TIPTREE INC. (TIPT) Stock Analysis — April 2026 Rating, Price, and Forecast
Company Overview — What Does TIPTREE INC. Do?
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. TIPTREE INC. (TIPT) is classified as a small-cap stock in the Financials sector, specifically within the Insurance industry. The company is led by CEO Jonathan Ilany and employs approximately 1,470 people, headquartered in NEW YORK, Connecticut. With a market capitalization of $630M, TIPT is one of the notable companies in the Financials sector.
TIPTREE INC. (TIPT) Stock Rating — Reduce (April 2026)
As of April 2026, TIPTREE INC. receives a Reduce rating with a composite score of 38.6/100 and 2 out of 5 stars from the Blank Capital Research quantitative model.TIPT ranks #2,276 out of 4,446 stocks in our coverage universe. Within the Financials sector, TIPTREE INC. ranks #621 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).
TIPT Stock Price and 52-Week Range
TIPTREE INC. (TIPT) currently trades at $16.82. The stock lost $0.46 (2.7%) in the most recent trading session. The 52-week high for TIPT is $27.41, which means the stock is currently trading -38.6% from its annual peak. The 52-week low is $15.59, putting the stock 7.9% above its annual trough. Recent trading volume was 233K shares, suggesting relatively thin trading activity.
Is TIPT Overvalued or Undervalued? — Valuation Analysis
TIPTREE INC. (TIPT) carries a value factor score of 33/100 in the Blank Capital model, signaling premium valuation that prices in significant future growth. The trailing price-to-earnings ratio is 7.85x, compared to the Financials sector average of 14.88x — a discount of 47%. The price-to-book ratio stands at 0.84x, versus the sector average of 1.22x. The price-to-sales ratio is 0.31x, compared to 0.90x for the average Financials stock. On an enterprise value basis, TIPT trades at 3.63x EV/EBITDA, versus 3.26x for the sector.
At current multiples, TIPTREE INC. trades at a premium to most Financials peers. This elevated valuation may be justified if the company can sustain above-average growth rates and profitability, but it also creates downside risk if earnings disappoint expectations.
TIPTREE INC. Profitability — ROE, Margins, and Quality Score
TIPTREE INC. (TIPT) earns a quality factor score of 45/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 10.7%, compared to the Financials sector average of 8.5%, which is within a healthy range. Return on assets (ROA) comes in at 1.2% versus the sector average of 1.2%.
On a margin basis, TIPTREE INC. reports gross margins of 0.0%. The operating margin is 7.4% (sector: 21.8%). Net profit margin stands at 3.9%, versus 17.7% for the average Financials stock. Revenue growth is running at -1.2% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.
TIPT Debt, Balance Sheet, and Financial Health
TIPTREE INC. has a debt-to-equity ratio of 809.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.88x, suggesting adequate working capital coverage. Total debt on the balance sheet is $508M. Cash and equivalents stand at $366M.
TIPT has a beta of 0.66, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for TIPTREE INC. is 68/100, reflecting average volatility within the normal range for its sector.
TIPTREE INC. Revenue and Earnings History — Quarterly Trend
In TTM 2026, TIPTREE INC. reported revenue of $2.06B and earnings per share (EPS) of $0.93. Net income for the quarter was $80M. Gross margin was 0.0%. Operating income came in at $153M.
In FY 2025, TIPTREE INC. reported revenue of $488,000 and earnings per share (EPS) of $0.93. Net income for the quarter was $35M. Revenue grew -100.0% year-over-year compared to FY 2024. Operating income came in at $-47M.
In Q3 2025, TIPTREE INC. reported revenue of $540M and earnings per share (EPS) of $0.17. Net income for the quarter was $16M. Revenue grew 9.3% year-over-year compared to Q3 2024. Operating income came in at $38M.
In Q2 2025, TIPTREE INC. reported revenue of $529M and earnings per share (EPS) of $0.50. Net income for the quarter was $31M. Revenue grew -3.3% year-over-year compared to Q2 2024. Operating income came in at $53M.
Over the past 8 quarters, TIPTREE INC. has demonstrated a growth trajectory, with revenue expanding from $547M to $2.06B. Investors analyzing TIPT stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.
TIPT Dividend Yield and Income Analysis
TIPTREE INC. (TIPT) currently pays a dividend yield of 2.6%. At this yield, a $10,000 investment in TIPT stock would generate approximately $$256.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.5%, meaning TIPT offers above-average income for its sector.
TIPT Momentum and Technical Analysis Profile
TIPTREE INC. (TIPT) has a momentum factor score of 25/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 34/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 39/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.
TIPT vs Competitors — Financials Sector Ranking and Peer Comparison
Within the Financials sector, TIPTREE INC. (TIPT) ranks #621 out of 891 stocks based on the Blank Capital composite score. This places TIPT in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.
Comparing TIPT against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full TIPT vs S&P 500 (SPY) comparison to assess how TIPTREE INC. stacks up against the broader market across all factor dimensions.
TIPT Next Earnings Date
No upcoming earnings date has been announced for TIPTREE INC. (TIPT) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.
Should You Buy TIPT? — Investment Thesis Summary
The quantitative profile for TIPTREE INC. suggests caution. The value score of 33/100 indicates premium valuation. Momentum is weak at 25/100, a headwind for near-term performance. Low volatility (stability score 68/100) reduces downside risk.
In summary, TIPTREE INC. (TIPT) earns a Reduce rating with a composite score of 38.6/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on TIPT stock.
Related Resources for TIPT Investors
Explore more research and tools: TIPT vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare TIPT head-to-head with peers: TIPT vs WTM, TIPT vs OPY, TIPT vs ACT.