Tiptree Financial Inc.

TIPT Financial Insurance Specialty

In the quarter to June 2026, revenue grew 64.9%, EPS grew 1,976.0%, free cash flow grew 179.8% and total debt fell 85.4%, each against the same quarter a year earlier. Insiders bought in the last twelve months.

16.52 0.09 −0.54%
Market cap
$618.6M
P/E
1.5×
Fwd P/E
−59.4×
Dividend yield
1.45%
F-score
n/a
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a

Insider Decisions trades per month

Total buys 0.18
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy 1 — — — 1 — 1 — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 39.63%

Capital & Financial Ratios $m

Market Cap 618.55
Revenue 0.49
Net Income 413.81
Free Cash Flow 215.13
Net Debt (1,105.17)
Current Ratio 0.00
Debt/Equity 0.00
P/E ratio 1.50
Fwd P/E (59.40) (negative: loss-making)
P/S ratio 1,269.50 (above 10: high)
P/B ratio 0.68
Past 5Y EPS Growth —
This Y EPS Growth —
Next Y EPS Growth —
Next Y revenue growth 16.12% (at or above 10%: strong)
Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 0.05%
10-year low 10-year high
P/S against its own 10 years 92.55%
10-year low 10-year high
P/B against its own 10 years 47.81%
10-year low 10-year high

Dividends

Payout Ratio 0.02
Annual Dividend Rate 0.24
Annual Dividend Yield 1.45%
total individual payouts
2026 0.18
0.06
0.06
0.06
2025 0.24
0.06
0.06
0.06
0.06
2024 0.24
0.06
0.06
0.06
0.06
0.25
2023 0.20
0.05
0.05
0.05
0.05
2022 0.16
0.04
0.04
0.04
0.04
2021 0.16
0.04
0.04
0.04
0.04
2020 0.16
0.04
0.04
0.04
0.04
2019 0.16
0.04
0.04
0.04
0.04
2018 0.14
0.03
0.04
0.04
0.04
2017 0.12
0.03
0.03
0.03
0.03
2016 0.10
0.03
0.03
0.03
0.03
special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 469 34 52 1,105
Receivables 1,638 1,792 — —
Inventory — — — —
Other — — — —
2,177 34 52 1,105
2023 2024 2025 Q'26
Payables — — — —
ST’ Debt — — 8 8
Other — — — —
— — 8 8

Compound Annual Growth %

10y 5y 3y
Sales (48.78%) (77.30%) (92.96%)
Cash Flow 0.00% 3.72% (28.65%)
Earnings 19.71% 0.00% 0.00%
Book Value 6.58% 15.03% 12.14%

Revenue $m

Mar Jun Sep Dec Year
’26 — — — — —
’25 0 0 540 — 0
’24 498 547 494 — 2
’23 382 405 417 — 2
’22 325 340 363 370 1,398
’21 295 300 287 320 1,201
’20 130 199 224 257 810
Fiscal quarters ending in the months shown.
value withheld pending a data check

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 (18) 53 — — —
’25 (33) 21 135 45 168
’24 63 47 61 70 241
’23 43 (7) 57 (22) 71
’22 149 135 116 62 463
’21 27 118 40 18 204
’20 25 35 8 72 140
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 (18) 53 — — —
’25 (34) 19 131 45 168
’24 62 46 61 72 241
’23 38 (13) 56 (14) 67
’22 149 132 114 57 452
’21 27 117 40 18 202
’20 24 34 7 72 137
Fiscal quarters ending in the months shown.

EPS $

Mar Jun Sep Dec Year
’26 0.34 10.30 — — —
’25 0.13 0.37 0.13 0.04 0.76
’24 0.22 0.31 0.29 0.47 1.30
’23 (0.03) 0.16 0.04 0.15 0.33
’22 (0.03) (0.64) 0.38 0.02 (0.23)
’21 0.81 0.22 0.06 (0.01) 1.09
’20 (1.74) 0.10 0.35 0.40 (0.86)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 4.74 5.70 5.01 5.35 4.45 4.82 9.84 12.12 14.96 17.07

Analyst estimates 2026–2028

Powerpack
High 7.15 7.60 7.10 8.30 8.14 17.30 15.17 19.51 24.09 27.41
People
People Employees 9 1,011 393 583 210 231 1,304 1,132 1,144 1,486
Revenue/emp, $m 56.27 0.58 1.59 1.33 3.86 5.20 1.07 0.00 0.00 0.00
Income, $m
Income, $m Revenue 506 582 626 773 810 1,201 1,398 2 2 0
Gross margin, % 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00
EBT 49 (3) (20) 29 (39) 65 54 (43) (39) (45)
EBT margin, % 9.70 (0.57) (3.16) 3.77 (4.79) 5.44 3.86 (2,052.83) (2,536.97) (9,139.75)
Net income 32 5 30 20 (25) 44 4 14 53 35
Depreciation 32 34 15 15 21 29 25 0 1 1
Per share, $
Per share, $ Revenue 15.96 19.97 18.03 22.35 23.93 36.13 39.34 0.06 0.04 0.01
Earnings 0.79 0.12 0.69 0.52 (0.86) 1.13 (0.23) 0.38 1.44 0.93
Cash flow 1.16 1.61 1.66 0.69 4.14 6.15 13.03 1.95 6.53 4.48
Capex 0.12 0.42 0.40 0.10 (0.09) (0.08) (0.30) (0.11) 0.00 0.00
Free cash flow 1.28 2.03 2.06 0.78 4.04 6.07 12.73 1.84 6.53 4.48
Book value 12.30 13.62 11.50 11.90 11.03 12.04 15.02 15.71 17.81 20.03
Shares, m 32 29 35 35 34 33 36 37 37 38
Valuation, ×
Valuation, × P/E 7.78 55.00 6.99 15.65 0.00 12.03 0.00 49.29 14.59 19.86
P/S 0.39 0.30 0.31 0.36 0.21 0.38 0.36 324.49 506.03 1,406.19
P/B 0.51 0.44 0.49 0.68 0.46 1.15 0.94 1.19 1.17 0.91
EV/Sales 1.43 0.74 0.77 0.70 0.52 0.56 0.17 302.26 777.00 1,446.36
EV/FCF 17.86 7.28 6.72 20.02 3.06 3.36 0.54 9.50 4.91 4.34
Cash, $m
Cash, $m Operating cash flow 37 47 58 24 140 204 463 71 241 168
Capex 4 12 14 3 (3) (3) (11) (4) 0 —
Free cash flow 41 59 72 27 137 202 452 67 241 168
Balance, $m
Balance, $m Working capital 986 908 945 1,069 1,326 1,636 1,556 2,177 34 44
Total debt 555 346 354 374 366 393 259 402 427 72
Net debt 505 235 268 241 229 198 (279) (66) 393 20
Shareholders’ equity 390 397 399 411 374 400 534 577 657 752
Returns, %
Returns, % ROA 0.94 0.15 1.24 0.90 (1.12) 1.16 (0.22) 0.30 0.99 0.56
ROIC 3.48 1.16 0.68 5.38 (0.65) 10.76 20.66 (5.32) (2.40) (3.78)
ROE 6.43 0.92 6.01 4.53 (7.43) 9.86 (1.77) 2.51 8.65 4.96
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Dec 2025

Charts ten years each

Tiptree Financial Inc. vs peers in Insurance Specialty (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
AGO Assured Guaranty Ltd. $3.1B 9.5× 11.8× −30.60% (below 0%: shrinking) −57.89% (below 0%: shrinking) −48.72% (below 0%: shrinking) 97.95% 42.05% Compare
NMIH NMI Holdings Inc $3.0B 7.9× 7.1× +8.12% (above 0%: growing) +13.82% (above 0%: growing) +10.69% (above 0%: growing) 93.00% 76.67% Compare
EIG Employers Holdings Inc $906.1M 73.2× 18.2× −10.60% (below 0%: shrinking) +29.03% (above 0%: growing) −1,111.11% (below 0%: shrinking) 16.35% 16.35% Compare
TIPT Tiptree Financial Inc. $618.6M 1.5× — (loss-making) +64.86% (above 0%: growing) +1,976.00% (above 0%: growing) +179.79% (above 0%: growing) 100.00% 0.00%
ITIC Investors Title Company $544.0M 13.5× 5.6× +17.45% (above 0%: growing) +19.05% (above 0%: growing) −18.47% (below 0%: shrinking) 55.58% 22.48% Compare
AMSF AMERISAFE, Inc. $464.1M 10.1× 16.0× +13.42% (above 0%: growing) +8.22% (above 0%: growing) +118.79% (above 0%: growing) 29.93% 19.86% Compare
MBI MBIA, Inc. $224.0M — (loss-making) — (loss-making) +17.39% (above 0%: growing) n/m −500.00% (below 0%: shrinking) 66.67% 22.22% Compare
OSG Octave Specialty Group, Inc. $207.2M — (loss-making) — (loss-making) +51.02% (above 0%: growing) n/m −576.08% (below 0%: shrinking) 76.26% (0.47%) Compare
JRVR James River Group Holdings, Ltd. $171.6M 7.5× 5.5× −7.72% (below 0%: shrinking) +66.67% (above 0%: growing) −124.07% (below 0%: shrinking) 38.58% 9.26% Compare
Median of peers $504.1M 9.8× 9.4× +10.77% +16.44% −86.39% 61.13% 21.04%

All 17 Insurance Specialty stocks →

Tiptree Financial Inc. (TIPT) key facts

  • Tiptree Financial Inc. (TIPT) is an Insurance Specialty company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, TIPT traded at $16.52, a market capitalization of $618.6 million.
  • Tiptree Financial Inc. pays an annual dividend of $0.24 per share, a yield of 1.45%, with a payout ratio of 2.22%.
  • Return on equity was 4.96% and debt-to-equity 0.00.

Source: company filings (standardised) and stockrow calculations.

Tiptree Financial Inc. (TIPT) Latest News

6 Mar

Impact 4 ·

30 Jul

2 Jul

stockrow.com/TIPT · Data as of Dec 31, 2025 · For information only; not investment advice. · © 2026 stockrow.com