TIPTREE INC (TIPT) Stock Fundamental Analysis

NASDAQ:TIPT • US88822Q1031

17.18 USD
+0.25 (+1.48%)
At close: Feb 26, 2026
17.18 USD
0 (0%)
After Hours: 2/26/2026, 5:28:54 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Overall TIPT gets a fundamental rating of 4 out of 10. We evaluated TIPT against 150 industry peers in the Insurance industry. Both the profitability and the financial health of TIPT get a neutral evaluation. Nothing too spectacular is happening here. While showing a medium growth rate, TIPT is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

  • In the past year TIPT was profitable.
  • TIPT had a positive operating cash flow in the past year.
  • 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.
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 0 100M 200M 300M 400M

1.2 Ratios

  • The Return On Assets of TIPT (0.78%) is worse than 62.67% of its industry peers.
  • TIPT has a Return On Equity (9.94%) which is in line with its industry peers.
  • With a decent Return On Invested Capital value of 3.31%, TIPT is doing good in the industry, outperforming 61.33% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for TIPT is significantly below the industry average of 15.13%.
  • 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 RankSector 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
TIPT Yearly ROA, ROE, ROICTIPT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10

1.3 Margins

  • TIPT has a worse Profit Margin (2.43%) than 75.33% of its industry peers.
  • In the last couple of years the Profit Margin of TIPT has grown nicely.
  • TIPT's Operating Margin of 7.66% is on the low side compared to the rest of the industry. TIPT is outperformed by 67.33% of its industry peers.
  • TIPT's Operating Margin has improved in the last couple of years.
  • Looking at the Gross Margin, with a value of 68.99%, TIPT belongs to the top of the industry, outperforming 96.00% of the companies in the same industry.
  • TIPT's Gross Margin has improved in the last couple of years.
Industry RankSector 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%
TIPT Yearly Profit, Operating, Gross MarginsTIPT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 40 60

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

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.
  • The number of shares outstanding for TIPT has been increased compared to 5 years ago.
  • The debt/assets ratio for TIPT has been reduced compared to a year ago.
TIPT Yearly Shares OutstandingTIPT Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 1B 2B 3B 4B 5B

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.
  • With a decent Altman-Z score value of 0.69, TIPT is doing good in the industry, outperforming 78.00% of the companies in the same industry.
  • 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 50.00% 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.
  • With a Debt to Equity ratio value of 0.85, TIPT is not doing good in the industry: 85.33% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.85
Debt/FCF 2.71
Altman-Z 0.69
ROIC/WACC0.45
WACC7.43%
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 100M 200M 300M 400M 500M

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 86.00% 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.
  • The Quick ratio of TIPT (1.39) is better than 86.00% of its industry peers.
Industry RankSector Rank
Current Ratio 1.39
Quick Ratio 1.39
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 1B 2B 3B

More info and screens

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

5

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.
  • The Revenue has been growing by 21.46% on average over the past years. This is a very strong growth!
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.
TIPT Yearly Revenue VS EstimatesTIPT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

More info and screens

Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 13.22, which indicates a correct valuation of TIPT.
  • TIPT's Price/Earnings ratio is in line with the industry average.
  • TIPT's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.21.
Industry RankSector Rank
PE 13.22
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 cheaper than 82.67% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, TIPT is valued a bit cheaper than 79.33% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.47
EV/EBITDA 4.37
TIPT Per share dataTIPT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.61
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

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

5

5. Dividend

5.1 Amount

  • TIPT has a Yearly Dividend Yield of 1.45%.
  • Compared to an average industry Dividend Yield of 2.63, TIPT has a dividend in line with its industry peers.
  • TIPT's Dividend Yield is comparable with the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 1.45%

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
TIPT Yearly Dividends per shareTIPT Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4

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
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 0 100M 200M 300M 400M
TIPT Dividend Payout.TIPT Dividend Payout, showing the Payout Ratio.TIPT Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

TIPTREE INC

NASDAQ:TIPT (2/26/2026, 5:28:54 PM)

After market: 17.18 0 (0%)

17.18

+0.25 (+1.48%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-24
Earnings (Next)04-28
Inst Owners40.65%
Inst Owner Change19.85%
Ins Owners38.52%
Ins Owner Change0.73%
Market Cap649.75M
Revenue(TTM)2.07B
Net Income(TTM)50.21M
Analysts0
Price TargetN/A
Short Float %1.34%
Short Ratio1.46
Dividend
Industry RankSector Rank
Dividend Yield 1.45%
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 RankSector Rank
PE 13.22
Fwd PE N/A
P/S 0.31
P/FCF 3.47
P/OCF 3.36
P/B 1.29
P/tB 3.42
EV/EBITDA 4.37
EPS(TTM)1.3
EY7.57%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)4.95
FCFY28.81%
OCF(TTM)5.11
OCFY29.75%
SpS54.73
BVpS13.36
TBVpS5.02
PEG (NY)N/A
PEG (5Y)0.61
Graham Number19.77
Profitability
Industry RankSector 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 RankSector 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
WACC7.43%
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)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 13.22 and the Price/Book (PB) ratio is 1.29.


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%.