TIPTREE INC (TIPT) Fundamental Analysis & Valuation

NASDAQ:TIPT • US88822Q1031

Current stock price

17.2 USD
-0.03 (-0.17%)
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

  • In the past year TIPT was profitable.
  • In the past year TIPT had a positive cash flow from operations.
  • TIPT had positive earnings in 4 of the past 5 years.
  • In the past 5 years TIPT always reported a positive cash flow from operatings.
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

  • The Return On Assets of TIPT (0.54%) is worse than 70.95% of its industry peers.
  • TIPT has a worse Return On Equity (7.21%) than 66.22% of its industry peers.
  • TIPT has a Return On Invested Capital of 1.24%. This is in the lower half of the industry: TIPT underperforms 60.14% 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

  • With a Profit Margin value of 2.34%, TIPT is not doing good in the industry: 79.05% of the companies in the same industry are doing better.
  • TIPT's Operating Margin of 6.81% is on the low side compared to the rest of the industry. TIPT is outperformed by 72.30% 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.
  • 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.
  • 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

  • Based on the Altman-Z score of 0.37, we must say that TIPT is in the distress zone and has some risk of bankruptcy.
  • TIPT's Altman-Z score of 0.37 is fine compared to the rest of the industry. TIPT outperforms 70.95% of its industry peers.
  • The Debt to FCF ratio of TIPT is 0.43, which is an excellent value as it means it would take TIPT, only 0.43 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of TIPT (0.43) is better than 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's Debt to Equity ratio of 0.13 is fine compared to the rest of the industry. TIPT outperforms 72.97% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 0.43
Altman-Z 0.37
ROIC/WACC0.11
WACC11.45%
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

  • A Current Ratio of 0.86 indicates that TIPT may have some problems paying its short term obligations.
  • With a decent Current ratio value of 0.86, TIPT is doing good in the industry, outperforming 77.70% of the companies in the same industry.
  • A Quick Ratio of 0.86 indicates that TIPT may have some problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 0.86, TIPT is in the better half of the industry, outperforming 77.70% of the companies in the same industry.
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

  • The earnings per share for TIPT have decreased strongly by -31.92% in the last year.
  • 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

  • Based on the Price/Earnings ratio of 18.11, the valuation of TIPT can be described as rather expensive.
  • Compared to the rest of the industry, the Price/Earnings ratio of TIPT indicates a slightly more expensive valuation: TIPT is more expensive than 73.65% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.38. TIPT is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 18.11
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

  • Based on the Enterprise Value to EBITDA ratio, TIPT is valued a bit cheaper than 68.92% of the companies in the same industry.
  • 72.97% 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 3.87
EV/EBITDA 6.42
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

4

5. TIPT Dividend Analysis

5.1 Amount

  • TIPT has a Yearly Dividend Yield of 1.39%.
  • TIPT's Dividend Yield is comparable with the industry average which is at 2.44.
  • Compared to the average S&P500 Dividend Yield of 1.82, TIPT is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.39%

5.2 History

  • The dividend of TIPT is nicely growing with an annual growth rate of 7.74%!
  • TIPT has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)7.74%
Div Incr Years0
Div Non Decr Years0
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

  • 24.72% of the earnings are spent on dividend by TIPT. This is a low number and 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 (4/16/2026, 2:36:17 PM)

17.2

-0.03 (-0.17%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-24
Earnings (Next)04-28
Inst Owners44.8%
Inst Owner Change-0.01%
Ins Owners38.5%
Ins Owner Change0.08%
Market Cap651.54M
Revenue(TTM)1.57B
Net Income(TTM)36.69M
Analysts0
Price TargetN/A
Short Float %2.22%
Short Ratio2.09
Dividend
Industry RankSector Rank
Dividend Yield 1.39%
Yearly Dividend0.24
Dividend Growth(5Y)7.74%
DP24.72%
Div Incr Years0
Div Non Decr Years0
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 18.11
Fwd PE N/A
P/S 0.42
P/FCF 3.87
P/OCF 3.87
P/B 1.28
P/tB 1.28
EV/EBITDA 6.42
EPS(TTM)0.95
EY5.52%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)4.44
FCFY25.82%
OCF(TTM)4.44
OCFY25.82%
SpS41.33
BVpS13.43
TBVpS13.43
PEG (NY)N/A
PEG (5Y)N/A
Graham Number16.9401 (-1.51%)
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-Score4
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 0.37
F-Score4
WACC11.45%
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 for TIPT stock?

ChartMill assigns a valuation rating of 2 / 10 to TIPTREE INC (TIPT). This can be considered as Overvalued.


What is the profitability of TIPT stock?

TIPTREE INC (TIPT) has a profitability rating of 2 / 10.


How sustainable is the dividend of TIPTREE INC (TIPT) stock?

The dividend rating of TIPTREE INC (TIPT) is 4 / 10 and the dividend payout ratio is 24.72%.