Hippo Holdings Inc. (HIPO) intrinsic value & 10-year financials

Hippo Holdings Inc. (HIPO) has a Graham intrinsic value of $73.74 per share. At $35.28 on Oct 17, 2026, the stock trades 52% below that value. Over the last 7 fiscal years revenue grew 55.5% a year to $468.6M, with an average return on invested capital of -18.3%.

Graham intrinsic value
$73.74
Share price (Oct 17, 2026)
$35.28
Price vs Graham value
52% below
Market cap
$917.7M
Revenue (FY2025)
$468.6M
Revenue growth (7-yr CAGR)
55.5%
ROIC (10-yr avg)
-18.3%
Free cash flow (FY2025)
$9.1M

HIPO 10-year financial history

Fiscal year Revenue Net income EPS (diluted) Free cash flow Operating margin ROIC
FY2025 $468.6M $57.7M $2.22 $9.1M — 14.5%
FY2024 $372.1M -$40.5M -$1.64 $47.2M — -10.9%
FY2023 $209.7M -$273.1M -$11.58 -$122.0M — -56.4%
FY2022 $119.7M -$333.4M -$14.66 -$166.4M — -46.0%
FY2021 $91.2M -$371.4M -$1.36 -$125.3M — -112.5%
FY2020 $51.6M -$141.5M -$0.54 -$65.8M — 101.8%
FY2019 — — — — — —

Source: annual 10-K filings on SEC EDGAR. Figures in USD.

Executive summary

Hippo Holdings Inc. revenue growth over the past decade is N/A; insufficient history prevents a reliable 10-year CAGR calculation.

Hippo Holdings Inc. 10-year average ROIC is N/A; capital efficiency cannot be assessed from the available history.

Hippo Holdings Inc. capital allocation metrics are N/A for the decade; share count and net debt history are incomplete.

Benjamin Graham lens

Under Benjamin Graham's formula using SEC EDGAR fundamentals, Hippo Holdings Inc. is modeled at 15.0% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $73.74 per share.

HIPO stock: frequently asked questions

What is the intrinsic value of Hippo Holdings Inc. (HIPO) stock?

Using Benjamin Graham's revised formula, V = EPS × (8.5 + 2g) × 4.4 / Y, with reported diluted earnings per share, a 15.0% normalized growth rate (capped at 15%) and a 5.1% AAA corporate bond yield, HIPO's intrinsic value is about $73.74 per share.

Is HIPO stock undervalued?

At $35.28 (close on Oct 17, 2026), HIPO trades 52% below its Graham value of $73.74. On Graham's terms that leaves a margin of safety. A formula is a starting point for research, not a recommendation.

Does Hippo Holdings Inc. generate free cash flow?

Hippo Holdings Inc. generated $9.1M of free cash flow (operating cash flow minus capital expenditures) in fiscal 2025. Free cash flow was positive in 2 of the last 6 reported years.

What is HIPO's return on invested capital?

Average ROIC over the last 7 fiscal years was -18.3%, and average return on equity was -18.3%. Sustained ROIC above about 15% usually points to a durable competitive advantage.

Where does this HIPO data come from?

From Hippo Holdings Inc.'s annual 10-K filings on SEC EDGAR, most recently filed Jul 30, 2026. Prices are end-of-day snapshots; valuations are formula outputs, not investment advice.

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