TiptreeTIPT -1.70%58 ROE % is 11.25% as of Mar. 2026, which is 93% above its 10-year median of 5.83. GuruFocus rates TIPT with a GF Score™ of 58/100 and a GF Value™ of $20.91 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 502 Insurance companies, Tiptree ranks worse than 62.95% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Tiptree's annualized net income for the quarter that ended in Mar. 2026 was $56.98 Mil. Tiptree's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was $506.42 Mil. Therefore, Tiptree's annualized ROE % for the quarter that ended in Mar. 2026 was 11.25%.
The historical rank and industry rank for Tiptree's ROE % or its related term are showing as below:
TIPT'
s ROE % Range Over the Past 10 Years
Min: -7.73 Med: 5.83 Max: 12.2
Current: 8.74
During the past 13 years, Tiptree's highest ROE % was 12.20%. The lowest was -7.73%. And the median was 5.83%.
TIPT's ROE % is ranked worse than 62.95% of 502
companies
in the Insurance industry
Industry Median: 11.73
vs TIPT: 8.74
Tiptree (NAS:TIPT) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
Tiptree ROE % Related Terms
Tiptree ROE % Historical Data
* Premium members only.
The historical data trend for Tiptree's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Tiptree's ROE % distribution charts can be found below:
* The bar in red indicates where Tiptree's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Tiptree (TIPT) has a ROE % of 11.25% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Tiptree and its competitors. This is 93% above median its historical median of 5.83. According to the industry distribution chart, Tiptree ranks #316 out of 502 companies in the Insurance industry, placing it in the top 62.9%.
Is Tiptree's ROE % too high?
Tiptree's current ROE % of 11.25% is 93% above median its 10-year median of 5.83. The Insurance industry median ROE % is 11.73. Tiptree's value of 11.25% is 4.1% below this industry median. Based on the distribution chart, Tiptree ranks #316 out of 502 companies in the Insurance industry, which is below 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 ROE % compare to EIG and AMSF?
According to the Insurance industry distribution chart, Tiptree ranks #316 out of 502 companies for ROE %. This places Tiptree in the lower half of its industry. The industry median ROE % is 11.73. Tiptree's value of 11.25% is 4.1% below this benchmark. While the company's 10-year median is 5.83 vs. the industry median of 11.73, 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 ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.73, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tiptree's current ROE % of 11.25% is 4.1% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Tiptree and its competitors. For the Insurance industry, the median ROE % is 11.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tiptree's current ROE % is 11.25%, which is 93% above median its own 10-year median of 5.83. 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 $20.91, compared to a current price of $17.32 — trading 17.2% below its estimated fair value. The current ROE % is 11.25%, which is 93% above median its 10-year median of 5.83 and 4.1% below the Insurance industry median of 11.73. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Tiptree (TIPT), the current ROE % 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 $17.32 is trading 17.2% below its estimated GF Value™ of $20.91.
GuruFocus considers Tiptree to be Modestly Undervalued.
Key valuation signals for TIPT:
ROE %: 11.25% (93% above median its 10-year median of 5.83)
GF Value™: $20.91 vs. price of $17.32 (17.2% below fair value)
Industry Position: 4.1% below the Insurance median (#316 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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