TIPTREE INC (TIPT) Stock Fundamental Analysis
USA - NASDAQ:TIPT - US88822Q1031 - Common Stock
18.82 USD
-0.28 (-1.47%)
18.82 USD
0 (0%)
TIPT gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 146 industry peers in the Insurance industry. TIPT has an average financial health and profitability rating. TIPT is not valued too expensively and it also shows 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.
In the past 5 years TIPT always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of TIPT (0.91%) is worse than 60.96% of its industry peers.
Looking at the Return On Equity, with a value of 11.13%, TIPT is in line with its industry, outperforming 54.11% of the companies in the same industry.
TIPT's Return On Invested Capital of 3.40% is fine compared to the rest of the industry. TIPT outperforms 63.01% of its industry peers.
TIPT had an Average Return On Invested Capital over the past 3 years of 2.68%. This is in line with the industry average of 4.51%.
The 3 year average ROIC (2.68%) for TIPT is below the current ROIC(3.40%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.91% | ||
| ROE | 11.13% | ||
| ROIC | 3.4% |
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 2.75%, TIPT is not doing good in the industry: 76.03% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of TIPT has grown nicely.
TIPT has a worse Operating Margin (7.76%) than 65.75% of its industry peers.
In the last couple of years the Operating Margin of TIPT has grown nicely.
With an excellent Gross Margin value of 67.99%, TIPT belongs to the best of the industry, outperforming 95.89% of the companies in the same industry.
TIPT's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 7.76% | ||
| PM (TTM) | 2.75% | ||
| GM | 67.99% |
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.
TIPT has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, TIPT has more shares outstanding
TIPT has a better debt/assets ratio than last year.
2.2 Solvency
TIPT has an Altman-Z score of 0.73. This is a bad value and indicates that TIPT is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of TIPT (0.73) is better than 75.34% of its industry peers.
The Debt to FCF ratio of TIPT is 4.31, which is a neutral value as it means it would take TIPT, 4.31 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 4.31, TIPT perfoms like the industry average, outperforming 41.78% of the companies in the same industry.
A Debt/Equity ratio of 0.93 indicates that TIPT is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.93, TIPT is not doing good in the industry: 86.99% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.93 | ||
| Debt/FCF | 4.31 | ||
| Altman-Z | 0.73 |
ROIC/WACC0.45
WACC7.55%
2.3 Liquidity
A Current Ratio of 1.44 indicates that TIPT should not have too much problems paying its short term obligations.
TIPT has a better Current ratio (1.44) than 86.30% of its industry peers.
TIPT has a Quick Ratio of 1.44. This is a normal value and indicates that TIPT is financially healthy and should not expect problems in meeting its short term obligations.
The Quick ratio of TIPT (1.44) is better than 86.30% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.44 | ||
| Quick Ratio | 1.44 |
3. Growth
3.1 Past
TIPT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 77.89%, which is quite impressive.
The Earnings Per Share has been growing by 21.84% on average over the past years. This is a very strong growth
Looking at the last year, TIPT shows a small growth in Revenue. The Revenue has grown by 6.10% in the last year.
Measured over the past years, TIPT shows a very strong growth in Revenue. The Revenue has been growing by 21.46% on average per year.
EPS 1Y (TTM)77.89%
EPS 3Y7.94%
EPS 5Y21.84%
EPS Q2Q%-6.45%
Revenue 1Y (TTM)6.1%
Revenue growth 3Y19.39%
Revenue growth 5Y21.46%
Sales Q2Q%-3.28%
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 12.98 indicates a correct valuation of TIPT.
TIPT's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 26.35. TIPT is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.98 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, TIPT is valued cheaply inside the industry as 80.82% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, TIPT is valued a bit cheaper than 67.81% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.17 | ||
| EV/EBITDA | 4.65 |
4.3 Compensation for Growth
TIPT has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.59
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.31%, TIPT has a reasonable but not impressive dividend return.
TIPT's Dividend Yield is comparable with the industry average which is at 3.45.
Compared to an average S&P500 Dividend Yield of 2.36, TIPT's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.31% |
5.2 History
The dividend of TIPT is nicely growing with an annual growth rate of 33.87%!
TIPT has paid a dividend for at least 10 years, which is a reliable track record.
TIPT has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)33.87%
Div Incr Years2
Div Non Decr Years9
5.3 Sustainability
44.54% 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.
DP44.54%
EPS Next 2YN/A
EPS Next 3YN/A
18.82
-0.28 (-1.47%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners38.72%
Inst Owner Change0.91%
Ins Owners38.85%
Ins Owner Change0.71%
Market Cap705.75M
Revenue(TTM)2.02B
Net Income(TTM)55.65M
Analysts0
Price TargetN/A
Short Float %1.27%
Short Ratio1.12
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.31% |
Yearly Dividend0.67
Dividend Growth(5Y)33.87%
DP44.54%
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 | 12.98 | ||
| Fwd PE | N/A | ||
| P/S | 0.35 | ||
| P/FCF | 6.17 | ||
| P/OCF | 5.93 | ||
| P/B | 1.41 | ||
| P/tB | 3.89 | ||
| EV/EBITDA | 4.65 |
EPS(TTM)1.45
EY7.7%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)3.05
FCFY16.22%
OCF(TTM)3.18
OCFY16.88%
SpS53.98
BVpS13.33
TBVpS4.84
PEG (NY)N/A
PEG (5Y)0.59
Graham Number20.85
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.91% | ||
| ROE | 11.13% | ||
| ROCE | 4.3% | ||
| ROIC | 3.4% | ||
| ROICexc | 3.8% | ||
| ROICexgc | 4.33% | ||
| OM | 7.76% | ||
| PM (TTM) | 2.75% | ||
| GM | 67.99% | ||
| FCFM | 5.65% |
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 Turnover0.33
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.93 | ||
| Debt/FCF | 4.31 | ||
| Debt/EBITDA | 2.61 | ||
| Cap/Depr | 22.54% | ||
| Cap/Sales | 0.23% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 67.05% | ||
| Profit Quality | 205.68% | ||
| Current Ratio | 1.44 | ||
| Quick Ratio | 1.44 | ||
| Altman-Z | 0.73 |
F-Score6
WACC7.55%
ROIC/WACC0.45
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)77.89%
EPS 3Y7.94%
EPS 5Y21.84%
EPS Q2Q%-6.45%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)6.1%
Revenue growth 3Y19.39%
Revenue growth 5Y21.46%
Sales Q2Q%-3.28%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y29.24%
EBIT growth 3Y31.74%
EBIT growth 5Y37.57%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-41.54%
FCF growth 3Y5.52%
FCF growth 5Y73.17%
OCF growth 1Y-44.6%
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 5 / 10 to TIPT.
Can you provide the valuation status for TIPTREE INC?
ChartMill assigns a valuation rating of 4 / 10 to TIPTREE INC (TIPT). This can be considered as Fairly Valued.
Can you provide the profitability details for TIPTREE INC?
TIPTREE INC (TIPT) has a profitability rating of 6 / 10.
Is the dividend of TIPTREE INC sustainable?
The dividend rating of TIPTREE INC (TIPT) is 5 / 10 and the dividend payout ratio is 44.54%.