---
schema_version: "secwatch.filing_event.v1"
accession: "0001828105-23-000010"
form_type: "8-K"
ticker: "HIPO"
cik: "0001828105"
company_name: "Hippo Holdings Inc."
filed_at: "2023-03-02T23:59:59+00:00"
generated_at: "2026-06-18T15:54:27.019505+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Hippo Q4 net loss $63.1M, adj EBITDA -$47.3M; guides 2023 TGP near $1B, adj EBITDA -$147M

## Summary
- GAAP net loss $63.1M ($2.74/share) vs $60.7M loss in Q4 2021; adjusted EBITDA -$47.3M, improved from -$54.8M in Q3.
- Total Generated Premium (TGP) $234M, +44% YoY; full-year 2022 TGP $811M, in line with original guidance.
- Gross loss ratio 42%, best since IPO, down 47pp YoY; full-year GLR improved 62pp to 76% from 138% in 2021.
- Revenue $35.8M, +11% YoY; 2023 revenue guided >40% growth; cash & investments $640M at year-end.
- 2023 guidance: TGP near $1B, adjusted EBITDA -$147M, positive adj EBITDA by late 2024; Spinnaker surplus $164.9M.

## SEC filing metadata
- accession: 0001828105-23-000010
- form_type: 8-K
- ticker: HIPO
- cik: 0001828105
- company_name: Hippo Holdings Inc.
- filed_at: 2023-03-02T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1828105/000182810523000010/0001828105-23-000010-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1828105/000182810523000010/hippo-20230302.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001828105-23-000010
- JSON: https://secwatch.observer/filing/0001828105-23-000010.json
- Plain text: https://secwatch.observer/filing/0001828105-23-000010.txt

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