TiptreeTIPT +0.62%58 Return-on-Tangible-Equity is 11.25% as of Mar. 2026, which is 13% above its 10-year median of 9.95. 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. Among 502 Insurance companies, Tiptree ranks better than 55.38% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Tiptree's annualized net income for the quarter that ended in Mar. 2026 was $56.98 Mil. Tiptree's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $506.42 Mil. Therefore, Tiptree's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 11.25%.
The historical rank and industry rank for Tiptree's Return-on-Tangible-Equity or its related term are showing as below:
TIPT'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -21.91 Med: 9.95 Max: 101.42
Current: 14.96
During the past 13 years, Tiptree's highest Return-on-Tangible-Equity was 101.42%. The lowest was -21.91%. And the median was 9.95%.
TIPT's Return-on-Tangible-Equity is ranked better than 55.38% of 502
companies
in the Insurance industry
Industry Median: 13.515
vs TIPT: 14.96
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Tiptree Return-on-Tangible-Equity Related Terms
Tiptree Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Tiptree's Return-on-Tangible-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: Return-on-Tangible-Equity Comparison
For the Insurance - Specialty subindustry, Tiptree's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-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 Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Tiptree's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Tiptree's Return-on-Tangible-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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 11.25% mean?
Tiptree (TIPT) has a Return-on-Tangible-Equity of 11.25% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Tiptree and its competitors. This is 13% above median its historical median of 9.95. According to the industry distribution chart, Tiptree ranks #224 out of 502 companies in the Insurance industry, placing it in the top 44.6%.
Is Tiptree's Return-on-Tangible-Equity too high?
Tiptree's current Return-on-Tangible-Equity of 11.25% is 13% above median its 10-year median of 9.95. The Insurance industry median Return-on-Tangible-Equity is 13.52. Tiptree's value of 11.25% is 16.8% below this industry median. Based on the distribution chart, Tiptree ranks #224 out of 502 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 Return-on-Tangible-Equity compare to AMSF and ITIC?
According to the Insurance industry distribution chart, Tiptree ranks #224 out of 502 companies for Return-on-Tangible-Equity. This puts Tiptree in the upper half of its industry. The industry median Return-on-Tangible-Equity is 13.52. Tiptree's value of 11.25% is 16.8% below this benchmark. While the company's 10-year median is 9.95 vs. the industry median of 13.52, 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 Return-on-Tangible-Equity for an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.52, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tiptree's current Return-on-Tangible-Equity of 11.25% is 16.8% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Tiptree and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tiptree's current Return-on-Tangible-Equity is 11.25%, which is 13% above median its own 10-year median of 9.95. 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 $17.92 — trading 14.3% below its estimated fair value. The current Return-on-Tangible-Equity is 11.25%, which is 13% above median its 10-year median of 9.95 and 16.8% below the Insurance industry median of 13.52. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Tiptree (TIPT), the current Return-on-Tangible-Equity is 11.25% 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 $17.92 is trading 14.3% below its estimated GF Value™ of $20.92.
GuruFocus considers Tiptree to be Modestly Undervalued.
Key valuation signals for TIPT:
Return-on-Tangible-Equity: 11.25% (13% above median its 10-year median of 9.95)
GF Value™: $20.92 vs. price of $17.92 (14.3% below fair value)
Industry Position: 16.8% below the Insurance median (#224 of 502)
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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