17.78 USD
+0.06 (+0.34%)
17.78 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to TIPT. TIPT was compared to 146 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.
In multiple years TIPT reported negative net income over the last 5 years.
Each year in the past 5 years TIPT had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 0.78%, TIPT is not doing good in the industry: 63.01% of the companies in the same industry are doing better.
TIPT has a Return On Equity (9.94%) which is comparable to the rest of the industry.
TIPT has a better Return On Invested Capital (3.31%) than 63.01% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for TIPT is significantly below the industry average of 15.11%.
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
With a Profit Margin value of 2.43%, TIPT is not doing good in the industry: 76.71% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of TIPT has grown nicely.
With a Operating Margin value of 7.66%, TIPT is not doing good in the industry: 67.81% of the companies in the same industry are doing better.
In the last couple of years the Operating Margin of TIPT has grown nicely.
The Gross Margin of TIPT (68.99%) is better than 97.95% of its industry peers.
TIPT's Gross Margin has improved in the last couple of years.
| 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
TIPT has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, TIPT has more shares outstanding
The number of shares outstanding for TIPT has been increased compared to 5 years ago.
Compared to 1 year ago, TIPT has an improved debt to assets ratio.
2.2 Solvency
TIPT has an Altman-Z score of 0.69. This is a bad value and indicates that TIPT is not financially healthy and even has some risk of bankruptcy.
TIPT's Altman-Z score of 0.69 is fine compared to the rest of the industry. TIPT outperforms 76.71% of its industry peers.
TIPT has a debt to FCF ratio of 2.71. This is a good value and a sign of high solvency as TIPT would need 2.71 years to pay back of all of its debts.
TIPT has a Debt to FCF ratio (2.71) which is in line with 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 has a worse Debt to Equity ratio (0.85) than 86.99% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.85 | ||
| Debt/FCF | 2.71 | ||
| Altman-Z | 0.69 |
ROIC/WACC0.44
WACC7.54%
2.3 Liquidity
A Current Ratio of 1.39 indicates that TIPT should not have too much problems paying its short term obligations.
TIPT has a better Current ratio (1.39) than 85.62% of its industry peers.
A Quick Ratio of 1.39 indicates that TIPT should not have too much problems paying its short term obligations.
TIPT's Quick ratio of 1.39 is amongst the best of the industry. TIPT outperforms 85.62% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.39 | ||
| Quick Ratio | 1.39 |
3. Growth
3.1 Past
TIPT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 22.08%, which is quite impressive.
TIPT shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 21.84% yearly.
TIPT shows a small growth in Revenue. In the last year, the Revenue has grown by 4.25%.
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
A Price/Earnings ratio of 13.68 indicates a correct valuation of TIPT.
The rest of the industry has a similar Price/Earnings ratio as TIPT.
TIPT is valuated rather cheaply when we compare the Price/Earnings ratio to 27.25, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.68 | ||
| Fwd PE | N/A |
4.2 Price Multiples
80.14% of the companies in the same industry are more expensive than TIPT, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, TIPT is valued a bit cheaper than the industry average as 77.40% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.59 | ||
| EV/EBITDA | 4.53 |
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
With a Yearly Dividend Yield of 1.35%, TIPT has a reasonable but not impressive dividend return.
TIPT's Dividend Yield is comparable with the industry average which is at 2.42.
TIPT's Dividend Yield is slightly below the S&P500 average, which is at 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.35% |
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.
TIPT's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP49.45%
EPS Next 2YN/A
EPS Next 3YN/A
17.78
+0.06 (+0.34%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners40.65%
Inst Owner Change-0.29%
Ins Owners38.52%
Ins Owner Change0.73%
Market Cap672.44M
Revenue(TTM)2.07B
Net Income(TTM)50.21M
Analysts0
Price TargetN/A
Short Float %1.22%
Short Ratio1.3
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.35% |
Yearly Dividend0.67
Dividend Growth(5Y)33.87%
DP49.45%
Div Incr Years2
Div Non Decr Years9
Ex-DateN/A
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 | 13.68 | ||
| Fwd PE | N/A | ||
| P/S | 0.32 | ||
| P/FCF | 3.59 | ||
| P/OCF | 3.48 | ||
| P/B | 1.33 | ||
| P/tB | 3.54 | ||
| EV/EBITDA | 4.53 |
EPS(TTM)1.3
EY7.31%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)4.95
FCFY27.83%
OCF(TTM)5.11
OCFY28.75%
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
WACC7.54%
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.
What is the valuation status of TIPTREE INC (TIPT) stock?
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.
What is the valuation of TIPTREE INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for TIPTREE INC (TIPT) is 13.68 and the Price/Book (PB) ratio is 1.33.
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 49.45%.