Tiptree Inc. (TIPT) Stock

Tiptree Inc. (TIPT) is a Financials stock trading at $18.09 (as of 2026-08-21), with a market capitalization of $679.64M and a trailing P/E of 15.0. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Tiptree Inc., through its subsidiaries, underwrites and administers specialty insurance products primarily in the United States. The company operates in two segments, Insurance and Mortgage. It offers niche commercial and personal lines insurance, credit insurance and collateral protection products, and warranty and service contract products and solutions, as well as premium finance services. The company also offers mortgage loans for institutional investors; and maritime shipping services, as well as invests in shares. It markets its products through a network of independent insurance agents, consumer finance companies, auto dealers, retailers, brokers, and managing general agencies. The company was formerly known as Tiptree Financial Inc. and changed its name to Tiptree Inc. in December 2016. Tiptree Inc. was incorporated in 2007 and is based in New York, New York.

Understand Tiptree Inc.: how it makes money

Tiptree Inc. underwrites and administers specialty insurance products (plus premium finance and related warranty and service contract solutions) and also provides mortgage loans for institutional investors, with products marketed through independent insurance agents.

Insurance profitability is primarily driven by underwriting performance, which shows up in the Fortegra Combined Ratio, while the mortgage line adds another driver through mortgage origination volumes.

Business quality (Weak): Strong visibility into underwriting performance via the combined ratio, but the mortgage business faces volume variability (including a reported decline rate).

Valuation: At 18× earnings, TIPT trades 44% above the Insurance average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Underwriting health: Fortegra Combined Ratio is 88.5 percent (an operating measure of insurance profitability).
  • Operating margin remains positive: Operating margin is 7.1 for the quarter ended 2025-09-30.

Bear case

  • Mortgage volume headwind: Mortgage Origination Volumes Decline Rate is 17.0 percent.
  • Profit sensitivity to insurance loss performance: Insurance results depend on claims and expenses, reflected in the combined ratio and expense ratio, which can move if experience changes.
Valuation — source: SEC EDGAR (first-party)
Price$18.09
Market Cap$679.64M
P/E Ratio15.0
EV / EBITDA6.1
Price / Book0.91
Price / Sales0.43
FCF Yield22.6%
DCF Value (model)$13.69
DCF Upside vs Price-24.3%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$488000.00
Net Margin7157.2%
Revenue Growth (YoY)-100.0%
EPS Growth (YoY)153.3%
Financial Health — source: SEC EDGAR
Altman Z-Score0.07 (distress)
Valuation vs Sector & Industry
Stock P/E15.0
Sector P/E (Financials)15.1
Industry P/E (Insurance)13.0
vs Sector-0.5%
vs Industry15.2%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderDIMENSIONAL FUND ADVISORS LP ($36.37M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryInsurance
CEOMichael Gene Barnes
Employees1,496
CountryUS
IPO Date2010-10-15

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TIPT earnings history · TIPT institutional & insider holders · TIPT KPIs & operating metrics · TIPT financials · TIPT investor presentations & press releases · TIPT SEC filings · TIPT peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-21.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.