TIPT (Tiptree) Debt-to-EBITDA : N/A (As of Mar. 2026)

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TIPT Tiptree Inc TIPT
58 GF Score
Price $18.05
GF Value $20.99
Valuation Modestly Undervalued
! 2 Warning Signs
View Full Analysis

What is Tiptree Debt-to-EBITDA?

Debt-to-EBITDA measures a company's ability to pay off its debt.

Tiptree's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2026 was $7.98 Mil. Tiptree's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2026 was $72.27 Mil. Tiptree's annualized EBITDA for the quarter that ended in Mar. 2026 was $0.00 Mil.

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.

The historical rank and industry rank for Tiptree's Debt-to-EBITDA or its related term are showing as below:

TIPT' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.06   Med: 5.27   Max: 32.2
Current: 0.63

During the past 13 years, the highest Debt-to-EBITDA Ratio of Tiptree was 32.20. The lowest was 0.06. And the median was 5.27.

TIPT's Debt-to-EBITDA is ranked better than
68.01% of 322 companies
in the Insurance industry
Industry Median: 1.185 vs TIPT: 0.63

Tiptree  (NAS:TIPT) Debt-to-EBITDA Explanation

In the calculation of Debt-to-EBITDA, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by EBITDA. In some calculations, Total Liabilities is used to for calculation.


Be Aware

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.

According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.


Tiptree Debt-to-EBITDA Related Terms


Tiptree Debt-to-EBITDA Historical Data

* Premium members only.

The historical data trend for Tiptree's Debt-to-EBITDA 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 Debt-to-EBITDA Chart

Tiptree Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-EBITDA
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.04 2.45 3.64 0.06 N/A

Tiptree Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Debt-to-EBITDA 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 N/A 1.81 2.50 N/A N/A

TIPT vs AMSF, ITIC, EIG: Debt-to-EBITDA Comparison

For the Insurance - Specialty subindustry, Tiptree's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Insurance Industry

For the Insurance industry and Financial Services sector, Tiptree's Debt-to-EBITDA distribution charts can be found below:

* The bar in red indicates where Tiptree's Debt-to-EBITDA falls into.


TIPT
58GF Score
Tiptree Inc TIPT
Debt-to-EBITDA is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Tiptree Debt-to-EBITDA Calculation

Debt-to-EBITDA measures a company's ability to pay off its debt.

Tiptree's Debt-to-EBITDA for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(8.138 + 72.602) / N/A
=N/A

Tiptree's annualized Debt-to-EBITDA for the quarter that ended in Mar. 2026 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(7.979 + 72.265) / 0
=N/A

* 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.

In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data, the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.

Is Tiptree (TIPT) Overvalued in 2026?

Based on GuruFocus' analysis, Tiptree stock appears to be undervalued. The current stock price of $18.05 is trading 14% below its estimated GF Value™ of $20.99. GuruFocus considers Tiptree to be Modestly Undervalued.

Key valuation signals for TIPT:

  • Debt-to-EBITDA: N/A
  • GF Value™: $20.99 vs. price of $18.05 (14% 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

Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$18.05
Price
$20.99
GF Value