Hippo Holdings Inc. (HIPO) vs UNIVERSAL INSURANCE HOLDINGS INC (UVE)

Hippo Holdings Inc. and UNIVERSAL INSURANCE HOLDINGS INC are both Insurance Property & Casualty companies. UNIVERSAL INSURANCE HOLDINGS INC is the larger, with a market value of $1.2B against $798.0M — 1.5× the size. UNIVERSAL INSURANCE HOLDINGS INC trades at the lower P/E: 5.4× against 6.4×. Hippo Holdings Inc. grew revenue faster over the last twelve months: 19.3% against 3.96%. Hippo Holdings Inc. has the higher net margin (23.9% vs 13.5%) and the lower return on invested capital (8.68% vs 139.4%). Across the 22 metrics below, UNIVERSAL INSURANCE HOLDINGS INC leads on 14 and Hippo Holdings Inc. on 8.

Valuation

Metric HIPO UVE Insurance Property & Casualty median
P/E 6.39 5.40 10.29
P/S 1.58 0.71 1.17
P/B 1.72 1.83 1.83
Price to free cash flow 14.61 3.43 7.48
EV/EBITDA 17.21 2.23 7.49
EV/Sales 1.14 0.41 1.13
Earnings yield 15.65% 18.53% 9.50%
Free cash flow yield 6.84% 29.19% 13.29%

Profitability

Metric HIPO UVE Insurance Property & Casualty median
Gross margin 100.00% 25.87% 41.16%
Operating margin 6.62% 18.37% 15.09%
Net margin 23.92% 13.49% 11.51%
Free cash flow margin 11.47% 20.85% 17.59%
Return on equity 30.34% 40.16% 18.19%
Return on assets 6.03% 6.68% 3.74%
Return on invested capital 8.68% 139.39% 12.06%

Growth

Metric HIPO UVE Insurance Property & Casualty median
Revenue growth (TTM) 19.34% 3.96% 8.69%
EPS growth (last fiscal year) 235.37% 214.43% —
Revenue growth, 5-year CAGR 55.46% 8.38% 9.23%
Net income growth, 5-year CAGR 0.00% 57.14% 10.09%

Health

Metric HIPO UVE Insurance Property & Casualty median
Debt to equity 0.10 0.15 0.25
Current ratio 0.95 0.57 0.42
Net debt to EBITDA 38.15 (1.47) 0.08

Dividend

Metric HIPO UVE Insurance Property & Casualty median
Dividend yield — 4.00% 2.79%
Payout ratio 0.00 3.20 0.27

Size

Metric HIPO UVE Insurance Property & Casualty median
Market cap 798.01m 1.18b 2.44b

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