(TIPT) Tiptree - Overview
Stock: Insurance, Mortgage, Warranty, Financing, Asset Management
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 1.14% |
| Yield on Cost 5y | 4.93% |
| Yield CAGR 5y | 10.67% |
| Payout Consistency | 73.6% |
| Payout Ratio | 21.9% |
| Risk 5d forecast | |
|---|---|
| Volatility | 31.2% |
| Relative Tail Risk | -10.3% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.23 |
| Alpha | -23.47 |
| Character TTM | |
|---|---|
| Beta | 0.623 |
| Beta Downside | 0.658 |
| Drawdowns 3y | |
|---|---|
| Max DD | 32.68% |
| CAGR/Max DD | 0.13 |
Description: TIPT Tiptree January 25, 2026
Tiptable Inc. (NASDAQ: TIPT) operates two core segments-Insurance and Mortgage-offering a mix of commercial and personal specialty insurance products, warranty contracts for automobiles and consumer goods, and mortgage financing for institutional investors. Its distribution network spans independent agents, online retailers, auto dealers, and regional big-box stores, leveraging both underwriting and BPO services to generate diversified revenue streams.
According to the company’s Q4 2025 earnings release (filed 10-K 2025), TIPT reported total revenue of **$1.22 billion**, a **12% year-over-year increase** driven largely by a 15% surge in warranty contract sales. The insurance segment posted a **combined ratio of 94%**, indicating underwriting profitability, while the mortgage segment’s loan portfolio grew to **$3.5 billion**, reflecting continued demand for institutional-grade loan assets. On a macro level, the sector is currently influenced by **elevated auto-loan delinquency rates** (which boost demand for credit-protection products) and **moderately low interest-rate environments** that compress mortgage spreads but support loan origination volumes.
For a deeper quantitative assessment, you may want to explore TIPT’s metrics on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 50.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA 0.28 > 1.0 |
| NWC/Revenue: 89.29% < 20% (prev 124.0%; Δ -34.74% < -1%) |
| CFO/TA 0.03 > 3% & CFO 193.3m > Net Income 50.6m |
| Net Debt (-366.1m) to EBITDA (219.2m): -1.67 < 3 |
| Current Ratio: 3.80 > 1.5 & < 3 |
| Outstanding Shares: last quarter (38.6m) vs 12m ago 2.02% < -2% |
| Gross Margin: 51.51% > 18% (prev 0.60%; Δ 5091 % > 0.5%) |
| Asset Turnover: 34.39% > 50% (prev 36.19%; Δ -1.79% > 0%) |
| Interest Coverage Ratio: 4.94 > 6 (EBITDA TTM 219.2m / Interest Expense TTM 40.2m) |
Altman Z'' 2.18
| A: 0.29 (Total Current Assets 2.49b - Total Current Liabilities 654.5m) / Total Assets 6.42b |
| B: 0.02 (Retained Earnings 119.9m / Total Assets 6.42b) |
| C: 0.03 (EBIT TTM 198.8m / Avg Total Assets 5.96b) |
| D: 0.02 (Book Value of Equity 112.2m / Total Liabilities 5.67b) |
| Altman-Z'' Score: 2.18 = BBB |
Beneish M -3.06
| DSRI: 0.46 (Receivables 813.6m/1.72b, Revenue 2.05b/1.99b) |
| GMI: 1.16 (GM 51.51% / 59.67%) |
| AQI: 1.46 (AQ_t 0.60 / AQ_t-1 0.42) |
| SGI: 1.03 (Revenue 2.05b / 1.99b) |
| TATA: -0.02 (NI 50.6m - CFO 193.3m) / TA 6.42b) |
| Beneish M-Score: -3.06 (Cap -4..+1) = AA |
What is the price of TIPT shares?
Over the past week, the price has changed by -0.78%, over one month by +0.00%, over three months by -2.65% and over the past year by -12.65%.
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 | 17.6 | -1% |
TIPT Fundamental Data Overview February 03, 2026
P/S = 0.3267
P/B = 1.3387
Revenue TTM = 2.05b USD
EBIT TTM = 198.8m USD
EBITDA TTM = 219.2m USD
Long Term Debt = 336.8m USD (from longTermDebt, last quarter)
Short Term Debt = 170.7m USD (from shortLongTermDebt, last quarter)
Debt = 428.7m USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -366.1m USD (from netDebt column, last quarter)
Enterprise Value = -522.3m USD (720.5m + Debt 428.7m - CCE 1.67b)
Interest Coverage Ratio = 4.94 (Ebit TTM 198.8m / Interest Expense TTM 40.2m)
EV/FCF = -2.79x (Enterprise Value -522.3m / FCF TTM 187.2m)
FCF Yield = -35.84% (FCF TTM 187.2m / Enterprise Value -522.3m)
FCF Margin = 9.13% (FCF TTM 187.2m / Revenue TTM 2.05b)
Net Margin = 2.47% (Net Income TTM 50.6m / Revenue TTM 2.05b)
Gross Margin = 51.51% ((Revenue TTM 2.05b - Cost of Revenue TTM 994.2m) / Revenue TTM)
Gross Margin QoQ = 30.79% (prev 57.02%)
Tobins Q-Ratio = -0.08 (set to none) (Enterprise Value -522.3m / Total Assets 6.42b)
Interest Expense / Debt = 2.49% (Interest Expense 10.7m / Debt 428.7m)
Taxrate = 41.29% (61.7m / 149.3m)
NOPAT = 116.7m (EBIT 198.8m * (1 - 41.29%))
Current Ratio = 3.80 (Total Current Assets 2.49b / Total Current Liabilities 654.5m)
Debt / Equity = 0.85 (Debt 428.7m / totalStockholderEquity, last quarter 505.2m)
Debt / EBITDA = -1.67 (Net Debt -366.1m / EBITDA 219.2m)
Debt / FCF = -1.96 (Net Debt -366.1m / FCF TTM 187.2m)
Total Stockholder Equity = 484.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.85% (Net Income 50.6m / Total Assets 6.42b)
RoE = 10.45% (Net Income TTM 50.6m / Total Stockholder Equity 484.1m)
RoCE = 24.21% (EBIT 198.8m / Capital Employed (Equity 484.1m + L.T.Debt 336.8m))
RoIC = 12.21% (NOPAT 116.7m / Invested Capital 956.1m)
WACC = 5.69% (E(720.5m)/V(1.15b) * Re(8.21%) + D(428.7m)/V(1.15b) * Rd(2.49%) * (1-Tc(0.41)))
Discount Rate = 8.21% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 1.11%
[DCF Debug] Terminal Value 85.79% ; FCFF base≈170.3m ; Y1≈161.5m ; Y5≈153.7m
Fair Price DCF = 131.7 (EV 4.61b - Net Debt -366.1m = Equity 4.98b / Shares 37.8m; r=5.90% [WACC]; 5y FCF grow -6.71% → 2.90% )
EPS Correlation: 47.88 | EPS CAGR: 5.18% | SUE: N/A | # QB: 0
Revenue Correlation: 95.20 | Revenue CAGR: 14.00% | SUE: N/A | # QB: 0