TIPTREE INC (TIPT) Fundamental Analysis & Valuation

NASDAQ:TIPT • US88822Q1031

Current stock price

16.67 USD
+0.26 (+1.58%)
Last:

This TIPT fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. TIPT Profitability Analysis

1.1 Basic Checks

  • TIPT had positive earnings in the past year.
  • TIPT had a positive operating cash flow in the past year.
  • Of the past 5 years TIPT 4 years were profitable.
  • TIPT had a positive operating cash flow in each of the past 5 years.
TIPT Yearly Net Income VS EBIT VS OCF VS FCFTIPT Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M 400M

1.2 Ratios

  • With a Return On Assets value of 0.54%, TIPT is not doing good in the industry: 70.27% of the companies in the same industry are doing better.
  • With a Return On Equity value of 7.21%, TIPT is not doing good in the industry: 64.19% of the companies in the same industry are doing better.
  • TIPT has a Return On Invested Capital of 1.24%. This is in the lower half of the industry: TIPT underperforms 61.49% of its industry peers.
Industry RankSector Rank
ROA 0.54%
ROE 7.21%
ROIC 1.24%
ROA(3y)0.57%
ROA(5y)0.51%
ROE(3y)7.29%
ROE(5y)5.91%
ROIC(3y)N/A
ROIC(5y)N/A
TIPT Yearly ROA, ROE, ROICTIPT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 2.34%, TIPT is doing worse than 77.70% of the companies in the same industry.
  • TIPT has a Operating Margin of 6.81%. This is in the lower half of the industry: TIPT underperforms 72.97% of its industry peers.
Industry RankSector Rank
OM 6.81%
PM (TTM) 2.34%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
TIPT Yearly Profit, Operating, Gross MarginsTIPT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10K 20K 30K 40K

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4

2. TIPT Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), TIPT is destroying value.
  • TIPT has more shares outstanding than it did 1 year ago.
  • TIPT has more shares outstanding than it did 5 years ago.
  • TIPT has a worse debt/assets ratio than last year.
TIPT Yearly Shares OutstandingTIPT Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
TIPT Yearly Total Debt VS Total AssetsTIPT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

2.2 Solvency

  • TIPT has an Altman-Z score of 0.36. This is a bad value and indicates that TIPT is not financially healthy and even has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 0.36, TIPT is in the better half of the industry, outperforming 71.62% of the companies in the same industry.
  • TIPT has a debt to FCF ratio of 0.43. This is a very positive value and a sign of high solvency as it would only need 0.43 years to pay back of all of its debts.
  • TIPT's Debt to FCF ratio of 0.43 is amongst the best of the industry. TIPT outperforms 84.46% of its industry peers.
  • TIPT has a Debt/Equity ratio of 0.13. This is a healthy value indicating a solid balance between debt and equity.
  • TIPT has a Debt to Equity ratio of 0.13. This is in the better half of the industry: TIPT outperforms 72.97% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 0.43
Altman-Z 0.36
ROIC/WACC0.11
WACC11.65%
TIPT Yearly LT Debt VS Equity VS FCFTIPT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M

2.3 Liquidity

  • TIPT has a Current Ratio of 0.86. This is a bad value and indicates that TIPT is not financially healthy enough and could expect problems in meeting its short term obligations.
  • TIPT has a Current ratio of 0.86. This is in the better half of the industry: TIPT outperforms 76.35% of its industry peers.
  • A Quick Ratio of 0.86 indicates that TIPT may have some problems paying its short term obligations.
  • TIPT has a Quick ratio of 0.86. This is in the better half of the industry: TIPT outperforms 76.35% of its industry peers.
Industry RankSector Rank
Current Ratio 0.86
Quick Ratio 0.86
TIPT Yearly Current Assets VS Current LiabilitesTIPT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

0

3. TIPT Growth Analysis

3.1 Past

  • TIPT shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -31.92%.
  • TIPT shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -23.37%.
  • The Revenue for TIPT have been decreasing by -76.86% on average. This is quite bad
EPS 1Y (TTM)-31.92%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-70.34%
Revenue 1Y (TTM)-23.37%
Revenue growth 3Y-92.73%
Revenue growth 5Y-76.86%
Sales Q2Q%-100.21%

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.
TIPT Yearly Revenue VS EstimatesTIPT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M 1B

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2

4. TIPT Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 17.55, TIPT is valued on the expensive side.
  • TIPT's Price/Earnings ratio is a bit more expensive when compared to the industry. TIPT is more expensive than 73.65% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.50. TIPT is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 17.55
Fwd PE N/A
TIPT Price Earnings VS Forward Price EarningsTIPT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of TIPT indicates a somewhat cheap valuation: TIPT is cheaper than 68.24% of the companies listed in the same industry.
  • 72.30% of the companies in the same industry are more expensive than TIPT, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 3.75
EV/EBITDA 6.13
TIPT Per share dataTIPT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. TIPT Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.53%, TIPT has a reasonable but not impressive dividend return.
  • TIPT's Dividend Yield is comparable with the industry average which is at 2.84.
  • TIPT's Dividend Yield is comparable with the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 1.53%

5.2 History

  • On average, the dividend of TIPT grows each year by 7.74%, 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)7.74%
Div Incr Years2
Div Non Decr Years9
TIPT Yearly Dividends per shareTIPT Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.1 0.2 0.3 0.4

5.3 Sustainability

  • TIPT pays out 24.72% of its income as dividend. This is a sustainable payout ratio.
DP24.72%
EPS Next 2YN/A
EPS Next 3YN/A
TIPT Yearly Income VS Free CF VS DividendTIPT Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M 200M 300M 400M
TIPT Dividend Payout.TIPT Dividend Payout, showing the Payout Ratio.TIPT Dividend Payout.PayoutRetained Earnings

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TIPT Fundamentals: All Metrics, Ratios and Statistics

TIPTREE INC

NASDAQ:TIPT (3/25/2026, 12:21:36 PM)

16.67

+0.26 (+1.58%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-24
Earnings (Next)04-28
Inst Owners44.72%
Inst Owner Change20.03%
Ins Owners38.55%
Ins Owner Change0.07%
Market Cap631.46M
Revenue(TTM)1.57B
Net Income(TTM)36.69M
Analysts0
Price TargetN/A
Short Float %1.24%
Short Ratio1.3
Dividend
Industry RankSector Rank
Dividend Yield 1.53%
Yearly Dividend0.24
Dividend Growth(5Y)7.74%
DP24.72%
Div Incr Years2
Div Non Decr Years9
Ex-Date03-16
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 RankSector Rank
PE 17.55
Fwd PE N/A
P/S 0.4
P/FCF 3.75
P/OCF 3.75
P/B 1.24
P/tB 1.24
EV/EBITDA 6.13
EPS(TTM)0.95
EY5.7%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)4.44
FCFY26.64%
OCF(TTM)4.44
OCFY26.64%
SpS41.33
BVpS13.43
TBVpS13.43
PEG (NY)N/A
PEG (5Y)N/A
Graham Number16.94
Profitability
Industry RankSector Rank
ROA 0.54%
ROE 7.21%
ROCE 1.57%
ROIC 1.24%
ROICexc 1.24%
ROICexgc 1.24%
OM 6.81%
PM (TTM) 2.34%
GM N/A
FCFM 10.75%
ROA(3y)0.57%
ROA(5y)0.51%
ROE(3y)7.29%
ROE(5y)5.91%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.23
Health
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 0.43
Debt/EBITDA 0.59
Cap/Depr 0%
Cap/Sales 0%
Interest Coverage 4.05
Cash Conversion 155.62%
Profit Quality 458.47%
Current Ratio 0.86
Quick Ratio 0.86
Altman-Z 0.36
F-Score3
WACC11.65%
ROIC/WACC0.11
Cap/Depr(3y)26.14%
Cap/Depr(5y)27.28%
Cap/Sales(3y)222.19%
Cap/Sales(5y)133.51%
Profit Quality(3y)445.6%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-31.92%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-70.34%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-23.37%
Revenue growth 3Y-92.73%
Revenue growth 5Y-76.86%
Sales Q2Q%-100.21%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-28.58%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-28.94%
FCF growth 3Y-28.09%
FCF growth 5Y4.73%
OCF growth 1Y-30.13%
OCF growth 3Y-28.65%
OCF growth 5Y3.71%

TIPTREE INC / TIPT Fundamental Analysis FAQ

What is the fundamental rating for TIPT stock?

ChartMill assigns a fundamental rating of 2 / 10 to TIPT.


What is the valuation status of TIPTREE INC (TIPT) stock?

ChartMill assigns a valuation rating of 2 / 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 2 / 10.


What is the valuation of TIPTREE INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for TIPTREE INC (TIPT) is 17.55 and the Price/Book (PB) ratio is 1.24.


Can you provide the dividend sustainability for TIPT stock?

The dividend rating of TIPTREE INC (TIPT) is 5 / 10 and the dividend payout ratio is 24.72%.