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Our Company In August 2021, Hippo Enterprises Inc., a Delaware corporation ( Old Hippo ) completed a business combination resulting in Old Hippo becoming a wholly owned subsidiary of, Reinvent Technology Partners Z, a Cayman Islands exempted company and special purpose acquisition company which at that time changed its name to Hippo Holdings Inc. Hippo Holdings Inc. ( Hippo ) is a technology-na…
$29.48
+$0.15 (+0.51%)
Live · 05:21 PM
Net margin is thin at 12.31%. This may reflect rising credit costs, rate compression, or operational inefficiency.
Revenue grew 25.9% YoY.
Financial stocks carry unique risks (credit cycles, regulatory changes, interest rate sensitivity) that aren't captured by standard quality metrics.
6.7x earnings. Below the sector average, the market may be pricing in credit losses or regulatory headwinds, or there's genuine value here.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
$480M
▲ +25.9% YoY
Net Income (TTM)
$110M
▲ +242.5% YoY
Net Margin
22.97%
P/E
6.7x
Balance Sheet
Total Assets
$2.06B
Equity
$449M
Total Debt
$4M
Cash & Equiv.
$401M
5Y CAGR: +55.5%
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At a P/E of 6.7 and a price-to-free-cash-flow of 14.6, Hippo Holdings (HIPO) trades below a two-stage DCF intrinsic value of about $60.18 per share, so at $29.48 the stock looks undervalued (104.1% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Hippo Holdings scores 74/100 on Intrinsiqq's quality scorecard (a solid business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about $60.18 per share for HIPO, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around $45.13. At today's $29.48, that puts the stock about 104.1% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Hippo Holdings scores 74 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a solid business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
That depends on valuation and quality together, not either alone. HIPO currently trades below its estimated intrinsic value and scores 74/100 on quality (solid). A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.