TIPT
BEARISH
$17.36
Live
Tiptree Inc. · NASDAQ
$15.49
52W Range
$27.41
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 21, 2026
Market cap
$657.55M
P/E
N/A
ROE
-5.5%
Profit margin
N/A
Debt/Equity
0.11
Dividend yield
1.38%
AI Analysis
AI-powered fundamental assessment
Confidence
85%
Tiptree Inc. exhibits significant fundamental weakness, highlighted by a Piotroski F-Score of 2/9, indicating poor financial health. The company is suffering from severe earnings contraction, with YoY earnings growth down 67.90% and a disastrous Q/Q revenue decline of 407.61%. While the balance sheet remains lean with a low Debt/Equity ratio of 0.11, the negative ROE (-5.52%) and consistent failure to meet earnings estimates suggest a business in distress. The technical trend is currently bearish, and valuation metrics like the PEG ratio (3.14) suggest the stock is overpriced relative to its current growth trajectory.
Key Strengths
Very low Debt/Equity ratio (0.11)
Strong liquidity with a Current Ratio of 1.89
Sustainable dividend payout ratio (20.87%)
Low Price-to-Book ratio (1.29) relative to some financial peers
Recent short-term price recovery (+10.4% in 1 month)
Key Risks
Severe deterioration in revenue and earnings growth
Weak Piotroski F-Score (2/9) signaling operational decline
Negative Return on Equity (ROE) and Return on Assets (ROA)
Consistent and significant negative earnings surprises
High PEG ratio indicating poor value relative to growth
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
28
Weak
35
10
20
30
45
AI Verdict
Fundamental Deterioration
Key drivers: Piotroski F-Score of 2/9, Negative ROE, Extreme Q/Q revenue decline, Poor earnings surprise track record
Confidence
90%
Value
35/100
Ref P/E, PEG, Graham Number
Positives
- P/B ratio of 1.29 is relatively modest
Watchpoints
- PEG ratio of 3.14 is excessive for current growth
- P/E is unavailable due to lack of profitability
Future
10/100
Ref Growth rates
Positives
No standout positives identified.
Watchpoints
- YoY Earnings Growth: -67.90%
- Q/Q Revenue Growth: -407.61%
Past
20/100
Ref Historical trends
Positives
- Long term 5Y change is positive (+31.7%)
Watchpoints
- 1Y return is -18.5%
- Average surprise (Last 4) is -1450.50%
Health
30/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Low Debt/Equity (0.11)
- Healthy Quick Ratio (1.80)
Watchpoints
- Piotroski F-Score 2/9 (Weak)
Dividend
45/100
Ref Yield, Payout
Positives
- Low payout ratio (20.87%) suggests safety
Watchpoints
- Low dividend yield (1.38%)
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$17.36
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for TIPT and closest competitors.
Updated 2026-04-20
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
TIPT
Tiptree Inc.
Primary
|
+31.7% | +23.9% | -18.5% | +0.1% | +10.4% | +1.2% |
|
SHBI
Shore Bancshares, Inc.
Peer
|
+40.2% | +63.5% | +64.6% | +31.2% | +14.3% | +2.3% |
|
HIFS
Hingham Institution for Savings
Peer
|
+8.4% | +36.6% | +35.6% | +8.5% | +5.8% | +2.7% |
|
GLRE
Greenlight Capital Re, Ltd.
Peer
|
+106.4% | +97.1% | +40.8% | +49.6% | +25.5% | +5.2% |
|
BOE
BlackRock Enhanced Global Dividend Trust
Peer
|
+56.8% | +49.1% | +15.2% | +8.2% | +2.2% | +0.4% |
TIP
Tiptree Inc.
Primary
5Y
+31.7%
3Y
+23.9%
1Y
-18.5%
6M
+0.1%
1M
+10.4%
1W
+1.2%
SHB
Shore Bancshares, Inc.
Peer
5Y
+40.2%
3Y
+63.5%
1Y
+64.6%
6M
+31.2%
1M
+14.3%
1W
+2.3%
HIF
Hingham Institution for Savings
Peer
5Y
+8.4%
3Y
+36.6%
1Y
+35.6%
6M
+8.5%
1M
+5.8%
1W
+2.7%
GLR
Greenlight Capital Re, Ltd.
Peer
5Y
+106.4%
3Y
+97.1%
1Y
+40.8%
6M
+49.6%
1M
+25.5%
1W
+5.2%
BOE
BlackRock Enhanced Global Dividend Trust
Peer
5Y
+56.8%
3Y
+49.1%
1Y
+15.2%
6M
+8.2%
1M
+2.2%
1W
+0.4%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
N/A
Forward P/E
N/A
PEG Ratio
3.14
P/B Ratio
1.29
P/S Ratio
-638.39
EV/Revenue
-904.36
EV/EBITDA
-19.91
Market Cap
$657.55M
Profitability
Profit margins and return metrics
Profit Margin
N/A
Operating Margin
902.42%
Gross Margin
N/A
ROE
-5.52%
ROA
-0.48%
Growth
Revenue and earnings growth rates
Revenue Growth
N/A
Earnings Growth
-67.9%
Q/Q Revenue Growth
-407.61%
Q/Q Earnings Growth
-69.9%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
0.11
Low debt
Current Ratio
1.89
Good
Quick Ratio
1.8
Excellent
Cash/Share
$1.39
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$-1.5B
Net Margin
-0.3%
Total Assets
$6.8B
Liabilities
$6.1B
Equity
$0.5B
Debt/Equity
11.97x
Operating CF
$0.0B
Free Cash Flow
$0.0B
FCF Yield
110%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-29
$N/A
2009-11-09
$-0.01
-118.2% surprise
2009-05-11
$0.08
+166.7% surprise
2009-03-16
$-0.9
-4400.0% surprise
Financial Services Sector Comparison
Comparing TIPT against 579 companies in the Financial Services sector
(106 bullish, 239 neutral, 234 bearish)
Return on Equity (ROE)
-5.52%
This Stock
vs
-0.24%
Sector Avg
+2173.2%
(Excellent)
Debt to Equity
0.11
This Stock
vs
1.36
Sector Avg
-91.9%
(Less Debt)
Current Ratio
1.89
This Stock
vs
3.65
Sector Avg
-48.3%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
TIPT
Tiptree Inc.
|
BEARISH | $657.55M | - | -5.5% | -% | $17.36 | |
|
SHBI
Shore Bancshares, Inc.
|
BULLISH | $668.34M | 11.22 | 10.5% | 27.5% | $19.98 | Compare |
|
HIFS
Hingham Institution for Savings
|
NEUTRAL | $640.51M | 11.85 | 12.0% | 53.1% | $293.24 | Compare |
|
GLRE
Greenlight Capital Re, Ltd.
|
NEUTRAL | $638.21M | 8.46 | 11.1% | 10.4% | $18.78 | Compare |
|
BOE
BlackRock Enhanced Global...
|
NEUTRAL | $678.61M | 10.08 | 9.4% | 432.8% | $11.9 | Compare |
TIPT
Tiptree Inc.
BEARISH
Mkt Cap
$658M
P/E
-
ROE
-5.5%
Price
$17.36
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-04-02 | SMITH BRADLEY E | Director | Stock Award | 1,907 | - |
| 2026-04-02 | GOLDWASSER LESLEY | Director | Stock Award | 1,144 | - |
| 2026-03-12 | MCKINNEY SCOTT T | Chief Financial Officer | Purchase | 3,832 | $61,683 |
| 2026-02-20 | MCKINNEY SCOTT T | Chief Financial Officer | Stock Award | 15,110 | - |
| 2026-01-08 | FRIEDMAN PAUL M | Director | Stock Award | 2,048 | - |
| 2026-01-08 | GOLDWASSER LESLEY | Director | Stock Award | 2,048 | - |
| 2025-11-07 | MIELLE DOMINIQUE | Director | Purchase | 5,500 | $100,595 |
SMITH BRADLEY E
Director
2026-04-02
1,907 shares
GOLDWASSER LESLEY
Director
2026-04-02
1,144 shares
MCKINNEY SCOTT T
Chief Financial Officer
2026-03-12
3,832 shares
·
$61,683
MCKINNEY SCOTT T
Chief Financial Officer
2026-02-20
15,110 shares
FRIEDMAN PAUL M
Director
2026-01-08
2,048 shares
GOLDWASSER LESLEY
Director
2026-01-08
2,048 shares
MIELLE DOMINIQUE
Director
2025-11-07
5,500 shares
·
$100,595
Insider transactions can signal confidence or concerns about company prospects
SEC Filings
Recent regulatory filings from the SEC EDGAR database
DEF 14A
10-K
8-K
10-Q
8-K
8-K
Data sourced from SEC EDGAR. AI summaries generated automatically.
Past News Coverage
Recent headlines mentioning TIPT from our newsroom.
Newest → oldest
No matching news yet.