17.91 USD
-0.18 (-1%)
TIPT gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 147 industry peers in the Insurance industry. TIPT has only an average score on both its financial health and profitability. TIPT is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year TIPT was profitable.
In the past year TIPT had a positive cash flow from operations.
The reported net income has been mixed in the past 5 years: TIPT reported negative net income in multiple years.
TIPT had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
TIPT has a worse Return On Assets (0.78%) than 65.99% of its industry peers.
TIPT has a Return On Equity (9.94%) which is comparable to the rest of the industry.
Looking at the Return On Invested Capital, with a value of 3.31%, TIPT is in the better half of the industry, outperforming 61.22% of the companies in the same industry.
TIPT had an Average Return On Invested Capital over the past 3 years of 2.68%. This is significantly below the industry average of 14.89%.
The last Return On Invested Capital (3.31%) for TIPT is above the 3 year average (2.68%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.78% | ||
| ROE | 9.94% | ||
| ROIC | 3.31% |
ROA(3y)0.33%
ROA(5y)0.21%
ROE(3y)4.27%
ROE(5y)2.87%
ROIC(3y)2.68%
ROIC(5y)N/A
1.3 Margins
TIPT's Profit Margin of 2.43% is on the low side compared to the rest of the industry. TIPT is outperformed by 80.27% of its industry peers.
In the last couple of years the Profit Margin of TIPT has grown nicely.
The Operating Margin of TIPT (7.66%) is worse than 69.39% of its industry peers.
In the last couple of years the Operating Margin of TIPT has grown nicely.
The Gross Margin of TIPT (68.99%) is better than 95.92% of its industry peers.
In the last couple of years the Gross Margin of TIPT has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 7.66% | ||
| PM (TTM) | 2.43% | ||
| GM | 68.99% |
OM growth 3Y10.35%
OM growth 5Y13.26%
PM growth 3Y-5.95%
PM growth 5Y2.27%
GM growth 3Y1.46%
GM growth 5Y3.08%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so TIPT is destroying value.
The number of shares outstanding for TIPT has been increased compared to 1 year ago.
TIPT has more shares outstanding than it did 5 years ago.
The debt/assets ratio for TIPT has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.69, we must say that TIPT is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of TIPT (0.69) is better than 73.47% of its industry peers.
The Debt to FCF ratio of TIPT is 2.71, which is a good value as it means it would take TIPT, 2.71 years of fcf income to pay off all of its debts.
TIPT has a Debt to FCF ratio of 2.71. This is comparable to the rest of the industry: TIPT outperforms 48.98% of its industry peers.
TIPT has a Debt/Equity ratio of 0.85. This is a neutral value indicating TIPT is somewhat dependend on debt financing.
TIPT's Debt to Equity ratio of 0.85 is on the low side compared to the rest of the industry. TIPT is outperformed by 87.76% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.85 | ||
| Debt/FCF | 2.71 | ||
| Altman-Z | 0.69 |
ROIC/WACC0.44
WACC7.53%
2.3 Liquidity
TIPT has a Current Ratio of 1.39. This is a normal value and indicates that TIPT is financially healthy and should not expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 1.39, TIPT belongs to the top of the industry, outperforming 85.71% of the companies in the same industry.
TIPT has a Quick Ratio of 1.39. This is a normal value and indicates that TIPT is financially healthy and should not expect problems in meeting its short term obligations.
TIPT has a better Quick ratio (1.39) than 85.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.39 | ||
| Quick Ratio | 1.39 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 22.08% over the past year.
TIPT shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 21.84% yearly.
The Revenue has been growing slightly by 4.25% in the past year.
TIPT shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 21.46% yearly.
EPS 1Y (TTM)22.08%
EPS 3Y7.94%
EPS 5Y21.84%
EPS Q2Q%-47.06%
Revenue 1Y (TTM)4.25%
Revenue growth 3Y19.39%
Revenue growth 5Y21.46%
Sales Q2Q%9.29%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 13.78, TIPT is valued correctly.
TIPT's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 26.49. TIPT is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.78 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, TIPT is valued a bit cheaper than 78.23% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, TIPT is valued a bit cheaper than 77.55% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.62 | ||
| EV/EBITDA | 4.61 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.63
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
TIPT has a Yearly Dividend Yield of 1.30%.
In the last 3 months the price of TIPT has falen by -20.10%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
Compared to an average industry Dividend Yield of 3.48, TIPT has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.31, TIPT's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.3% |
5.2 History
On average, the dividend of TIPT grows each year by 33.87%, which is quite nice.
TIPT has paid a dividend for at least 10 years, which is a reliable track record.
As TIPT did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)33.87%
Div Incr Years2
Div Non Decr Years9
5.3 Sustainability
49.45% of the earnings are spent on dividend by TIPT. This is a bit on the high side, but may be sustainable.
The dividend of TIPT is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP49.45%
EPS Next 2YN/A
EPS Next 3YN/A
NASDAQ:TIPT (12/8/2025, 10:46:50 AM)
17.91
-0.18 (-1%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners40.64%
Inst Owner Change-4.3%
Ins Owners38.52%
Ins Owner Change0.73%
Market Cap677.36M
Revenue(TTM)2.07B
Net Income(TTM)50.21M
Analysts0
Price TargetN/A
Short Float %1.22%
Short Ratio1.03
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.3% |
Yearly Dividend0.67
Dividend Growth(5Y)33.87%
DP49.45%
Div Incr Years2
Div Non Decr Years9
Ex-Date
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.78 | ||
| Fwd PE | N/A | ||
| P/S | 0.33 | ||
| P/FCF | 3.62 | ||
| P/OCF | 3.5 | ||
| P/B | 1.34 | ||
| P/tB | 3.57 | ||
| EV/EBITDA | 4.61 |
EPS(TTM)1.3
EY7.26%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)4.95
FCFY27.63%
OCF(TTM)5.11
OCFY28.54%
SpS54.73
BVpS13.36
TBVpS5.02
PEG (NY)N/A
PEG (5Y)0.63
Graham Number19.77
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.78% | ||
| ROE | 9.94% | ||
| ROCE | 4.19% | ||
| ROIC | 3.31% | ||
| ROICexc | 3.67% | ||
| ROICexgc | 4.15% | ||
| OM | 7.66% | ||
| PM (TTM) | 2.43% | ||
| GM | 68.99% | ||
| FCFM | 9.04% |
ROA(3y)0.33%
ROA(5y)0.21%
ROE(3y)4.27%
ROE(5y)2.87%
ROIC(3y)2.68%
ROIC(5y)N/A
ROICexc(3y)3.2%
ROICexc(5y)N/A
ROICexgc(3y)3.93%
ROICexgc(5y)N/A
ROCE(3y)3.4%
ROCE(5y)N/A
ROICexgc growth 3Y9.34%
ROICexgc growth 5Y11.63%
ROICexc growth 3Y12%
ROICexc growth 5Y11.95%
OM growth 3Y10.35%
OM growth 5Y13.26%
PM growth 3Y-5.95%
PM growth 5Y2.27%
GM growth 3Y1.46%
GM growth 5Y3.08%
F-Score6
Asset Turnover0.32
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.85 | ||
| Debt/FCF | 2.71 | ||
| Debt/EBITDA | 2.4 | ||
| Cap/Depr | 30.1% | ||
| Cap/Sales | 0.3% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 108.01% | ||
| Profit Quality | 372.74% | ||
| Current Ratio | 1.39 | ||
| Quick Ratio | 1.39 | ||
| Altman-Z | 0.69 |
F-Score6
WACC7.53%
ROIC/WACC0.44
Cap/Depr(3y)41.64%
Cap/Depr(5y)34.89%
Cap/Sales(3y)0.6%
Cap/Sales(5y)0.57%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)22.08%
EPS 3Y7.94%
EPS 5Y21.84%
EPS Q2Q%-47.06%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)4.25%
Revenue growth 3Y19.39%
Revenue growth 5Y21.46%
Sales Q2Q%9.29%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y15.56%
EBIT growth 3Y31.74%
EBIT growth 5Y37.57%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y35.72%
FCF growth 3Y5.52%
FCF growth 5Y73.17%
OCF growth 1Y24.08%
OCF growth 3Y5.63%
OCF growth 5Y58.99%
TIPTREE INC / TIPT FAQ
What is the fundamental rating for TIPT stock?
ChartMill assigns a fundamental rating of 4 / 10 to TIPT.
Can you provide the valuation status for TIPTREE INC?
ChartMill assigns a valuation rating of 3 / 10 to TIPTREE INC (TIPT). This can be considered as Overvalued.
Can you provide the profitability details for TIPTREE INC?
TIPTREE INC (TIPT) has a profitability rating of 5 / 10.
Is the dividend of TIPTREE INC sustainable?
The dividend rating of TIPTREE INC (TIPT) is 5 / 10 and the dividend payout ratio is 49.45%.