Tiptree Inc. Fundamental Analysis (NASDAQ: TIPT)
Tiptree Inc. (NASDAQ: TIPT) shows moderate financial fundamentals with a PE ratio of -150.98, profit margin of -40.90%, and ROE of 68.25%. The company generates $-1.0B in annual revenue with weak year-over-year growth of -99.98%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of -74.2/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze TIPT's fundamental strength across five key dimensions:
Efficiency Score
ExcellentTIPT demonstrates superior asset utilization.
Valuation Score
ExcellentTIPT trades at attractive valuation levels.
Growth Score
WeakTIPT faces weak or negative growth trends.
Financial Health Score
ExcellentTIPT maintains a strong and stable balance sheet.
Profitability Score
ModerateTIPT maintains healthy but balanced margins.
Key Financial Metrics
Is TIPT Expensive or Cheap?
P/E Ratio
TIPT trades at -150.98 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, TIPT's PEG of 1.40 indicates fair valuation.
Price to Book
The market values Tiptree Inc. at 0.75 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -9.54 times EBITDA. This is generally considered low.
How Well Does TIPT Make Money?
Net Profit Margin
For every $100 in sales, Tiptree Inc. keeps $-40.90 as profit after all expenses.
Operating Margin
Core operations generate 13.80 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $68.25 in profit for every $100 of shareholder equity.
ROA
Tiptree Inc. generates $36.49 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Tiptree Inc. generates limited operating cash flow of $160.76M, signaling weaker underlying cash strength.
Free Cash Flow
Tiptree Inc. generates weak or negative free cash flow of $163.05M, restricting financial flexibility.
FCF Per Share
Each share generates $4.38 in free cash annually.
FCF Yield
TIPT converts 24.33% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
-150.98
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
1.40
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.75
vs 25 benchmark
P/S Ratio
Price to sales ratio
-0.67
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.008
vs 25 benchmark
Current Ratio
Current assets to current liabilities
5.07
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.68
vs 25 benchmark
ROA
Return on assets percentage
0.36
vs 25 benchmark
ROCE
Return on capital employed
-0.15
vs 25 benchmark
How TIPT Stacks Against Its Sector Peers
| Metric | TIPT Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | -150.98 | 21.28 | Better (Cheaper) |
| ROE | 68.25% | 667.00% | Weak |
| Net Margin | -40.90% | -489.00% (disorted) | Weak |
| Debt/Equity | 0.01 | 0.80 | Strong (Low Leverage) |
| Current Ratio | 5.07 | 911.52 | Strong Liquidity |
| ROA | 36.49% | 4469169.00% | Weak |
TIPT outperforms its industry in 3 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
-99.95%
Industry Style: Value, Dividend, Cyclical
DecliningEPS CAGR
207.99%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
8.19%
Industry Style: Value, Dividend, Cyclical
Growing