Is Tiptree, Inc. overvalued or undervalued?

As of 12 September 2025, the valuation grade for Tiptree, Inc. has moved from fair to expensive, indicating that the stock is overvalued. The company exhibits a P/E ratio of 16, a Price to Book Value of 1.79, and an EV to EBITDA ratio of 34.36, which are all relatively high compared to its peers. For instance, Old Republic International Corp. has a P/E of 11.21 and a PEG ratio of 0.24, while Essent Group Ltd. shows a P/E of 8.80, suggesting that Tiptree is trading at a premium relative to these competitors.
Despite Tiptree's strong historical performance, with a 3-year return of 117.42% compared to the S&P 500's 70.41%, the current valuation metrics indicate that the stock is not justified at its current price level. Thus, Tiptree, Inc. appears to be overvalued in the current market context.