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Tiptree Inc (TIPT) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Tiptree Inc stock $11.61, price $17.53, that is 33.8% below the price, quality 41 out of 100. Rating: overvalued. Calculated from audited financials with one of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

TI Tiptree Inc logo Thin data Nov 5, 2026

Tiptree Inc

TIPT · US
Expensive, weak quality

Our calculation puts a fair price 34% below what the stock costs today.

Quality 41/100
1.4% dividend yield · Safety not assessed
Insiders bought $519,579 (6M)
Fair value $11.61 · Overvalued (−33.8%)
Trails peers (1/9)
Narrow moat 15/100
Thin data
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$25.14 $8.66 Fair Value $11.61 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 5, 2026.

How to read this chart

60‑month range $8.66 – $25.14 · fair‑value band $8.71 – $14.51 · the $17.53 price screens above the $11.61 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 5, 2026.

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Company profile

Tiptree Inc. does not have significant operations. Previously, it was engaged in the provision of specialty insurance products. The company was formerly known as Tiptree Financial Inc. and changed its name to Tiptree Inc. in December 2016.

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Tiptree Inc. was incorporated in 2007 and is based in Greenwich, Connecticut.

Stock analysis

Tiptree Inc (TIPT) currently trades at $17.53, while our model-based Fair Value estimate is $11.61, 34% below the price, so the stock looks overvalued today.

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Valuation

How firm this estimate is: it rests on 1 models at a data quality of 91/100, which puts the data coverage at low.

Scenario range: $8.71 (bear) to $14.51 (bull), the price of $17.53 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 41/100 (below-average quality), in the Financial Services sector.

Tiptree Inc reported revenue of $2.6M in FY2025 versus $1.2B in FY2021, a compound −78.5%/yr. Reported net income was −$38.9M in FY2025.

Key figures

Market cap $657M Small · EPS (TTM) $−0.5000 · Dividend yield 1.4% · Return on equity −4.0% · Return on assets (EBIT) 1.3% (5-year average) · Operating margin 3,908% · Revenue (TTM) −$1.1M · EPS growth (YoY) +19.6%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 15 out of 100 (medium confidence).

What moves the price

The share trades about 8% below its 52-week high and 12% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −16% fair-value upside, at −34%, TIPT screens richer than that median.

Fair Value models

Bear $8.71 Fair Value $11.61 Bull $14.51
Price $17.53 · Downside -33.8%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
P/B Multiple $8.71 $11.61 $14.51 55
All 1 models by family
Multiples
P/B Multiple $8.71 $11.61 $14.51 55

Open the full fair value analysis →

Quality Score breakdown

Overall quality 41/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 4
How much profit the company makes from its sales and capital
Quality Growth 27
Are margins and returns getting better?
Cashflow 100
Do the profits arrive as real cash?
Financial strength 2
Debt, balance sheet and risk of trouble
Investment 54
Does it invest with discipline instead of growing at any price?
Low Volatility 74
How calm the share price moves, does not count
Price momentum 38
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 43
Distance to the 52-week high, does not count
New shares 83
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, 2 officers or directors bought shares worth $519,579, most recently on Oct 23, 2026. Buying cluster

  • BuyMichael Gene BarnesChairman and CEO, Director, 10% owner30,930 shares at $16.24$502,303Oct 23, 202610b5-1 plan
  • BuyJonathan IlanyDirector990 shares at $17.45$17,276May 27, 2026
  • BuyScott T. McKinneyChief Financial Officer3,832 shares at $16.10$61,677Mar 12, 2026

Plus 4 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−4.8% (2020) → −1,742.3% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

TIPT screens overvalued: fair value 34% below the price. Compare with Blackstone Inc →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Asset Management · 588 stocks

Beats the industry median on 1/8 measures
Overall it trails its industry peers.
Valuation
Quality Score 41 · Bottom 25%
Fair Value upside −33.8% · Bottom 25%
Profitability
Return on assets −0.6% · Bottom 25%
Growth and dividend
Dividend yield (12 months) 1.4% · Bottom 25%
Balance sheet
Debt / equity 0.13× · Above median

Valuation Multiplesvs Asset Management median · lower = cheaper

P/B 1.29× · Pricier than median
Price / free cash flow (fiscal year) 3.9× · Cheapest 25%
PEG 3.14× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 60
FUTURE (revenue growth)0 · sector 39
PAST (return on equity)0 · sector 29
HEALTH (low debt)–
DIVIDEND (yield)27 · sector 80

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Asset Management stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Exor N.V EXO €73.35 €139.37 +90% vs TIPT
Raymond James Financial, Inc RJF $162.81 $281.42 +73% vs TIPT
Apollo Global Management, Inc APO $116.75 $197.52 +69% vs TIPT
Ameriprise Financial, Inc AMP $501.49 $609.56 +22% vs TIPT
State Street Corporation STT $165.56 $139.37 −16% vs TIPT
Ares Management Corporation ARES $133.98 $99.35 −26% vs TIPT
Northern Trust Corporation NTRS $172.76 $123.42 −29% vs TIPT
Brookfield Asset Management Ltd BAM $52.95 $31.26 −41% vs TIPT
Blackstone Inc BX $119.50 $52.29 −56% vs TIPT
KKR & Co KKR $96.48 $27.32 −72% vs TIPT

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Tiptree Inc: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Tiptree Inc Fair Value". https://www.fairvalue-calculator.com/stock/TIPT

Frequently asked questions

Is Tiptree Inc (TIPT) overvalued or undervalued?
As of Nov 5, 2026, our model estimates a fair value of $11.61 versus a price of $17.53, about 34% lower (overvalued).
What is the fair value of TIPT?
Our model-based fair value for Tiptree Inc is $11.61 (as of Nov 5, 2026), built from audited fundamentals. The current price: $17.53.
What is the quality score of TIPT?
Tiptree Inc has a Quality Score of 41/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Tiptree Inc (TIPT)?
Our model-based price target is the fair value of $11.61 (as of Nov 5, 2026) from 1 valuation models. Cautious scenario $8.71, optimistic scenario $14.51. It is a calculation from audited fundamentals, not an analyst target.
What is the Tiptree Inc stock forecast for 2026?
Our models put fair value at $11.61, about 34% lower versus a price of $17.53 (overvalued). Cautious scenario $8.71, optimistic scenario $14.51. The calculation is refreshed regularly with new filings.
Does Tiptree Inc pay a dividend?
Tiptree Inc currently shows a dividend yield of 1.37% relative to its recent price (as of Nov 5, 2026).
How much is the dividend of Tiptree Inc (TIPT) and when is the ex-dividend date?
Tiptree Inc pays a dividend of $0.24 per share a year, a dividend yield of 1.4%. The last ex-dividend date was Aug 17, 2026. A dividend has been paid every year since 2015. Our assessment: Safety not assessed. Payout ratio and cash coverage are not available, so we do not judge how safe this dividend is.
What is the intrinsic value of Tiptree Inc (TIPT)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Tiptree Inc it is $11.61 per share (as of Nov 5, 2026), against a price of $17.53. It is the blended result of 1 valuation models in 1 family (Multiples).
Is Tiptree Inc stock overvalued or undervalued in 2026?
As of Nov 5, 2026, TIPT trades above its calculated fair value: price $17.53, fair value $11.61, a gap of about −34% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of TIPT?
No. The price is what the market pays today ($17.53); the fair value is what the company's own numbers justify ($11.61). For Tiptree Inc the two are $5.92 per share apart. That gap is exactly why we show both numbers side by side.
How much is Tiptree Inc worth?
The market values Tiptree Inc at about $657M (market capitalisation, as of Nov 5, 2026). Per share that is $17.53; our models calculate a fair value of $11.61 per share.
What do the bullish and bearish scenarios say about TIPT?
Our models span a range for Tiptree Inc: cautious scenario $8.71, base $11.61, optimistic $14.51 per share (as of Nov 5, 2026, price $17.53). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the PEG ratio of TIPT?
The PEG ratio of Tiptree Inc is 3.14 (P/E divided by earnings growth, as of Nov 5, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Tiptree Inc (TIPT)?
Balance-sheet figures for Tiptree Inc (as of Nov 5, 2026): return on equity −4.0%, debt of 0.13 per unit of equity. They feed the Quality Score of 41/100, which measures business quality independently of the share price.
How far is TIPT from its 52-week high?
Tiptree Inc trades at $17.53, about 8% below its 52-week high of $18.96 and 12% above the low of $15.62 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $11.61 is for.
Which stocks are comparable to Tiptree Inc?
From the same area (Financial Services) we also value Blackstone Inc, Brookfield Asset Management Ltd, KKR & Co, Apollo Global Management, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Tiptree Inc stock attractive at the current price?
The data as of Nov 5, 2026: price $17.53, calculated fair value $11.61 (−34%), Quality Score 41/100, from 1 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of TIPT calculated?
We run Tiptree Inc through 1 models from 1 family: Multiples. Every model gets the same audited fundamentals; the fair value of $11.61 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. Tiptree Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Tiptree Inc (TIPT)?
The closing price on Nov 6, 2026 was $17.53. Our model-based fair value is $11.61, about 34% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Tiptree Inc right now?
The price sits above even our optimistic bull case ($14.51). The favourable scenario is already priced in. Weak quality (41/100) and above fair value at the same time, the margin of safety is missing on both counts. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Tiptree Inc

How large is the market capitalisation of Tiptree Inc (TIPT)?
The market capitalisation of Tiptree Inc is $657M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What are the earnings per share of Tiptree Inc (TIPT)?
Earnings per share at Tiptree Inc are $−0.5000. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Tiptree Inc (TIPT)?
The dividend yield of Tiptree Inc is 1.4%. Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the return on equity of Tiptree Inc (TIPT)?
The return on equity (ROE) of Tiptree Inc is −4.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Tiptree Inc (TIPT)?
On an EBIT basis the return on assets of Tiptree Inc is 1.3% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Tiptree Inc (TIPT)?
The operating margin of Tiptree Inc is 3,908% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How much revenue does Tiptree Inc (TIPT) generate?
Tiptree Inc generates revenue of −$1.1M (last twelve months). Revenue of the last twelve months (TTM), the most recent full year, not the calendar year.
How fast are earnings growing at Tiptree Inc (TIPT)?
Earnings per share at Tiptree Inc are growing +19.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Tiptree Inc (TIPT) generate?
The free cash flow of Tiptree Inc is $168M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Tiptree Inc (TIPT) carry?
The net debt of Tiptree Inc is $50.0M (fiscal year 2025, ≈ 0.3 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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