TIPT (Tiptree) Cyclically Adjusted Book per Share: $12.74 (As of Mar. 2026)


TIPT Tiptree Inc TIPT
58 GF Score
Price $17.76
GF Value $20.92
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Tiptree Cyclically Adjusted Book per Share?

Tiptree TIPT +2.54% 58 Cyclically Adjusted Book per Share is $12.74 as of Mar. 2026. GuruFocus rates TIPT with a GF Score™ of 58/100 and a GF Value™ of $20.92 (Modestly Undervalued). The stock has 2 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Tiptree's adjusted book value per share for the three months ended in Mar. 2026 was $13.423. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $12.74 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Tiptree's average Cyclically Adjusted Book Growth Rate was 6.10% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 6.80% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 6.80% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Tiptree was 7.30% per year. The lowest was 5.00% per year. And the median was 6.85% per year.

As of today (2026-06-28), Tiptree's current stock price is $17.76. Tiptree's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was $12.74. Tiptree's Cyclically Adjusted PB Ratio of today is 1.39.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Tiptree was 2.09. The lowest was 0.54. And the median was 1.10.


Tiptree  (NAS:TIPT) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Tiptree's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=17.76/12.74
=1.39

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Tiptree was 2.09. The lowest was 0.54. And the median was 1.10.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Tiptree Cyclically Adjusted Book per Share Related Terms


Tiptree Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Tiptree's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Tiptree Cyclically Adjusted Book per Share Chart

Tiptree Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 9.69 10.19 10.87 11.77 12.43

Tiptree Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 12.01 12.20 12.37 12.43 12.74

TIPT vs EIG, AMSF, ITIC: Cyclically Adjusted Book per Share Comparison

For the Insurance - Specialty subindustry, Tiptree's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Tiptree Cyclically Adjusted PB Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, Tiptree's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Tiptree's Cyclically Adjusted PB Ratio falls into.


TIPT
58GF Score
Tiptree Inc TIPT
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Tiptree Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Tiptree's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=13.423/330.2130*330.2130
=13.423

Current CPI (Mar. 2026) = 330.2130.

Tiptree Quarterly Data

Book Value per Share CPI Adj_Book
201606 7.707 241.018 10.559
201609 7.878 241.428 10.775
201612 8.053 241.432 11.014
201703 8.065 243.801 10.924
201706 7.847 244.955 10.578
201709 8.632 246.819 11.549
201712 7.927 246.524 10.618
201803 8.431 249.554 11.156
201806 10.743 251.989 14.078
201809 10.769 252.439 14.087
201812 10.792 251.233 14.185
201903 11.118 254.202 14.442
201906 11.467 256.143 14.783
201909 11.426 256.759 14.695
201912 11.517 256.974 14.799
202003 9.733 258.115 12.452
202006 9.972 257.797 12.773
202009 10.361 260.280 13.145
202012 10.897 260.474 13.815
202103 11.631 264.877 14.500
202106 11.589 271.696 14.085
202109 11.367 274.310 13.684
202112 11.222 278.802 13.291
202203 10.512 287.504 12.074
202206 10.753 296.311 11.983
202209 10.684 296.808 11.886
202212 10.921 296.797 12.151
202303 10.906 301.836 11.931
202306 10.938 305.109 11.838
202309 10.778 307.789 11.563
202312 11.341 306.746 12.209
202403 11.548 312.332 12.209
202406 11.865 314.175 12.471
202409 12.556 315.301 13.150
202412 12.285 315.605 12.854
202503 12.635 319.799 13.046
202506 13.330 322.561 13.646
202509 13.357 324.800 13.580
202512 13.445 324.054 13.701
202603 13.423 330.213 13.423

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of $12.74 mean?
Tiptree (TIPT) has a Cyclically Adjusted Book per Share of $12.74 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Tiptree and its competitors.
Is Tiptree's Cyclically Adjusted Book per Share too high?
Tiptree's current Cyclically Adjusted Book per Share is $12.74. Overall, Tiptree has a GF Score™ of 58/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Tiptree's Cyclically Adjusted Book per Share compare to EIG and AMSF?
Tiptree's Cyclically Adjusted Book per Share of $12.74 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for an Insurance company?
A good Cyclically Adjusted Book per Share depends on the Insurance industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Tiptree and its competitors. Tiptree's current Cyclically Adjusted Book per Share is $12.74. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Tiptree stock overvalued right now?
Based on GuruFocus' analysis, Tiptree (TIPT) is currently considered Modestly Undervalued. The stock's GF Value™ is $20.92, compared to a current price of $17.76 — trading 15.1% below its estimated fair value. The current Cyclically Adjusted Book per Share is $12.74. Tiptree's overall GF Score™ is 58/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Tiptree (TIPT), the current Cyclically Adjusted Book per Share is $12.74 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Tiptree (TIPT) Overvalued in 2026?

Based on GuruFocus' analysis, Tiptree stock appears to be undervalued. The current stock price of $17.76 is trading 15.1% below its estimated GF Value™ of $20.92. GuruFocus considers Tiptree to be Modestly Undervalued.

Key valuation signals for TIPT:

  • Cyclically Adjusted Book per Share: $12.74
  • GF Value™: $20.92 vs. price of $17.76 (15.1% below fair value)
  • GF Score™: 58/100 with 2 warning signs

No single metric tells the full story. See the TIPT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Tiptree Business Description

Other Exchanges CJVA:Germany
Address 660 Steamboat Road, 2nd Floor, Greenwich, CT, USA, 06830
Tiptree Inc is a United States-based company that provides specialty insurance products and related services. It has two reportable segments: Insurance and Mortgage. The company generates the majority of its revenue from the Insurance Segment, which is engaged in designing, marketing, and underwriting specialty property and casualty insurance products incorporating value-added coverages and services for select target markets or niches. The Mortgage segment originates loans for sale to institutional investors, including GSEs and FHA/VA, and services loans on behalf of Fannie Mae, Freddie Mac, and Ginnie Mae.
58GF Score

Get the complete analysis for TIPT

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$17.76
Price
$20.92
GF Value