Is Tiptree, Inc. overvalued or undervalued?

As of 8 May 2025, Tiptree, Inc. has moved from a fair to an expensive valuation grade. The company is currently overvalued, with a P/E ratio of 16.83, which is higher than its peer Investors Title Co. at 15.03, indicating a premium that may not be justified by its earnings potential. Additionally, Tiptree's EV to EBITDA stands at 34.36, significantly higher than the industry average, suggesting that investors are paying a high price for earnings before interest, taxes, depreciation, and amortization.
In comparison to its peers, Tiptree's PEG ratio of 0.15 is notably low, indicating potential growth at a reasonable price, but this is overshadowed by its current high valuation metrics. The company's recent stock performance has outpaced the S&P 500, with a 1-year return of 44.38% compared to 10.26% for the index, which may have contributed to the inflated valuation. Overall, the combination of high valuation ratios and peer comparison suggests that Tiptree, Inc. is overvalued at this time.