Is HCI or HIPO more undervalued in 2026?

CirclFi compares HCI Group, Inc. (HCI) and Hippo Holdings Inc. (HIPO) using 13 institutional-grade valuation models. HCI has a Quality of Company score of 10.0/10 while HIPO scores 8.0/10.

Which is a better buy — HCI or HIPO?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do HCI and HIPO valuations compare?

HCI at $154.54 and HIPO at $25.79 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

HCI vs HIPO Valuation Comparison 2026 — Intrinsic Value Analysis

HCI

Insurance - Property & Casualty

HCI Group, Inc.

Quality

10.0

out of 10

Value Trap

SAFE

Price

$154.54

Last close

Models

13/13

Active

HIPO

Insurance - Property & Casualty

Hippo Holdings Inc.

Quality

8.0

out of 10

Value Trap

SAFE

Price

$25.79

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	HCI Fair Value	HCI Upside	HIPO Fair Value	HIPO Upside
Bayesian DCF	Intrinsic	$350.16	+126.6%	$14.53	-43.7%
Earnings Power Value	Intrinsic	$249.49	+61.4%	$35.74	+28.9%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

🔒

Unlock Full 13-Model Comparison

Access all valuation models for HCI vs HIPO — including EROIC Spread, First Chicago, Markov DDM, PWERM, and 7 more.

Access Full Analysis — From $27/mo →

HCI vs HIPO — Which Stock Is More Undervalued?

HCI scores higher with a 10.0/10 quality rating vs HIPO's 8.0/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing HCI Group, Inc. (HCI) and Hippo Holdings Inc. (HIPO) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

HCI currently trades at $154.54 with a QOC of 10.0/10, while HIPO trades at $25.79 with a QOC of 8.0/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).