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Dec 31, 2025
Hippo Holdings Q4 2025 Earnings Report
Hippo Holdings Q4 2025 Earnings Report
Key Takeaways
Hippo reported strong Q4 2025 results with 40% gross written premium growth, improved underwriting performance, a 99.4% combined ratio, and positive net and adjusted income.
Gross Written Premium increased 40% to 287900000.
Net income attributable to Hippo was 6000000 with diluted EPS of 0.23.
Adjusted net income attributable to Hippo rose to 17600000 with diluted adjusted EPS of 0.67.
Combined ratio improved to 99.4% and net loss ratio improved to 45.9%.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
For FY 2026, Hippo expects Gross Written Premium between 1400000000 and 1500000000, Net Written Premium between 500000000 and 540000000, Combined Ratio between 103% and 105%, and Adjusted Net Income between 45000000 and 55000000.
Positive Outlook
- Projected Gross Written Premium growth to 1400000000–1500000000.
- Net Written Premium expected to increase to 500000000–540000000.
- Combined Ratio expected to improve to 103%–105%.
- Adjusted Net Income projected at 45000000–55000000.
- Lower projected CAT loss ratio at 13%.
Challenges Ahead
- Expense ratio remains elevated above 50%.
- Net retention declined year-over-year.
- Dependence on catastrophe loss trends.
- Exposure to regulatory and reinsurance market conditions.
Revenue & Expenses
Visualization of income flow from segment revenue to net income
Historical Earnings Impact
Analyze how earnings announcements historically affect stock price performance
Avg. Return Before/After Earnings
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