# Tiptree Inc. (TIPT) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Insurance. Price $18.49, market value $689 million.

## Valuation
- **P/E (trailing): n/a** (negative earnings). Tiptree Inc. reported negative earnings over the last twelve months, so the P/E is not meaningful; use price-to-sales, EV/EBITDA and free-cash-flow yield instead.
- **Price / sales: 1411.0×**. Each dollar of revenue is priced at 1411.0×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 0.8×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.

## Profitability
- **Return on equity: 6.9%**. 6.9% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on invested capital: -6.7%**. Return on all capital, debt included, is -6.7%: close to or below the cost of capital, so growth may not create value.
- **Return on assets: 0.5%**. Each dollar of assets produces 0.5% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): -99.9%** (3-yr -88.2%/yr, 5-yr -68.7%/yr). Revenue fell 99.9% over the last year, against -68.7% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): -43.3%**. Earnings per share fell 43.3%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): -28.1%/yr**. Free cash flow has compounded at -28.1% a year over three years.

## Financial health
- **Piotroski F-score: 3/9**. 3 of 9 checks pass: weak or deteriorating financials.
- **Cash and short-term investments: $31 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 1.30%** ($0.24 per share, trailing). Tiptree Inc. yields 1.30%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 26%**. 26% of earnings goes out as dividends, leaving room to keep raising it.
- **Dividend growth (5 yr): 8.4%/yr** (1-yr -51.0%). The dividend has grown 8.4% a year over five years.

## Price and momentum
- **Total return (1 yr): -19.9%** (YTD 1.9%, 3-mo 4.6%). The shares are down 19.9% over twelve months including dividends.
- **From 52-week high: -32.5%** (19.4% above the low). Trading 33% below its 52-week high, deep in a drawdown.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 56**. An RSI of 56 is neutral.
- **Beta (1 yr): 0.36** (volatility 31%). Beta of 0.36 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=TIPT · Page: https://foliofundamentals.com/stocks/tipt

Not investment advice.