TIPT
Neutral signalScored 2026-10-27 Drivers: fundamentals. Moteurs : fondamentaux.
Research, not advice.
À propos
Tiptree Inc.
- Nom
- Tiptree Inc.
- Secteur
- Financial Services
- Industrie
- Insurance - Specialty
- Bourse
- NASDAQ
- Capitalisation
- $611.8M
- Employés
- 27
- PDG
- Michael Gene Barnes
- Site web
- https://www.tiptreeinc.com
- Marché
- AMSFEIGJRVRNMIH
Tiptree Inc., operating through its various subsidiaries, specializes in the provision and management of tailored insurance solutions, primarily within the United States. The company's operations are structured around two principal business segments: Insurance and Mortgage. Within its Insurance division, Tiptree offers a range of niche commercial and personal lines coverage, including credit insurance, collateral protection, and comprehensive warranty and service contract solutions. It also provides premium financing options. While its core focus lies in insurance, the company also caters to institutional investors by providing mortgage loans, forming its Mortgage segment. Beyond these, Tiptree Inc. further diversifies its portfolio through maritime shipping operations and strategic equity investments. Its diverse product portfolio is distributed via an extensive network comprising independent insurance agents, consumer finance entities, automotive dealerships, various retailers, brokers, and managing general agencies. Established in 2007, the company, originally known as Tiptree Financial Inc., adopted its current name, Tiptree Inc., in December 2016. Its corporate headquarters are located in New York, New York.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
ACHAT TOTAL: 30 930 titres (~502 303,20 $ US)
- Insiders
- Barnes Michael Gene
- Total bought
-
$502,303
Avg buy (VWAP, 90d window) $16.24 vs last close —
- Total sold
-
—
Avg sell (VWAP, 90d window) —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
- 2026-10-23
- Last synced
-
2026-10-28 10:33:03
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-10-23 | Barnes Michael Gene | Buy · P | 30,930 | $16.24 | $502,303 | Form 4 |
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Signal
Neutral signalScored 2026-10-27 Drivers: fundamentals. Moteurs : fondamentaux.
Despite a meaningful insider cluster buy signal (catalyst score 65, confidence 0.7) following the Universal Shield Insurance Group acquisition, TIPT's financial foundation is critically impaired — a current ratio below…
The first sentence of the analysis written for TIPT on 2026-10-27 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Supports a bullish reading. Open-market purchases outweigh sales
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Timing Unavailable or mixed. No stored price series
- Financial indicators Pulls against a bullish reading. Current ratio 0.44 · operating margin -9575%
Recent news
- 2026-09-11 Tiptree Financial (NASDAQ:TIPT) and Fidelity National Financial (NYSE:FNF) Head to Head Review Fidelity National Financial (NYSE: FNF - Get Free Report) and Tiptree Financial (NASDAQ: TIPT - Get Free Report) are both finance companies, but which is the better stock? We will compare the two businesses based on the strength of their dividends, analyst recommendations, valuation, earnings, risk, institutional ownership and profitability. Volatility and Risk Fidelity National Financial has
- 2026-07-30 AM Best Comments on Credit Ratings of Universal Shield Insurance Group Subsidiaries Following Announced Transaction with Tiptree Inc. OLDWICK, N.J.--(BUSINESS WIRE)-- #insurance--AM Best has commented that the Credit Ratings (ratings) of Universal Shield Insurance Group (USIG) (Waterford, MI) subsidiaries remain unchanged following the announcement that Tiptree Inc. (TIPT) and Universal Shield Insurance Group (USIG) have entered into a definitive agreement under which TIPT will acquire USIG, a specialty property/casualty insurer operating in both admitted and non-admitted markets. USIG subsidiaries have a Financial Strength Rating of A- (.
- 2026-07-29 Tiptree Announces Second Quarter 2026 Results and Acquisition of Universal Shield Insurance Group GREENWICH, Conn.--(BUSINESS WIRE)--Tiptree Inc. (NASDAQ:TIPT) (“Tiptree” or the “Company”), today announced its financial results for the three and six months ended June 30, 2026, and, separately, that it has entered into a definitive agreement to acquire Universal Shield Insurance Group ("USIG"), a specialty property & casualty insurer operating in both admitted and excess & surplus ("E&S") markets. The acquisition continues Tiptree''s focus on specialty P&C insurance as a core.
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 100.0% | 58.8% | 63.5% | 67.6% | 72.8% | |
| Ebit Margin | -10009.4% | 8.9% | 6.7% | 6.0% | 8.6% | |
| Ebitda Margin | -9712.7% | 9.9% | 8.1% | 7.7% | 10.6% | |
| Operating Profit Margin | -9574.6% | 7.3% | 5.0% | 3.9% | 5.4% | |
| Pretax Profit Margin | -9139.8% | 7.3% | 5.0% | 3.9% | 5.4% | |
| Continuous Operations Profit Margin | -7973.6% | 4.3% | 2.4% | 0.3% | 3.7% | |
| Net Profit Margin | 7157.2% | 2.6% | 0.8% | -0.6% | 3.2% | |
| Bottom Line Profit Margin | 7157.2% | 2.4% | 0.8% | -0.3% | 3.1% | |
| Current Ratio | 0.445 | 0.823 | 0.904 | 0.896 | 0.817 | |
| Quick Ratio | 0.445 | 0.823 | 0.904 | 0.896 | 0.817 | |
| Solvency Ratio | 0.006 | 0.015 | 0.008 | 0.004 | 0.020 | |
| Cash Ratio | 0.286 | 0.005 | 0.109 | 0.165 | 0.066 | |
| Price To Earnings Ratio | 19.645 | 14.486 | 55.765 | -60.174 | 12.026 | |
| Price To Earnings Growth Ratio | -0.555 | 0.045 | -0.225 | 0.501 | -0.047 | |
| Forward Price To Earnings Growth Ratio | -0.555 | 0.045 | -0.225 | 0.501 | -0.047 | |
| Price To Earnings Diluted Ratio | 19.645 | 16.046 | 57.455 | -60.174 | 12.239 | |
| Price To Earnings Diluted Growth Ratio | -0.690 | 0.055 | -0.236 | 0.500 | -0.048 | |
| Price To Book Ratio | 1.349 | 1.681 | 1.669 | 1.238 | 1.200 | |
| Price To Sales Ratio | 1,406.184 | 0.377 | 0.422 | 0.352 | 0.383 | |
| Price To Free Cash Flow Ratio | 4.079 | 3.249 | 12.116 | 1.087 | 2.280 | |
| Price To Operating Cash Flow Ratio | 4.079 | 3.195 | 9.737 | 1.062 | 2.249 | |
| Debt To Assets Ratio | 0.012 | 0.066 | 0.086 | 0.074 | 0.117 | |
| Debt To Equity Ratio | 0.159 | 0.818 | 1.062 | 0.748 | 1.104 | |
| Debt To Capital Ratio | 0.137 | 0.450 | 0.515 | 0.428 | 0.525 | |
| Long Term Debt To Capital Ratio | 0.112 | 0.443 | 0.330 | 0.333 | 0.380 | |
| Financial Leverage Ratio | 13.450 | 12.442 | 12.328 | 10.166 | 9.398 | |
| Working Capital Turnover Ratio | -0.001 | -3.805 | -4.397 | -3.388 | -4.932 | |
| Operating Cash Flow Ratio | 1.563 | 0.064 | 0.017 | 0.142 | 0.077 | |
| Operating Cash Flow Sales Ratio | 344.709 | 0.118 | 0.043 | 0.331 | 0.170 | |
| Free Cash Flow Operating Cash Flow Ratio | 1.000 | 0.983 | 0.804 | 0.977 | 0.986 | |
| Debt Service Coverage Ratio | -5.125 | 4.390 | 0.405 | 0.625 | 0.541 | |
| Interest Coverage Ratio | 0.000 | 4.630 | 2.999 | 1.786 | 1.734 | |
| Short Term Operating Cash Flow Coverage Ratio | 20.671 | 0.000 | 0.362 | 7.638 | 1.289 | |
| Operating Cash Flow Coverage Ratio | 2.083 | 0.643 | 0.161 | 1.557 | 0.483 | |
| Capital Expenditure Coverage Ratio | 0.000 | 59.726 | 5.093 | 43.169 | 73.920 | |
| Dividend Paid And Capex Coverage Ratio | 18.545 | 8.345 | 2.574 | 25.028 | 24.999 | |
| Dividend Payout Ratio | 0.260 | 0.465 | 0.984 | -0.940 | 0.142 | |
| Enterprise Value Multiple | -15.532 | 5.532 | 4.991 | 2.342 | 5.543 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 100.0% | ▲41.2% | ▲27.5% |
| Ebit Margin | -10009.4% | ▼-10018.3% | ▼-8013.6% |
| Ebitda Margin | -9712.7% | ▼-9722.6% | ▼-7777.4% |
| Operating Profit Margin | -9574.6% | ▼-9581.9% | ▼-7664.0% |
| Pretax Profit Margin | -9139.8% | ▼-9147.1% | ▼-7316.1% |
| Continuous Operations Profit Margin | -7973.6% | ▼-7977.9% | ▼-6381.0% |
| Net Profit Margin | 7157.2% | ▲7154.6% | ▲5724.5% |
| Bottom Line Profit Margin | 7157.2% | ▲7154.8% | ▲5724.5% |
| Current Ratio | 0.445 | ▼-0.378 | ▼-0.332 |
| Quick Ratio | 0.445 | ▼-0.378 | ▼-0.332 |
| Solvency Ratio | 0.006 | ▼-0.009 | ▼-0.005 |
| Cash Ratio | 0.286 | ▲0.281 | ▲0.160 |
| Price To Earnings Ratio | 19.645 | ▲5.159 | ▲11.296 |
| Price To Earnings Growth Ratio | -0.555 | ▼-0.600 | ▼-0.499 |
| Forward Price To Earnings Growth Ratio | -0.555 | ▼-0.600 | ▼-0.499 |
| Price To Earnings Diluted Ratio | 19.645 | ▲3.599 | ▲10.603 |
| Price To Earnings Diluted Growth Ratio | -0.690 | ▼-0.745 | ▼-0.606 |
| Price To Book Ratio | 1.349 | ▼-0.331 | ▼-0.078 |
| Price To Sales Ratio | 1406.184 | ▲1405.807 | ▲1124.640 |
| Price To Free Cash Flow Ratio | 4.079 | ▲0.830 | ▼-0.483 |
| Price To Operating Cash Flow Ratio | 4.079 | ▲0.884 | ▲0.015 |
| Debt To Assets Ratio | 0.012 | ▼-0.054 | ▼-0.059 |
| Debt To Equity Ratio | 0.159 | ▼-0.659 | ▼-0.620 |
| Debt To Capital Ratio | 0.137 | ▼-0.313 | ▼-0.274 |
| Long Term Debt To Capital Ratio | 0.112 | ▼-0.331 | ▼-0.208 |
| Financial Leverage Ratio | 13.450 | ▲1.008 | ▲1.893 |
| Working Capital Turnover Ratio | -0.001 | ▲3.803 | ▲3.303 |
| Operating Cash Flow Ratio | 1.563 | ▲1.498 | ▲1.190 |
| Operating Cash Flow Sales Ratio | 344.709 | ▲344.591 | ▲275.635 |
| Free Cash Flow Operating Cash Flow Ratio | 1.000 | ▲0.017 | ▲0.050 |
| Debt Service Coverage Ratio | -5.125 | ▼-9.515 | ▼-5.292 |
| Interest Coverage Ratio | 0.000 | ▼-4.630 | ▼-2.230 |
| Short Term Operating Cash Flow Coverage Ratio | 20.671 | ▲20.671 | ▲14.679 |
| Operating Cash Flow Coverage Ratio | 2.083 | ▲1.441 | ▲1.098 |
| Capital Expenditure Coverage Ratio | 0.000 | ▼-59.726 | ▼-36.382 |
| Dividend Paid And Capex Coverage Ratio | 18.545 | ▲10.199 | ▲2.646 |
| Dividend Payout Ratio | 0.260 | ▼-0.205 | ▲0.077 |
| Enterprise Value Multiple | -15.532 | ▼-21.064 | ▼-16.107 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $686.2M | $769.2M | $695.7M | $491.8M | $459.5M | |
| Enterprise value | $736.2M | $1.12B | $669.8M | $251.1M | $706.5M | |
| EV / Sales | 1508.55x | 0.55x | 0.41x | 0.18x | 0.59x | |
| EV / Op. cash flow | 4.38x | 4.67x | 9.37x | 0.54x | 3.46x | |
| EV / Free cash flow | 4.38x | 4.75x | 11.66x | 0.56x | 3.50x | |
| EV / EBITDA | -15.53x | 5.53x | 4.99x | 2.34x | 5.54x | |
| Net debt / EBITDA | -1.05x | 1.75x | -0.19x | -2.25x | 1.94x | |
| Current ratio | 0.45x | 0.82x | 0.90x | 0.90x | 0.82x | |
| Income quality | 4.82x | 2.75x | 1.79x | 130.04x | 4.64x | |
| Graham number | $17 | $20 | $10 | — | $17 | |
| Graham net-net | -$161 | -$97 | -$55 | -$45 | -$42 | |
| Tax burden | -78.3% | 35.7% | 16.8% | -15.3% | 58.4% | |
| Interest burden | 91.3% | 82.2% | 75.0% | 64.1% | 63.4% | |
| Working capital | -$59.8M | -$662.2M | -$411.7M | -$338.4M | -$486.9M | |
| Invested capital | -$45.2M | $273.7M | $580.9M | $558.9M | $263.0M | |
| Return on assets | 0.5% | 0.9% | 0.3% | -0.2% | 1.1% | |
| Operating ROA | -0.7% | 2.8% | 1.8% | 1.4% | 2.0% | |
| Return on tangible assets | 0.5% | 1.1% | 0.3% | -0.3% | 1.3% | |
| Return on equity | 6.9% | 11.7% | 3.3% | -2.1% | 10.0% | |
| Return on invested capital | -0.6% | 4.5% | 3.9% | 0.4% | 4.0% | |
| Return on capital employed | -0.7% | 7.6% | 9.9% | 6.9% | 7.0% | |
| Earnings yield | 5.1% | 6.9% | 2.0% | -1.7% | 8.3% | |
| Free cash flow yield | 24.5% | 30.8% | 8.3% | 92.0% | 43.9% | |
| Capex / Op. cash flow | 0.0% | 1.7% | 19.6% | 2.3% | 1.4% | |
| Capex / Depreciation | 0.0% | 18.6% | 59.8% | 46.7% | 11.3% | |
| Capex / Sales | 0.0% | 0.2% | 0.9% | 0.8% | 0.2% | |
| SG&A / Sales | 6935.2% | 14.4% | 15.8% | 18.1% | 24.0% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 2324.2% | 0.9% | 0.5% | 0.7% | 0.9% | |
| Intangibles / Total assets | 0.0% | 16.1% | 18.1% | 20.9% | 19.8% | |
| Days sales outstanding | 0d | 338d | 371d | 263d | 423d | |
| Days payables outstanding | 0d | 230d | 410d | 342d | 464d | |
| Operating cycle | 0d | 338d | 371d | 263d | 423d | |
| Cash conversion cycle | 0d | 108d | -38d | -79d | -40d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years