The earnings call was marked by significant positive developments, including strategic partnerships, substantial revenue growth, improved profitability, and a positive outlook for future performance. However, challenges in the homeowners insurance market and a reduction in HHIP gross written premium were noted.

Company Guidance

In the Q2 2025 earnings call, Hippo provided updated guidance and highlighted key performance metrics. The company reported a 31% increase in revenue to $117 million and a 16% growth in gross written premiums to $299 million. A significant achievement was the improvement in consolidated net loss ratio, which dropped to 47% due to better underwriting and claims operations, alongside favorable reserve developments. Hippo managed to decrease fixed expenses by 16% while growing revenue by over 30% year-over-year. This operational efficiency led to the company posting its first positive net income from operating activities. Looking ahead, Hippo adjusted its full-year 2025 guidance, increasing the lower end of its gross written premium forecast to between $1.07 billion and $1.1 billion. Additionally, the company revised its net income guidance from a loss to a positive range of $35 million to $39 million, driven by improved net loss ratios and a one-time gain from asset sales. The strategic partnership with the Baldwin Group is expected to further enhance premium growth and diversification across business lines.

Strategic Partnership with Baldwin Group

Hippo announced a strategic partnership with Baldwin Group, which is expected to accelerate premium growth and enable faster diversification. This partnership includes distributing Hippo's newly built homeowners product through Baldwin's Westwood Insurance Agency, expanding reach to new home closings.

Positive Net Income from Operating Activities

Hippo achieved positive net income from operating activities for the first time in its history, demonstrating substantial improvement in profitability year-over-year.

Revenue Growth and Operating Leverage

Hippo's revenue grew by 31% year-over-year to $117 million, while fixed expenses decreased by 16%, showcasing improved operating leverage.

Improved Net Loss Ratio

The consolidated net loss ratio improved 46 percentage points year-over-year to 47%, driven by enhanced claim operations and favorable reserve development.

Raised Full Year Guidance

Hippo raised its full-year guidance for several key metrics, including gross written premium and net income, indicating strong future performance expectations.

Hippo Holdings (HIPO) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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HIPO Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 06, 2025	2025 (Q3)	3.03 / -	-0.34	―	―	―
Aug 06, 2025	2025 (Q2)	-0.68 / 0.05	-1.64	103.05% (+1.69)	―
May 07, 2025	2025 (Q1)	-1.58 / -1.91	-1.47	-29.93% (-0.44)	―
Mar 06, 2025	2024 (Q4)	-0.17 / 1.71	-1.76	197.16% (+3.47)	―
Nov 08, 2024	2024 (Q3)	-0.91 / -0.34	-2.24	84.82% (+1.90)
Aug 08, 2024	2024 (Q2)	-1.57 / -1.64	-4.61	64.43% (+2.97)	―
May 02, 2024	2024 (Q1)	-1.31 / -1.47	-3.01	51.16% (+1.54)	―
Mar 06, 2024	2023 (Q4)	-1.98 / -1.76	-2.74	35.77% (+0.98)	―
Nov 02, 2023	2023 (Q3)	-2.40 / -2.24	-5.66	60.42% (+3.42)	―
Aug 08, 2023	2023 (Q2)	-2.76 / -4.61	-3.25	-41.85% (-1.36)	―

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
Aug 06, 2025	$27.66	$31.54	+14.03%
May 07, 2025	$24.46	$20.57	-15.90%
Mar 06, 2025	$29.59	$30.28	+2.33%
Nov 08, 2024	$23.62	$28.15	+19.18%

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 Nov 06, 2025, After Close (Confirmed).

What is Hippo Holdings (HIPO) earnings time?

Hippo Holdings (HIPO) earnings time is at Nov 06, 2025, 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 2025 (Q3) is 3.03.

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