Hippo Holdings (HIPO)
NYSE:HIPO
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Earnings Data
Report Date
Aug 06, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
-0.22Last Year’s EPS
0.05Same Quarter Last Year
Moderate Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed material positive momentum: very strong gross written premium growth (+58% YoY), continued profitability (fourth consecutive profitable quarter), substantive underwriting improvements (combined ratio 99.5%, large YoY improvement), successful commercial line expansion, technology/AI-driven efficiency gains, and upgraded full-year guidance. Key challenges include low net written premium growth and retention (31% vs 48% prior year), a meaningful Renters unearned premium adjustment, an elevated expense ratio (51.5%) with a multiyear path to reduce it, and a full-year combined ratio guide above 100% (103%–105%) that leaves results sensitive to CAT activity. On balance, the positive operational and growth developments and raised guidance outweigh the near-term accounting/retention and expense challenges.Company Guidance
Strong Top-Line Growth
Gross written premium of $332M in Q1, up 58% year-over-year (from $211M), driven by commercial lines and a return to growth in Homeowners.
Sustained Profitability
Fourth consecutive quarter of profitability: GAAP net income of $7M ($0.27/share) and adjusted net income of $17M ($0.65/share); GAAP improved by $55M and adjusted improved by $52M year-over-year.
Major Underwriting Improvement
Reported underwriting profit with a net combined ratio of 99.5%, an improvement of 60 percentage points year-over-year; net loss ratio improved to 48% (upside of 58 ppts YoY), CAT loss ratio improved to 4% (down 57 ppts YoY) and non-CAT loss ratio at 44% (improved 1 ppt).
Diversification and Commercial Momentum
Casualty GWP grew to $101M (193% YoY) and now represents 30% of total GWP (up from 16%); Commercial Multi-Peril GWP grew to $96M (89% YoY) and represents 29% of GWP; Homeowners GWP was $87M, showing a return to growth.
Technology and AI-Driven Efficiency Gains
Agentic AI deployed across claims and service: adjuster productivity ~30% higher, AI voice agent live on 100% of inbound/after-hours calls, early 10% improvement in average handle time; targets include >70% digital FNOL and resolving 50%+ of first-line service requests over 1–2 years.
Strategic Distribution Expansion
Announced and ramping a strategic Progressive partnership (complementary to Westwood) that went live earlier in the year, already exceeding expectations across ~8 initial states with plans to expand and accelerate Homeowners growth.
Upgraded Full-Year Guidance
Raised full-year guidance: GWP to $1.45B–$1.525B (from $1.4B–$1.5B), NWP to $520M–$550M (from $500M–$540M), introduced revenue guide $560M–$570M (19%–22% growth), and raised adjusted net income expectation to $48M–$56M (from $45M–$55M).
Improving Capital Position
Total shareholder equity increased to $449M ($17.23/share), up 2% from last quarter ($436M/$16.97).
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 |
|---|---|---|---|
Apr 30, 2026 | $28.22 | $26.33 | -6.70% |
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% |
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 Aug 06, 2026, After Close (Confirmed).
What is Hippo Holdings (HIPO) earnings time?
Hippo Holdings (HIPO) earnings time is at Aug 06, 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 (Q2) is -0.22.