---
schema_version: "secwatch.filing_event.v1"
accession: "0001828105-22-000054"
form_type: "8-K"
ticker: "HIPO"
cik: "0001828105"
company_name: "Hippo Holdings Inc."
filed_at: "2022-11-10T23:59:59+00:00"
generated_at: "2026-06-21T23:42:21.371688+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Hippo Q3 Adj. EBITDA loss $54.8M beats guidance; revenue +44% YoY; reaffirms 2022 outlook

## Summary
- GAAP net loss $129.2M ($5.66 EPS) including $53.5M goodwill impairment; Adj. EBITDA loss $54.8M vs prior $48.4M.
- Revenue $30.7M (+44% YoY); TGP $219M (+36% YoY); customer base 332,000.
- Gross Loss Ratio 58% ex-Hurricane Ian (110% overall); full-year guidance ≤90% reaffirmed.
- Hurricane Ian net loss only $4.7M consolidated; $0.9M from Hippo homeowners program.
- Unrestricted cash/investments $677M; Q4 Adj. EBITDA loss expected below $50M; path to positive EBITDA by late 2024.

## SEC filing metadata
- accession: 0001828105-22-000054
- form_type: 8-K
- ticker: HIPO
- cik: 0001828105
- company_name: Hippo Holdings Inc.
- filed_at: 2022-11-10T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1828105/000182810522000054/0001828105-22-000054-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1828105/000182810522000054/hippo-20221110.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001828105-22-000054
- JSON: https://secwatch.observer/filing/0001828105-22-000054.json
- Plain text: https://secwatch.observer/filing/0001828105-22-000054.txt

## Key facts
- Earnings Releases
  Hippo Holdings Inc. reported quarter ended September 30, 2022 results: revenue $31M, net income $129.2m. Guidance reaffirmed.
  - Period: quarter ended September 30, 2022
  - Revenue: $31M
  - Net income: $129.2m
  - Guidance: reaffirmed
  - Result: reported results
  source text: and non-Hippo premium placed by our internal Agency, Producer agents, and other partners. Gross Loss Ratio -70pp YoY 58% Q3 ‘22Q3 ‘21Q3 ‘20 128% 155% ex Ian Revenue +44% YoY 0 $31M Q3 ‘22Q3 ‘21Q3 ‘20 $21M $13M Premium Retention1 -1pp From prior year 90% Q3 ‘22Q3 ‘21 91% Total Generated Premium in-Force $739M Q3 ‘22Q3 ‘21Q3 ‘20 $553M $375M +34% YoY Letter
  evidence_url: https://www.sec.gov/Archives/edgar/data/1828105/000182810522000054/0001828105-22-000054-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.