Tiptree Inc.
Tiptree Inc. Fundamental Analysis
Tiptree Inc. (TIPT) shows moderate financial fundamentals with a PE ratio of 18.39, profit margin of 2.26%, and ROE of 7.03%. The company generates $1.5B in annual revenue with strong year-over-year growth of 23.88%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 65.2/100 based on profitability, valuation, growth, and balance sheet metrics. The C+ grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze TIPT's fundamental strength across five key dimensions:
Efficiency Score
WeakTIPT struggles to generate sufficient returns from assets.
Valuation Score
ExcellentTIPT trades at attractive valuation levels.
Growth Score
ModerateTIPT shows steady but slowing expansion.
Financial Health Score
ExcellentTIPT maintains a strong and stable balance sheet.
Profitability Score
WeakTIPT struggles to sustain strong margins.
Key Financial Metrics
Is TIPT Expensive or Cheap?
P/E Ratio
TIPT trades at 18.39 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, TIPT's PEG of -0.60 indicates potential undervaluation.
Price to Book
The market values Tiptree Inc. at 1.26 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 3.86 times EBITDA. This is generally considered low.
How Well Does TIPT Make Money?
Net Profit Margin
For every $100 in sales, Tiptree Inc. keeps $2.26 as profit after all expenses.
Operating Margin
Core operations generate 6.92 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $7.03 in profit for every $100 of shareholder equity.
ROA
Tiptree Inc. generates $0.51 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Tiptree Inc. produces operating cash flow of $193.32M, showing steady but balanced cash generation.
Free Cash Flow
Tiptree Inc. generates strong free cash flow of $187.16M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $4.95 in free cash annually.
FCF Yield
TIPT converts 29.06% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
18.39
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-0.60
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.26
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.42
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.03
vs 25 benchmark
Current Ratio
Current assets to current liabilities
1.88
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.07
vs 25 benchmark
ROA
Return on assets percentage
0.005
vs 25 benchmark
ROCE
Return on capital employed
0.02
vs 25 benchmark
How TIPT Stacks Against Its Sector Peers
| Metric | TIPT Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 18.39 | 18.91 | Neutral |
| ROE | 7.03% | 788.00% | Weak |
| Net Margin | 2.26% | 2164.00% | Weak |
| Debt/Equity | 0.03 | 0.82 | Strong (Low Leverage) |
| Current Ratio | 1.88 | 616.06 | Neutral |
| ROA | 0.51% | -23806.00% (disorted) | Weak |
TIPT outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Tiptree Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
147.92%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
172.57%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
850.94%
Industry Style: Value, Dividend, Cyclical
High Growth