Tiptree Inc. (TIPT)
Valuation Overview•Is Tiptree Inc. Overvalued or Undervalued?
Commands a premium valuation multiple over its peers, likely pricing in superior execution.
Fragile underlying quality score of 38/100; weak margins or elevated debt leverage warrant caution.
Wall Street forecasts a balanced outlook with consensus price targets near the current price.
Verdict: Mixed fundamental profile with offsetting strengths and weaknesses.
Wall Street sentiment is generally neutral. However, capital return yields remain modest, anchored by a strong, well-covered dividend yield.
TIPT struggles with subpar profitability and pressured margins. This is paired with a moderately leveraged but stable balance sheet.
The company is facing top-line contraction (-93.0% 3Y CAGR) paired with stable bottom-line earnings. Operating efficiency remains adequate with margins around 7.1%.
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $0.00 | -100.0% | -93.0% | -77.3% | -48.8% | |
| EBITDA | -$6.8M | — | — | — | — | |
| Net Income | $14.2M | -34.6% | — | — | +19.7% | |
| EPS (Diluted) | $0.34 | -41.5% | — | — | +16.2% | |
| Free Cash Flow | -$8.3M | -28.9% | -28.1% | +4.7% | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | -31.2% | -2237.6% | -1314.5% | -614.8% |
| Operating Margin | 7.1% | -2653.7% | -1590.4% | -795.4% |
| Net Margin | 4.1% | 2386.9% | 1432.6% | 717.1% |
| FCF Margin | 18.5% | 11495.3% | 6907.0% | 3457.6% |
| Quarter | EPS Est. | EPS Act. | Surprise | EPS | Rev |
|---|---|---|---|---|---|
| Q2'26Latest | — | $-0.19 | — | ||
| Q1'26 | — | $-0.25 | — | ||
| Q4'25 | — | $0.71 | — | ||
| Q3'25 | — | $0.58 | — | ||
| Q2'25 | — | $0.59 | — | ||
| Q1'25 | — | $0.67 | — | ||
| Q4'24 | — | $0.71 | — | ||
| Q3'24 | — | $0.62 | — |
Total return is -21.9% (1Y), lagging the benchmark by -46.9%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | -2.4% | -11.7% | — |
| 1Y | -21.9% | -46.9% | +1.1% |
| 3YCAGR | +10.4% | -9.0% | +6.9% |
| 5YCAGR | +14.3% | +1.0% | +13.4% |
| 10YCAGR | +14.5% | +1.0% | — |
The S&P 500 is at 31.3x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about Tiptree Inc. (TIPT) valuation, health, and returns.
Based on peer relative multiples, Tiptree Inc. appears Slightly expensive versus peers compared to industry peers.
Tiptree Inc. has multiple valuation anchors: Peer Relative Fair Value: $15.28. A convergence of these signals offers higher conviction.
Tiptree Inc. displays weak financial health with a composite quality score of 38/100, supported by a Piotroski F-Score of 5/9, Return on Invested Capital (ROIC) of -3.2%.
Tiptree Inc. pays a 1.4% dividend yield, covered by a 26% payout ratio with 0 years of growth, supplemented by a 0.0% buyback yield.
Tiptree Inc.'s current growth trajectory is Decelerating. The company achieved -100.0% 1Y revenue growth and -41.5% 1Y EPS growth, compared to its 3Y revenue CAGR of -93.0%.
Wall Street consensus is Hold based on 0 analysts. The consensus price target represents a N/A change from current levels.
Investment risks for Tiptree Inc. include: -38.3% 1-year max drawdown. Volatility risk is characterized by a beta of 0.53x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.