NYSE$HIPO
Hippo Holdings Inc · Q4 2025 earnings
Q4 2025 earnings · · Before market open · Investor relations
Briefing
Hippo reported Q4 2025 total revenue of $120.4M with net income of $6.0M ($0.23 diluted EPS) and adjusted EPS of $0.67.
Gross written premium rose 40% to $288 million while total revenue was $120.4 million. Net income attributable to Hippo was $6.0 million ($0.23 diluted EPS); adjusted net income was $17.6 million ($0.67 per share). Combined ratio improved to 99% from 107% a year ago.
- GWP +40% to $288M; total revenue $120.4M.
- Combined ratio 99% (underwriting profit in Q4).
- 2026 GWP guide $1.4B–$1.5B; adj net income $45M–$55M.
- Net loss ratio improved 12 points to 46%.
Headline financials
Revenue & EPS history
Hippo Holdings · Revenue · Quarterly
$120M
Forward guidance
2026 guidance: GWP $1.4B–$1.5B, net written premium $500M–$540M, combined ratio 103%–105%, and adjusted net income $45M–$55M.
Tailwinds
- Q4 combined ratio 99% with underwriting profit.
- Portfolio diversification into casualty and CMP lines.
- Targets $2B+ GWP and $125M+ adj net income by 2028.
Headwinds
- CAT loss ratio assumption 13% in 2026 guide.
- Homeowners GWP still contracting year over year.
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 Q4 2025
+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
| Quarter | Report date | Reaction (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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