(TIPT) Tiptree - Overview
Sector: Financial Services | Industry: Insurance - Specialty | Exchange: NASDAQ (USA) | Market Cap: 658m USD | Total Return: -20.9% in 12m
Avg Turnover: 4.35M
EPS Trend: 55.7%
Rev. Trend: -11.5%
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Tiptree Inc. (NASDAQ: TIPT) is a Greenwich-based holding company that historically focused on the specialty insurance sector. Following its rebranding from Tiptree Financial Inc. in 2016, the company transitioned its operational profile after previously providing niche insurance products and services.
The specialty insurance sector typically focuses on underwriting risks that are unique or difficult to place in the standard insurance market, often requiring highly technical expertise. As a holding company, Tiptree’s business model involves allocating capital across various subsidiaries to generate long-term book value growth. Investors may find it beneficial to review the latest filings on ValueRay to track the companys current capital allocation strategy. Tiptree continues to operate within the Property & Casualty Insurance industry framework despite its evolving operational footprint.
- Fortitude Re partnership drives growth in specialty insurance and reinsurance premiums
- Fortitude Re capital investment accelerates expansion of high-margin insurance services
- Investment income volatility impacts total return performance in the Fortitude Re portfolio
- Interest rate fluctuations influence valuation of specialty insurance and asset management segments
- Strategic shifts in underwriting standards dictate long-term profitability within the insurance platform
| Net Income: 30.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -1.30 > 1.0 |
| NWC/Revenue: -6.98% < 20% (prev -49.56%; Δ 42.58% < -1%) |
| CFO/TA 0.03 > 3% & CFO 183.4m > Net Income 30.3m |
| Net Debt (54.4m) to EBITDA (97.0m): 0.56 < 3 |
| Current Ratio: 0.32 > 1.5 & < 3 |
| Outstanding Shares: last quarter (41.9m) vs 12m ago 8.98% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 16.44% > 50% (prev 35.08%; Δ -18.64% > 0%) |
| Interest Coverage Ratio: 4.43 > 6 (EBITDA TTM 97.0m / Interest Expense TTM 21.6m) |
| A: -0.01 (Total Current Assets 34.0m - Total Current Liabilities 107.4m) / Total Assets 6.97b |
| B: 0.02 (Retained Earnings 133.6m / Total Assets 6.97b) |
| C: 0.01 (EBIT TTM 95.6m / Avg Total Assets 6.39b) |
| D: 0.02 (Book Value of Equity 113.9m / Total Liabilities 6.22b) |
| Altman-Z'' = 0.11 = B |
As of May 28, 2026, the stock is trading at USD 17.34 with a total of 258,142 shares traded.
Over the past week, the price has changed by +4.33%,
over one month by +1.77%,
over three months by +2.57% and
over the past year by -20.92%.
Tiptree has no consensus analysts rating.
P/E Forward = 12.1065
P/S = 0.2955
P/B = 1.3004
P/EG = 3.1371
Revenue TTM = 1.05b USD
EBIT TTM = 95.6m USD
EBITDA TTM = 97.0m USD
Long Term Debt = 64.1m USD (from longTermDebt, last quarter)
Short Term Debt = 7.98m USD (from shortTermDebt, last quarter)
Debt = 88.4m USD (from shortLongTermDebtTotal, last quarter) + Leases 8.14m
Net Debt = 54.4m USD (calculated: Debt 88.4m - CCE 34.0m)
Enterprise Value = 712.6m USD (658.2m + Debt 88.4m - CCE 34.0m)
Interest Coverage Ratio = 4.43 (Ebit TTM 95.6m / Interest Expense TTM 21.6m)
EV/FCF = 15.01x (Enterprise Value 712.6m / FCF TTM 47.5m)
FCF Yield = 6.66% (FCF TTM 47.5m / Enterprise Value 712.6m)
FCF Margin = 4.52% (FCF TTM 47.5m / Revenue TTM 1.05b)
Net Margin = 2.88% (Net Income TTM 30.3m / Revenue TTM 1.05b)
Gross Margin = unknown ((Revenue TTM 1.05b - Cost of Revenue TTM 33.8m) / Revenue TTM)
Tobins Q-Ratio = 0.10 (Enterprise Value 712.6m / Total Assets 6.97b)
Interest Expense / Debt = 24.38% (Interest Expense 21.6m / Debt 88.4m)
Taxrate = 21.0% (US default 21%)
NOPAT = 75.5m (EBIT 95.6m * (1 - 21.00%))
Current Ratio = 0.05 (Total Current Assets 34.0m / Total Current Liabilities 703.7m)
Debt / Equity = 0.18 (Debt 88.4m / totalStockholderEquity, last quarter 504.3m)
Debt / EBITDA = 0.56 (Net Debt 54.4m / EBITDA 97.0m)
Debt / FCF = 1.15 (Net Debt 54.4m / FCF TTM 47.5m)
Total Stockholder Equity = 504.5m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.47% (Net Income 30.3m / Total Assets 6.97b)
RoE = 6.01% (Net Income TTM 30.3m / Total Stockholder Equity 504.5m)
RoCE = 16.81% (EBIT 95.6m / Capital Employed (Equity 504.5m + L.T.Debt 64.1m))
RoIC = 1.10% (NOPAT 75.5m / Invested Capital 6.87b)
WACC = 9.10% (E(658.2m)/V(746.6m) * Re(7.73%) + D(88.4m)/V(746.6m) * Rd(24.38%) * (1-Tc(0.21)))
Discount Rate = 7.73% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 73.33 | Cagr: 4.75%
[DCF] Terminal Value 70.35% ; FCFF base≈74.6m ; Y1≈65.4m ; Y5≈52.9m
[DCF] Fair Price = 18.67 (EV 755.7m - Net Debt 54.4m = Equity 701.3m / Shares 37.6m; r=9.10% [WACC]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: 55.65 | EPS CAGR: 44.41% | SUE: N/A | # QB: 0
Revenue Correlation: -11.47 | Revenue CAGR: -2.48% | SUE: N/A | # QB: 0