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Hippo Holdings cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$72.2M in Q3 2026 · $127M over twelve months

Operating cash flow$72.6M
Capital spending−$400K
Free cash flow+$72.2M
Cash / net income8.2×

Analysis

In Q3 2026, Hippo Holdings generated $72.6M of operating cash flow and spent $400K on capital projects, leaving free cash flow of $72.2M. That is $55.4M more than in Q3 2025 ($16.8M).

Over the twelve months to Sep 30, 2026, operating cash flow was $127M; the largest uses were other investing ($76.6M), capital spending ($600K); besides operations, cash came from shares issued ($3.5M), other financing ($900K); the cash balance rose by $54.6M.

Operating cash flow was $72.6M against net income of $8.8M — 8.2× profit, cash ran ahead of reported earnings. The largest differences: stock-based pay +$6.3M.

Free cash flow

Hippo Holdings: free cash flow by quarterHippo Holdings: free cash flow by quarter−$6.5MQ4 2024−$35.7MQ1 2025$24.8MQ2 2025$16.8MQ3 2025$3.2MQ4 2025$8.4MQ1 2026$43.0MQ2 2026$72.2MQ3 2026
Operating cash flow less capital spending.
Hippo Holdings: operating cash flow against capital spendingHippo Holdings: operating cash flow against capital spendingOperating cash flowCapital spending−$6.4M$100KQ4 2024−$35.6M$100KQ1 2025$24.7M−$100KQ2 2025$16.9M$100KQ3 2025$3.2M$0Q4 2025$8.5M$100KQ1 2026$43.1M$100KQ2 2026$72.6M$400KQ3 2026
Latest (Q3 2026): Operating cash flow $72.6M, Capital spending $400K.

Capital allocation, year by year

Hippo Holdings: where the cash came from (up) and went (down), by fiscal yearHippo Holdings: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingAcquisitionsBuybacksFY2021: Operating cash flow −$124MFY2021: Shares issued $5.5MFY2021: Capital spending −$800KFY2021: Acquisitions −$600K$5.5MFY2021FY2022: Operating cash flow −$162MFY2022: Shares issued $8.2MFY2022: Capital spending −$4.9M$8.2MFY2022FY2023: Operating cash flow −$92.4MFY2023: Shares issued $2.8MFY2023: Capital spending −$29.6MFY2023: Buybacks −$1.8M$2.8MFY2023FY2024: Operating cash flow $47.5MFY2024: Shares issued $6.7MFY2024: Asset sales $67.2MFY2024: Capital spending −$300KFY2024: Buybacks −$15.6M$121MFY2024FY2025: Operating cash flow $9.2MFY2025: Net borrowing $47.9MFY2025: Shares issued $3.8MFY2025: Asset sales $65.8MFY2025: Capital spending −$100KFY2025: Buybacks −$14.5M$127MFY2025
Over these 5 years operating cash flow totalled −$322M; the largest uses were operating cash flow ($378M) and capital spending ($35.7M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$312M
Debtnone
Net cash$312M

Hippo Holdings funds itself: free cash flow was $127M over the last twelve months, with $312M of cash and investments and no debt on the balance sheet.

Where the cash came from and went

Hippo Holdings: sources (+) and uses (−) of cash, Q3 2026Hippo Holdings: sources (+) and uses (−) of cash, Q3 2026Operating cash flow$72.6MCash drawn (+) / kept (−)−$55.2MOther investing−$16.4MOther financing−$1.0MCapital spending−$400KShares issued$400K
Hippo Holdings: sources (+) and uses (−) of cash, TTM to Q3 2026Hippo Holdings: sources (+) and uses (−) of cash, TTM to Q3 2026Operating cash flow$127MOther investing−$76.6MCash drawn (+) / kept (−)−$54.6MShares issued$3.5MOther financing$900KCapital spending−$600K

From profit to cash

Hippo Holdings: net income to operating cash flow, Q3 2026Hippo Holdings: net income to operating cash flow, Q3 2026Net income$8.8MStock-based pay$6.3MOperating cash flow$72.6M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsShares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$72.6M−$400K——$400K−$55.2M$72.2M
Q2 2026$43.1M−$100K——$1.1M$33.2M$43.0M
Q1 2026$8.5M−$100K——$1.0M−$54.7M$8.4M
Q4 2025$3.2M———$1.0M$22.1M$3.2M
Q3 2025$16.9M−$100K——$500K−$46.4M$16.8M
Q2 2025$24.7M$100K—−$3.9M$1.3M−$45.6M$24.8M
Q1 2025−$35.6M−$100K—−$2.5M$1.0M$52.6M−$35.7M
Q4 2024−$6.4M−$100K−$15.6M—$3.7M−$1.9M−$6.5M

Hippo Holdings: income statement and cash flow

Hippo Holdings, Q3 2026: revenue $156M (+29% year over year), operating margin 5.7%. The chart follows the revenue to costs, profit and cash.

Hippo Holdings: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.