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Tiptree Financial
(NASDAQ:TIPT)
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Rating:68Neutral
Price Target:
$20.00
▲(12.42% Upside)
Action:Reiterated
Date:07/30/26
The score is driven primarily by improving financial strength (meaningful deleveraging and consistently positive cash flow) and supportive technical trend (price above key moving averages). These positives are moderated by weaker earnings clarity due to volatile reported profitability and unusual TTM relationships, plus a relatively high P/E valuation. Corporate actions (Fortegra sale proceeds, capital returns, and the planned USIG acquisition) add upside but introduce execution/regulatory risk.
Positive Factors
Balance sheet deleveraging
Tiptree materially reduced leverage from roughly 1.0x in 2021–2023 to ~0.16x in 2025/TTM. This durable improvement strengthens financial flexibility, lowers refinancing and solvency risk, and supports sustained capital returns, M&A optionality and regulatory resilience over months.
Negative Factors
Earnings quality and volatility
Reported TTM results show an unusual negative revenue alongside strong net income, implying large non‑operating items or accounting distortions. That volatility weakens visibility into sustainable underwriting or investment margins and complicates medium‑term forecasting and capital planning.
Read all positive and negative factors
Positive Factors
Negative Factors
Balance sheet deleveraging
Tiptree materially reduced leverage from roughly 1.0x in 2021–2023 to ~0.16x in 2025/TTM. This durable improvement strengthens financial flexibility, lowers refinancing and solvency risk, and supports sustained capital returns, M&A optionality and regulatory resilience over months.
Read all positive factors
Tiptree Financial (TIPT) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$668.45M
Dividend Yield1.32%
Average Volume (3M)209.81K
Price to Earnings (P/E)―
Beta (1Y)0.65
Revenue Growth-73.08%
EPS Growth-226.17%
CountryUS
Employees27
SectorFinancial
Sector Strength70
IndustryInsurance - Specialty
Share Statistics
EPS (TTM)-0.12
Shares Outstanding37,239,693
10 Day Avg. Volume208,284
30 Day Avg. Volume209,810
Financial Highlights & Ratios
PEG Ratio-0.55
Price to Book (P/B)1.35
Price to Sales (P/S)1406.18
P/FCF Ratio4.08
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue>-0.01
Enterprise Value/Gross Profit>-0.01
Enterprise Value/Ebitda>-0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Tiptree Financial Business Overview & Revenue Model
Company Description
Tiptree Inc., operating through its various subsidiaries, specializes in the provision and management of tailored insurance solutions, primarily within the United States. The company's operations are structured around two principal business segmen...
How the Company Makes Money
Tiptree historically generated earnings primarily from (1) insurance operations—collecting premiums from policyholders and recognizing underwriting results (premiums earned minus claims, loss adjustment expenses, and operating expenses), and (2) i...
Tiptree Financial Earnings Call Summary
Earnings Call Date:Oct 30, 2024
(Q3-2024)
| % Change Since: |
Next Earnings Date:Nov 04, 2026
Earnings Call Sentiment Positive
The earnings call presented a strong financial performance with significant revenue and income growth, particularly in the insurance and investment segments. Although there were some challenges like a high tax rate and a tough environment for the mortgage business, the positive aspects significantly outweighed the negatives.Positive Updates
Revenue Growth
Year-to-date revenues increased by 28% from the prior year, driven by strong performance across the business sectors.
Negative Updates
High GAAP Tax Rate
Tiptree's GAAP tax rate for the quarter was 44%, though the effective tax rate was 28% when adjusted for book tax implications.
Read all updates
Q3-2024 Updates
Positive
Negative
Revenue Growth
Year-to-date revenues increased by 28% from the prior year, driven by strong performance across the business sectors.
Read all positive updates
Company Guidance
During the third quarter 2024 earnings call for Tiptree Inc., executives highlighted several key financial metrics that underscore the company's strong performance and future prospects. Year-to-date revenues increased by 28% compared to the previous year, while the adjusted return on equity reached 22%. Fortegra, Tiptree's insurance company, reported a 28% growth in revenue and a 38% rise in adjusted net income, with gross written premiums totaling $2.2 billion, marking a 10% increase year-over-year. The insurance segment maintained a robust combined ratio of 90%, demonstrating disciplined underwriting despite recent catastrophic events. Tiptree's investment portfolio amounted to $1.5 billion, predominantly invested in high-quality liquid fixed income securities, contributing to a book yield of 4.1%. Consolidated net income for the quarter was $11.9 million, a significant increase from $2.2 million in the prior year, with adjusted net income surging by 56% to $27.9 million. The company's mortgage business also showed resilience, with origination volumes rising modestly and contributing to profitability. Overall, Tiptree's book value per share increased by 18.6% from the prior year, bolstered by earnings growth and a recovery in Fortegra's fixed income portfolio.Tiptree Financial Financial Statement Overview
Summary
Income Statement
58
Neutral
Balance Sheet
72
Positive
Cash Flow
67
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | -1.01B | 488.00K | 2.04B | 1.65B | 1.40B | 1.20B |
| Gross Profit | -582.78M | 488.00K | 1.20B | 1.05B | 945.15M | 873.50M |
| EBITDA | -169.19M | -47.40M | 203.22M | 134.21M | 107.22M | 127.45M |
| Net Income | 413.81M | 34.93M | 53.37M | 13.95M | -8.27M | 38.13M |
Balance Sheet | ||||||
| Total Assets | 1.13B | 6.84B | 5.69B | 5.14B | 4.04B | 3.60B |
| Cash, Cash Equivalents and Short-Term Investments | 1.11B | 47.86M | 30.31M | 1.27B | 1.15B | 753.17M |
| Total Debt | 7.63M | 80.74M | 374.53M | 442.81M | 297.40M | 422.75M |
| Total Liabilities | 226.99M | 6.09B | 5.04B | 4.56B | 3.51B | 3.20B |
| Stockholders Equity | 907.12M | 508.55M | 457.70M | 416.87M | 397.37M | 382.95M |
Cash Flow | ||||||
| Free Cash Flow | 164.20M | 168.22M | 236.72M | 57.42M | 452.35M | 201.55M |
| Operating Cash Flow | 161.89M | 168.22M | 240.76M | 71.45M | 463.07M | 204.32M |
| Investing Cash Flow | 347.92M | -202.03M | -322.99M | -244.67M | 9.51M | -273.76M |
| Financing Cash Flow | -95.82M | 11.48M | 6.29M | 113.41M | -115.19M | 73.73M |
Tiptree Financial Technical Analysis
Positive
17.79
Price Trends
17.84
Positive
17.43
Positive
17.50
Positive
Market Momentum
0.06
Negative
55.99
Neutral
70.11
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TIPT, the sentiment is Positive. The current price of 17.79 is below the 20-day moving average (MA) of 17.92, below the 50-day MA of 17.84, and above the 200-day MA of 17.50, indicating a bullish trend. The MACD of 0.06 indicates Negative momentum. The RSI at 55.99 is Neutral, neither overbought nor oversold. The STOCH value of 70.11 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for TIPT.
Tiptree Financial Risk Analysis
Tiptree Financial disclosed 84 risk factors in its most recent earnings report. Tiptree Financial reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Tiptree Financial Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $530.32M | 13.21 | 14.63% | 3.71% | 8.67% | 21.89% | |
76 Outperform | $868.47M | 6.86 | 27.38% | ― | 19.34% | ― | |
73 Outperform | $516.60M | 10.88 | 18.37% | 8.55% | 9.54% | -5.60% | |
68 Neutral | $668.45M | -151.58 | 68.25% | 1.35% | -73.08% | -226.17% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
60 Neutral | $864.08M | 70.29 | 0.82% | 2.61% | -5.83% | -82.97% |
* Financial Sector Average
TIPT
Tiptree Financial
18.19
-3.30
-15.37%
AMSF
Amerisafe
27.20
-14.88
-35.35%
EIG
Employers Holdings
48.50
8.43
21.04%
ITIC
Investors Title Company
282.79
54.30
23.76%
HIPO
Hippo Holdings
32.93
2.13
6.92%
Tiptree Financial Corporate Events
Business Operations and StrategyStock BuybackDividendsFinancial DisclosuresM&A Transactions
Tiptree to Acquire Universal Shield, Expanding Insurance Platform
Positive
Jul 29, 2026
On July 28, 2026, Tiptree Inc. agreed to acquire all outstanding equity of Universal Shield Insurance Group for $100 million in cash, subject to customary adjustments and regulatory approvals, with closing expected in the first quarter of 2027. Th...
Business Operations and StrategyStock BuybackFinancial DisclosuresM&A Transactions
Tiptree Completes Fortegra Sale, Strengthening Balance Sheet
Positive
May 29, 2026
On May 29, 2026, Tiptree completed the previously announced sale of its specialty insurance business The Fortegra Group to DB Insurance Co. for a cash enterprise value of $1.65 billion, resulting in approximately $1.08 billion in proceeds payable ...
Business Operations and StrategyM&A Transactions
Tiptree Nears Fortegra Sale to DB Insurance
Positive
May 22, 2026
On September 26, 2025, Tiptree Inc. entered into a merger agreement with South Korea’s DB Insurance Co., Ltd. under which DB Insurance will acquire Tiptree’s subsidiary, The Fortegra Group, Inc., for $1.65 billion in cash, subject to a...
Business Operations and StrategyM&A Transactions
Tiptree Finalizes Sale of Reliance First Capital Unit
Neutral
May 4, 2026
On May 1, 2026, Tiptree Inc. and its subsidiary Reliance Holdings LLC completed the sale of all issued and outstanding membership interests of Reliance First Capital LLC to Carrington Mortgage Services, LLC, for a cash consideration of $47,291,890...
Business Operations and StrategyStock BuybackDividendsFinancial DisclosuresM&A TransactionsRegulatory Filings and Compliance
Tiptree Amends Fortegra Sale Agreement and Updates Outlook
Positive
Apr 30, 2026
On April 28, 2026, Tiptree Inc. and DB Insurance amended their merger agreement for the $1.65 billion sale of Fortegra, removing the need for New York regulatory approval tied to South Bay Acceptance Corp. and instead requiring Fortegra to have SB...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.