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HIPO

HippoB
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
Next scheduled catalyst: earnings 2026-10-29 · BMO.
What can break
Analyst coverage, target-revision data, and verified post-print market-reaction attribution are unavailable.
Momentum
89
Value
52
Sentiment
56
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.
Earnings
2026-10-29 · BMO
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-28 • Vendor: Data Vendor v1
Scores
As of 2026-10-28 • Model: HYBRID_IC_RP
AI Memo
As of 2026-08-04 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-28

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-28. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $42.10
Why
Momentum89 · Δ7d +5.8
Value52 · Δ7d -0.2
Sentiment56 · Δ7d -1.8
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Next scheduled catalyst: earnings 2026-10-29 · BMO.
  • • Sentiment remains the lead driver in the composite, 7D delta -1.8.

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

2026-10-29 · BMO

Q2 profitability and raised FY2026 guidance

Lead driver: Sentiment · See AI snapshot
Momentum
89
8% active weight
Current posture
7d trendImproving
Δ7d
+5.8
Δ21d
+25.8
Value
52
47% active weight
Current posture
7d trendFlat
Δ7d
-0.2
Δ21d
-1.0
Sentiment
56
45% active weight
Current posture
7d trendSoftening
Δ7d
-1.8
Δ21d
-26.4
Why this grade

Composite grade B. Momentum 89.4 / Value 51.7 / Sentiment 56.3

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 2026-10-28
Market Cap
$995.14M
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 2026-10-28 • Updated nightlySource: Internal modelMethods & Data