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HIPO

HippoA
NYSE / Insurance
Last Price
Quote time unavailable
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Current thesis
The Q2 release provides strong operating confirmation: rapid premium growth, improving combined ratio, consecutive profitability, and higher 2026 guidance. Longer-term upside depends on partner expansion and diversification translating into sustained underwriting returns.
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +9.4.
What can break
Analyst coverage, target-revision data, and verified post-print market-reaction attribution are unavailable.
Momentum
81
Value
53
Sentiment
75
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $38.00 · Bull $45.00 · Bear $25.00Analysis 2026-08-04; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-08-04 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-09

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions

Supporting evidence
What
Grade A · Constructive
Confidence Medium · Net Neutral
Target $42.30
Why
Momentum81 · Δ7d -2.1
Value53 · Δ7d +0.2
Sentiment75 · Δ7d +9.4
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta +9.4.

Contradictions & invalidation

  • • Analyst coverage, target-revision data, and verified post-print market-reaction attribution are unavailable.
  • • Catastrophe losses, loss-ratio deterioration, or reinsurance execution could interrupt the profitability trend.
  • • The company remains low coverage, external analyst revisions are unavailable, and the earnings-call context flags retention normalization, softer E&S markets, rate moderation, and continuing catastrophe/reinsurance execution risk.

Catalyst clock

2026-07-30

Q2 profitability and raised FY2026 guidance

Lead driver: Sentiment · See AI snapshot
Momentum
81
9% active weight
Current posture
7d trendSoftening
Δ7d
-2.1
Δ21d
+1.3
Value
53
28% active weight
Current posture
7d trendFlat
Δ7d
+0.2
Δ21d
+0.6
Sentiment
75
62% active weight
Current posture
7d trendImproving
Δ7d
+9.4
Δ21d
+3.2
Why this grade

Composite grade A. Momentum 80.5 / Value 53.1 / Sentiment 74.5

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-08-04. Scenario method

B+
Bull case
25%
Probability
Target price
$45.00
Analysis reference price unavailable
Analysis 2026-08-04 · RankAlpha Sentiment Codex
Most likely
B
Base case
55%
Probability
Target price
$38.00
Analysis reference price unavailable
Analysis 2026-08-04 · RankAlpha Sentiment Codex
B-
Bear case
20%
Probability
Target price
$25.00
Analysis reference price unavailable
Analysis 2026-08-04 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$861.35M
Beta
1.58
Shares Out
26.39M
P/E (TTM)
8.3
P/S (TTM)
1.72
P/FCF (TTM)
51.48
Rev YoY
+23.4%
EPS YoY
+660.8%
Gross Margin
-
Op Margin
+6.6%
Net Debt
-$197.7M
Current Ratio
1.47
As of 2026-09-09 • Updated nightlySource: Internal modelMethods & Data