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Company Analysis

Tiptree Inc. TIPT

A comprehensive view of key metrics, scores, and financial health for Tiptree Inc.

Overview of Tiptree Inc.

TIPT NCM
Financial Services Insurance - Specialty Framework: Insurance & Reinsurance Small Cap
Tiptree Inc. (TIPT), is a Small Cap company, in the Insurance - Specialty industry, last closed at $17.59, about 42.4% undervalued vs fair value, -3.8% 1Y return, ranked 536/1078 in sector.
Metrics P/E 19.6× Rev Growth -100.5% ROE 7.2% Gross Margin -6835.3% Div Yield 1.31%
USD 17.59
3.23%
(Delayed)
• Vol 90d: 22.0%
52-Week Range
Market Cap
$640.70M
Enterprise Value
$-306.23M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Weak
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Weak
Completeness: 100%
Confidence: 98%
Updated: Oct 31
Top Beats
No strong beats yet

Quick Facts

Website https://www.tiptreeinc.com
HQ Greenwich, CT
Employees 1,496
Fiscal year Dec 31

Next Events

Dividend Nov 16

Fair Value Snapshot

Bear Base Bull
$14
$25
$47
Current: $17.59 +42% vs base

Engine Room Money Flow™

Small Cap

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$488.0K
100.5%%
Claims & Losses
-$33.8M
16.1%%
Acquisition & Admin Expenses
$33.8M
Underwriting Result
-$48.3M
-17.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Loss Ratio
6935.2%
Poor

Claims & Losses / Revenue — core underwriting discipline metric; lower is better

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$18.3M
34.3% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Insurance & Reinsurance

Competitive Advantage Assessment

Evaluating Tiptree Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
22
/100
Weak
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Consistent Investment Income Investment consistency is high (score 0.88), reflecting a stable portfolio with predictable float income.

Key risks

  • Below-Peer Underwriting Margins Gross margin at 0th percentile and operating margin at 0th percentile indicate weak underwriting discipline vs peers.
  • Volatile Underwriting Results Underwriting stability is low (score 0.00), indicating significant exposure to loss cycle or catastrophe volatility.

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Underwriting Discipline

Weak
0
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Signals, strengths and risks for Underwriting Discipline

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Signals, strengths and risks for Float Investment Quality

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Signals, strengths and risks for Pricing Power

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Signals, strengths and risks for Capital Strength & Solvency

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Signals, strengths and risks for Operational Efficiency

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Signals, strengths and risks for Scale & Diversification

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Insurance (Life, P&C, Reinsurance) vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing TIPT's balance between Growth (21.3%), Profitability (51.1%), and Safety (27.5%). Growth 21% Safety 28% Profitability 51%

Click axes to expand details. Marker shows current allocation.

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Growth

15th percentile vs peers
16
Key Signals
Equity Growth YoY 11.1% 43p Asset Growth YoY 20.1% 89p EPS Growth YoY -33.9% 15p Rev Growth YoY -1.00 1p Revenue CAGR 3Y -93.0% 0p
Strengths
  • Net Profit Margin in top 20% of peers (71.57, 99th percentile)
  • Conservative leverage compared to industry peers
Risks
  • Growth in bottom 20% of peers (percentile: 15)
  • EPS Growth YoY in bottom 20% of peers (-33.9%)
  • Rev Growth YoY in bottom 20% of peers (-1.00)

Profitability

38th percentile vs peers
38
Key Signals
Strengths
Risks
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Safety

20th percentile vs peers
21
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Tiptree Inc..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$25.04
- - -
+42.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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