Stock fact sheet · data as of
Tiptree Inc. (TIPT): fair value, margin of safety and Wheel Score
Ticker symbol TIPT · Financial Services · Insurance - Specialty · United States · Value
Is TIPT undervalued?
Tiptree Inc. (TIPT) closed at 17.95 on 5 Nov 2026. The GLS average fair value - the simple average of the 7 valuation models that produced a positive number - is 260.65, which puts the price 93% below it. 6 of the 7 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 (666.83). 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.
Ranked against every other company we cover, TIPT is clearly cheaper than it is fast-growing, so the nightly engine files it under Value (value score 94, growth score 35, out of 100).
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 | 77.77 | +333% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 634.08 | +3432% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 277.13 | +1444% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 666.83 | +3615% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 42.01 | +134% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | - | - | Eight years of compounded free cash flow: the price at which the business pays for itself; no value tonight |
| DDM | 3.53 | -80% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 123.17 | +586% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -165.81 | -1024% | 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 6 of 9 on the Piotroski F-score: a middling result that passes the "Piotroski 6 or more" Wheel Trade Filter. 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 3.3/10 is a weak reading: the accounts do not show returns and margins that competitors have been unable to wear down, 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 negative free cash flow.
The dividend yield is 1.34% 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; the last recorded insider buy was on 23 Oct 2026.
| Piotroski F-score | 6 / 9 | ROIC | 5.9% |
|---|---|---|---|
| GLS Moat | 3.3 / 10 | ROE | 6.9% |
| Debt / equity | 0.16 | ROA | 0.5% |
| Free-cash-flow yield | -23.1% | Payout ratio | 1% |
| Institutions | 6 / 10 | Insiders · Congress | 10 · 5 / 10 |
Wheel Score 46: Weak
With a Wheel Score of 46 Tiptree Inc. sits in the Weak band. It fails filter 8, big enough - market cap $654M (under $1.0B); Option trading (weak) is its weakest part.
Implied volatility is 40% on the near-the-money contracts 20-60 days out - inside the 35-60% sweet spot the Wheel Score rewards most: enough premium to be worth selling, not so much that the risk is unpaid. Chain open interest is 2,008 contracts across all expiries - enough for the wheel at normal size.
Volume runs at 233k shares a day on a market cap of $654M, with a beta of 0.95; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Passes | Listed options with 1,000+ contracts of open interest and 100+ traded a day |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Passes | Implied volatility 25-80% (enough premium, not a lottery ticket) |
| 8 | Big enough | Fails | market cap $654M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 93% below fair value | |
| Premium | Strong | implied volatility 40% | |
| Moat | Weak | moat 3.3/10 | |
| Health | Good | Piotroski 6/9 | |
| Red Flags | Good | Red Flags score 80/100 | |
| Option trading | Weak | 261 contracts a day, 2,008 open interest | |
| Stability | Fair | beta 0.95, $654M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for TIPT in the nightly calendar. The shares go ex-dividend on 16 Nov 2026 (0.0600 per share), so a covered call sold before then carries a small early-assignment risk around that date.
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 |
|---|---|---|---|---|---|
| EIG Employers Holdings, Inc. | 47.58 | 29.35 | -62% | 32Weak | $834M |
| ITIC Investors Title Company | 268.89 | 319.62 | +16% | 29No options | $508M |
| AMSF AMERISAFE, Inc. | 20.34 | 25.98 | +22% | 45Weak | $377M |
| OSG Octave Specialty Group, Inc. | 5.22 | 9.54 | +45% | 40Weak | $235M |
| MBI MBIA Inc. | 4.52 | - | - | 25Weak | $231M |
| JRVR James River Group Holdings, Ltd. | 3.95 | 16.02 | +75% | 30Weak | $183M |
| AGO Assured Guaranty Ltd. | 72.51 | 187.86 | +61% | 44Weak | $3.2B |
| NMIH NMI Holdings, Inc. | 43.96 | 98.38 | +55% | 54Fair | $3.3B |
| RDN Radian Group Inc. | 36.59 | 82.19 | +55% | 82Good | $4.8B |
| MTG MGIC Investment Corporation | 29.13 | 48.62 | +40% | 82Good | $6.0B |
| ESNT Essent Group Ltd. | 69.34 | 106.71 | +35% | 51Fair | $6.2B |
| ACT Enact Holdings Inc. | 48.24 | 66.67 | +28% | 53Fair | $6.6B |
⚖ 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 17.95 the stock is 93% below the average fair value of 260.65 (data as of 5 Nov 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 46 out of 100 (Weak) - it fails Wheel Trade Filter 8. The Wheel Score ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned - in two parts: the 9 pass/fail Wheel Trade Filters (busy options, a real business, below fair value, Piotroski 6 or more, debt it can repay, a Red Flags score of 60 or more, implied volatility of 25-80%, a $1 billion company, $5 a share) and a ranking of how strongly a stock passes on value, premium, moat, health, red flags, option trading and stability. A stock that fails any filter stays under 70; 70-84 is Good, 85 and above is Prime. The Sunday Scan is the top 10 that pass, sorted by Wheel Score.
What is the GLS fair value for TIPT?
260.65 per share as of 5 Nov 2026 - the simple average of the 7 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?
No upcoming earnings date is recorded for TIPT in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does TIPT have listed options, and how liquid are they?
Yes. The nightly snapshot found 20 listed contracts with 2,008 open interest across all expiries and implied volatility of 40% 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.