HIPOW (Hippo Holdings) Moat Score: 2/10 (As of Jun. 28, 2026)


HIPOW Hippo Holdings Inc HIPOW
80 GF Score
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! 4 Warning Signs
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What is Hippo Holdings Moat Score?

Hippo Holdings HIPOW 80 Moat Score is 2 as of Jun. 28, 2026. GuruFocus rates HIPOW with a GF Score™ of 80/100. The stock has 4 warning signs investors should review. Among 601 Insurance companies, Hippo Holdings ranks better than 69.88% on this metric.

Hippo Holdings has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

Hippo Holdings has No Moat: Hippo Holdings Inc operates in a highly competitive insurance market with low switching costs and minimal brand differentiation. The company lacks significant intellectual property or regulatory barriers, and its market share is not dominant. Cost advantages and network effects are limited, resulting in a very weak competitive position.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Hippo Holdings might have No Moat - Very weak/transient advantages.

Hippo Holdings  (OTCPK:HIPOW) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Hippo Holdings Moat Score Related Terms

HIPOW vs HRTG, DGICA, ROOT: Moat Score Comparison

For the Insurance - Property & Casualty subindustry, Hippo Holdings's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Hippo Holdings Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, Hippo Holdings's Moat Score distribution charts can be found below:

* The bar in red indicates where Hippo Holdings's Moat Score falls into.


HIPOW
80GF Score
Hippo Holdings Inc HIPOW
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 2 mean?
Hippo Holdings (HIPOW) has a Moat Score of 2 as of Jun. 28, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Hippo Holdings ranks #181 out of 601 companies in the Insurance industry, placing it in the top 30.1%.
Is Hippo Holdings' Moat Score too high?
Hippo Holdings' current Moat Score is 2. Based on the distribution chart, Hippo Holdings ranks #181 out of 601 companies in the Insurance industry, which is above the industry midpoint. Overall, Hippo Holdings has a GF Score™ of 80/100, reflecting its overall financial health beyond just this single metric.
How does Hippo Holdings' Moat Score compare to HRTG and DGICA?
According to the Insurance industry distribution chart, Hippo Holdings ranks #181 out of 601 companies for Moat Score. This puts Hippo Holdings in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Hippo Holdings's current Moat Score is 2. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hippo Holdings stock overvalued right now?
Hippo Holdings (HIPOW) has a current Moat Score of 2. The current Moat Score is 2. Hippo Holdings' overall GF Score™ is 80/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Hippo Holdings (HIPOW), the current Moat Score is 2 as of Jun. 28, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Hippo Holdings Business Description

Other Exchanges HIPO:USA
Address One Almaden boulevard, Suite 400, San Jose, CA, USA, 95113
Hippo Holdings Inc is a home insurance group that created a new standard of care and protection for homeowners. It provides insurance for computers, home offices, electronics, appliances, water backup, and service line coverage, among others. It has three reportable segments Services segment earns fees and commission income without assuming underwriting risk or need for reinsurance, Insurance-as-a-Service managed through the company's subsidiary Spinnaker is a platform to support third-party MGAs, and the Hippo Home Insurance Program engaged in homeowners insurance business. It generates the majority of its revenue from the Insurance-as-a-Service segment.
80GF Score

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