Using the industry peer median P/E Multiples multiple (trailing + forward), Hippo Holdings Inc. (HIPO) has a fair value of $26.37 based on 10 comparable companies in the Insurance - Specialty industry.
USD in millions except Fair Price. Subject company highlighted.
| Mkt Cap ($M) | Trailing P/E | Forward P/E | |
|---|---|---|---|
| Hippo Holdings Inc.HIPO | 686 | 11.9x | — |
| Brighthouse Financial, Inc. | 3,543 | 10.7x | 2.1x |
| First Mid Bancshares, Inc. | 1,155 | 11.3x | 13.9x |
| Universal Insurance Holdings, Inc. | 1,135 | 6.4x | 22.8x |
| United Fire Group, Inc. | 1,037 | 9.0x | 20.3x |
| Employers Holdings, Inc. | 994 | 94.5x | 9.1x |
| Ategrity Specialty Holdings LLC | 970 | 12.6x | 133.2x |
| Heritage Insurance Holdings, Inc. | 919 | 4.7x | 15.1x |
| Esquire Financial Holdings, Inc. | 908 | 17.9x | 20.3x |
| Bowhead Specialty Holdings Inc. | 790 | 15.1x | 14.8x |
| AMERISAFE, Inc. | 575 | 12.4x | 10.3x |
| Industry Median | 11.9x | 15.0x | |
| (*) Profit after tax | 58 | ||
| Equity Value | 686 | ||
| (/) Outstanding shares | 26 | ||
| Fair Price | $26 | ||
Using the industry peer median EV/EBITDA multiple (trailing + forward), Hippo Holdings Inc. (HIPO) has a fair value of $25.67 based on 10 comparable companies in the Insurance - Specialty industry.
USD in millions except Fair Price. Subject company highlighted.
| Mkt Cap ($M) | Trailing EV/EBITDA | Forward EV/EBITDA | |
|---|---|---|---|
| Hippo Holdings Inc.HIPO | 686 | 7.7x | 9.8x |
| Brighthouse Financial, Inc. | 3,543 | 2.1x | 1.5x |
| First Mid Bancshares, Inc. | 1,155 | 14.2x | 21.7x |
| Universal Insurance Holdings, Inc. | 1,135 | 3.0x | 2.3x |
| United Fire Group, Inc. | 1,037 | 6.6x | 7.8x |
| Employers Holdings, Inc. | 994 | 69.9x | 69.0x |
| Ategrity Specialty Holdings LLC | 970 | 9.7x | 10.9x |
| Heritage Insurance Holdings, Inc. | 919 | 1.6x | 1.8x |
| Esquire Financial Holdings, Inc. | 908 | 9.5x | 13.9x |
| Bowhead Specialty Holdings Inc. | 790 | 8.0x | 5.2x |
| AMERISAFE, Inc. | 575 | 8.6x | 8.8x |
| Industry Median | 8.3x | 8.3x | |
| (*) EBITDA | 63 | 50 | |
| = Enterprise Value | 527 | 413 | |
| (-) Net Debt | -198 | -198 | |
| Equity Value | 724 | 611 | |
| (/) Outstanding shares | 26 | 26 | |
| Fair Price | $28 | $23 | |
Using the industry peer median EV/Revenue multiple (trailing + forward), Hippo Holdings Inc. (HIPO) has a fair value of $23.44 based on 10 comparable companies in the Insurance - Specialty industry.
USD in millions except Fair Price. Subject company highlighted.
| Mkt Cap ($M) | Trailing EV/Revenue | Forward EV/Revenue | |
|---|---|---|---|
| Hippo Holdings Inc.HIPO | 686 | 1.0x | 1.3x |
| Brighthouse Financial, Inc. | 3,543 | 0.2x | 0.2x |
| First Mid Bancshares, Inc. | 1,155 | 3.6x | 5.5x |
| Universal Insurance Holdings, Inc. | 1,135 | 0.5x | 0.4x |
| United Fire Group, Inc. | 1,037 | 0.8x | 0.9x |
| Employers Holdings, Inc. | 994 | 1.0x | 1.0x |
| Ategrity Specialty Holdings LLC | 970 | 2.2x | 2.5x |
| Heritage Insurance Holdings, Inc. | 919 | 0.5x | 0.6x |
| Esquire Financial Holdings, Inc. | 908 | 4.1x | 6.0x |
| Bowhead Specialty Holdings Inc. | 790 | 1.0x | 0.7x |
| AMERISAFE, Inc. | 575 | 1.6x | 1.7x |
| Industry Median | 1.0x | 0.9x | |
| (*) Revenue | 469 | 368 | |
| = Enterprise Value | 475 | 349 | |
| (-) Net Debt | -198 | -198 | |
| Equity Value | 672 | 547 | |
| (/) Outstanding shares | 26 | 26 | |
| Fair Price | $26 | $21 | |
Using the PEG framework with analyst consensus forward EPS growth of 8.0%, the company has a fair value of $1.92 based on NTM EPS (FY2026) of $0.24.
| EPS Growth RateForward | -24.3% |
| Adjusted Growth (clamped 8–25%)Clamped | 8.0% |
| Fair P/E | 8.0x |
| NTM EPS (FY2026) | $0.24 |
| Fair Value | $1.92 |
| Period | EPS Est. | Growth | Analysts |
|---|---|---|---|
| FY2025 (actual) | $2.22 | — | — |
| FY2026E | $0.24 | -89.2% | 3 |
| FY2027E | $1.27 | +430.6% | 3 |
2Y Forward EPS CAGR: -24.3%
| Year | Net Income | EPS | YoY |
|---|---|---|---|
| FY2021 | $-371.4M | $-23.77 | — |
| FY2022 | $-333.4M | $-14.35 | — |
| FY2023 | $-273.1M | $-11.58 | — |
| FY2024 | $-40.5M | $-1.64 | — |
| FY2025 | $57.7M | $2.22 | — |
4Y Historical EPS CAGR: 0.0%
Disclaimer: Sweet Value Lab provides estimated intrinsic values for informational purposes only. This is not financial advice. All models rely on assumptions that may not reflect future performance. Always do your own research before making investment decisions.