NYSE$HIPO

Hippo Holdings Inc · Q1 2022 earnings

Q1 2022 earnings · · Investor relations

Briefing

Hippo had a strong start to 2022, demonstrating growth and improved loss ratio.

Hippo's Q1 2022 results showed strong growth with a 25% increase in Total Generated Premium and a 44% increase in revenue. The Gross Loss Ratio improved significantly to 76%. The company ended the quarter with a strong financial position, holding $772 million in cash and investments.

  • Total Generated Premium grew 25% year-over-year.
  • Revenue increased by 44% compared to the prior year quarter.
  • Gross Loss Ratio improved to 76%, a 122 percentage point decrease year-over-year.
  • Hippo Homeowners premium retention rate remained high at 87%.

Headline financials

Total Revenue

$24.5M

Previous: $17M+44.1%
EPS (adj)

-$3.00

Previous: -$50.75+94.1%
Capital Expenditures

-$2.4M

No prior period
Free Cash Flow

-$70M

Previous: -$15.5M-351.6%
Net Income

-$67.6M

Previous: -$2.63M-2468.3%
Operating Income

-$32M

Previous: -$562K-5598.2%
Gross Profit

$11.3M

Previous: -$2.07M+645.8%
Cash & Equivalents

$772M

Previous: $214K+360622.4%
Total Assets

$772M

Previous: $231M+233.9%
Stock-Based Comp

$13.4M

Previous: $2.5M+436.0%

Revenue & EPS history

Hippo Holdings · Revenue · Quarterly

$24.5M

Q1 2022+44.1%vs Q1 2021
Beat estimate in 4 of 10 quarters(40%)
ActualEstimate

Forward guidance

Hippo maintains its full year 2022 guidance, expecting TGP in the range of $800-820 million, Revenue in the range of $140-$142 million, and a Gross Loss Ratio below 100%.

Tailwinds

  • Expected TGP in the range of $800-820 million
  • Revenue expected in the range of $140-$142 million
  • Gross Loss Ratio expected to be below 100%
  • Continued material improvement expected.
  • Hippo is planning an Investor Day on September 6 in New York City

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2022

Historical avgQ1 2022

+1.9%

Avg return

Earnings day

-0.4%

Avg return

5 days after

-1.2%

Avg return

30 days after

64%

14 / 22 earnings

Positive

+35.6%

Q3 2023

Best reaction

-22.0%

Q2 2023

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-1.9%-5.9%-10.3%
Q4 2025-5.3%-1.7%-12.3%
Q3 2025+5.5%-6.4%-15.2%
Q1 2025-15.9%-7.2%+13.4%
Q4 2024+2.3%-6.7%-23.3%
Q3 2024-3.3%+10.3%+69.8%
Q2 2024+18.5%+20.0%+15.9%
Q1 2024-0.1%-1.0%-3.9%
Q4 2023+27.6%+27.2%+66.3%
Q3 2023+35.6%+29.7%+23.7%
Q2 2023-22.0%-33.0%-29.3%
Q1 2023+7.1%+4.1%-9.2%
Q4 2022+0.1%-0.5%-2.2%
Q3 2022+4.1%-7.5%-9.4%
Q2 2022+10.9%+5.3%+15.6%
Q1 2022-17.2%-4.1%-26.6%
Q4 2021+1.0%-4.1%-2.6%
Q4 2020+2.0%-2.7%-30.1%
Q3 2021+2.0%-2.7%-30.1%
Q3 2020+2.0%-2.7%-30.1%
Q2 2021-11.8%-20.3%+2.7%
Q1 2021+0.2%+0.6%+0.8%
Q2 2020
Q1 2020

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