| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 392.33M | 506.42M | 579.8M | 625.83M | 765.13M | 810.3M | 1.2B | 1.4B | 1.65B | 2.04B |
| Revenue Growth % | 3.89% | 0.29% | 0.14% | 0.08% | 0.22% | 0.06% | 0.48% | 0.16% | 0.18% | 0.24% |
| Medical Costs & Claims | 0 | 0 | 0 | 152.09M | 170.68M | 236.9M | 327.01M | 452.61M | 601.79M | 841.21M |
| Medical Cost Ratio % | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | 440.12M | 506.42M | 579.8M | 473.73M | 594.45M | 573.4M | 873.5M | 945.15M | 1.05B | 1.2B |
| Gross Margin % | - | - | - | - | - | - | - | - | - | - |
| Gross Profit Growth % | 4.48% | 0.15% | 0.14% | -0.18% | 0.25% | -0.04% | 0.52% | 0.08% | 0.11% | 0.15% |
| Operating Expenses | 397.88M | 483.36M | 593.59M | 493.53M | 565.31M | 612.25M | 808.16M | 891.14M | 964.18M | 1.05B |
| OpEx / Revenue % | - | - | - | - | - | - | - | - | - | - |
| Depreciation & Amortization | 46.72M | 28.54M | 29.99M | 12.6M | 13.57M | 17.58M | 24.44M | 22.97M | 23.47M | 21.65M |
| Combined Ratio % | - | - | - | - | - | - | - | - | - | - |
| Operating Income | -5.55M | 23.06M | -13.79M | -19.8M | 29.14M | -38.85M | 65.34M | 54.01M | 83.05M | 149.32M |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - |
| Operating Income Growth % | 0.1% | 5.16% | -1.6% | -0.44% | 2.47% | -2.33% | 2.68% | -0.17% | 0.54% | 0.8% |
| EBITDA | 41.17M | 51.6M | 16.2M | -7.2M | 42.71M | -21.27M | 89.78M | 76.98M | 106.52M | 170.97M |
| EBITDA Margin % | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | 16.7M | 21.01M | 25.56M | 27.01M | 27.06M | 32.58M | 37.67M | 30.24M | 27.69M | 32.25M |
| Non-Operating Income | -19.34M | -47.09M | -36.02M | -27.01M | -27.06M | -32.58M | -37.67M | -30.24M | -27.69M | -32.25M |
| Pretax Income | -2.9M | 49.14M | -3.33M | -19.8M | 29.14M | -38.85M | 65.34M | 54.01M | 83.05M | 149.32M |
| Pretax Margin % | - | - | - | - | - | - | - | - | - | - |
| Income Tax | -753K | 12.52M | -12.56M | -5.91M | 9.02M | -13.63M | 21.29M | 50.45M | 43.06M | 61.65M |
| Effective Tax Rate % | - | - | - | - | - | - | - | - | - | - |
| Net Income | 5.78M | 25.32M | 3.6M | 23.93M | 18.36M | -29.16M | 38.13M | -8.27M | 13.95M | 53.37M |
| Net Margin % | - | - | - | - | - | - | - | - | - | - |
| Net Income Growth % | 4.38% | 3.38% | -0.86% | 5.64% | -0.23% | -2.59% | 2.31% | -1.22% | 2.69% | 2.83% |
| EPS (Diluted) | 0.17 | 0.78 | 0.11 | 0.69 | 0.50 | -0.74 | 1.13 | 0.10 | 0.33 | 1.30 |
| EPS Growth % | 2.7% | 3.59% | -0.86% | 5.27% | -0.28% | -2.48% | 2.53% | -0.91% | 2.3% | 2.94% |
| EPS (Basic) | 0.17 | 0.79 | 0.12 | 0.69 | 0.53 | -0.74 | 1.15 | 0.10 | 0.34 | 1.44 |
| Diluted Shares Outstanding | 33.2M | 31.77M | 37.31M | 34.72M | 34.58M | 33.86M | 33.69M | 35.53M | 37.62M | 37.93M |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | 2.5B | 2.89B | 1.99B | 1.86B | 2.2B | 3B | 3.6B | 4.04B | 5.14B | 5.69B |
| Asset Growth % | -0.69% | 0.16% | -0.31% | -0.06% | 0.18% | 0.36% | 0.2% | 0.12% | 0.27% | 0.11% |
| Total Investment Assets | 754.81M | 895.16M | 462.45M | 696.93M | 644.95M | 799.06M | 928.42M | 817.23M | 1.03B | 1.34B |
| Long-Term Investments | 224.76M | 194.78M | 207.98M | 406.54M | 490.57M | 500.97M | 715.93M | 697.76M | 870.92M | 1.22B |
| Short-Term Investments | 184.7M | 146.17M | 182.45M | 283.56M | 335.19M | 377.13M | 577.45M | 611.98M | 802.61M | 1.11B |
| Total Current Assets | 88.18M | 133.07M | 142.24M | 1.02B | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash & Equivalents | 69.4M | 63.01M | 110.67M | 86M | 133.12M | 136.92M | 175.72M | 538.07M | 468.71M | 320.07M |
| Receivables | 1000K | 0 | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Other Current Assets | 0 | 0 | 0 | 356.1M | -1.3B | -1.64B | -2.12B | -2.87B | -3.82B | -4.31B |
| Goodwill & Intangibles | 186.11M | 178.25M | 155.58M | 143.68M | 155.88M | 332.21M | 331.69M | 345.05M | 365.75M | 352.18M |
| Goodwill | 92.77M | 92.77M | 91.56M | 91.56M | 99.15M | 179.24M | 179.1M | 186.61M | 206.16M | 206.71M |
| Intangible Assets | 93.34M | 85.48M | 64.02M | 52.12M | 56.74M | 152.97M | 152.59M | 158.44M | 159.59M | 145.47M |
| PP&E (Net) | 7.02M | 5.94M | 4.3M | 6.12M | 36.14M | 43.09M | 38.75M | 53.33M | 61.09M | 55.14M |
| Other Assets | 960.41M | 24.34M | 448.49M | 114.27M | -682.59M | -876.27M | -1.09B | -1.1B | -1.3B | -1.62B |
| Total Liabilities | 2.1B | 2.5B | 1.59B | 1.47B | 1.79B | 2.62B | 3.2B | 3.51B | 4.56B | 5.04B |
| Total Debt | 673.21M | 793.01M | 346.08M | 354.08M | 368.94M | 364.16M | 387.75M | 262.4M | 407.81M | 428.68M |
| Net Debt | 603.81M | 730M | 235.41M | 268.08M | 235.83M | 227.24M | 212.03M | -275.67M | -60.9M | 108.61M |
| Long-Term Debt | 481.81M | 378.45M | 346.08M | 354.08M | 224.67M | 183.42M | 199.82M | 163.74M | 170.27M | 328.39M |
| Short-Term Debt | 191.4M | 414.56M | 0 | 0 | 114.79M | 147.82M | 158.53M | 60.63M | 197.14M | 63.7M |
| Total Current Liabilities | 959.96M | 1.19B | 631.44M | 241.79M | 0 | 0 | 0 | 0 | 0 | 0 |
| Accounts Payable | 142.92M | 139.82M | 151.25M | 129.16M | 213.84M | 375.85M | 415.38M | 424.53M | 675.22M | 529.06M |
| Deferred Revenue | 63.08M | 52.25M | 56.74M | 75.75M | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | -335.67M | -564.89M | 20.97M | -56.86M | -337.8M | -542.35M | -594.33M | -527.9M | -909.09M | -599.83M |
| Deferred Taxes | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Other Liabilities | 892.89M | 1.12B | 20.18M | 23.05M | -381.07M | -639.73M | -804.12M | -941.31M | -1.02B | -1.23B |
| Total Equity | 397.69M | 390.14M | 396.77M | 399.26M | 411.42M | 373.54M | 400.18M | 533.57M | 576.57M | 656.77M |
| Equity Growth % | -0.01% | -0.02% | 0.02% | 0.01% | 0.03% | -0.09% | 0.07% | 0.33% | 0.08% | 0.14% |
| Shareholders Equity | 312.84M | 293.43M | 300.08M | 387.1M | 398.06M | 356.14M | 382.95M | 397.37M | 416.87M | 457.7M |
| Minority Interest | 84.85M | 96.71M | 96.7M | 12.16M | 13.35M | 17.39M | 17.23M | 136.21M | 159.7M | 199.07M |
| Retained Earnings | 15.85M | 37.97M | 38.08M | 57.23M | 70.19M | 35.42M | 68.15M | 54.11M | 60.66M | 95.72M |
| Common Stock | 43K | 43K | 43K | 36K | 35K | 33K | 34K | 36K | 37K | 37K |
| Accumulated OCI | -111K | 555K | 966K | -2.06M | 1.7M | 5.67M | -2.69M | -39.43M | -26.07M | -27.75M |
| Return on Equity (ROE) | 0.01% | 0.06% | 0.01% | 0.06% | 0.05% | -0.07% | 0.1% | -0.02% | 0.03% | 0.09% |
| Return on Assets (ROA) | 0% | 0.01% | 0% | 0.01% | 0.01% | -0.01% | 0.01% | -0% | 0% | 0.01% |
| Equity / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / Equity | 1.69x | 2.03x | 0.87x | 0.89x | 0.90x | 0.97x | 0.97x | 0.49x | 0.71x | 0.65x |
| Book Value per Share | 11.98 | 12.28 | 10.64 | 11.50 | 11.90 | 11.03 | 11.88 | 15.02 | 15.33 | 17.32 |
| Tangible BV per Share | - | - | - | - | - | - | - | - | - | - |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | -6.29M | 36.64M | 46.92M | 57.72M | 23.74M | 140.17M | 204.32M | 463.07M | 71.45M | 240.76M |
| Operating CF Growth % | -1.07% | 6.83% | 0.28% | 0.23% | -0.59% | 4.9% | 0.46% | 1.27% | -0.85% | 2.37% |
| Operating CF / Revenue % | - | - | - | - | - | - | - | - | - | - |
| Net Income | 8.8M | 32.34M | 5.23M | 29.88M | 20.12M | -25.23M | 44.05M | 3.56M | 40M | 87.67M |
| Depreciation & Amortization | 45.12M | 28.54M | 29.99M | 12.6M | 13.57M | 17.58M | 24.44M | 22.97M | 23.47M | 21.65M |
| Stock-Based Compensation | 2.36M | 2.58M | 6.56M | 6.66M | 6.36M | 8.12M | 11.13M | 9.71M | 8.28M | 17.72M |
| Deferred Taxes | -19.55M | 6.45M | -11.25M | 4.01M | 6.82M | 10.73M | 17.73M | 47.55M | 37.02M | 31.14M |
| Other Non-Cash Items | 1.1B | 1.74B | 1.61B | 1.51B | 1.96B | 3.1B | 3.79B | 2.34B | -24.84M | 935.51M |
| Working Capital Changes | -1.14B | -1.78B | -1.6B | -1.5B | -1.99B | -2.98B | -3.68B | -1.96B | -12.47M | -852.94M |
| Cash from Investing | -215.12M | -319.99M | 205.68M | -109.11M | -8.33M | -123.49M | -273.76M | 9.51M | -244.67M | -322.99M |
| Capital Expenditures | -5.66M | -7.16M | -2.89M | -3.75M | -8.52M | -6.69M | -2.76M | -10.73M | -14.03M | -4.03M |
| Acquisitions | 68.55M | -102.27M | -71.74M | 15.71M | 13.7M | -4.81M | 258K | -14.96M | -19.73M | 0 |
| Purchase of Investments | -377.87M | -269.89M | -219.96M | -327.62M | -389.21M | -1.49B | -1.43B | -1.2B | -1.49B | -955.3M |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Other Investing | 16.82M | -145.81M | 203.4M | 15.61M | -18.63M | -17.52M | -12.42M | -28.01M | -15.02M | -6.48M |
| Cash from Financing | 243.66M | 276.95M | -194.41M | -2M | 36.93M | 31.75M | 73.73M | -115.19M | 113.41M | 6.29M |
| Dividends Paid | -3.31M | -3.19M | -3.5M | -4.78M | -5.5M | -5.57M | -5.41M | -7.78M | -13.73M | -24.82M |
| Share Repurchases | -3.98M | -43.75M | -7.3M | -14.11M | -9.09M | -13.89M | -8.14M | -1.73M | 0 | 0 |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 98.43M | 0 | 0 |
| Debt Issuance (Net) | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | -1000K | 1000K | 1000K |
| Other Financing | -1.06M | 195.94M | -224.64M | 1.77M | -4.11M | -6.71M | -3.65M | 13.18M | -16.27M | 501K |
| Net Change in Cash | 16.41M | -6.39M | 47.66M | -56.25M | 45.21M | 43.55M | -5.07M | 346.4M | -58.29M | -76.3M |
| Exchange Rate Effect | 0 | 0 | -1000K | -1000K | -1000K | -1000K | -1000K | -1000K | 1000K | -355K |
| Cash at Beginning | 52.99M | 69.4M | 63.01M | 152.77M | 99.38M | 151.73M | 200.15M | 204.45M | 550.85M | 492.56M |
| Cash at End | 69.4M | 63.01M | 110.67M | 96.52M | 144.59M | 195.28M | 195.09M | 550.85M | 492.56M | 416.26M |
| Free Cash Flow | -11.95M | 29.48M | 44.03M | 53.98M | 15.22M | 133.47M | 201.55M | 452.35M | 57.42M | 236.72M |
| FCF Growth % | -1.13% | 3.47% | 0.49% | 0.23% | -0.72% | 7.77% | 0.51% | 1.24% | -0.87% | 3.12% |
| FCF Margin % | - | - | - | - | - | - | - | - | - | - |
| FCF per Share | -0.36 | 0.93 | 1.18 | 1.55 | 0.44 | 3.94 | 5.98 | 12.73 | 1.53 | 6.24 |
| Metric | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Combined Ratio | 101.41% | 95.45% | 102.38% | 103.16% | 96.19% | 104.79% | 94.56% | 96.14% | 94.96% | 92.69% |
| Medical Cost Ratio | 0% | 0% | 0% | 24.3% | 22.31% | 29.24% | 27.24% | 32.38% | 36.49% | 41.18% |
| Return on Equity (ROE) | 1.45% | 6.43% | 0.92% | 6.01% | 4.53% | -7.43% | 9.86% | -1.77% | 2.51% | 8.65% |
| Return on Assets (ROA) | 0.11% | 0.94% | 0.15% | 1.24% | 0.9% | -1.12% | 1.16% | -0.22% | 0.3% | 0.99% |
| Equity / Assets | 15.9% | 13.5% | 19.94% | 21.41% | 18.72% | 12.47% | 11.12% | 13.21% | 11.22% | 11.53% |
| Book Value / Share | 11.98 | 12.28 | 10.64 | 11.5 | 11.9 | 11.03 | 11.88 | 15.02 | 15.33 | 17.32 |
| Debt / Equity | 1.69x | 2.03x | 0.87x | 0.89x | 0.90x | 0.97x | 0.97x | 0.49x | 0.71x | 0.65x |
| Revenue Growth | 388.5% | 29.08% | 14.49% | 7.94% | 22.26% | 5.9% | 48.16% | 16.43% | 17.98% | 23.88% |
| 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Service and Administrative Fees | - | - | - | - | - | - | - | - | - | 341.46M |
| Service and Administrative Fees Growth | - | - | - | - | - | - | - | - | - | - |
| Service Contract Revenue | - | - | - | - | - | - | - | 163.58M | 210.82M | 294.5M |
| Service Contract Revenue Growth | - | - | - | - | - | - | - | - | 28.87% | 39.70% |
| Motor Club Revenue | - | - | - | - | - | - | - | 41.63M | 53.35M | 43.26M |
| Motor Club Revenue Growth | - | - | - | - | - | - | - | - | 28.13% | -18.91% |
| Other Contract Revenue | - | - | - | - | - | - | - | - | - | 3.71M |
| Other Contract Revenue Growth | - | - | - | - | - | - | - | - | - | - |
| Vessels | - | - | - | - | - | 16.75M | 22.7M | 35.56M | 30.14M | - |
| Vessels Growth | - | - | - | - | - | - | 35.53% | 56.68% | -15.24% | - |
| Other contract revenue | - | - | - | - | 7.84M | 7.32M | 6.13M | 17.78M | 5.92M | - |
| Other contract revenue Growth | - | - | - | - | - | -6.67% | -16.26% | 190.26% | -66.73% | - |
| Asset management fee income | - | - | - | - | 6.69M | 1.27M | - | - | - | - |
| Asset management fee income Growth | - | - | - | - | - | -81.07% | - | - | - | - |
| Warranty coverage revenue | - | - | - | - | 26.06M | 27.6M | 98.57M | - | - | - |
| Warranty coverage revenue Growth | - | - | - | - | - | 5.91% | 257.19% | - | - | - |
| Car club revenue | - | - | - | - | 32.24M | 36.08M | 36.16M | - | - | - |
| Car club revenue Growth | - | - | - | - | - | 11.89% | 0.23% | - | - | - |
| Specialty Insurance | - | - | - | 478.96M | - | - | - | - | - | - |
| Specialty Insurance Growth | - | - | - | - | - | - | - | - | - | - |
| Mortgage | - | - | - | 56.57M | - | - | - | - | - | - |
| Mortgage Growth | - | - | - | - | - | - | - | - | - | - |
| Corporate and Other | - | - | - | 36.52M | - | - | - | - | - | - |
| Corporate and Other Growth | - | - | - | - | - | - | - | - | - | - |
| Asset Management | 278K | 13.05M | 13.11M | 9.74M | - | - | - | - | - | - |
| Asset Management Growth | - | 4593.53% | 0.51% | -25.72% | - | - | - | - | - | - |
| Insurance | 26.18M | 334.35M | 394.17M | - | - | - | - | - | - | - |
| Insurance Growth | - | 1177.35% | 17.89% | - | - | - | - | - | - | - |
| Corporate And Eliminations | - | - | 3.71M | - | - | - | - | - | - | - |
| Corporate And Eliminations Growth | - | - | - | - | - | - | - | - | - | - |
| Specialty Finance | 15.22M | 57.73M | - | - | - | - | - | - | - | - |
| Specialty Finance Growth | - | 279.21% | - | - | - | - | - | - | - | - |
| Real Estate | 29.28M | 49.88M | - | - | - | - | - | - | - | - |
| Real Estate Growth | - | 70.35% | - | - | - | - | - | - | - | - |
Tiptree Inc. (TIPT) has a price-to-earnings (P/E) ratio of 13.6x. This may indicate the stock is undervalued or faces growth challenges.
Tiptree Inc. (TIPT) grew revenue by 23.9% over the past year. This is strong growth.
Yes, Tiptree Inc. (TIPT) is profitable, generating $50.6M in net income for fiscal year 2024 (2.6% net margin).
Yes, Tiptree Inc. (TIPT) pays a dividend with a yield of 3.70%. This makes it attractive for income-focused investors.
Tiptree Inc. (TIPT) has a return on equity (ROE) of 8.7%. This is below average, suggesting room for improvement.
Tiptree Inc. (TIPT) has a combined ratio of 92.7%. A ratio below 100% indicates underwriting profitability.