Stock fact sheet · data as of
Tiptree Inc. (TIPT): fair value, margin of safety and Wheel Score
Financial Services · Insurance - Specialty · United States · Value
Is TIPT undervalued?
Tiptree Inc. (TIPT) closed at 16.90 on 16 Oct 2026. The GLS average fair value - the simple average of the 8 valuation models that produced a positive number - is 265.66, which puts the price 94% below it. 7 of the 8 models value the shares above the current price. A gap this wide is rare in our universe of ~7,400 US stocks and is exactly what the Value part of the Wheel Score rewards; it is also where the question "why is it this cheap?" matters most.
There is a wide gap between DDM (3.53) and GLS Growth (666.24). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files TIPT under Value: positive earnings at a P/E of 18 or less.
Nine valuation models for TIPT
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | - | - | Present value of the projected free cash flows, discounted at the cost of capital; no value tonight |
| Graham Number | 77.50 | +359% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 631.18 | +3635% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 275.87 | +1532% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 666.24 | +3842% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 175.79 | +940% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 172.57 | +921% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 3.53 | -79% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 122.61 | +625% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -162.19 | -1060% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Tiptree Inc. scores 5 of 9 on the Piotroski F-score: a middling result that falls one point short of the Sunday Scan's "6 or more" rule. Some of the nine tests on profitability, leverage and efficiency are failed, so the accounts are worth a look before selling a put on the name. A GLS Moat score of 3.0/10 is a weak reading: the ten-year history the score grades (revenue, EPS, book value, margins, cash flow, share count, ROIC) has not been steady, so the Moat part of the Wheel Score contributes little.
Returns on capital are moderate - ROIC 5.9%, ROE 6.9%, ROA 0.5% - with debt at 0.16 times equity and a free-cash-flow yield of 26.1%.
The dividend yield is 1.42% with a payout ratio of 1% - a small yield that leaves most of the earnings in the business. Revenue comes mainly from Service and Administrative Fees 49%, Service Contract Revenue 48%, Motor Club Revenue 2% (quarter Q3 FY2025).
Institutional ownership scores 6/10, insider activity 10/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 5 / 9 | ROIC | 5.9% |
|---|---|---|---|
| GLS Moat | 3.0 / 10 | ROE | 6.9% |
| Debt / equity | 0.16 | ROA | 0.5% |
| Free-cash-flow yield | 26.1% | Payout ratio | 1% |
| Institutions | 6 / 10 | Insiders · Congress | 10 · 5 / 10 |
Wheel Score 72: Good
With a Wheel Score of 72 - the Good band - Tiptree Inc. clears the Sunday Scan's "70 or higher" rule. The parts: Value 25/25, Health 11/20, Moat 5/15, Premium 20/20, Stability 11/20; Moat (5/15) scores lowest.
Implied volatility is 48% on the near-the-money contracts 20-60 days out - inside the 35-60% range the Wheel Score pays full marks for: enough premium to be worth selling, not so much that the risk is unpaid. Chain open interest is 2,066 contracts across all expiries - enough for the wheel at normal size.
Volume runs at 421k shares a day on a market cap of $629M, with a beta of 0.95; the Stability part of the Wheel Score gives that 11 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 25 / 25 | 94% margin of safety | |
| Health | 11 / 20 | Piotroski 5/9 | |
| Moat | 5 / 15 | moat 3.0/10 | |
| Premium | 20 / 20 | implied volatility 48% | |
| Stability | 11 / 20 | 421k shares/day, $629M cap, beta 0.95 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
Tiptree Inc. reports earnings on 30 Oct 2026 - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Insurance - Specialty
The 12 companies below are the closest to Tiptree Inc. by market cap within the Insurance - Specialty industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| ITIC Investors Title Company | 288.15 | 318.19 | +9% | 39No options | $544M |
| AMSF AMERISAFE, Inc. | 25.04 | 28.94 | +13% | 66Good | $464M |
| EIG Employers Holdings, Inc. | 50.45 | 21.00 | -140% | 46Weak | $906M |
| MBI MBIA Inc. | 4.39 | 15.52 | +72% | 45Weak | $224M |
| OSG Octave Specialty Group, Inc. | 4.60 | 9.52 | +52% | 45Weak | $207M |
| JRVR James River Group Holdings, Ltd. | 3.71 | 15.89 | +77% | 60Fair | $172M |
| NMIH NMI Holdings, Inc. | 40.10 | 97.71 | +59% | 88Prime | $3.0B |
| AGO Assured Guaranty Ltd. | 69.86 | 187.20 | +63% | 77Good | $3.1B |
| RDN Radian Group Inc. | 33.41 | 81.50 | +59% | 85Prime | $4.4B |
| MTG MGIC Investment Corporation | 27.61 | 49.38 | +44% | 89Prime | $5.7B |
| ESNT Essent Group Ltd. | 63.76 | 105.84 | +40% | 83Prime | $5.7B |
| ACT Enact Holdings Inc. | 45.67 | 66.03 | +31% | 87Prime | $6.3B |
⚖ Compare TIPT with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about TIPT
Is TIPT undervalued right now?
By the GLS models, yes: at 16.90 the stock is 94% below the average fair value of 265.66 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of TIPT and what does it mean?
TIPT scores 72 out of 100 (Good). The Wheel Score blends the margin of safety (25 points), Piotroski health (20), the GLS moat (15), the option premium on offer (20) and trading stability (20) into one number that ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned. 80 and above is Prime, 65-79 Good, 50-64 Fair, under 50 Weak.
What is the GLS fair value for TIPT?
265.66 per share as of 16 Oct 2026 - the simple average of the 8 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Tiptree Inc. report earnings next?
The next earnings report is due on 30 Oct 2026, 14 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does TIPT have listed options, and how liquid are they?
Yes. The nightly snapshot found 120 listed contracts with 2,066 open interest across all expiries and implied volatility of 48% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.