What is the 13F Pro Quality Score for HIPO?

13F Pro ranks Hippo Holdings Inc. (HIPO) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View HIPO's current score at https://13fpro.ai/company/HIPO (free sign-up required for the full ranking).

Where does 13F Pro source HIPO data?

All Hippo Holdings Inc. fundamentals and ownership data come directly from SEC EDGAR. Hippo Holdings Inc. files with the SEC under CIK 1828105. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is HIPO in?

Hippo Holdings Inc. (HIPO) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What are HIPO's largest expenses?

Hippo Holdings Inc.'s latest 10-Q reports these as the largest expense items: Losses and loss adjustment expenses ($59.8M, +34% YoY); Insurance related expenses ($38.7M, +18% YoY); General and administrative expenses ($18.2M, +5% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

How often is HIPO research updated on 13F Pro?

HIPO's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Hippo Holdings Inc.(HIPO)Stock Analysis

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13F Pro Quality Score

69.6/100

Rank #255 of 2,961 stocksTOP 10%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

89.4/100

Profitability

87.6/100

Balance Sheet

74.1/100

Earnings Quality

20.7/100

Free Cash Flow

63.9/100

Institutional Flow

63.7/100

Revenue Scale

37.4/100

Dilution Risk

21.9/100

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Why HIPO Scores 70/100

exact factor attribution · 2026-09-11

HIPO's composite is driven by revenue growth and profitability, held back by earnings quality and scale. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Revenue growth

+10.5 pts

89th pct

Profitability

+7.5 pts

88th pct

Capital efficiency

+3.2 pts

74th pct

Free cash flow

+2.1 pts

64th pct

Earnings growth

+1.8 pts

77th pct

Institutional flow

+0.9 pts

64th pct

Shareholder dilution

-1.9 pts

22th pct

Scale

-2.5 pts

37th pct

Earnings quality

-2.9 pts

21th pct

Latest change (2026-07-30): 59 → 63 · ↑ Free cash flow 44→65; ↑ Capital efficiency 58→70; despite ↓ Revenue growth 91→75

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

HIPO Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for Hippo Holdings Inc. (HIPO), a Financials sector company. 13F Pro's AI-powered ranking engine scores HIPO at 69.6/100 on a 32-signal composite quality model, placing it at rank #255 of 2,961 stocks — the top 10% of the AI-ranked universe. HIPO scores in the top quartile across revenue growth (89.4), profitability (87.6). Areas of concern include earnings quality (20.7) and revenue scale (37.4), which score below median versus the broader universe. Shareholder dilution risk is elevated at 21.9/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), Hippo Holdings Inc. reports quarterly revenue of $144.7M, net income of $10.1M, free cash flow of $43.0M. Top institutional holders of HIPO by reported 13-F value include BlackRock, Bond Capital Management, Hood River Capital Management, based on the most recent SEC filings. HIPO trades on the NYSE exchange and files with the SEC under CIK 1828105. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate HIPO daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Hippo Holdings Inc. directly from SEC EDGAR. Hippo Holdings Inc.'s 13F Pro composite quality score has ranged between 23 and 70 since 2022, currently 69.6 — an improving long-term trajectory across 64 quarterly and live scoring snapshots.

✦

Fun facts about Hippo Holdings Inc.

Quirks, history, and lore behind HIPO — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. insurtech company · listed on the NYSE · headquartered in Palo Alto, California · focused on the homeowners insurance market.
2
The Numbers
A small-cap company that went public via SPAC merger around 2021, it has struggled with underwriting losses as catastrophe-prone home insurance proves a tough business to disrupt.
3
The History
Founded in 2019, it grew rapidly by promising to modernize home insurance using data and technology — writing policies in states where traditional insurers were quietly fleeing.
4
The Secret
Its secret weapon is a proactive protection model — using satellite imagery and smart-home sensors to spot risks before a claim ever happens, not just after the roof caves in.
5
The Lore
Its name is a semi-aquatic mammal known for being surprisingly aggressive and territorial — perhaps a fitting mascot for a startup trying to muscle into a $100 billion home insurance market.
6
The Giveaway
This Palo Alto insurtech named after a large, water-loving African mammal trades under a ticker that's just four letters away from the animal itself — HIPO, one 'p' short of the zoo.

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What's Driving HIPO's Business? Latest 10-Q Breakdown

✓ 36/36 datapoints verified

AI-extracted from Hippo Holdings Inc.'s 10-Q filed 2026-07-30 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Hippo grew Q2 revenue 23% YoY to $144.7M and swung to $10.1M net income attributable to Hippo, driven by 26% growth in net earned premium and a combined ratio improvement to 95.8% from 100.1%.

Biggest Revenue Drivers

Net earned premium$118.7M+26% YoY

Earnings of increased gross written premium volume and increased retention across Commercial Multi-Peril and Casualty lines

Commission income, net$15.7M+7% YoY

Higher fronting fee revenue from third-party MGA partners, partly offset by lower agency commissions after the homebuilder distribution network sale

Biggest Revenue Drivers

Total revenue: $144.7M+23% YoY

Net earned premium$118.7M+26% YoY

Earnings of increased gross written premium volume and increased retention across Commercial Multi-Peril and Casualty lines

Within Net earned premium

Commercial Multi-Peril$23.8M+100% YoY

Casualty$10.7M+1238% YoY

Commission income, net$15.7M+7% YoY

Higher fronting fee revenue from third-party MGA partners, partly offset by lower agency commissions after the homebuilder distribution network sale

Net investment income$6.6M+16% YoY

Higher average balance in cash and investments

Largest Expense Items

Losses and loss adjustment expenses$59.8M+34% YoY

Increase in non-catastrophe losses tied to premium growth on Commercial Multi-Peril and Casualty lines

Insurance related expenses$38.7M+18% YoY

Increase in net acquisition expenses due to increased premium

General and administrative expenses$18.2M+5% YoY

Increase in employee-related expenses from higher headcount

Technology and development expenses$10.1M+25% YoY

Transfer of headcount into technology and development plus headcount added to support a transition services agreement

Margins: Combined ratio improved to 95.8% from 100.1% YoY as expense ratio fell to 45.4% from 53.1% on lower headcount costs, though the net loss ratio rose to 50.4% from 47.0% due to smaller favorable prior-year reserve development.

Watch Items from the Filing

Gross written premium is geographically concentrated: California, Texas, New York and Florida together represent 62% of Q2 GWP (18%, 18%, 14%, 12% respectively).
Casualty line gross written premium grew 177% YoY to $179.5M, now the largest GWP line by business mix, raising reserve-adequacy questions for a newer book.
Net loss ratio increased to 50.4% from 47.0% YoY, driven by lower favorable prior-year reserve development versus the year-ago quarter.
Effective June 1, 2026, Hippo restructured its catastrophe reinsurance into a single Group Cat program with a $512.9M occurrence limit and $776.9M aggregate limit, alongside a new whole-account quota share.
Prior-year loss development included a $2.6M gain from a reinsurance commutation, contributing roughly 2 percentage points of benefit to the non-catastrophe loss ratio this quarter.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$144.7M

Net Income

Q2 2026

$10.1M

Free Cash Flow

Q2 2026

$43.0M

ROIC

Q2 2026

9.4%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+25.9% YoY

$468.6MFY 2025

FY22 $119.7MFY23 $209.7MFY24 $372.1MFY25 $468.6M

Net Income

+242.5% YoY

$57.7MFY 2025

FY22 $-333.4MFY23 $-273.1MFY24 $-40.5MFY25 $57.7M

EPS (Diluted)

+235.4% YoY

$2.22FY 2025

FY22 $-14.66FY23 $-11.58FY24 $-1.64FY25 $2.22

Total Assets

+23.5% YoY

$1.91BFY 2025

FY22 $1.57BFY23 $1.52BFY24 $1.54BFY25 $1.91B

Op. Cash Flow

-80.6% YoY

$9.2MFY 2025

FY22 $-161.5MFY23 $-92.4MFY24 $47.5MFY25 $9.2M

Free Cash Flow

-80.7% YoY

$9.1MFY 2025

FY22 $-166.4MFY23 $-122.0MFY24 $47.2MFY25 $9.1M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$468.6M +25.9%	$372.1M +77.4%	$209.7M +75.2%	$119.7M +31.3%	$91.2M +76.7%	$51.6M
Net Income	$57.7M +242.5%	$-40.5M +85.2%	$-273.1M +18.1%	$-333.4M +10.2%	$-371.4M -162.5%	$-141.5M
EPS (Diluted)	$2.22 +235.4%	$-1.64 +85.8%	$-11.58 +21.0%	$-14.66 +57.0%	$-34.11 -1992.6%	$-1.63
Total Assets	$1.91B +23.5%	$1.54B +1.2%	$1.52B -2.8%	$1.57B -4.5%	$1.64B +67.7%	$979.4M
Operating Cash Flow	$9.2M -80.6%	$47.5M +151.4%	$-92.4M +42.8%	$-161.5M -29.7%	$-124.5M -90.4%	$-65.4M
Free Cash Flow	$9.1M -80.7%	$47.2M +138.7%	$-122.0M +26.7%	$-166.4M -32.8%	$-125.3M -90.4%	$-65.8M

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Available Research

13F Pro tracks comprehensive data for Hippo Holdings Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of HIPO

BlackRock, Inc.
$42.3M1,498,306 sh
Bond Capital Management, LP
$29.8M1,054,035 sh
Hood River Capital Management LLC
$25.5M901,429 sh
VANGUARD CAPITAL MANAGEMENT LLC
$25.4M898,021 sh
GEODE CAPITAL MANAGEMENT, LLC
$18.3M646,908 sh
WESTERLY CAPITAL MANAGEMENT, LLC
$18.2M645,000 sh
STATE STREET CORP
$12.5M443,716 sh
DIMENSIONAL FUND ADVISORS LP
$12.0M423,959 sh
BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
$11.4M403,590 sh
MORGAN STANLEY
$8.1M287,803 sh

Fund	Value	Shares
BlackRock, Inc.	$42.3M	1,498,306
Bond Capital Management, LP	$29.8M	1,054,035
Hood River Capital Management LLC	$25.5M	901,429
VANGUARD CAPITAL MANAGEMENT LLC	$25.4M	898,021
GEODE CAPITAL MANAGEMENT, LLC	$18.3M	646,908
WESTERLY CAPITAL MANAGEMENT, LLC	$18.2M	645,000
STATE STREET CORP	$12.5M	443,716
DIMENSIONAL FUND ADVISORS LP	$12.0M	423,959
BANCO BILBAO VIZCAYA ARGENTARIA, S.A.	$11.4M	403,590
MORGAN STANLEY	$8.1M	287,803

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Is HIPO a good stock to buy?

13F Pro's AI-powered analysis of Hippo Holdings Inc. (HIPO) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for HIPO are available on the HIPO stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. HIPO is classified as a small company.

Which hedge funds own HIPO?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling HIPO. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Hippo Holdings Inc.'s investment landscape.