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 $1.3B against $926.2M — 1.4× the size. UNIVERSAL INSURANCE HOLDINGS INC trades at the lower P/E: 5.7× against 28.3×. Hippo Holdings Inc. grew revenue faster over the last twelve months: 20.6% against 5.51%. UNIVERSAL INSURANCE HOLDINGS INC has the higher net margin (13.9% vs 5.90%) and the higher return on invested capital (188.2% vs 11.8%). Across the 20 metrics below, UNIVERSAL INSURANCE HOLDINGS INC leads on 13 and Hippo Holdings Inc. on 7.

Valuation

Metric HIPO UVE Insurance Property & Casualty median
P/E 28.34 5.70 12.17
P/S 1.69 0.78 1.26
P/B 1.96 2.02 1.85
Price to free cash flow 8.31 3.61 8.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 3.53% 17.55% 8.20%
Free cash flow yield 12.04% 27.69% 11.86%

Profitability

Metric HIPO UVE Insurance Property & Casualty median
Gross margin 100.00% 26.61% 37.39%
Operating margin 6.63% 19.02% 14.67%
Net margin 5.90% 13.94% 10.16%
Free cash flow margin 20.97% 21.63% 18.60%
Return on equity 7.19% 40.76% 16.59%
Return on assets 1.38% 7.41% 3.38%
Return on invested capital 11.84% 188.21% 9.43%

Growth

Metric HIPO UVE Insurance Property & Casualty median
Revenue growth (TTM) 20.55% 5.51% 5.70%
EPS growth (last fiscal year) 235.37% 214.43% 39.61%
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 0.96 0.56 0.49
Net debt to EBITDA 38.15 (1.47) 0.08

Dividend

Metric HIPO UVE Insurance Property & Casualty median
Dividend yield — 1.36% 1.56%
Payout ratio — 0.08 0.15

Size

Metric HIPO UVE Insurance Property & Casualty median
Market cap 926.17m 1.31b 2.64b

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