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TiptreeTIPT +0.23%58 Debt-to-Equity is 0.16 as of Mar. 2026, which is 83% below its 10-year median of 0.96. GuruFocus rates TIPT with a GF Score™ of 58/100 and a GF Value™ of $21.01 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 406 Insurance companies, Tiptree ranks better than 57.88% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Tiptree's Debt-to-Equity or its related term are showing as below:
TIPT'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.02 Med: 0.96 Max: 2.71
Current: 0.16
During the past 13 years, the highest Debt-to-Equity Ratio of Tiptree was 2.71. The lowest was 0.02. And the median was 0.96.
TIPT's Debt-to-Equity is ranked better than 57.88% of 406
companies
in the Insurance industry
Industry Median: 0.2
vs TIPT: 0.16
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Tiptree Debt-to-Equity Related Terms
Tiptree Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Tiptree's Debt-to-Equity 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.
TIPT vs AMSF, ITIC, EIG: Debt-to-Equity Comparison
For the Insurance - Specialty subindustry, Tiptree's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Tiptree's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Tiptree's Debt-to-Equity falls into.
* 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 (TIPT) has a Debt-to-Equity of 0.16 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Tiptree and its competitors. This is 83% below median its historical median of 0.96. Over the past decade, Tiptree's Debt-to-Equity has ranged from 0.02 to 2.71. According to the industry distribution chart, Tiptree ranks #171 out of 406 companies in the Insurance industry, placing it in the top 42.1%.
Is Tiptree's Debt-to-Equity too high?
Tiptree's current Debt-to-Equity of 0.16 is 83% below median its 10-year median of 0.96. Over the past 10 years, this metric has ranged from a low of 0.02 to a high of 2.71. The Insurance industry median Debt-to-Equity is 0.20. Tiptree's value of 0.16 is 20% below this industry median. Based on the distribution chart, Tiptree ranks #171 out of 406 companies in the Insurance industry, which is above the industry midpoint. 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 Debt-to-Equity compare to AMSF and ITIC?
According to the Insurance industry distribution chart, Tiptree ranks #171 out of 406 companies for Debt-to-Equity. This puts Tiptree in the upper half of its industry. The industry median Debt-to-Equity is 0.20. Tiptree's value of 0.16 is 20% below this benchmark. Historically, Tiptree's own Debt-to-Equity has ranged from 0.02 to 2.71 over the past decade. While the company's 10-year median is 0.96 vs. the industry median of 0.20, Tiptree has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for an Insurance company?
The median Debt-to-Equity among Insurance companies is 0.20, based on 406 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tiptree's current Debt-to-Equity of 0.16 is 20% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Tiptree and its competitors. For the Insurance industry, the median Debt-to-Equity is 0.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tiptree's current Debt-to-Equity is 0.16, which is 83% below median its own 10-year median of 0.96. 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 $21.01, compared to a current price of $17.80 — trading 15.3% below its estimated fair value. The current Debt-to-Equity is 0.16, which is 83% below median its 10-year median of 0.96 and 20% below the Insurance industry median of 0.20. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Tiptree (TIPT), the current Debt-to-Equity is 0.16 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 $17.80 is trading 15.3% below its estimated GF Value™ of $21.01.
GuruFocus considers Tiptree to be Modestly Undervalued.
Key valuation signals for TIPT:
Debt-to-Equity: 0.16 (83% below median its 10-year median of 0.96)
GF Value™: $21.01 vs. price of $17.80 (15.3% below fair value)
Industry Position: 20% below the Insurance median (#171 of 406)
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 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
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