Tiptree Financial (TIPT) AI Stock Analysis

• Market Cap: $697.85M
• Dividend Yield: 2.77%
• Average Volume (3M): 288.85K
• Price to Earnings (P/E): 16.3
• Beta (1Y): 0.63
• Revenue Growth: 4.44%
• EPS Growth: 22.40%
• Country: US
• Employees: 1,496
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Specialty
• EPS (TTM): 0.13
• Shares Outstanding: 37,823,734
• 10 Day Avg. Volume: 215,801
• 30 Day Avg. Volume: 288,852
• PEG Ratio: 0.04
• Price to Book (P/B): 1.68
• Price to Sales (P/S): 0.38
• P/FCF Ratio: 3.25
• Enterprise Value/Market Cap: 2.25
• Enterprise Value/Revenue: 0.76
• Enterprise Value/Gross Profit: 1.15
• Enterprise Value/Ebitda: 7.18
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 60 Neutral
• Price Target: $18.50 ▲(5.96% Upside)

Tiptree Financial's overall stock score is driven by its mixed financial performance and bearish technical indicators. While the company maintains strong profitability margins and a reasonable valuation, the declining revenue growth and weak market momentum present significant challenges. The absence of earnings call insights and corporate events further limits the assessment.

Tiptree Financial Business Overview & Revenue Model

Company Description

Tiptree Financial (TIPT) is a diversified holding company engaged in various sectors, primarily focusing on insurance, real estate, and asset management. The company operates through subsidiaries that provide insurance products, manage investment portfolios, and engage in real estate activities, allowing it to leverage multiple revenue streams and enhance its financial stability.

How the Company Makes Money

Tiptree Financial generates revenue through several key streams, including insurance premiums from its insurance subsidiaries, investment income from its asset management activities, and income from real estate operations. The company earns premiums by underwriting insurance policies and managing risk for its clients. In addition, Tiptree invests in a range of financial assets, generating returns through interest, dividends, and capital gains. The real estate segment contributes by providing rental income and profits from property sales. Significant partnerships with insurance brokers and investment firms enhance Tiptree's market reach and operational efficiency, contributing positively to its overall earnings.

Tiptree Financial Financial Statement Overview

Summary

Tiptree Financial presents a mixed financial picture. While the company maintains strong profitability margins and a healthy return on equity, the declining revenue growth and free cash flow are areas of concern. The balance sheet remains stable with moderate leverage, but the cash flow metrics suggest potential liquidity challenges.

Income Statement

Tiptree Financial's income statement shows a mixed performance. The TTM data indicates a decline in revenue growth, which is concerning, but the company maintains a solid gross profit margin of 82.34%. The net profit margin is modest at 2.77%, and both EBIT and EBITDA margins are stable. However, the negative revenue growth trajectory is a potential risk.

Balance Sheet

The balance sheet reflects a stable financial position with a debt-to-equity ratio of 1.16 in the latest TTM, indicating moderate leverage. Return on equity is healthy at 11.84%, suggesting effective use of equity. The equity ratio is not explicitly provided, but the overall balance sheet suggests a balanced approach to debt and equity financing.

Cash Flow

Cash flow analysis reveals a decline in free cash flow growth, which is a concern. The operating cash flow to net income ratio is low, indicating potential challenges in converting income into cash. However, the free cash flow to net income ratio is strong at 96.10%, suggesting efficient cash generation relative to net income.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	2.07B	2.04B	1.65B	1.40B	1.20B	810.30M
Gross Profit	1.37B	1.20B	1.05B	945.15M	873.50M	573.40M
EBITDA	219.24M	203.22M	134.21M	107.22M	127.45M	11.31M
Net Income	59.76M	53.37M	13.95M	-8.27M	38.13M	-29.16M
Balance Sheet
Total Assets	6.42B	5.69B	5.14B	4.04B	3.60B	3.00B
Cash, Cash Equivalents and Short-Term Investments	1.67B	1.43B	472.53M	1.15B	753.17M	514.05M
Total Debt	0.00	428.68M	475.00M	319.99M	459.48M	366.25M
Total Liabilities	5.67B	5.04B	4.56B	3.51B	3.20B	2.62B
Stockholders Equity	505.17M	457.70M	416.87M	397.37M	382.95M	356.14M
Cash Flow
Free Cash Flow	187.16M	236.72M	57.42M	452.35M	201.55M	133.47M
Operating Cash Flow	193.32M	240.76M	71.45M	463.07M	204.32M	140.17M
Investing Cash Flow	-299.68M	-322.99M	-244.67M	9.51M	-273.76M	-123.49M
Financing Cash Flow	82.32M	6.29M	113.41M	-115.19M	73.73M	31.75M

Tiptree Financial Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 17.46
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TIPT, the sentiment is Neutral. The current price of 17.46 is below the 20-day moving average (MA) of 17.83, below the 50-day MA of 20.12, and below the 200-day MA of 21.48, indicating a neutral trend. The MACD of -0.38 indicates Negative momentum. The RSI at 48.33 is Neutral, neither overbought nor oversold. The STOCH value of 79.61 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for TIPT.

Tiptree Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ITIC	75 Outperform	$533.99M	14.88	13.12%	5.71%	13.47%	26.15%
EIG	72 Outperform	$843.64M	14.77	5.86%	3.04%	1.69%	-52.43%
AMSF	72 Outperform	$758.11M	15.34	16.95%	11.37%	-1.73%	-18.36%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
TIPT	60 Neutral	$697.85M	16.27	10.46%	2.77%	4.44%	22.40%
HIPO	55 Neutral	$898.26M	-85.19	25.65%	―	34.48%	―
AMBC	45 Neutral	$384.21M	―	-4.09%	―	-17.06%	-118.90%

Tiptree Financial Corporate Events

Tiptree Financial Sells Reliance First Capital Stake

On October 31, 2025, Tiptree Inc. entered into a Purchase Agreement with Carrington Holding Company, LLC, to sell all outstanding membership interests of Reliance First Capital, LLC, a subsidiary of Tiptree, to Carrington. The transaction’s completion is contingent upon regulatory approvals and other customary conditions, with an outside date set for April 30, 2026. The agreement includes indemnification clauses and termination rights, emphasizing the allocation of risk between the parties rather than factual representations of Reliance’s condition.

The most recent analyst rating on (TIPT) stock is a Hold with a $21.00 price target. To see the full list of analyst forecasts on Tiptree Financial stock, see the TIPT Stock Forecast page.

Tiptree Financial Reports Q3 2025 Revenue Growth

On October 31, 2025, Tiptree Inc. announced its financial results for the third quarter of 2025, highlighting a 9.3% increase in quarterly revenues to $540.3 million, driven by growth in earned premiums and gains at Fortegra. The company also declared a cash dividend of $0.06 per share, with a record date of November 17, 2025, and a payment date of November 24, 2025. Tiptree agreed to sell Fortegra for $1.65 billion and its mortgage business, Reliance First Capital, for $51 million, with both transactions expected to close in 2026. These strategic moves are part of Tiptree’s focus on long-term value creation and streamlining operations.

The most recent analyst rating on (TIPT) stock is a Hold with a $21.00 price target. To see the full list of analyst forecasts on Tiptree Financial stock, see the TIPT Stock Forecast page.

Tiptree Financial Announces Merger with DB Insurance

On September 26, 2025, Tiptree Inc. entered into a merger agreement with DB Insurance Co., Ltd. for the acquisition of its subsidiary, The Fortegra Group, Inc., for $1.65 billion in cash. This strategic acquisition by DB Insurance, marking its largest U.S. market entry, is expected to enhance its global growth in the property and casualty markets and provide Fortegra with a strong capital base for continued growth. The merger, anticipated to close in mid-2026, is subject to regulatory approvals and stockholder consent, with implications for Tiptree’s operational focus and market positioning.

The most recent analyst rating on (TIPT) stock is a Hold with a $21.00 price target. To see the full list of analyst forecasts on Tiptree Financial stock, see the TIPT Stock Forecast page.