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Hippo Holdings (HIPO)
NYSE:HIPO
Earnings Data
Report Date
May 07, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.11Last Year’s EPS
-1.91Same Quarter Last Year
Based on 2 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented a predominantly positive operational and strategic picture: strong top-line growth (GWP +24% to >$1.1B), impressive expansion in casualty and commercial multi-peril, meaningful improvements in loss and expense ratios, and constructive 2026 guidance including a materially higher adjusted net income target. Offsetting this progress are persistent GAAP underwriting losses (113% combined ratio for the year), a continued homeowner book contraction during the repositioning, wildfire-related catastrophe impacts and some program-level underperformance. Overall, management conveyed confidence in diversification, underwriting improvements, and profitability targets while acknowledging areas of ongoing transition and risk.Company Guidance
Record Annual Gross Written Premium
Generated over $1.1 billion of gross written premium in 2025, up 24% year over year — the first time exceeding $1.1B.
Strong Quarterly Top-Line Growth
Q4 gross written premium grew 40% year over year to $288 million, driven by commercial and casualty lines.
Material Growth in Commercial Lines
Commercial multi-peril GWP increased 75% year over year to $265 million (24% of 2025 GWP); casualty GWP increased 92% year over year to $264 million (24% of 2025 GWP).
Improved Underwriting and Loss Performance
Full-year net loss ratio improved 17 percentage points to 60%; non-cat loss ratio improved 11 points to 45%; cat loss ratio improved 6 points to 15%. Net combined ratio improved 25 points year over year to 113% for the full year, and Q4 net combined ratio improved 8 points to 99.4%.
Profitability and Earnings Improvement
Full-year net income attributable to Hippo was $58 million ($2.22 per diluted share), a $98 million improvement year over year. Q4 adjusted net income grew 20% year over year to $18 million ($0.67 per diluted share); full-year adjusted net income was $18 million ($0.68 per diluted share), a $38 million improvement year over year.
Portfolio Diversification Progress
Homeowners’ share of GWP declined to 34% in 2025 from 47% in 2024, reflecting growth in renters, casualty and commercial multi-peril and a more balanced premium mix.
Balance Sheet Strength
Total shareholders' equity at year-end was $436 million ($16.97 per share), up 17% from $362 million ($14.56 per share) at year-end 2024.
Positive 2026 Guidance
Company guides 2026 GWP growth of 27%–36% to $1.4B–$1.5B, NWP growth of 19%–28% to $500M–$540M, net combined ratio improving 8–10 points to 103%–105%, and adjusted net income of $45M–$55M (vs $18M in 2025).
HIPO Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
HIPO Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Feb 25, 2026 | $28.85 | $27.44 | -4.89% |
Nov 05, 2025 | $35.89 | $37.85 | +5.46% |
Aug 06, 2025 | $27.66 | $31.54 | +14.03% |
May 07, 2025 | $24.46 | $20.57 | -15.90% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Hippo Holdings (HIPO) report earnings?
Hippo Holdings (HIPO) is schdueled to report earning on May 07, 2026, After Close (Confirmed).
What is Hippo Holdings (HIPO) earnings time?
Hippo Holdings (HIPO) earnings time is at May 07, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is HIPO EPS forecast?
HIPO EPS forecast for the fiscal quarter 2026 (Q1) is 0.11.