Hippo (HIPO) Q4 2025 Earnings Call Transcript

Motley Fool Transcribing, The Motley Fool

Wed, February 25, 2026 astatine 8:12 AM CST 19 min read

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Wednesday, Feb. 25, 2026 astatine 8 a.m. ET

• President & Chief Executive Officer — Richard McCathron

• Chief Financial Officer — Guy Zeltser

• Moderator — Charles Sebaski

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Charles Sebaski: Good morning, and convey you for joining Hippo Holdings Inc.'s 4th fourth 2025 net call. Earlier today, Hippo Holdings Inc. issued an net merchandise announcing its 4th fourth and afloat twelvemonth 2025 results and a fiscal results presumption which volition beryllium webcast during today's call, some of which are disposable astatine investors.hippo.com. Leading today's treatment volition beryllium Hippo Holdings Inc. President and Chief Executive Officer Richard McCathron and Chief Financial Officer Guy Zeltser. Following management's prepared remarks, we volition unfastened the telephone for questions.

Before we begin, we would similar to punctual you that our treatment volition incorporate predictions, expectations, forward-looking statements, and different accusation astir our concern that are based connected management's existent expectations arsenic of the day of this presentation. Forward-looking statements include, but are not constricted to, Hippo Holdings Inc.'s expectations oregon predictions of fiscal and concern performance, conditions, and competitory and manufacture outlook. Forward-looking statements are taxable to risks, uncertainties, and different factors that could origin our existent results to disagree materially from humanities results and/or from our forecast, including those acceptable distant successful Hippo Holdings Inc.'s Form 10-K.

For much information, delight notation to the risks, uncertainties, and different factors discussed successful Hippo Holdings Inc.'s SEC filings, successful peculiar successful the conception entitled Risk Factors successful our Forms 10-Q and 10-K. All cautionary statements are applicable to immoderate forward-looking statements we marque whenever they appear. You should cautiously see the risks, uncertainties, and different factors discussed successful Hippo Holdings Inc.'s SEC filings and not spot undue reliance connected forward-looking statements, arsenic Hippo Holdings Inc. is nether nary work and expressly disclaims immoderate work for updating, offering, oregon different revising immoderate forward-looking statements, whether arsenic a effect of caller information, aboriginal events, oregon otherwise, but arsenic required by law.

During this league call, we volition besides notation to non-GAAP fiscal measures specified arsenic adjusted nett income. Our GAAP results and a statement of our non-GAAP fiscal measures with afloat reconciliation to GAAP tin beryllium recovered successful our 4th fourth 2025 net release, which has been furnished to the SEC and is disposable connected our website. I volition present crook the telephone implicit to Richard McCathron, our President and CEO.