(TIPT) Tiptree - Ratings and Ratios
Insurance, Warranties, Mortgages, Asset Management
TIPT EPS (Earnings per Share)
TIPT Revenue
Description: TIPT Tiptree August 28, 2025
Tiptree Inc. (NASDAQ: TIPT) operates as a property‑and‑casualty insurer focused on specialty lines, primarily workers’ compensation, commercial auto, and excess liability, with a market presence concentrated in the United States.
Key performance indicators show a combined ratio consistently below 100%, indicating underwriting profitability; the latest reported combined ratio hovers around 92%, driven by a loss ratio near 68% and an expense ratio in the low 20s. Net written premiums have grown at a compound annual rate of roughly 5% over the past three years, supported by targeted acquisitions and organic market share gains.
Investment income remains a material contributor to earnings, with a portfolio weighted heavily toward investment‑grade fixed income; the current yield on the investment portfolio is approximately 4.2%, providing a buffer against underwriting volatility. Return on equity (ROE) sits near 12%, reflecting efficient capital deployment and disciplined risk management.
Capital adequacy is strong, with a risk‑based capital (RBC) ratio above 200% and a leverage ratio comfortably meeting NAIC standards. The company maintains a reinsurance program covering 40% of net premiums, mitigating exposure to large loss events.
Economic drivers influencing TIPT’s outlook include the trajectory of U.S. employment levels, which affect workers’ compensation exposure, and the frequency/severity of natural catastrophes that can impact commercial property lines. Additionally, the prevailing interest rate environment directly influences investment income; the recent rise in rates has improved investment yields but may increase the cost of policyholder liabilities.
Regulatory risk is moderate, with the insurer subject to state‑level oversight and periodic rate filings. Ongoing initiatives focus on digitization of claims processing and data analytics to enhance loss reserving accuracy and underwriting precision.
TIPT Stock Overview
| Market Cap in USD | 659m |
| Sub-Industry | Property & Casualty Insurance |
| IPO / Inception | 2007-06-22 |
TIPT Stock Ratings
| Growth Rating | 40.1% |
| Fundamental | 64.8% |
| Dividend Rating | 76.5% |
| Return 12m vs S&P 500 | -26.9% |
| Analyst Rating | - |
TIPT Dividends
| Dividend Yield 12m | 2.77% |
| Yield on Cost 5y | 10.63% |
| Annual Growth 5y | 32.29% |
| Payout Consistency | 74.9% |
| Payout Ratio | 44.3% |
TIPT Growth Ratios
| Growth Correlation 3m | -64.3% |
| Growth Correlation 12m | 10.2% |
| Growth Correlation 5y | 94.2% |
| CAGR 5y | 14.18% |
| CAGR/Max DD 3y (Calmar Ratio) | 0.43 |
| CAGR/Mean DD 3y (Pain Ratio) | 1.45 |
| Sharpe Ratio 12m | -0.10 |
| Alpha | -28.69 |
| Beta | 1.136 |
| Volatility | 33.15% |
| Current Volume | 279.2k |
| Average Volume 20d | 210.9k |
| Stop Loss | 16.9 (-4.6%) |
| Signal | 0.37 |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (56.1m TTM) > 0 and > 6% of Revenue (6% = 121.4m TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA -2.23pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 87.80% (prev 5.02%; Δ 82.78pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 119.1m > Net Income 56.1m (YES >=105%, WARN >=100%) |
| Net Debt (-383.8m) to EBITDA (202.7m) ratio: -1.89 <= 3.0 (WARN <= 3.5) |
| Current Ratio 3.66 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (38.6m) change vs 12m ago 2.29% (target <= -2.0% for YES) |
| Gross Margin 74.68% (prev 58.92%; Δ 15.76pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 42.22% (prev 55.15%; Δ -12.93pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 4.90 (EBITDA TTM 202.7m / Interest Expense TTM 37.2m) >= 6 (WARN >= 3) |
Altman Z'' 2.23
| (A) 0.29 = (Total Current Assets 2.44b - Total Current Liabilities 667.6m) / Total Assets 6.15b |
| (B) 0.02 = Retained Earnings (Balance) 115.8m / Total Assets 6.15b |
| (C) 0.04 = EBIT TTM 182.1m / Avg Total Assets 4.79b |
| (D) 0.02 = Book Value of Equity 104.2m / Total Liabilities 5.42b |
| Total Rating: 2.23 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 64.76
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield -24.73% = -5.0 |
| 3. FCF Margin 5.66% = 1.41 |
| 4. Debt/Equity 0.86 = 2.15 |
| 5. Debt/Ebitda -1.89 = 2.50 |
| 6. ROIC - WACC (= 5.08)% = 6.35 |
| 7. RoE 11.84% = 0.99 |
| 8. Rev. Trend 92.68% = 6.95 |
| 9. EPS Trend 28.36% = 1.42 |
What is the price of TIPT shares?
Over the past week, the price has changed by -0.95%, over one month by -7.62%, over three months by -14.54% and over the past year by -11.25%.
Is Tiptree a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of TIPT is around 17.16 USD . This means that TIPT is currently overvalued and has a potential downside of -3.11%.
Is TIPT a buy, sell or hold?
What are the forecasts/targets for the TIPT price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | - | - |
| Analysts Target Price | - | - |
| ValueRay Target Price | 18.8 | 6.4% |
TIPT Fundamental Data Overview November 01, 2025
P/E Trailing = 13.6279
P/S = 0.3257
P/B = 1.3452
Beta = 1.136
Revenue TTM = 2.02b USD
EBIT TTM = 182.1m USD
EBITDA TTM = 202.7m USD
Long Term Debt = 322.0m USD (from longTermDebt, last quarter)
Short Term Debt = 171.0m USD (from shortLongTermDebt, last quarter)
Debt = 428.7m USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -383.8m USD (from netDebt column, last quarter)
Enterprise Value = -462.8m USD (659.3m + Debt 428.7m - CCE 1.55b)
Interest Coverage Ratio = 4.90 (Ebit TTM 182.1m / Interest Expense TTM 37.2m)
FCF Yield = -24.73% (FCF TTM 114.5m / Enterprise Value -462.8m)
FCF Margin = 5.66% (FCF TTM 114.5m / Revenue TTM 2.02b)
Net Margin = 2.77% (Net Income TTM 56.1m / Revenue TTM 2.02b)
Gross Margin = 74.68% ((Revenue TTM 2.02b - Cost of Revenue TTM 512.3m) / Revenue TTM)
Gross Margin QoQ = 89.69% (prev 57.86%)
Tobins Q-Ratio = -0.08 (set to none) (Enterprise Value -462.8m / Total Assets 6.15b)
Interest Expense / Debt = 2.53% (Interest Expense 10.9m / Debt 428.7m)
Taxrate = 40.99% (21.6m / 52.7m)
NOPAT = 107.4m (EBIT 182.1m * (1 - 40.99%))
Current Ratio = 3.66 (Total Current Assets 2.44b / Total Current Liabilities 667.6m)
Debt / Equity = 0.86 (Debt 428.7m / totalStockholderEquity, last quarter 499.8m)
Debt / EBITDA = -1.89 (Net Debt -383.8m / EBITDA 202.7m)
Debt / FCF = -3.35 (Net Debt -383.8m / FCF TTM 114.5m)
Total Stockholder Equity = 473.3m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.91% (Net Income 56.1m / Total Assets 6.15b)
RoE = 11.84% (Net Income TTM 56.1m / Total Stockholder Equity 473.3m)
RoCE = 22.89% (EBIT 182.1m / Capital Employed (Equity 473.3m + L.T.Debt 322.0m))
RoIC = 11.85% (NOPAT 107.4m / Invested Capital 906.8m)
WACC = 6.77% (E(659.3m)/V(1.09b) * Re(10.20%) + D(428.7m)/V(1.09b) * Rd(2.53%) * (1-Tc(0.41)))
Discount Rate = 10.20% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 1.15%
[DCF Debug] Terminal Value 69.80% ; FCFE base≈124.9m ; Y1≈118.4m ; Y5≈113.0m
Fair Price DCF = 38.01 (DCF Value 1.43b / Shares Outstanding 37.5m; 5y FCF grow -6.71% → 3.0% )
EPS Correlation: 28.36 | EPS CAGR: -0.97% | SUE: N/A | # QB: 0
Revenue Correlation: 92.68 | Revenue CAGR: 14.60% | SUE: N/A | # QB: 0
Additional Sources for TIPT Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle