TiptreeTIPT +0.34%58 EV-to-FCF is 5.36 as of Jul. 10, 2026, which is 18% below its 10-year median of 6.54. GuruFocus rates TIPT with a GF Score™ of 58/100 and a GF Value™ of $20.97 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 393 Insurance companies, Tiptree ranks better than 73.28% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Tiptree's Enterprise Value is $982.84 Mil.
Tiptree's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $183.38 Mil. Therefore, Tiptree's EV-to-FCF for today is 5.36.
The historical rank and industry rank for Tiptree's EV-to-FCF or its related term are showing as below:
TIPT'
s EV-to-FCF Range Over the Past 10 Years
Min: -156.98 Med: 6.54 Max: 3958.85
Current: 5.36
During the past 13 years, the highest EV-to-FCF of Tiptree was 3958.85. The lowest was -156.98. And the median was 6.54.
TIPT's EV-to-FCF is ranked better than 73.28% of 393
companies
in the Insurance industry
Industry Median: 9.48
vs TIPT: 5.36
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Tiptree's share price for today is $18.35.
Tiptree's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.880.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Tiptree EV-to-FCF Related Terms
Tiptree EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Tiptree's EV-to-FCF 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.
For the Insurance - Specialty subindustry, Tiptree's EV-to-FCF, along with its competitors' market caps and EV-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 EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Tiptree's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Tiptree's EV-to-FCF falls into.
Tiptree's current Enterprise Value is $982.84 Mil.
Tiptree's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $183.38 Mil.
* 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 EV-to-FCF of 5.36 as of Jul. 10, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Tiptree and its competitors. This is 18% below median its historical median of 6.54. According to the industry distribution chart, Tiptree ranks #105 out of 393 companies in the Insurance industry, placing it in the top 26.7%.
Is Tiptree's EV-to-FCF too high?
Tiptree's current EV-to-FCF of 5.36 is 18% below median its 10-year median of 6.54. The Insurance industry median EV-to-FCF is 9.48. Tiptree's value of 5.36 is 43.5% below this industry median. Based on the distribution chart, Tiptree ranks #105 out of 393 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 EV-to-FCF compare to AMSF and ITIC?
According to the Insurance industry distribution chart, Tiptree ranks #105 out of 393 companies for EV-to-FCF. This puts Tiptree in the upper half of its industry. The industry median EV-to-FCF is 9.48. Tiptree's value of 5.36 is 43.5% below this benchmark. While the company's 10-year median is 6.54 vs. the industry median of 9.48, 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 EV-to-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.48, based on 393 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tiptree's current EV-to-FCF of 5.36 is 43.5% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Tiptree and its competitors. For the Insurance industry, the median EV-to-FCF is 9.48 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tiptree's current EV-to-FCF is 5.36, which is 18% below median its own 10-year median of 6.54. 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 $20.97, compared to a current price of $18.35 — trading 12.5% below its estimated fair value. The current EV-to-FCF is 5.36, which is 18% below median its 10-year median of 6.54 and 43.5% below the Insurance industry median of 9.48. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Tiptree (TIPT), the current EV-to-FCF is 5.36 as of Jul. 10, 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 $18.35 is trading 12.5% below its estimated GF Value™ of $20.97.
GuruFocus considers Tiptree to be Modestly Undervalued.
Key valuation signals for TIPT:
EV-to-FCF: 5.36 (18% below median its 10-year median of 6.54)
GF Value™: $20.97 vs. price of $18.35 (12.5% below fair value)
Industry Position: 43.5% below the Insurance median (#105 of 393)
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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