Tiptree Inc. (TIPT) Financial Ratios
19 years of historical data (2007–2025)
EV/EBITDA
↓
N/A
—
5yr avg: 6.09
30Y Low3.3·High81.0
P/FCF
↑
3.94
↓-15% vs avg
5yr avg: 4.65
30Y Low1.1·High129.2
P/B Ratio
↓
0.87
↓-20% vs avg
5yr avg: 1.09
30Y Low0.1·High1.2
ROE
↓
5.0%
↓+2% vs avg
5yr avg: 4.8%
30Y Low-12%·High116%
Debt/EBITDA
↓
N/A
—
5yr avg: 3.73
30Y Low1.5·High21.4
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
TIPT Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Tiptree Inc. trades at 23.0x earnings, 16% below its 5-year average of 27.4x, sitting at the 64th percentile of its historical range. On a free-cash-flow basis, the stock trades at 3.9x P/FCF, 15% below the 5-year average of 4.6x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $662M | $686M | $791M | $713M | $492M | $466M | $170M | $281M | $194M | $222M | $195M |
| Enterprise Value | $712M | $736M | $1.1B | $687M | $251M | $713M | $397M | $517M | $462M | $457M | $925M |
| P/E Ratio → | 23.01 | 24.04 | 16.05 | 57.45 | — | 12.24 | — | 16.28 | 8.10 | 54.09 | 7.88 |
| P/S Ratio | 1357.52 | 1406.18 | 0.39 | 0.43 | 0.35 | 0.39 | 0.21 | 0.37 | 0.31 | 0.38 | 0.39 |
| P/B Ratio | 0.87 | 0.91 | 1.20 | 1.24 | 0.92 | 1.16 | 0.46 | 0.68 | 0.49 | 0.56 | 0.50 |
| P/FCF | 3.94 | 4.08 | 3.34 | 12.42 | 1.09 | 2.31 | 1.27 | 18.49 | 3.60 | 5.04 | 6.63 |
| P/OCF | 3.94 | 4.08 | 3.29 | 9.98 | 1.06 | 2.28 | 1.21 | 11.86 | 3.36 | 4.73 | 5.33 |
P/E links to full P/E history page with 30-year chart
TIPT EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1508.55 | 0.56 | 0.42 | 0.18 | 0.59 | 0.49 | 0.68 | 0.74 | 0.79 | 1.83 |
| EV / EBITDA | — | — | 6.70 | 6.45 | 3.26 | 7.94 | — | 12.11 | — | 28.23 | 17.93 |
| EV / EBIT | — | — | 6.31 | 6.21 | 2.98 | 6.92 | — | 9.20 | 64.04 | 20.57 | 13.19 |
| EV / FCF | — | 4.38 | 4.84 | 11.97 | 0.56 | 3.54 | 2.98 | 33.98 | 8.56 | 10.39 | 31.39 |
TIPT Profitability
Margins and return-on-capital ratios measuring operating efficiency
Tiptree Inc. earns an operating margin of -7973.6%. Operating margins have compressed from 5.0% to -7973.6% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 5.0% is modest.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | -6835.2% | -6835.2% | 58.8% | 63.5% | 67.6% | 72.8% | 70.8% | 77.7% | 75.7% | 100.0% | 100.0% |
| Operating Margin | -7973.6% | -7973.6% | 7.3% | 5.0% | 3.9% | 5.4% | -4.8% | 3.8% | -3.2% | -2.4% | 4.6% |
| Net Profit Margin | 7157.2% | 7157.2% | 2.6% | 0.8% | -0.6% | 3.2% | -3.6% | 2.4% | 3.8% | 0.6% | 5.0% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 5.0% | 5.0% | 8.7% | 2.5% | -1.8% | 9.9% | -7.4% | 4.5% | 6.0% | 0.9% | 6.4% |
| ROA | 0.6% | 0.6% | 1.0% | 0.3% | -0.2% | 1.2% | -1.1% | 0.9% | 1.2% | 0.1% | 0.9% |
| ROIC | -3.2% | -3.2% | 14.3% | 14.8% | 8.6% | 7.9% | -4.7% | 3.3% | -2.3% | -1.2% | 1.6% |
| ROCE | -0.9% | -0.9% | 10.7% | 10.2% | 6.3% | 10.3% | -1.5% | 1.4% | -1.3% | -0.9% | 1.4% |
TIPT Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Net debt stands at $50M ($81M total debt minus $31M cash).
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.11 | 0.11 | 0.57 | 0.77 | 0.56 | 1.06 | 0.97 | 0.90 | 0.89 | 0.87 | 2.03 |
| Debt / EBITDA | — | — | 2.19 | 4.16 | 3.86 | 4.71 | — | 8.64 | — | 21.36 | 15.37 |
| Net Debt / Equity | — | 0.07 | 0.54 | -0.04 | -0.45 | 0.62 | 0.61 | 0.57 | 0.67 | 0.59 | 1.87 |
| Net Debt / EBITDA | — | — | 2.08 | -0.24 | -3.13 | 2.75 | — | 5.52 | — | 14.53 | 14.15 |
| Debt / FCF | — | 0.30 | 1.50 | -0.45 | -0.53 | 1.23 | 1.70 | 15.49 | 4.97 | 5.35 | 24.76 |
| Interest Coverage | — | — | 5.63 | 4.00 | 2.79 | 2.73 | -0.19 | 2.08 | 0.27 | 0.87 | 3.34 |
TIPT Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.44x is below 1.0, meaning current liabilities exceed current assets. The current ratio has declined from 0.90x to 0.44x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.44 | 0.44 | 0.82 | 0.90 | 0.90 | 0.82 | — | — | 4.23 | 0.23 | 0.11 |
| Quick Ratio | 0.44 | 0.44 | 0.82 | 0.90 | 0.90 | 0.82 | — | — | 4.18 | 0.23 | 0.11 |
| Cash Ratio | 0.44 | 0.44 | 0.01 | 0.30 | 0.35 | 0.28 | — | — | 1.53 | 0.46 | 0.18 |
| Asset Turnover | — | 0.00 | 0.36 | 0.32 | 0.35 | 0.33 | 0.27 | 0.35 | 0.34 | 0.29 | 0.18 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
TIPT Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Tiptree Inc. returns 1.4% to shareholders annually primarily through dividends. The payout ratio of 26.0% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 4.3% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 1.4% | 1.3% | 3.1% | 1.9% | 1.6% | 1.2% | 3.3% | 2.0% | 2.5% | 1.6% | 1.6% |
| Payout Ratio | 26.0% | 26.0% | 46.5% | 98.4% | — | 14.2% | — | 30.0% | 20.0% | 97.1% | 12.6% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 4.3% | 4.2% | 6.2% | 1.7% | — | 8.2% | — | 6.1% | 12.3% | 1.8% | 12.7% |
| FCF Yield | 25.4% | 24.5% | 29.9% | 8.1% | 92.0% | 43.3% | 78.5% | 5.4% | 27.8% | 19.8% | 15.1% |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 0.0% | 0.4% | 1.7% | 8.2% | 3.2% | 7.3% | 3.3% | 22.4% |
| Total Shareholder Yield | 1.4% | 1.3% | 3.1% | 1.9% | 1.9% | 2.9% | 11.4% | 5.2% | 9.7% | 4.9% | 24.0% |
| Shares Outstanding | — | $38M | $38M | $38M | $36M | $34M | $34M | $35M | $35M | $37M | $32M |
Peer Comparison
Compare TIPT with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 TIPTYou | $662M | 23.0 | — | 3.9 | -6835.2% | -7973.6% | 5.0% | -3.2% | — |
 CODI | $761M | -3.3 | 14.2 | — | 38.5% | 2.3% | -41.5% | 1.0% | 10.4 |
 HCI | $2B | 6.6 | 2.2 | 4.8 | 73.2% | 47.7% | 37.8% | 675.0% | 0.2 |
 KFRC | $830M | 23.2 | 16.1 | 17.7 | 26.8% | 3.8% | 24.9% | 19.1% | 1.3 |
 HRTG | $706M | 3.7 | 0.9 | 4.1 | 63.0% | 30.6% | 49.1% | 1539.6% | 0.4 |
 ITIC | $488M | 13.9 | 9.7 | 19.2 | 98.3% | 16.3% | 13.5% | 13.7% | 0.2 |
 NODK | $326M | -31.8 | — | 182.4 | 29.6% | -4.3% | -4.3% | -4.8% | — |
 ACGL | $32B | 7.8 | 6.6 | 5.3 | 37.2% | 25.0% | 19.5% | 15.4% | 0.5 |
 FAF | $7B | 11.4 | 7.2 | 9.2 | 95.6% | 11.1% | 11.9% | 10.7% | 1.8 |
 FNF | $13B | 21.2 | 6.6 | 2.0 | 98.2% | 9.9% | 6.9% | 10.1% | 2.1 |
 RDN | $5B | 8.4 | 7.2 | 14.0 | 92.3% | 61.2% | 12.4% | 8.9% | 1.4 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 19 years · Updated daily
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TIPT — Frequently Asked Questions
Quick answers to the most common questions about buying TIPT stock.
What is Tiptree Inc.'s P/E ratio?
Tiptree Inc.'s current P/E ratio is 23.0x. The historical average is 22.7x. This places it at the 64th percentile of its historical range.
What is Tiptree Inc.'s ROE?
Tiptree Inc.'s return on equity (ROE) is 5.0%. The historical average is 7.9%.
Is TIPT stock overvalued?
Based on historical data, Tiptree Inc. is trading at a P/E of 23.0x. This is at the 64th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Tiptree Inc.'s dividend yield?
Tiptree Inc.'s current dividend yield is 1.38% with a payout ratio of 26.0%.
What are Tiptree Inc.'s profit margins?
Tiptree Inc. has -6835.2% gross margin and -7973.6% operating margin.