Stock Ratings / Financials / HIPO / options

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Hippo Holdings Inc. (HIPO) Options Positioning, Max Pain & Unusual Sweeps

$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

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on HIPO Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is HIPO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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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.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does HIPO compare to IGIC and HRTG in the Financials sector?

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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).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for HIPO?

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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.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

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 →

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±7.3%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (HIPO)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for HIPO.

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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

🦋 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?

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

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

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

What is HIPO's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for HIPO.

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