Hippo Holdings Inc. (HIPO) Valuation

Valuation

Model-based estimates, not advice. The DCF is the discounted-cash-flow value per share; compare it with the price, not as a target.

DCF fair value

-1934.1%

-$680.08

vs $37.08 price

Levered DCF

-$655.65

After debt service

Piotroski score

6 / 9

Average

Altman Z-score

0.09

Distress zone

Rating

C+

Overall 2 / 5

Ratios by fiscal year

Margins and yields are shares of revenue, equity or price; multiples are ×.

Metric	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019
P/E	13.19×	-16.32×	-0.79×	-0.95×	-2.98×	-7.07×	-1.68×
P/B	1.74×	1.83×	0.57×	0.52×	1.27×	-5.01×	1.17×
P/S	1.62×	1.78×	1.03×	2.58×	12.01×	19.37×	4.01×
EV / EBITDA	7.09×	-112.77×	-0.36×	-0.46×	-2.03×	-7.42×	40×
Gross margin	50.9%	20.0%	-39.8%	-49.6%	-16.1%	32.2%	100.0%
Operating margin	13.5%	-7.4%	-125.2%	-271.7%	-402.6%	-277.5%	-206.9%
Net margin	12.3%	-10.9%	-130.2%	-278.5%	-407.2%	-274.2%	-239.5%
Current ratio	1.15×	1.36×	1.31×	1.61×	6.3×	0×	1.28×
Debt / equity	0.12×	0.03×	0.04×	0.05×	0×	-1.37×	0×
Interest coverage	0×	0×	0×	0×	-1.85×	-5.51×	0×
Dividend yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Payout ratio	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%

Key metrics by fiscal year

Metric	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019
Return on equity	13.2%	-11.2%	-72.3%	-56.5%	-43.2%	70.9%	-70.0%
Return on invested capital	11.3%	-24.1%	-57.5%	-49.5%	-32.1%	0.0%	-47.1%
Return on assets	3.0%	-2.6%	-17.9%	-21.3%	-22.6%	-14.4%	-48.7%
Free cash flow yield	1.2%	7.1%	-64.7%	-58.6%	-13.0%	-7.5%	-21.5%
Earnings yield	7.6%	-6.1%	-127.0%	-107.8%	-33.9%	-14.2%	-59.7%
Enterprise value	$593.7M	$473.6M	$87.7M	$143.8M	$319.3M	$820M	$116M
Net debt / EBITDA	-1.98×	44.67×	0.52×	0.53×	4.93×	1.62×	-8.03×
Cash conversion cycle (days)	35	-165	524	888	831	361	0