Tiptree (TIPT) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Tiptree

NasdaqCM•Financial Services•Asset Management

$18.49-0.10(-0.01%)Market closed

Market Cap

$656.64M

P/E

1.6x

P/B

0.7x

Tiptree Inc. does not have significant operations. Previously, it was engaged in the provision of specialty insurance products. The company was formerly known as Tiptree Financial Inc. and changed its name to Tiptree Inc. in December 2016. Tiptree Inc. was incorporated in 2007 and is based in Greenwich, Connecticut.

How this company scores

AverageMetricSide Score: 48/100

Strongest: Balance Sheet & Red Flags (15/25); weakest: Cash & Earnings Quality (8/25).

Profitability14/25

Growth11/25

Balance Sheet & Red Flags15/25

Cash & Earnings Quality8/25

Strengths

High ROERising earningsInterest easily coveredProfit converts from growth

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 1.6x5y range 1.6x – 77.5x

Currently below its 16-quarter median.

P/S · 1427.1x5y range 0.3x – 1427.1x

Currently above its 18-quarter median.

P/B · 0.7x5y range 0.7x – 1.3x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

Operating margins dropped 5843838197.6% over recent quarters — a sharp decline suggesting serious cost or pricing challenges.

Earnings Quality

Red Flag

Free cash flow has been negative in 4 of the last 8 quarters — earnings are not translating to cash.

Price & Volume

Market Cap $656.64M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $-1.03B
Q. Revenue: $0
TTM EBITDA: $-150.47M
TTM Op. Income: $-142.83M
Q. Op. Income: $-9.05M
TTM Net Income: $413.81M
Q. Net Income: $389.23M
EPS: $10.38
Shares Out.: $37.50M

$-1.03B in TTM revenue declined 150.7% YoY, reaching $0 last quarter. TTM EBITDA of $-150.47M and TTM operating income of $-142.83M show growth is flowing through to the bottom line. TTM net income of $413.81M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has fallen for 3 consecutive quarters — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: N/A
Op. Margin: -905100000.0%
Net Margin: 38923300000.0%

Op. margin of -905100000.0% is down 905100010.0% YoY — costs are rising relative to revenue. Net margin at 38923300000.0% Across the last 8 quarters, operating margin has fallen for 2 consecutive quarters — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 1.6x
P/S Ratio: N/A
P/B Ratio: 0.7x

At 1.6x P/E, the stock trades below typical market levels. P/S of 0.0x and P/B of 0.7x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Across the last 8 quarters, P/E has fallen for 2 consecutive quarters — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $1.13B
Cash: $946.93M
Long-Term Debt: N/A
Book Value: $907.12M
D/E Ratio: N/A
Debt/EBITDA: N/A

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $-10.05M
TTM Free Cash Flow: $-35.54M
FCF Margin: N/A
FCF / Net Income: -0.1

TTM FCF of $-35.54M on $-10.05M in operating cash flow. The FCF / Net Income ratio of -0.1x means the business consumes cash — it is not yet self-funding. Over the past year, free cash flow is down 131% — a weakening trend.