Tiptree Inc. (TIPT) stock analysis

P/E below its 5-year median

Tiptree's P/E of 1.6 is below its own 5-year median of 18.3.

P/E below the industry

Tiptree's P/E of 1.6 is below the Fire, Marine, and Casualty Insurance median of 10.6.

P/S above the industry

Tiptree's price-to-sales of 212724.00 is above the Fire, Marine, and Casualty Insurance median of 1.30.

P/B below the industry

Tiptree's price-to-book of 0.71 is below the Fire, Marine, and Casualty Insurance median of 1.62.

Trading below fair value

The share price of $17.52 is below our fair value estimate of $98.10.

Margin of safety over 20%

The price is 82.1% below fair value, more than the 20% cushion we look for.

Revenue growing under 10% a year

Revenue grew -93.0% a year over the last three fiscal years, short of the 10% we look for.

EPS growth over 3 years

Needs positive EPS three years ago and today.

Earnings acceleration

Needs positive net income now, a year ago and five years ago.

Growing slower than the industry

Revenue grew -100.0% over the last twelve months; the Fire, Marine, and Casualty Insurance median is 5.0%.

Company guidance

No outlook found in earnings releases from the last twelve months.

Gross margin trend

Banks and insurers do not report gross profit.

Return on equity under 15%

Return on equity was 58.6% over the last twelve months and averaged 6.2% over five years; we look for 15% on both.

Return on assets over 1%

Return on assets was 11.2%; for a bank or insurer, 1% or more is considered good.

Return on equity above the industry

Tiptree's return on equity of 58.6% is above the Fire, Marine, and Casualty Insurance median of 15.9%.

Earnings over 5 years

Needs positive net income five years ago and in the latest year.

Net margin above its 5-year average

Net margin was 13753000% over the last twelve months, against a 5-year average of 2266%.

Net margin above the industry

Tiptree's net margin of 13753000% is above the Fire, Marine, and Casualty Insurance median of 12.0%.

No debt

Tiptree has no borrowings on its latest balance sheet.

Debt not rising

With no debt today, leverage cannot have risen.

Debt covered by cash flow

There is no debt to cover.

Interest well covered

No meaningful interest expense to cover.

Short-term assets cover short-term debts

Current assets are 22.75 times current liabilities.

Bankruptcy risk (Altman Z)

The Altman model does not apply to insurers.

Pays a dividend

Tiptree paid dividends worth 1.4% of the share price over the last twelve months.

Yield below Treasuries

The 1.4% yield is below the 4.6% on a 1-year Treasury.

Yield below the top quarter

The top quarter of US dividend payers yield 3.9% or more; Tiptree yields 1.4%.

Dividend was cut

The dividend per share fell by more than 10% at least once in the last 8 fiscal years.

Covered by earnings

Dividends take 2.2% of net income.

Cash-flow cover

Needs dividends paid and free cash flow.