Hippo Holdings Inc. (HIPO) Fair Value 2026

HIPO · Insurance - Property & Casualty ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.8 /10

32 fundamental signals · 3 models active

Value Trap Risk

SAFE (24/100)

Quick Summary — As of 2026-08-27, Hippo Holdings Inc. (HIPO) trades at $32.61, versus a $30.88 median fair value across its 3 active models — 5.3% below the current price. QOC: 7.8/10. Value Trap Risk: 24/100 (SAFE). 3/13 models active.

Key Facts

Ticker
HIPO
Price
$32.61
Quality Score
7.8/10
Value Trap Risk
24/100
Models Active
3/13
Last Updated
Strength: Regime Cross-Sectional suggests +46.4% upside with 38% confidence
Risk: Majority of models suggest overvaluation

Is Hippo Holdings Inc. (HIPO) Undervalued or Overvalued in 2026?

According to CirclFi’s 3-model valuation engine, Hippo Holdings Inc. (HIPO) appears fairly valued as of : the median of 3 independent fair value estimates is $30.88, within 5.3% of the current price of $32.61. Estimates range from $29.12 to $47.75. HIPO scores 7.8/10 on fundamental quality and 24/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. HIPO’s -5.3% gap is narrower than that market norm, and the Insurance - Property & Casualty sector median is -14.7%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Hippo Holdings Inc. Stock in 2026? →

What Fair Value Does Each Model Give HIPO?

3 Intrinsic Value Models vs. Current Price ($32.61)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · Medium Conviction
 $30.88 -5.3%
Relative · Medium Conviction
 $47.75 +46.4%
Relative · Low Conviction
 $29.12 -10.7%

All Models Active

All 3 models are displayed above.

What Is HIPO's Fair Value Range?

Spread across 3 independent models · $29.12 to $47.75

CirclFi's 3 active models place Hippo Holdings Inc. (HIPO) between $29.12 and $47.75 per share, a spread of 60% of the median. The median of that range — $30.88 — is the fair value CirclFi publishes for HIPO, against a current price of $32.61.

Low · FTNNHigh · Regime Cross
$29.12median $30.88$47.75
Where the range comes from
Most bearish modelFTNN Topology$29.12
Most bullish modelRegime Cross-Sectional$47.75
Model agreement1 bullish · 2 bearishmoderate

A band of this width is typical. The methods agree on direction but weight growth, reinvestment and risk differently, so treat the median as a centre of gravity rather than a precise target.

Every figure above is one model's standalone output on HIPO, not a CirclFi price target. How each model works →

What Is Hippo Holdings Inc. (HIPO) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Hippo Holdings Inc.'s intrinsic value is estimated at a median fair value of $30.88. Trading at $32.61, the stock is approaching fair value or slight overvaluation (implied return of -5.3%), as 2 of 3 models suggest limited further upside. Notably, Regime Cross sees the most upside at +46.4% (fair value: $47.75), while FTNN is the most conservative at -10.7% ($29.12). The spread between these extremes — +57.1% — reveals how different analytical frameworks can reach starkly different conclusions.

What Do the Models Say About HIPO?

3 of 13 models are currently active for HIPO. Of these, 1 model suggests upside while 2 models suggest overvaluation. Taken together, their median fair value for HIPO is $30.88 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does HIPO Rank in Insurance - Property & Casualty?

Among 41 Insurance - Property & Casualty stocks, HIPO ranks #33 by Quality of Company score. CirclFi's QOC score of 7.8/10 evaluates 32 fundamental signals. A score of 7.8 indicates above-average quality.

Hippo Holdings Inc.'s positioning within the Insurance - Property & Casualty segment means that expense ratio plays an outsized role in fundamental analysis. The sector's unique characteristics — including investment income yield — shape both the opportunity set and risk profile.

Is HIPO a Value Trap?

CirclFi's Value Trap algorithm assigns HIPO a score of 24/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

3 of 13 models are active for Hippo Holdings Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, Hippo Holdings Inc. earns a quality score of 7.8/10. This robust rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

The gap between the most bullish and bearish model spans +57.1% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every HIPO valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across HIPO's 3 active models, average confidence is 34%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Hippo Holdings Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Insurance - Property & Casualty Stocks Should You Also Analyze?

10 related Insurance - Property & Casualty stocks with 13-model coverage

SAFTSafety Insurance Group, Inc.QOC 7.9HMNHorace Mann Educators CorporationQOC 7.7LLoews CorporationQOC 8.0GBLIGlobal Indemnity Group, LLCQOC 7.6SKWDSkyward Specialty Insurance Group, Inc.QOC 8.1ROOTRoot, Inc.QOC 7.2HRTGHeritage Insurance Holdings, Inc.QOC 9.7AIZAssurant, Inc.QOC 8.9WTMWhite Mountains Insurance Group, Ltd.QOC 8.4HCIHCI Group, Inc.QOC 9.9

Read investment analysis: SAFT · HMN · L · GBLI · SKWD · ROOT · HRTG · AIZ · WTM · HCI

Which Other Stocks Have a Similar Quality Score to HIPO?

7 companies across all industries closest to HIPO’s Quality of Company score of 7.8/10.

VVVValvoline Inc.QOC 7.8PCRXPacira BioSciences, Inc.QOC 7.8HRLHormel Foods CorporationQOC 7.8FRFirst Industrial Realty Trust, Inc.QOC 7.8SLVMSylvamo CorporationQOC 7.8SNDRSchneider National, Inc.QOC 7.8NVDANVIDIA CorporationQOC 10.0

Read investment analysis: VVV · PCRX · HRL · FR · SLVM · SNDR · NVDA

What Else Do Investors Ask About Hippo Holdings Inc.’s Valuation?

What is Hippo Holdings Inc.'s intrinsic value in 2026?

CirclFi puts Hippo Holdings Inc. (HIPO)'s intrinsic value at $30.88 — the median of 3 independent model estimates as of 2026-08-27, ranging from $29.12 to $47.75. The Quality of Company score is 7.8/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is HIPO overvalued or undervalued right now?

At $32.61, 1 of 3 active models suggest HIPO may be undervalued, while 2 indicate potential overvaluation. The median of all 3 fair value estimates is $30.88, within 5.3% of the current price of $32.61 — a consensus view that HIPO is fairly valued. The assessment depends on which methodology best fits Hippo Holdings Inc.'s business model in Insurance - Property & Casualty.

What does a Quality of Company score of 7.8 mean for HIPO?

Hippo Holdings Inc.'s QOC of 7.8/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on HIPO?

CirclFi analyzes HIPO with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 3 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on HIPO?

Of the 3 models currently active on HIPO, Regime Cross-Sectional is the most bullish at $47.75 per share, and FTNN Topology is the most bearish at $29.12. CirclFi's published fair value for HIPO is the median of that range, $30.88, not either extreme. The gap between the two ends equals 60% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is HIPO a value trap in 2026?

Hippo Holdings Inc.'s Value Trap score is 24/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 3-model valuation engine, Hippo Holdings Inc. (HIPO) has a median fair value of $30.88 — within 5.3% of the current price of $32.61 — as of 2026-08-27.” Source: circlfi.com/stock/HIPO/ · Methodology
Primary sources for this HIPO valuation
  • Financial statements: Hippo Holdings Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001828105) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for HIPO as of ; valuations recomputed .