Hippo Holdings Inc.
hippo.comWhat Do They Do?
Provides homeowners’, renters’ and commercial insurance to individuals and businesses through its own and partner insurance program administrators.
10-K for FY2025, filed Mar 5, 2026Hippo Holdings Inc. (“Hippo”) is a technology-native insurance holding company that, through its subsidiaries, delivers a broad range of…View ↗
Hippo had $436.1 million of stockholders’ equity at year-end 2025, operates as a multi-carrier platform and strives to be the carrier of…View ↗
Hippo operates and reports its underwriting business on a gross written, net written, and net earned premium basis across five main lines…View ↗
Commercial Multi-Peril includes commercial property and packaged property and liability coverage for small to mid-sized commercial insureds…View ↗
How Do They Make Money?
Hippo earns premiums from customers over the term of each policy; it receives policy-placement commissions and policy fees when coverage takes effect, reinsurance commissions and fronting fees over policy terms, and interest on investments.
10-K for FY2025, filed Mar 5, 2026Net earned premium represents the earned portion of the Company’s gross written premium for insurance policies written or assumed by the…View ↗
Commission income, net includes agency commission which the Company earns from the unaffiliated carriers whose policies it sells, ceding…View ↗
Service and fee income mainly represents policy fees and other revenue. The Company directly bills policyholders for policy fees and…View ↗
Net investment income represents interest earned from fixed maturity securities, short-term investments and other investments, and the…View ↗
$468.6M
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10-K for FY2025, filed Mar 5, 2026
$468.6M ↗
Who Are Their Customers?
Customers buy through direct-to-consumer channels, independent agents and embedded partnerships; business customers include small and mid-sized commercial insureds. Hippo also provides insurance capacity and related services to its own and third-party insurance program administrators.
10-K for FY2025, filed Mar 5, 2026Hippo Holdings Inc. (“Hippo”) is a technology-native insurance holding company that, through its subsidiaries, delivers a broad range of…View ↗
Hippo had $436.1 million of stockholders’ equity at year-end 2025, operates as a multi-carrier platform and strives to be the carrier of…View ↗
Commercial Multi-Peril includes commercial property and packaged property and liability coverage for small to mid-sized commercial insureds…View ↗
Differentiated Go-to-Market Strategy: Hippo employs an omni-channel distribution strategy that meets customers where they are, whether…View ↗
Hippo is an insurance holding company with subsidiaries that provide property and casualty insurance products to both individuals and…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 12 cents of every revenue dollar as net income in FY2025 and turned 2 cents into free cash flow.
How Are They Changing?
- Net income
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Sources
10-Q for Q2 FY2026, filed Jul 30, 2026
$10.1MView ↗
- ▲ +677%
- vs $1.3M in Q2 FY2025
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Jul 30, 2026
Raised full-year guidance for gross written premium and adjusted net income
For full-year 2026, it expects over $1.65 billion of gross written premium and upwards of $70 million of adjusted net income.
Sources
8-K, filed Jul 30, 2026
Hippo Reports Second Quarter 2026 Financial Results July 30, 2026 SAN JOSE, Calif. (PRNewswire) -- Hippo Holdings Inc. (NYSE: HIPO), a…View ↗
Growing. Revenue grew 5.1x in 4 years, from $91.2M in FY2021 to $468.6M in FY2025, about 51% a year.
From homeowner services to a multi-line insurance platform
The older report centers on home protection for homeowners, including smart-home devices and home-maintenance services. The latest report describes a multi-carrier platform spanning personal and commercial insurance and providing capacity and related services to insurance program administrators.
10-K for FY2022, filed Mar 2, 2023 10-K for FY2025, filed Mar 5, 2026Hippo is a different kind of home protection company, built from the ground up to provide a new standard of care and protection for…View ↗
Beyond a core insurance experience that is simple, intuitive, and human, we focus our resources on Hippo’s true promise: better outcomes…View ↗
Through our mobile app, a homeowner can get a dynamic assessment of the health of their home. A personalized checklist in the app provides…View ↗
Hippo Holdings Inc. (“Hippo”) is a technology-native insurance holding company that, through its subsidiaries, delivers a broad range of…View ↗
Hippo had $436.1 million of stockholders’ equity at year-end 2025, operates as a multi-carrier platform and strives to be the carrier of…View ↗
Hippo is an insurance holding company with subsidiaries that provide property and casualty insurance products to both individuals and…View ↗
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