Stocks · Financial Services · Insurance - Specialty
Tiptree Inc. TIPT
$17.35 +0.29% Close, Oct 2, 2026 · NASDAQ · Market cap $646.1M
Inexpensive vs sector
Next earnings report: Oct 30, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Revenue over the last four quarters was -$1.02B, down 150.3% from a year earlier, slowing from -123.9% a quarter earlier.
- Diluted EPS over the last four quarters was $10.54, up 736.5% year over year.
- At 1.6× trailing earnings, the shares trade at the lowest P/E of the company's past five years.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 1%
- EPS growth (TTM, YoY)Top 2%
- FCF growth (TTM, YoY)Top 33%
- Revenue growth, 3-year CAGRBottom 1%
- Revenue growth accelerationBottom 6%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 5%
- Cash conversion (OCF / net income)Bottom 23%
- Accruals (lower is better)Bottom 1%
- Interest coverBottom 5%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 2%
- Free-cash-flow yieldTop 11%
- P/E vs own 5-year history (lower is better)Top 3%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 25%
- 6-month returnBottom 45%
- 1-year return vs S&P 500Bottom 25%
- Distance from 52-week highTop 49%
- Trend checklist (0–4)Bottom 27%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 49%
- Maximum drawdown, 3 yearsBottom 28%
- Beta vs S&P 500 (lower is better)Top 39%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -123.9% | -150.3% | ↓ |
| EPS growth (YoY) | -49.2% | 736.5% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -150.3% | -123.9% | ↓ | Bottom 1% |
| EPS growth (TTM, YoY) | 736.5% | -49.2% | ↑ | Top 2% |
| Return on invested capital | -11.0% | — | Bottom 5% | |
| Revenue growth, 3-year CAGR | -93.0% | — | Bottom 1% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.39×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 22.2%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +50.3 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- Net cash
- Interest cover (operating income / interest)How many times operating profit covers interest.
- -6.7×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.91%
- Net buyback yield (TTM)
- 1.18%
- Shareholder yield
- 2.09%
- Share count change, 1 year
- -2.9%
- Share count change, 3-year CAGR
- -0.1%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jul 29, 2026).
Earnings and expectations
Earnings momentum
- Average 2-day reaction, last 8
- +0.6%
- Positive 20 days after report
- 7 of 8
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 29, 2026 | — | +2.3% | -1.1% | +1.9% | — |
| Apr 30, 2026 | — | +0.8% | -1.8% | +2.2% | +5.6% |
| Mar 6, 2026 | — | +2.8% | -3.0% | +1.3% | +7.1% |
| Oct 31, 2025 | — | +0.7% | +4.0% | +6.8% | -1.8% |
| Jul 30, 2025 | — | -2.4% | -5.0% | +7.8% | -18.2% |
| Apr 30, 2025 | — | -0.4% | -4.3% | -0.8% | -3.8% |
| Feb 26, 2025 | — | +1.1% | +3.8% | +14.6% | +0.3% |
| Oct 30, 2024 | — | +0.1% | +7.0% | +12.9% | +4.2% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 29, 2026 | -$0.17 | — | — | — |
| Apr 30, 2026 | -$0.19 | — | — | $7.5M |
| Mar 6, 2026 | -$0.25 | — | — | -$72,000 |
| Oct 31, 2025 | $0.71 | — | — | $523.4M |
| Jul 30, 2025 | $0.58 | — | — | $528.8M |
| Apr 30, 2025 | $0.59 | — | — | $496.7M |
| Feb 26, 2025 | $0.67 | — | — | $503.6M |
| Oct 30, 2024 | $0.71 | — | — | $494.4M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 1.6× | 18.6× | 0th | Top 2% |
| Free-cash-flow yield | 25.41% | — | — | Top 11% |
| Earnings yield | 60.75% | — | — | Top 2% |
P/E over the past five years
Range 1.8× – 48.5× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -7.5%
- Earnings per share growth (TTM)
- +736.5%
- Change in P/E multiple
- -89.5%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -0.9%
- 200-day average slope (20 days)
- -0.5%
- Distance from 50-day average
- -3.0%
- Distance from 200-day average
- -0.8%
- RSI (14)
- 43.8
- Relative volume
- 1.01×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 20.4%
- Volatility vs own 5-year history
- 2th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.58
- Correlation with S&P 500
- 0.27
- Current drawdown from 1-year high
- -9.7%
- Maximum drawdown, 3 years
- -38.3%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Apr 23, 2021 | Jul 8, 2021 | -42.5% | 52 days | 69 days (Oct 14, 2021) |
| Nov 4, 2021 | May 12, 2022 | -39.4% | 130 days | 188 days (Feb 10, 2023) |
| Sep 12, 2025 | Mar 19, 2026 | -38.3% | 129 days | Not yet recovered |
| Feb 22, 2023 | May 11, 2023 | -25.8% | 55 days | 74 days (Aug 28, 2023) |
| Jan 11, 2024 | Apr 18, 2024 | -24.3% | 67 days | 125 days (Oct 16, 2024) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $646.1M
- P/E (TTM)
- 1.6
- EPS, diluted (TTM)
- $10.54
- Revenue (TTM)
- -$1.02B
- Dividend yield
- 1.38%
- 52-week range
- $15.49 – $19.33
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $1.20B | $1.40B | $1.65B | $2.04B | $488,000 |
| Gross profit | $873.5M | $945.1M | $1.05B | $1.20B | $488,000 |
| Operating income | $65.3M | $54.0M | $83.1M | $149.3M | -$46.7M |
| Net income | $38.1M | -$8.3M | $14.0M | $53.4M | $34.9M |
| EPS (diluted) | $1.13 | -$0.23 | $0.33 | $1.30 | $0.93 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $494.0M | $503.1M | $496.7M | $527.0M | $523.4M | -$1.55B | $7.5M | $0 |
| Net income | $11.9M | $19.6M | $5.6M | $19.0M | $6.4M | $3.9M | $14.2M | $389.2M |
| EPS (diluted) | $0.29 | $0.47 | $0.13 | $0.37 | $0.13 | $0.30 | -$0.19 | $10.30 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $204.3M | $463.1M | $71.5M | $240.8M | $168.2M |
| Capital expenditure | -$2.8M | -$10.7M | -$14.0M | -$4.0M | $0 |
| Free cash flow | $201.6M | $452.3M | $57.4M | $236.7M | $168.2M |
| Dividends paid | -$5.4M | -$7.8M | -$13.7M | -$24.8M | -$9.1M |
| Net share buybacks | -$8.1M | $96.7M | $0 | $0 | -$6.6M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $1.11B
- Total assets
- $1.13B
- Total liabilities
- $227.0M
- Total debt
- $7.6M
- Net debt
- -$939.3M
- Shareholders’ equity
- $907.1M
As of Jun 30, 2026 (filed Jul 29, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 17, 2026 | $0.06 | Aug 24, 2026 |
| May 18, 2026 | $0.06 | May 26, 2026 |
| Mar 16, 2026 | $0.06 | Mar 23, 2026 |
| Nov 17, 2025 | $0.06 | Nov 24, 2025 |
| Aug 18, 2025 | $0.06 | Aug 25, 2025 |
| May 12, 2025 | $0.06 | May 19, 2025 |
| Mar 10, 2025 | $0.06 | Mar 17, 2025 |
| Dec 11, 2024 | $0.25 | Dec 19, 2024 |
Short interest
- Shares sold short
- 899,930
- Days to cover
- 6.09
- Change vs previous report
- +2.5%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Sep 14, 2010
- 3-for-2