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Hippo (HIPO) investor relations material
Hippo Small-Cap Virtual Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Small-Cap Virtual Conference summary17 Sep, 2025
Key business highlights
Achieved net income positive from operating activities and $425M revenue over the last 12 months, with $950M gross written premium and $333M book value as of the last quarter.
Projecting $1.1B gross written premium and $460–$465M revenue by year-end, with shareholders' equity expected to reach $420M by end of 2025 due to a recent transaction.
Targeting to double gross written premium to over $2B and quadruple adjusted net income to $125M by 2028, aiming for high-teens return on equity.
Growth strategy includes organic expansion, selective addition of new programs, and leveraging a strategic partnership to access more new home policies.
Diversification across personal and commercial lines, with a focus on underwriting discipline and technology-driven onboarding.
Underwriting and operational strategy
Maintains strict underwriting standards, approving only 4 out of 140 program opportunities in 2024, adding $130M in new business.
Ongoing monitoring and termination of underperforming programs to ensure high return on equity and lower volatility.
Shifted focus in legacy homeowners to builder channel, achieving a gross loss ratio 25% lower than industry average.
Implemented over 170 rate filings and 80% cumulative rate increases in non-new home business, improving net loss ratios.
Expense growth is managed below top-line growth, with a 30% expense reduction over the past two years despite revenue growth.
Strategic partnerships and market positioning
Strategic transaction with The Baldwin Group/Westwood expands access from 110,000 to 370,000 new home closings annually, enhancing scale and selectivity.
Baldwin partnership is mutually beneficial, providing capacity and tailored products, with proven low loss ratios in joint programs.
Upfront $100M received from the Baldwin deal, which remains value accretive to P&L.
Diversification into commercial property and casualty lines increases resilience to market cycles and catastrophic events.
Geographic diversification reduces exposure to high-risk areas, with selective underwriting in states with lower catastrophe risk.
How does Baldwin Group deal boost growth & ROE?
What drives program carrier model's strong results?
How do you achieve low loss ratios in cat states?
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Next Hippo earnings date
Q3 20255 Nov, 2025
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Frequently asked questions
Hippo Holdings Inc. is a technology-driven insurance company specializing in homeowners insurance and related products. The company leverages data analytics, artificial intelligence, and digital platforms to offer customized coverage, streamline underwriting, and enhance claims management. Its services include policies for homeowners, landlords, and condominium owners, with a focus on proactive risk mitigation through smart home technology. The company is headquartered in Palo Alto, California, and its shares are listed on the NYSE.
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