 -0.60 -2.00

Annual Metrics And Ratios for Hippo

This table displays calculated financial ratios and metrics derived from Hippo's official financial filings.

Metric 2020 2021 2022 2023 2024 2025
Period end date 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 - - - - - 25,335,179.00
DEI Adjusted Shares Outstanding		 - - - - - 25,335,179.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - 2.28
Growth Metrics		 - - - - - -
Profitability Metrics		 - - - - - -
Net Operating Profit after Tax (NOPAT)		 -82 -151 -229 -184 -57 -31
Return On Investment Capital (ROIC_SIMPLE)		 - - -38.65% -47.91% -15.70% -6.48%
Earnings before Interest and Taxes (EBIT)		 -312 -215 -328 -263 -28 63
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 -305 -184 -313 -244 -4.30 84
Valuation Ratios		 - - - - - -
Leverage & Solvency		 - - - - - -
Liquidity Ratios		 - - - - - -
Cash Flow Metrics		 - - - - - -
Free Cash Flow to Firm (FCFF)		 0.00 -263 -160 -287 -1.83 181
Efficiency Ratios		 - - - - - -
Capital & Investment Metrics		 - - - - - -
Invested Capital		 -90 22 -47 56 0.00 -212
Increase / (Decrease) in Invested Capital		 0.00 112 -69 102 -56 -212
Book Value per Share		 ($2.30) $1.53 $25.58 $15.82 $14.86 $17.21
Tangible Book Value per Share		 ($3.41) $1.33 $22.73 $12.65 $12.19 $14.97
Total Capital		 418 862 594 385 365 484
Total Debt		 273 0.00 0.00 0.00 0.00 48
Total Long-Term Debt		 273 0.00 0.00 0.00 0.00 48
Net Debt		 -235 -840 -640 -329 -365 -648
Capital Expenditures (CapEx)		 9.40 14 20 47 12 13
Debt-free, Cash-free Net Working Capital (DFCFNWC)		 -197 -459 -522 -551 -519 -251
Debt-free Net Working Capital (DFNWC)		 255 326 -2.60 -409 -321 445
Net Working Capital (NWC)		 255 326 -2.60 -409 -321 445
Net Nonoperating Expense (NNE)		 59 217 97 79 -29 -94
Net Nonoperating Obligations (NNO)		 -235 -840 -640 -329 -365 -648
Total Depreciation and Amortization (D&A)		 6.70 31 15 20 23 20
Earnings Adjustments		 - - - - - -
Adjusted Basic Earnings per Share		 $0.00 ($34.00) ($14.66) ($11.58) ($1.64) $2.28
Adjusted Weighted Average Basic Shares Outstanding		 0.00 10.89M 22.75M 23.58M 24.70M 25.25M
Adjusted Diluted Earnings per Share		 $0.00 ($34.00) ($14.66) ($11.58) ($1.64) $2.22
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 10.89M 22.75M 23.58M 24.70M 26.01M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 22.65M 23.31M 24.31M 25.08M 25.97M
Normalized Net Operating Profit after Tax (NOPAT)		 -82 -151 -191 -180 -55 -26
Debt Service Ratios		 - - - - - -
Payout Ratios		 - - - - - -

Quarterly Metrics And Ratios for Hippo

This table displays calculated financial ratios and metrics derived from Hippo's official financial filings.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 9/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
DEI Shares Outstanding		 - - - - 24,359,710.00 - - - 25,335,179.00 25,970,978.00 26,035,917.00
DEI Adjusted Shares Outstanding		 - - - - 24,359,710.00 - - - 25,335,179.00 25,970,978.00 26,035,917.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - 1.81 - - - 0.24 0.27 0.39
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 80.17% 113.82% 100.21% 65.51% - 29.61% 30.92% 26.28% - 10.15% 23.36%
EBITDA Growth		 40.51% 56.80% 100.70% 88.62% - -38.60% 110.96% 1,986.54% - 115.79% 175.00%
EBIT Growth		 35.68% 51.26% 95.05% 89.72% - -38.60% 110.96% 1,986.54% - 115.79% 175.00%
NOPAT Growth		 34.21% 51.26% 95.05% 73.52% - -38.60% 115.26% 133.05% - 122.24% 158.97%
Net Income Growth		 34.88% 51.40% 95.06% 89.66% - -37.16% 110.48% 1,986.54% - 115.64% 158.97%
EPS Growth		 35.02% 51.16% 92.62% 84.82% - -29.93% 103.05% 1,208.82% - 114.14% 660.00%
Operating Cash Flow Growth		 -61.13% 149.58% -13.98% 4,154.55% - -301.13% 333.02% -63.89% - 123.88% 74.49%
Free Cash Flow Firm Growth		 -597.67% -16.35% 110.14% -313.25% - -454.45% -347.43% 71.95% - 59.71% 40.04%
Invested Capital Growth		 218.34% -101.81% -116.92% 0.00% - 106.03% 110.11% 0.00% - 921.28% 682.95%
Revenue Q/Q Growth		 11.79% 31.94% 12.22% 6.58% - 0.00% 6.35% 2.81% - 0.91% 19.09%
EBITDA Q/Q Growth		 23.85% 21.55% 102.56% 85.75% - 0.00% 108.77% 2,352.50% - 5.88% 52.78%
EBIT Q/Q Growth		 20.55% 18.16% 84.19% 85.75% - 0.00% 108.77% 2,352.50% - 5.88% 52.78%
NOPAT Q/Q Growth		 20.55% 18.16% 84.19% 63.29% - 0.00% 112.22% -20.51% - 18.33% 42.25%
Net Income Q/Q Growth		 21.67% 15.99% 84.29% 86.02% - 0.00% 108.59% 2,415.38% - 18.33% 42.25%
EPS Q/Q Growth		 19.64% 18.33% 76.87% 79.27% - 0.00% 102.62% 7,440.00% - -12.90% 40.74%
Operating Cash Flow Q/Q Growth		 -4,509.09% 136.49% -159.89% 541.51% - 0.00% 169.38% -31.58% - 165.63% 407.06%
Free Cash Flow Firm Q/Q Growth		 -277.90% -33.85% 140.45% -239.78% - 0.00% -40.38% 84.15% - 25.84% -108.93%
Invested Capital Q/Q Growth		 137.73% 2.01% -63.53% 100.00% - 0.00% 174.47% 82.17% - -15.19% 110.42%
Profitability Metrics		 - - - - - - - - - - -
Gross Margin		 14.73% 13.75% 22.30% 22.30% - -11.15% 34.10% 33.33% - 32.18% 31.93%
EBITDA Margin		 -53.95% -32.08% 0.73% -5.45% - -41.34% 3.41% 81.34% - 5.93% 7.60%
Operating Margin		 -62.33% -38.66% -5.45% -14.03% - -41.34% 3.41% 2.57% - 5.93% 7.60%
EBIT Margin		 -62.33% -38.66% -5.45% -5.45% - -41.34% 3.41% 81.34% - 5.93% 7.60%
Profit (Net Income) Margin		 -61.09% -38.90% -5.45% -5.45% - -41.16% 3.32% 81.34% - 5.84% 6.98%
Tax Burden Percent		 100.77% 100.61% 100.00% 100.00% - 99.56% 97.50% 100.00% - 98.61% 91.82%
Interest Burden Percent		 97.26% 100.00% 100.00% 100.00% - 100.00% 100.00% 100.00% - 100.00% 100.00%
Effective Tax Rate		 0.00% 0.00% 0.00% 0.00% - 0.00% 2.50% 0.00% - 1.39% 8.18%
Return on Invested Capital (ROIC)		 -2,127.62% 0.00% 0.00% 0.00% - 0.00% 0.00% 49.23% - 53.20% 31.08%
ROIC Less NNEP Spread (ROIC-NNEP)		 -2,125.30% 0.00% 0.00% 0.00% - 0.00% 0.00% -1.50% - 53.20% 31.08%
Return on Net Nonoperating Assets (RNNOA)		 2,106.61% 0.00% 0.00% 0.00% - 0.00% 0.00% 1.33% - -45.96% -22.23%
Return on Equity (ROE)		 -21.01% -50.79% -32.94% 0.00% - -12.02% 0.06% 50.57% - 7.24% 8.85%
Cash Return on Invested Capital (CROIC)		 -516.59% 0.00% 0.00% 0.00% - -2,464.04% -1,193.60% -359.69% - -124.63% -130.39%
Operating Return on Assets (OROA)		 -8.45% -6.36% -1.02% 0.00% - -10.82% 0.89% 19.54% - 1.58% 1.92%
Return on Assets (ROA)		 -8.28% -6.40% -1.02% 0.00% - -10.77% 0.87% 19.54% - 1.56% 1.76%
Return on Common Equity (ROCE)		 -20.78% -50.32% -32.73% 0.00% - -11.91% 0.06% 50.57% - 7.21% 8.84%
Return on Equity Simple (ROE_SIMPLE)		 0.00% -64.92% -39.22% 0.00% - -12.67% 0.00% 0.00% - 0.00% 0.00%
Net Operating Profit after Tax (NOPAT)		 -28 -23 -3.64 -9.38 0.99 -32 3.90 3.10 6.00 7.10 10
NOPAT Margin		 -43.63% -27.06% -3.81% -9.82% - -28.94% 3.32% 2.57% - 5.84% 6.98%
Net Nonoperating Expense Percent (NNEP)		 -2.32% -1.78% -0.27% 0.00% - -3.26% 0.00% 50.73% - 0.00% 0.00%
Return On Investment Capital (ROIC_SIMPLE)		 -7.31% - - - 0.27% -9.80% 1.02% 0.66% 1.24% 1.43% 1.97%
Cost of Revenue to Revenue		 85.27% 86.25% 77.70% 77.70% - 111.15% 65.90% 66.67% - 67.82% 68.07%
SG&A Expenses to Revenue		 27.29% 21.50% 16.02% 16.02% - 14.96% 14.83% 13.68% - 13.33% 12.58%
R&D to Revenue		 16.12% 9.75% 7.33% 7.33% - 7.34% 6.91% 6.63% - 7.74% 6.98%
Operating Expenses to Revenue		 77.05% 52.41% 27.75% 36.34% - 30.19% 30.69% 30.76% - 26.26% 24.33%
Earnings before Interest and Taxes (EBIT)		 -40 -33 -5.20 -5.20 1.00 -46 4.00 98 6.80 7.20 11
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 -35 -27 0.70 -5.20 1.00 -46 4.00 98 6.80 7.20 11
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.58 1.26 1.29 0.00 - 1.99 2.11 2.15 - 1.51 1.58
Price to Tangible Book Value (P/TBV)		 0.72 1.61 1.67 0.00 - 2.47 2.59 2.48 - 1.72 1.79
Price to Revenue (P/Rev)		 1.04 1.74 1.39 1.26 - 1.61 1.65 2.01 - 1.41 1.45
Price to Earnings (P/E)		 0.00 0.00 0.00 0.00 - 0.00 0.00 9.44 - 6.02 6.07
Dividend Yield		 0.00% 0.00% 0.00% 0.00% - 0.00% 0.00% 0.00% - 0.00% 0.00%
Earnings Yield		 0.00% 0.00% 0.00% 0.00% - 0.00% 0.00% 10.60% - 16.62% 16.49%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 0.00 0.00 - 34.86 14.94 11.29 - 3.38 2.34
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 0.00 0.00 - 0.82 0.91 1.18 - 0.68 0.93
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 0.00 - 0.00 0.00 0.00 - 15.36 16.80
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 0.00 - 0.00 0.00 0.00 - 15.36 16.80
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 0.00 - 0.00 0.00 0.00 - 15.49 17.05
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 0.00 0.00 - 0.00 13.07 0.00 - 6.08 6.59
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.00 0.00 0.00 0.00 - 0.00 0.14 0.11 - 0.11 0.10
Long-Term Debt to Equity		 0.00 0.00 0.00 0.00 - 0.00 0.14 0.11 - 0.11 0.10
Financial Leverage		 -0.99 -1.26 -1.48 0.00 - -1.22 -1.35 -0.89 - -0.86 -0.72
Leverage Ratio		 3.16 3.45 4.15 0.00 - 4.46 4.90 4.45 - 4.65 5.03
Compound Leverage Factor		 3.08 3.45 4.15 0.00 - 4.46 4.90 4.45 - 4.65 5.03
Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% - 0.00% 12.54% 10.20% - 9.65% 9.33%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% - 0.00% 0.00% 0.00% - 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% - 0.00% 12.54% 10.20% - 9.65% 9.33%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% - 0.00% 0.00% 0.00% - 0.00% 0.00%
Noncontrolling Interests to Total Capital		 1.77% 1.01% 1.12% 0.00% - 0.89% 0.42% 0.00% - 0.00% 0.00%
Common Equity to Total Capital		 98.23% 98.99% 98.88% 0.00% - 99.11% 87.04% 89.80% - 90.35% 90.67%
Debt to EBITDA		 0.00 0.00 0.00 0.00 - 0.00 -0.89 -1.27 - 2.27 1.70
Net Debt to EBITDA		 0.00 0.00 0.00 0.00 - 0.00 5.89 9.96 - -16.72 -9.38
Long-Term Debt to EBITDA		 0.00 0.00 0.00 0.00 - 0.00 -0.89 -1.27 - 2.27 1.70
Debt to NOPAT		 0.00 0.00 0.00 0.00 - 0.00 -1.77 -1.28 - 2.29 1.73
Net Debt to NOPAT		 0.00 0.00 0.00 0.00 - 0.00 11.79 9.98 - -16.86 -9.52
Long-Term Debt to NOPAT		 0.00 0.00 0.00 0.00 - 0.00 -1.77 -1.28 - 2.29 1.73
Altman Z-Score		 -1.29 -1.02 -0.78 0.00 - -1.05 -0.77 -0.33 - -0.53 -0.47
Noncontrolling Interest Sharing Ratio		 1.06% 0.92% 0.66% 0.00% - 0.96% 0.80% 0.00% - 0.37% 0.20%
Liquidity Ratios		 - - - - - - - - - - -
Current Ratio		 0.41 0.71 1.05 0.00 - 0.43 0.55 0.60 - 0.61 0.58
Quick Ratio		 0.41 0.71 0.99 0.00 - 0.43 0.55 0.60 - 0.61 0.58
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -131 56 134 -156 56 -197 -277 -44 218 -80 -166
Operating Cash Flow to CapEx		 -1,077.78% 520.59% -278.95% 1,376.47% - -1,227.59% 726.47% 482.86% - 265.63% 1,306.06%
Free Cash Flow to Firm to Interest Expense		 0.00 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00 0.00
Operating Cash Flow to Interest Expense		 0.00 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00 0.00
Operating Cash Flow Less CapEx to Interest Expense		 0.00 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00 0.00
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.14 0.16 0.19 0.00 - 0.26 0.26 0.24 - 0.27 0.25
Accounts Receivable Turnover		 1.66 1.77 1.98 0.00 - 2.43 2.21 1.90 - 2.11 1.76
Inventory Turnover		 0.00 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00 0.00
Fixed Asset Turnover		 0.00 0.00 0.00 0.00 - 0.00 0.00 1.83 - 1.88 1.52
Accounts Payable Turnover		 0.00 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00 0.00
Days Sales Outstanding (DSO)		 219.66 205.69 184.43 0.00 - 150.02 165.28 191.95 - 173.03 207.98
Days Inventory Outstanding (DIO)		 0.00 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00 0.00
Days Payable Outstanding (DPO)		 0.00 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00 0.00
Cash Conversion Cycle (CCC)		 219.66 205.69 184.43 0.00 - 150.02 165.28 191.95 - 173.03 207.98
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 56 -156 -255 0.00 0.00 9.40 26 47 -212 96 202
Invested Capital Turnover		 48.77 -2.19 -1.62 0.00 - -5.42 -3.71 19.15 - 9.10 4.45
Increase / (Decrease) in Invested Capital		 102 -79 -138 147 -56 165 281 47 -212 87 176
Enterprise Value (EV)		 -105 -63 -161 0.00 - 328 385 531 - 324 472
Market Capitalization		 218 444 421 421 - 641 703 905 - 677 736
Book Value per Share		 $15.82 $14.45 $13.10 $0.00 $14.86 $12.87 $13.22 $16.84 $17.21 $17.28 $17.88
Tangible Book Value per Share		 $12.65 $11.36 $10.13 $0.00 $12.19 $10.34 $10.77 $14.55 $14.97 $15.12 $15.77
Total Capital		 385 355 330 0.00 365 326 382 469 484 497 514
Total Debt		 0.00 0.00 0.00 0.00 0.00 0.00 48 48 48 48 48
Total Long-Term Debt		 0.00 0.00 0.00 0.00 0.00 0.00 48 48 48 48 48
Net Debt		 -329 -511 -585 0.00 -365 -316 -319 -375 -648 -353 -264
Capital Expenditures (CapEx)		 4.50 3.40 3.80 3.40 1.40 2.90 3.40 3.50 3.50 3.20 3.30
Debt-free, Cash-free Net Working Capital (DFCFNWC)		 -551 -551 -553 0.00 -519 -557 -553 -565 -251 -629 -675
Debt-free Net Working Capital (DFNWC)		 -409 -203 33 0.00 -321 -416 -354 -317 445 -353 -430
Net Working Capital (NWC)		 -409 -203 33 0.00 -321 -416 -354 -317 445 -353 -430
Net Nonoperating Expense (NNE)		 11 10 1.56 -4.18 -46 13 0.00 -95 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 -329 -511 -585 0.00 -365 -316 -308 -375 -648 -353 -264
Total Depreciation and Amortization (D&A)		 5.40 5.60 5.90 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Debt-free, Cash-free Net Working Capital to Revenue		 -262.71% -216.24% -182.50% 0.00% - -140.25% -130.00% -125.55% - -131.01% -132.99%
Debt-free Net Working Capital to Revenue		 -194.95% -79.73% 10.77% 0.00% - -104.78% -83.20% -70.52% - -73.61% -84.78%
Net Working Capital to Revenue		 -194.95% -79.73% 10.77% 0.00% - -104.78% -83.20% -70.52% - -73.61% -84.78%
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 ($1.80) ($1.47) ($0.34) $0.00 $1.81 ($1.91) $0.05 $3.90 $0.24 $0.27 $0.38
Adjusted Weighted Average Basic Shares Outstanding		 23.58M 24.23M 25.07M 0.00 24.70M 24.98M 25.34M 25.18M 25.25M 25.84M 26.20M
Adjusted Diluted Earnings per Share		 ($1.80) ($1.47) ($0.34) $0.00 $1.81 ($1.91) $0.05 $3.77 $0.31 $0.27 $0.38
Adjusted Weighted Average Diluted Shares Outstanding		 23.58M 24.23M 25.07M 0.00 24.70M 24.98M 26.02M 26.03M 26.01M 26.35M 26.55M
Adjusted Basic & Diluted Earnings per Share		 ($1.80) $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 24.31M 24.43M 24.36M 0.00 25.08M 25.16M 25.03M 25.34M 25.97M 26.04M 26.39M
Normalized Net Operating Profit after Tax (NOPAT)		 -24 -21 -9.38 -9.38 0.99 -32 5.07 4.83 6.00 7.10 10
Normalized NOPAT Margin		 -37.66% -24.10% -9.82% -9.82% - -28.94% 4.32% 4.01% - 5.84% 6.98%
Pre Tax Income Margin		 -60.62% -38.66% -5.45% -5.45% - -41.34% 3.41% 81.34% - 5.93% 7.60%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.00 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00 0.00
NOPAT to Interest Expense		 0.00 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00 0.00
EBIT Less CapEx to Interest Expense		 0.00 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00 0.00
NOPAT Less CapEx to Interest Expense		 0.00 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00 0.00
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 -3.65% -7.28% -10.55% -17.15% - -39.85% 8,850.00% 10.92% - 4.87% 1.40%
Augmented Payout Ratio		 -4.33% -7.98% -10.55% -17.15% - -39.85% 8,850.00% 40.00% - 4.87% 1.40%

Financials Breakdown Chart

Key Financial Trends

Hippo (NYSE:HIPO) has shown a major turnaround in recent quarters, with revenue growth, improving underwriting economics, and a return to profitability in the latest reported period. That said, the balance sheet still carries a large liability burden, and results can be lumpy because of investment income, reserve changes, and restructuring items.

  • Revenue is growing steadily. Q1 2026 revenue rose to $121.5 million from $120.4 million in Q4 2025 and $110.3 million in Q1 2025, showing continued top-line expansion.
  • Profitability improved sharply versus last year. Q1 2026 net income was $7.1 million, compared with a $47.7 million loss in Q1 2025 and a much larger loss in Q1 2024.
  • Operating income turned positive on a consistent basis. Hippo posted $7.2 million of operating income in Q1 2026, following $6.8 million in Q4 2025 and $4.0 million in Q2 2025.
  • Gross profit has stabilized at a healthier level. Q1 2026 gross profit was $39.1 million, roughly in line with recent quarters and far better than the deeply negative gross profit seen in early 2024.
  • Cash from operations remains positive in the latest quarter. Operating cash flow was $8.5 million in Q1 2026, a meaningful improvement from the negative operating cash flow posted in Q1 2025.
  • Cash and equivalents remain sizable. Hippo ended Q1 2026 with $275.4 million in cash and equivalents, supporting near-term flexibility.
  • Total equity improved sequentially. Common equity rose to $448.7 million in Q1 2026 from $421.5 million in Q3 2025.
  • Revenue growth has been modest, not explosive. Quarterly sales have generally moved from about $110 million in Q1 2025 to $121.5 million in Q1 2026, so the growth trajectory is improving but still measured.
  • Some quarterly earnings strength has come from investment and other income. For example, Q3 2025 included $95.0 million of other income, which boosted reported profitability and suggests earnings can be volatile.
  • Liabilities remain very large relative to equity. Q1 2026 total liabilities were $1.61 billion versus $448.7 million of equity, which is a leverage and risk consideration for investors.
  • Current liabilities are high. Q1 2026 current liabilities were $910.7 million, compared with only $557.5 million of current assets, implying a working-capital deficit on the face of the balance sheet.
  • Retained earnings remain deeply negative. Retained earnings were $(1.21) billion in Q1 2026, reflecting the company’s long history of losses.
  • Free cash flow is not yet consistently strong. While operating cash flow improved in Q1 2026, cash generation has been uneven across the last several years and quarters.
  • Results have been volatile over the multi-year period. Hippo moved from substantial losses in 2022–2024 to improvement in 2025–2026, but the swings show the business is still in a transition phase.

Bottom line: Hippo’s latest quarter shows clear progress, especially on profitability and operating cash flow. However, the company is still carrying a heavy liability load and has a history of volatile results, so investors should view the turnaround as promising but not yet fully de-risked.

08/03/26 08:54 AM ETAI Generated. May Contain Errors.

Hippo Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Hippo's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Hippo's net income appears to be on a downward trend, with a most recent value of $62.60 million in 2025, falling from -$141.40 million in 2020. The previous period was -$28.60 million in 2024. See Hippo's forecast for analyst expectations on what's next for the company.

Hippo's total operating income in 2025 was -$31.70 million, based on the following breakdown:
  • Total Gross Profit: $107.40 million
  • Total Operating Expenses: $139.10 million

Over the last 5 years, Hippo's total revenue changed from $51.60 million in 2020 to $468.60 million in 2025, a change of 808.1%.

Hippo's total liabilities were at $1.47 billion at the end of 2025, a 24.7% increase from 2024, and a 76.2% increase since 2020.

In the past 5 years, Hippo's cash and equivalents has ranged from $142.10 million in 2023 to $775.60 million in 2021, and is currently $218.30 million as of their latest financial filing in 2025.

Over the last 5 years, Hippo's book value per share changed from -2.30 in 2020 to 17.21 in 2025, a change of -849.4%.


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Financial statements for NYSE:HIPO last updated on 7/30/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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