TIPT (Tiptree) Cyclically Adjusted FCF per Share: $4.47 (As of Mar. 2026)


TIPT Tiptree Inc TIPT
53 GF Score
Price $18.20
GF Value $20.95
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Tiptree Cyclically Adjusted FCF per Share?

Tiptree TIPT -1.30% 53 Cyclically Adjusted FCF per Share is $4.47 as of Mar. 2026. GuruFocus rates TIPT with a GF Score™ of 53/100 and a GF Value™ of $20.95 (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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Tiptree's adjusted free cash flow per share for the three months ended in Mar. 2026 was $-0.481. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $4.47 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Tiptree's average Cyclically Adjusted FCF Growth Rate was 17.30% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 9.80% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 19.50% 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 FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Tiptree was 34.00% per year. The lowest was 9.80% per year. And the median was 19.10% per year.

As of today (2026-07-03), Tiptree's current stock price is $18.20. Tiptree's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was $4.47. Tiptree's Cyclically Adjusted Price-to-FCF of today is 4.07.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Tiptree was 8.14. The lowest was 2.78. And the median was 4.77.


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

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF 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 Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Tiptree's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=18.20/4.47
=4.07

* 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 Price-to-FCF of Tiptree was 8.14. The lowest was 2.78. And the median was 4.77.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Tiptree Cyclically Adjusted FCF per Share Related Terms


Tiptree Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Tiptree's Cyclically Adjusted FCF 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 FCF per Share Chart

Tiptree Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.40 3.39 3.72 3.88 4.49

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 FCF 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 3.81 4.01 4.32 4.49 4.47

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

For the Insurance - Specialty subindustry, Tiptree's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Price-to-FCF vs Insurance Industry

For the Insurance industry and Financial Services sector, Tiptree's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Tiptree's Cyclically Adjusted Price-to-FCF falls into.


TIPT
53GF Score
Tiptree Inc TIPT
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Tiptree Cyclically Adjusted FCF 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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

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

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow 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 FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF 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 Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=-0.481/330.2130*330.2130
=-0.481

Current CPI (Mar. 2026) = 330.2130.

Tiptree Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 -0.588 241.018 -0.806
201609 -0.768 241.428 -1.050
201612 2.511 241.432 3.434
201703 1.303 243.801 1.765
201706 -0.776 244.955 -1.046
201709 -0.088 246.819 -0.118
201712 0.588 246.524 0.788
201803 0.095 249.554 0.126
201806 0.142 251.989 0.186
201809 0.885 252.439 1.158
201812 0.379 251.233 0.498
201903 -0.329 254.202 -0.427
201906 0.208 256.143 0.268
201909 0.456 256.759 0.586
201912 0.106 256.974 0.136
202003 0.687 258.115 0.879
202006 0.985 257.797 1.262
202009 0.186 260.280 0.236
202012 2.107 260.474 2.671
202103 0.744 264.877 0.928
202106 3.500 271.696 4.254
202109 1.158 274.310 1.394
202112 0.518 278.802 0.614
202203 4.339 287.504 4.984
202206 3.772 296.311 4.204
202209 3.102 296.808 3.451
202212 1.563 296.797 1.739
202303 1.043 301.836 1.141
202306 -0.354 305.109 -0.383
202309 1.493 307.789 1.602
202312 -0.373 306.746 -0.402
202403 1.639 312.332 1.733
202406 1.218 314.175 1.280
202409 1.605 315.301 1.681
202412 1.942 315.605 2.032
202503 -0.892 319.799 -0.921
202506 0.550 322.561 0.563
202509 3.510 324.800 3.568
202512 1.186 324.054 1.209
202603 -0.481 330.213 -0.481

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of $4.47 mean?
Tiptree (TIPT) has a Cyclically Adjusted FCF per Share of $4.47 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Tiptree and its competitors.
Is Tiptree's Cyclically Adjusted FCF per Share too high?
Tiptree's current Cyclically Adjusted FCF per Share is $4.47. Overall, Tiptree has a GF Score™ of 53/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Tiptree's Cyclically Adjusted FCF per Share compare to AMSF and ITIC?
Tiptree's Cyclically Adjusted FCF per Share of $4.47 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 FCF per Share for an Insurance company?
A good Cyclically Adjusted FCF per Share depends on the Insurance industry context. However, Cyclically Adjusted FCF 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 FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Tiptree and its competitors. Tiptree's current Cyclically Adjusted FCF per Share is $4.47. 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 $20.95, compared to a current price of $18.20 — trading 13.1% below its estimated fair value. The current Cyclically Adjusted FCF per Share is $4.47. Tiptree's overall GF Score™ is 53/100 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 FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Tiptree (TIPT), the current Cyclically Adjusted FCF per Share is $4.47 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 $18.20 is trading 13.1% below its estimated GF Value™ of $20.95. GuruFocus considers Tiptree to be Modestly Undervalued.

Key valuation signals for TIPT:

  • Cyclically Adjusted FCF per Share: $4.47
  • GF Value™: $20.95 vs. price of $18.20 (13.1% below fair value)
  • GF Score™: 53/100 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.
53GF Score

Get the complete analysis for TIPT

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

$18.20
Price
$20.95
GF Value