TIPTREE INC (TIPT) Stock Fundamental Analysis
USA - NASDAQ:TIPT - US88822Q1031 - Common Stock
18.35 USD
+0.64 (+3.61%)
Taking everything into account, TIPT scores 5 out of 10 in our fundamental rating. 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 has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
TIPT had positive earnings in the past year.
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.
TIPT had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
TIPT has a Return On Assets of 0.91%. This is in the lower half of the industry: TIPT underperforms 60.96% of its industry peers.
The Return On Equity of TIPT (11.13%) is comparable to the rest of the industry.
With a decent Return On Invested Capital value of 3.40%, TIPT is doing good in the industry, outperforming 64.38% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for TIPT is in line with the industry average of 4.50%.
The last Return On Invested Capital (3.40%) for TIPT is above the 3 year average (2.68%), which is a sign of increasing profitability.
| 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
The Profit Margin of TIPT (2.75%) is worse than 76.71% of its industry peers.
TIPT's Profit Margin has improved in the last couple of years.
With a Operating Margin value of 7.76%, TIPT is not doing good in the industry: 66.44% 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 (67.99%) is better than 95.89% of its industry peers.
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
TIPT has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for TIPT has been increased compared to 1 year ago.
Compared to 5 years ago, TIPT has more shares outstanding
The debt/assets ratio for TIPT has been reduced compared to a year ago.
2.2 Solvency
TIPT has an Altman-Z score of 0.72. 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 (0.72) is better than 74.66% of its industry peers.
TIPT has a debt to FCF ratio of 4.31. This is a neutral value as TIPT would need 4.31 years to pay back of all of its debts.
TIPT's Debt to FCF ratio of 4.31 is in line compared to the rest of the industry. TIPT outperforms 42.47% of its industry peers.
TIPT has a Debt/Equity ratio of 0.93. This is a neutral value indicating TIPT is somewhat dependend on debt financing.
TIPT's Debt to Equity ratio of 0.93 is on the low side compared to the rest of the industry. TIPT is outperformed by 86.99% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.93 | ||
| Debt/FCF | 4.31 | ||
| Altman-Z | 0.72 |
ROIC/WACC0.45
WACC7.49%
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.
TIPT's Quick ratio of 1.44 is amongst the best of the industry. TIPT outperforms 86.30% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.44 | ||
| Quick Ratio | 1.44 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 77.89% over the past year.
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.
The Revenue has been growing by 21.46% on average over the past years. This is a very strong growth!
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
With a Price/Earnings ratio of 12.66, TIPT is valued correctly.
The rest of the industry has a similar Price/Earnings ratio as TIPT.
Compared to an average S&P500 Price/Earnings ratio of 26.11, TIPT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.66 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of TIPT indicates a rather cheap valuation: TIPT is cheaper than 82.88% of the companies listed in the same industry.
69.18% of the companies in the same industry are more expensive than TIPT, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.01 | ||
| EV/EBITDA | 4.35 |
4.3 Compensation for Growth
The decent profitability rating of TIPT may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.58
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.36%, TIPT has a reasonable but not impressive dividend return.
TIPT's Dividend Yield is comparable with the industry average which is at 3.27.
Compared to an average S&P500 Dividend Yield of 2.37, TIPT's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.36% |
5.2 History
On average, the dividend of TIPT grows each year by 33.87%, which is quite nice.
TIPT has been paying a dividend for at least 10 years, so it has 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
TIPT pays out 44.54% of its income as dividend. 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.
DP44.54%
EPS Next 2YN/A
EPS Next 3YN/A
NASDAQ:TIPT (11/3/2025, 12:54:01 PM)
18.35
+0.64 (+3.61%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners38.72%
Inst Owner Change0.33%
Ins Owners38.85%
Ins Owner Change0.71%
Market Cap688.13M
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 | 1.36% |
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 | 12.66 | ||
| Fwd PE | N/A | ||
| P/S | 0.34 | ||
| P/FCF | 6.01 | ||
| P/OCF | 5.78 | ||
| P/B | 1.38 | ||
| P/tB | 3.79 | ||
| EV/EBITDA | 4.35 |
EPS(TTM)1.45
EY7.9%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)3.05
FCFY16.63%
OCF(TTM)3.18
OCFY17.31%
SpS53.98
BVpS13.33
TBVpS4.84
PEG (NY)N/A
PEG (5Y)0.58
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 | 0.72 |
F-Score6
WACC7.49%
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%.