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Hippo Holdings Inc. (HIPO) — RQD Stock Rating Cockpit

$37.16 -1.46% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $36.99

Hippo Holdings Inc. (HIPO) carries a Roarable Rating of D+ (Sell) with 58/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record: Scores of 58/100 (D+) historically posted market-perform odds over rolling 90-day windows (+0.0% avg 90D alpha vs SPY) →

ROARABLE D+ • SELL / AVOID Cap $980.6M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $36.99 (-0.45%)🧬 Disciplined Float (-0.32% YoY Shares)⚙️ Cash Engine: 8/20 (D-) • 1.9% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 58/100 (D+) historically posted market-perform odds over rolling 90-day windows (+0.0% avg 90D alpha vs SPY • 52.7% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

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

5-PILLAR SNOWFLAKE RADARRw D · Rk B-

Each axis scored 0–20

12M PRICE TARGET CONE+0% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for HIPO)Realized 20D OHLCV Swing Band: ±7.3%

Deterministic 5-Pillar Attribution (58/100 Composite)

🔍 WHY HIPO SCORES 58/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+15/20 pts (26% of score)

FRED Regime × Technicals: 85% of 52W Range • RSI-14 at 60 (BULLISH MOMENTUM)

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

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

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

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

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C-$33.97+3.9% Next Q

Q2 (-2Q)

Grade C-$35.28+9% Next Q

Q3 (-1Q)

Grade C$38.44-3.3% Next Q

Current

Grade D+$37.16+0% Hist 90D α

Trajectory: C- (50) → D+ (58)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the HIPO Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 58/100 (D+) 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) — 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 ($33.62) or 200D SMA ($29.44) invalidates the momentum regime and cuts Target Base ($37.16) toward Bear Floor ($28.98).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $HIPO• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “HIPO Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 58%NO 42%Trade / Inspect Odds →

RSI-14 MOMENTUMBULLISH MOMENTUM

6030 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

5 / 99-Pt Accounting

52-WEEK LASER RANGE85% OF RANGE

L: $24$37.16H: $39

1. Money & Cash Health● WEAK

Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: D-RQD 8 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: D+RQD 22 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: B-RQD 28 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on HIPO

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BEARISH (40)

14.4% ROIC with 42.0% gross margin and 0.93% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (62)

22/40 institutional & smart-money positioning score with 15/20 macro alignment.

Bull Case: Why Buyers Like HIPO

✓Established market leader in Financials with deep daily trading liquidity.

Bear Case: What Could Go Wrong

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

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring HIPO)

✓Walkthrough of HIPO's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

HIPO // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +41.13%▲ ASCENDING CHANNEL

2026-10-30O $37.74H $37.89L $36.34C $37.16VOL 282.0K

RES: $40.10SUP: $31.39SMA50: $33.62SMA200: $29.44

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

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

🦋 HIPO Butterfly Map → + Track HIPO →

Share Count & Dilution Monitor (#25)

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

Reverse-DCF Expectations Hurdle (#30)

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 (#33)

No active Ellis Vennor swing setup published on HIPO today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

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 →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (HIPO)

Financials Rank #612 of 1096 ⚔️ IGIC vs HIPO Full Matrix →

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

Industry: Property-Casualty Insurers (68 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Hippo Holdings Inc. (HIPO) ranks #612 by composite RQD confidence (58/100, grade D+) and #563 by equity capitalization ($980.6M). 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 — gross margin. HRTG currently holds the highest overall quantitative score in the immediate peer group at 79/100 (B+) compared with HIPO at 58/100 (D+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
HIPO ACTIVE Hippo Holdings Inc.	D+	58/100	15.7x	—	14.4%	-1.46%	$980.6M	Benchmark Subject
IGIC International General Insurance Holdings Ltd. Ordinary Share	D+	58/100	8.3x	—	17.9%	+1.69%	$1.06B	/igic-vs-hipo →
HRTG Heritage Insurance Holdings Inc.	B+	79/100	5.5x	—	85.0%	+4.06%	$1.07B	/hrtg-vs-hipo →
EIG Employers Holdings Inc	D	48/100	81.6x	—	1.1%	-4.53%	$881.5M	/eig-vs-hipo →
DGICB Donegal Group Inc. (Class B)	D+	57/100	11.1x	—	12.4%	-8.49%	$879.7M	/dgicb-vs-hipo →

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

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001828105

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	—
FY2024 (FY)	2024-12-31	$372.1M	-$28.6M	$47.5M	$47.2M	$1.54B	—
FY2023 (FY)	2023-12-31	$209.7M	-$263.0M	-$92.4M	-$92.4M	—	—

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

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

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

As of 2026-11-01, Hippo Holdings Inc. (NYSE: HIPO) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 58/100 at a spot price of $37.16 (-1.46% 1D, market cap $980.6M). Pillar breakdown: Fundamental Cash Engine 8/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 13/20. Across 1096 tracked Financials issuers, HIPO ranks #612 in composite RQD confidence.

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

Within the Financials sector (Property-Casualty Insurers), HIPO carries a Roarable D+ (58/100 RQD), trailing P/E of 15.7x, gross margin of —, and ROIC of 14.4%. By comparison, IGIC (International General Insurance Holdings Ltd. Ordinary Share) holds a D+ grade (58/100 RQD, P/E 8.3x, ROIC 17.9%, cap $1.06B) and HRTG (Heritage Insurance Holdings Inc.) posts a B+ grade (79/100 RQD, P/E 5.5x, ROIC 85.0%, cap $1.07B). 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: Established market leader in Financials with deep daily trading liquidity.. 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 $37.16 (-1.46% on volume of 423,678 shares), positioning the stock +10.53% above its 50-day simple moving average ($33.62) and +26.22% above its 200-day simple moving average ($29.44). Across its 52-week range of $24.08 to $39.39, HIPO sits at the 85.4% percentile with a 14-day RSI of 60.0 (BULLISH MOMENTUM) and an implied next-earnings move of ±7.3% ($34.45 to $39.87).

HIPO Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell HIPO stock right now?

Hippo Holdings Inc. (HIPO) currently earns a Roarable Rating of D+ (Sell — SELL) with 58/100 RQD Confidence. Stretched risk/reward at 16x P/E (14% return on capital) under elevated 10-year interest-rate pressure.

What is HIPO's 12-month price target and RQD AI Jury consensus?

HIPO's 12-month base price target is $37.16 (range $28.98 to $43.85), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

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