COMP <GO>

HIPO vs V // EV/EBITDA & P/E VALUATION

Hippo Holdings Inc. (NYSE) VS. Visa Inc. (NYSE) • 15-METRIC TALLY: HIPO 2 — V 7

■ METRIC PARITY

LAST: $35.70 (-2.54%) • MKT CAP: $950.4M

valuation

—

LAST: $425.51 (+2.88%) • MKT CAP: $760.28B

valuation

28.9x

15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (HIPO VS. V) EMERALD CELL = QUANTITATIVE EDGE

INSTITUTIONAL METRIC	HIPO	V	SPREAD (A - B)	ADVANTAGE	DEDICATED URL
Gross Profit Margin	—	—	—	TIE	/gross-margins <GO>
Return on Invested Capital (ROIC)	14.40%	32.30%	-17.90	V	/roic <GO>
EV/EBITDA & P/E Valuation ACTIVE	—	28.9x	—	TIE	/valuation <GO>
Free Cash Flow Yield	0.93%	2.90%	-1.97	V	/fcf-yield <GO>
Operating Margin	—	60.00%	—	TIE	/operating-margins <GO>
Net Profit Margin	13.40%	50.10%	-36.70	V	/net-margins <GO>
Revenue Growth (YoY)	25.90%	11.30%	+14.60	HIPO	/revenue-growth <GO>
Dividend Yield & FCF Payout Safety	0.00%	0.63%	-0.63	V	/dividend-safety <GO>
Altman Z-Score & Debt/Equity	—	9.09	—	TIE	/balance-sheet <GO>
Piotroski F-Score Quality	5/9	9/9	-4.00	V	/piotroski-score <GO>
Options Implied Move & Put/Call Skew	—	—	—	TIE	/options-implied-move <GO>
RSI-14 & 200D SMA Momentum	50.7	74.2	-23.50	V	/rsi-technicals <GO>
10Y Yield & FRED Macro Beta	—	1.06	—	TIE	/macro-sensitivity <GO>
Forward P/E Multiple	13.2x	34.0x	-20.80	HIPO	/forward-pe <GO>
Enterprise Scale & Market Cap	$950.4M	$760.28B	-$759.33B	V	/market-cap <GO>

5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY

FISCAL YEAR	HIPO REV	V REV	HIPO GROSS %	V GROSS %	HIPO FCF	V FCF
FY 2025	$468.6M	$40.00B	—	—	$9.1M	$21.26B
FY 2024	$372.1M	$35.93B	—	—	$47.2M	$18.33B
FY 2023	$209.7M	$32.65B	—	—	-$92.4M	$19.29B

FRED MACRO REGIME CORRELATION COMPARISON PEARSON r

HIPO // BETA —

V // BETA 1.06