CATALYSTYahoo • 1d ago
Hippo (HIPO) Q3 2026 Earnings Call TranscriptCasualty lines surge 146% as Hippo raises full-year guidance on improved underwriting.
Why HIPO Stock slipped -1.46% Today — RQD Quant Desk Flash
$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.
ROARABLE D+ • SELL / AVOID
Cap $980.6M
INTERACTIVE SCENARIO DECK:
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
50
Q2 (-2Q)Grade C-$35.28+9% Next Q
53
Q3 (-1Q)Grade C$38.44-3.3% Next Q
55
CurrentGrade D+$37.16+0% Hist 90D α
58
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
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”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why HIPO Stock slipped -1.46% Today — RQD Quant Desk Flash
Hippo Holdings Inc. (HIPO) slipped -1.46% to $37.16, trading at 85% of its 52-week range ($24.08 – $39.39). Stretched risk/reward at 16x P/E (14% return on capital) under elevated 10-year interest-rate pressure.
- ▸Technical Tape: Trading at 85% of its 52-week range ($24.08 – $39.39) with RSI-14 at 60 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±7.3% around $37.16 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable D+ (Sell) backed by 52% gross margin and $9.1M annual free cash flow.
Live HIPO Headlines & Catalysts
CATALYSTYahoo • 1d ago
Hippo Holdings (HIPO) Q3 Earnings Lean On Underwriting GainsHippo Holdings came into this Q3 2026 report with its stock up solidly over the past month yet off a touch today, slipping about 1.4% to US$36.64. The reputation is high growth and premium pricing on a rich P/E multiple.
CATALYSTBenzinga • 2d ago
B. Riley Securities Reiterates Buy on Hippo Holdings, Raises Price Target to $50B. Riley Securities analyst Timothy D'Agostino reiterates Hippo Holdings (NYSE:HIPO) with a Buy and raises the price target from $41.5 to $50.
MARKET WIRESeekingAlpha • 3d ago
Hippo Holdings Inc. (HIPO) Q3 2026 Earnings Call TranscriptHippo Holdings Inc. (HIPO) Q3 2026 Earnings Call October 29, 2026 8:00 AM EDTCompany ParticipantsCharles Sebaski - Head of Investor RelationsRichard...
CATALYSTYahoo • 3d ago
Hippo Q3 Earnings Call HighlightsHippo (NYSE:HIPO) reported third-quarter 2026 net income of $9 million and adjusted net income of $20 million, as the insurance company said premium growth, portfolio diversification and lower expenses supported a fifth
MARKET WIREFintel • 3d ago
Hippo Holdings Inc. Reports Third Quarter 2026 Financial ResultsCATALYSTChartMill • 3d ago
Hippo Holdings (NYSE:HIPO) Soars on Q3 Profit Beat as Revenue Comes In LineHippo Holdings Q3 2026 adjusted EPS $0.74 beat estimates; $20M adjusted net income and $156M revenue in line, driving a strong premarket move.
MARKET WIREYahoo • 3d ago
Hippo Holdings (HIPO) Reports Q3 Earnings: What Key Metrics Have to SayAlthough the revenue and EPS for Hippo Holdings (HIPO) give a sense of how its business performed in the quarter ended September 2026, it might be worth considering how some key metrics compare with Wall Street estimates
MARKET WIREYahoo • 3d ago
Hippo Reports Third Quarter 2026 Financial ResultsHippo Holdings Inc. (NYSE: HIPO), a technology-native insurance platform reported net income of $9 million, or $0.33 per diluted share and adjusted net income of $20 million, or $0.74 per diluted share, for the quarter e
MARKET WIREYahoo • 3d ago
Hippo Holdings Inc. (HIPO) Tops Q3 Earnings and Revenue EstimatesHippo Holdings (HIPO) delivered earnings and revenue surprises of +54.17% and +0.87%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
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
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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
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 0001828105In 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 ENABLEDIs 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 × FREDWhy is HIPO stock moving today?
Why HIPO Stock slipped -1.46% Today — RQD Quant Desk Flash. Stretched risk/reward at 16x P/E (14% return on capital) under elevated 10-year interest-rate pressure.