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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 $17.97, about 39.3% undervalued vs fair value, -29.5% 1Y return, ranked 501/1078 in sector.
Metrics P/E 19.6× Rev Growth -267.5% ROE 7.2% Gross Margin -6835.3% Div Yield 1.31%
USD 17.97
-2.81%
(Delayed)
• Vol 90d: 23.5%
52-Week Range
Market Cap
$687.53M
Enterprise Value
$-410.01M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Weak
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Weak
Completeness: 100%
Confidence: 63%
Updated: Sep 12
Top Beats

Quick Facts

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

Next Events

Earnings Oct 30 Estimated

Fair Value Snapshot

Bear Base Bull
$14
$25
$47
Current: $17.97 +39% 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
41
/100
Developing
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Lean Expense Ratio vs Peers Expense efficiency is strong (score 1.00), with operating margin at 4330.3% vs peers.
  • Improving Expense Discipline Over Time Efficiency trend is positive (score 1.00), suggesting improving operational cost discipline.

Key risks

  • Volatile Underwriting Results Underwriting stability is low (score 0.06), indicating significant exposure to loss cycle or catastrophe volatility.
  • Below-Peer Return on Equity ROE signal is weak (score 0.18), with ROE at 7.2% trailing peers — raising capital efficiency concerns.

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
24
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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 (20.4%), Profitability (44.3%), and Safety (35.4%). Growth 20% Safety 35% Profitability 44%

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% 42p Asset Growth YoY 20.1% 88p EPS Growth YoY -33.9% 14p Rev Growth YoY -2.67 1p Revenue CAGR 3Y -92.0% 0p
Strengths
  • Operating Margin in top 20% of peers (43.30, 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 (-2.67)

Profitability

34th percentile vs peers
34
Key Signals
Strengths
Risks
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Safety

27th percentile vs peers
27
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
- - -
+39.3% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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