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TIPT logoTiptree Inc.(TIPT)Earnings, Financials & Key Ratios

TIPT•NASDAQ•Insurance & Managed Care
23.0× P/E·Price updated Jun 19, 2026
  • Revenue$488K-100.0%
  • Combined Ratio8073.57%+8610.2%
  • Net Income$35M-34.6%
  • Return on Equity4.96%-42.7%
  • Medical Cost Ratio6935.25%+16742.1%
  • Operating Margin-7973.57%-109187.5%
  • Net Margin7157.17%+273871.9%
  • ROA0.56%-43.4%
  • Equity / Assets11%-4.6%

TIPT Key Insights

Tiptree Inc. (TIPT) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Trading at only 0.9x book value

✗Weaknesses

  • ✗Unprofitable underwriting: 8073.6% combined ratio
  • ✗High loss ratio of 6935.2%
  • ✗Trading more than 30% below 52-week high

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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TIPT Price & Volume

Tiptree Inc. (TIPT) stock price & volume — 10-year historical chart

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TIPT Growth Metrics

Tiptree Inc. (TIPT) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years-48.78%
5 Years-77.3%
3 Years-92.96%
TTM-48.55%

Profit CAGR

10 Years19.71%
5 Years-
3 Years-
TTM-12.84%

EPS CAGR

10 Years16.15%
5 Years-
3 Years-
TTM-24.66%

Return on Capital

10 Years3.57%
5 Years7.31%
3 Years6.66%
Last Year-0.9%

TIPT Recent Earnings

Tiptree Inc. (TIPT) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
Q2 2026Latest
Apr 30, 2026
Metric
Actual
Est
EPS
$0.19
—
Rev
$705,000
—
Q2 2026
Mar 6, 2026
Metric
Actual
Est
EPS
$0.25
—
Rev
$72,000
—
Q4 2025
Oct 31, 2025
Metric
Actual
Est
EPS
$0.71
—
Rev
$523M
—
Q3 2025
Jul 30, 2025
Metric
Actual
Est
EPS
$0.58
—
Rev
$529M
—
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 30, 2026
$0.19
$705,000
Q2 2026Mar 6, 2026
$0.25
$72,000
Q4 2025Oct 31, 2025
$0.71
$523M
Q3 2025Jul 30, 2025
$0.58
$529M
Based on last 12 quarters of dataView full earnings history →

TIPT Peer Comparison

Tiptree Inc. (TIPT) competitors in industry — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
CODI logoCODICompass DiversifiedDirect Competitor760.64M10.11-3.314.79%-12.3%-49.61%3.27
HCI logoHCIHCI Group, Inc.Direct Competitor2.13B163.636.5820.21%32.64%30.81%0.06
KFRC logoKFRCKforce Inc.Direct Competitor829.64M45.3923.16-5.43%2.6%27.22%0.56
HRTG logoHRTGHeritage Insurance Holdings, Inc.Direct Competitor706.24M23.273.683.71%25.99%43.68%0.20
ITIC logoITICInvestors Title CompanyProduct Competitor487.82M258.3813.915.6%13.59%14.03%0.03
NODK logoNODKNI Holdings, Inc.Product Competitor325.86M15.91-31.82-12.35%-1.6%-1.79%
ACGL logoACGLArch Capital Group Ltd.Product Competitor32.48B91.187.8514.27%22.07%19.02%0.11
FAF logoFAFFirst American Financial CorporationSupply Chain7.02B68.6311.4421.64%11.19%12.54%0.35

Compare TIPT vs Peers

Tiptree Inc. (TIPT) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs CODI

Most directly comparable listed peer for TIPT.

Scale Benchmark

vs ACGL

Larger-name benchmark to compare TIPT against a more recognizable public peer.

Peer Set

Compare Top 5

vs CODI, HCI, KFRC, HRTG

TIPT Income Statement

Tiptree Inc. (TIPT) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Revenue
579.8M625.83M765.13M810.3M1.2B1.4B1.65B2.04B488K1.05B
Revenue Growth %
14.49%7.94%22.26%5.9%48.16%16.43%17.98%23.88%-99.98%-48.55%
Medical Costs & Claims
0152.09M170.68M236.9M327.01M452.61M601.79M841.21M33.84M-168.71M
Medical Cost Ratio %
0%24.3%22.31%29.24%27.24%32.38%36.49%41.18%6935.25%-16.06%
Gross Profit
579.8M▲ 0%
473.73M▼ 18.3%
594.45M▲ 25.5%
573.4M▼ 3.5%
873.5M▲ 52.3%
945.15M▲ 8.2%
1.05B▲ 10.8%
1.2B▲ 14.7%
-33.36M▼ 102.8%
-327.5M▲ 0%
Gross Margin %
100%75.7%77.69%70.76%72.76%67.62%63.51%58.82%-6835.25%-31.18%
Gross Profit Growth %
14.49%-18.29%25.48%-3.54%52.34%8.2%10.8%14.74%-102.78%-
Operating Expenses
593.59M493.53M565.31M612.25M808.16M891.14M964.18M1.05B5.55M-256.1M
OpEx / Revenue %
102.38%78.86%73.88%75.56%67.32%63.75%58.47%51.51%1138.32%-24.38%
Depreciation & Amortization
29.99M12.6M13.57M17.58M24.44M22.97M23.47M21.65M1.45M-3.08M
Combined Ratio %
102.38%103.16%96.19%104.79%94.56%96.14%94.96%92.69%8073.57%-40.45%
Operating Income
-13.79M▲ 0%
-19.8M▼ 43.6%
29.14M▲ 247.2%
-38.85M▼ 233.3%
65.34M▲ 268.2%
54.01M▼ 17.3%
83.05M▲ 53.8%
149.32M▲ 79.8%
-38.91M▼ 126.1%
74.54M▲ 0%
Operating Margin %
-2.38%-3.16%3.81%-4.79%5.44%3.86%5.04%7.31%-7973.57%7.1%
Operating Income Growth %
-159.78%-43.58%247.2%-233.33%268.18%-17.34%53.77%79.79%-126.06%-
EBITDA
16.2M-7.2M42.71M-21.27M89.78M76.98M106.52M170.97M-37.46M71.47M
EBITDA Margin %
2.79%-1.15%5.58%-2.63%7.48%5.51%6.46%8.37%-7676.84%6.8%
Interest Expense
25.56M27.01M27.06M32.58M37.67M30.24M27.69M32.25M021.55M
Non-Operating Income
-36.02M-27.01M-27.06M-32.58M-37.67M-30.24M-27.69M-32.25M0-21.55M
Pretax Income
-3.33M▲ 0%
-19.8M▼ 494.5%
29.14M▲ 247.2%
-38.85M▼ 233.3%
65.34M▲ 268.2%
54.01M▼ 17.3%
83.05M▲ 53.8%
149.32M▲ 79.8%
-46.72M▼ 131.3%
73.38M▲ 0%
Pretax Margin %
-0.57%-3.16%3.81%-4.79%5.44%3.86%5.04%7.31%-9574.59%6.99%
Income Tax
-12.56M-5.91M9.02M-13.63M21.29M50.45M43.06M61.65M-5.69M-19.23M
Effective Tax Rate %
377.24%29.85%30.94%35.07%32.58%93.41%51.84%41.29%12.18%-26.2%
Net Income
3.6M▲ 0%
23.93M▲ 564.1%
18.36M▼ 23.3%
-29.16M▼ 258.8%
38.13M▲ 230.8%
-8.27M▼ 121.7%
13.95M▲ 268.6%
53.37M▲ 282.5%
34.93M▼ 34.6%
43.54M▲ 0%
Net Margin %
0.62%3.82%2.4%-3.6%3.18%-0.59%0.85%2.61%7157.17%4.15%
Net Income Growth %
-85.77%564.07%-23.28%-258.8%230.78%-121.7%268.61%282.53%-34.55%-12.84%
EPS (Diluted)
0.11▲ 0%
0.69▲ 527.3%
0.50▼ 27.5%
-0.74▼ 248.0%
1.13▲ 252.7%
-0.23▼ 120.4%
0.33▲ 243.5%
1.30▲ 293.9%
0.76▼ 41.5%
1.15▲ 0%
EPS Growth %
-85.9%527.27%-27.54%-248%252.7%-120.35%243.48%293.94%-41.54%-24.66%
EPS (Basic)
0.120.690.53-0.741.15-0.230.341.440.93-
Diluted Shares Outstanding
37.31M34.72M34.58M33.86M33.69M35.53M37.62M37.93M37.56M37.79M

TIPT Balance Sheet

Tiptree Inc. (TIPT) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Total Assets
1.99B1.86B2.2B3B3.6B4.04B5.14B5.69B6.84B6.97B
Asset Growth %
-31.15%-6.27%17.88%36.28%20.14%12.24%27.22%10.81%20.11%72.27%
Total Investment Assets
462.45M696.93M644.95M799.06M928.42M817.23M1.03B15.02M21.7M3.58M
Long-Term Investments
207.98M406.54M490.57M500.97M350.97M205.25M222.8M4.15M4.63M2.39B
Short-Term Investments
182.45M283.56M335.19M377.13M577.45M611.98M802.61M10.87M17.07M581K
Total Current Assets
142.24M1.02B002.18B2.92B3.89B3.08B47.86M36.25M
Cash & Equivalents
110.67M86M133.12M136.92M175.72M538.07M468.71M19.44M30.78M33.4M
Receivables
186.42M223.1M827.62M1.12B1.39B1.01B1.68B1.89B04.43B
Other Current Assets
0356.1M-1.3B-1.64B19.37M12.78M23.85M96.2M02.27M
Goodwill & Intangibles
155.58M143.68M155.88M332.21M711.07M843.97M931.49M918.05M01.83B
Goodwill
91.56M91.56M99.15M179.24M179.1M186.61M206.16M206.71M00
Intangible Assets
64.02M52.12M56.74M152.97M531.96M657.37M725.34M711.34M00
PP&E (Net)
4.3M6.12M36.14M43.09M38.75M53.33M61.09M17.85M14.56M13.74M
Other Assets
448.49M114.27M-682.59M-876.27M323.35M21.41M37.03M1.68B6.77B6.92B
Total Liabilities
1.59B1.47B1.79B2.62B3.2B3.51B4.56B5.04B6.09B6.22B
Total Debt
346.08M354.08M368.94M364.16M422.75M297.4M442.81M374.53M80.74M16.12M
Net Debt
235.41M268.08M235.83M227.24M247.03M-240.67M-25.9M355.09M49.96M-17.28M
Long-Term Debt
346.08M354.08M224.67M183.42M234.82M198.74M205.27M363.39M63.95M8.14M
Short-Term Debt
00114.79M147.82M158.53M60.63M197.14M08.14M7.98M
Total Current Liabilities
631.44M241.79M002.66B3.25B4.3B3.74B107.65M27.93M
Accounts Payable
151.25M129.16M213.84M375.85M415.38M424.53M675.22M529.06M00
Deferred Revenue
56.74M75.75M001.12B1.36B1.7B1.77B00
Other Current Liabilities
20.97M-56.86M-337.8M-542.35M906.62M1.32B1.66B1.37B80.39M19.95M
Deferred Taxes
1000K1000K1000K1000K1000K1000K1000K1000K1000K584.91M
Other Liabilities
20.18M23.05M-381.07M-639.73M-302.03M-724.3M-794.47M172.25M5.83B6.1B
Total Equity
396.77M▲ 0%
399.26M▲ 0.6%
411.42M▲ 3.0%
373.54M▼ 9.2%
400.18M▲ 7.1%
533.57M▲ 33.3%
576.57M▲ 8.1%
656.77M▲ 13.9%
752.4M▲ 14.6%
750.5M▲ 0%
Equity Growth %
1.7%0.63%3.04%-9.21%7.13%33.33%8.06%13.91%14.56%54.39%
Shareholders Equity
300.08M387.1M398.06M356.14M382.95M397.37M416.87M457.7M508.55M504.28M
Minority Interest
96.7M12.16M13.35M17.39M17.23M136.21M159.7M199.07M243.85M246.22M
Retained Earnings
38.08M57.23M70.19M35.42M68.15M54.11M60.66M95.72M121.57M133.55M
Common Stock
43K36K35K33K34K36K37K37K38K38K
Accumulated OCI
966K-2.06M1.7M5.67M-2.69M-39.43M-26.07M-27.75M-7.5M-19.73M
Return on Equity (ROE)
0.92%6.01%4.53%-7.43%9.86%-1.77%2.51%8.65%4.96%5.87%
Return on Assets (ROA)
0.15%1.24%0.9%-1.12%1.16%-0.22%0.3%0.99%0.56%0.66%
Equity / Assets
19.94%21.41%18.72%12.47%11.12%13.21%11.22%11.53%11%10.77%
Debt / Equity
0.87x0.89x0.90x0.97x1.06x0.56x0.77x0.57x0.11x0.02x
Book Value per Share
10.6411.5011.9011.0311.8815.0215.3317.3220.0319.86
Tangible BV per Share
6.477.367.391.22-9.23-8.74-9.43-6.8920.0319.86

TIPT Cash Flow Statement

Tiptree Inc. (TIPT) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash from Operations
46.92M57.72M23.74M140.17M204.32M463.07M71.45M240.76M168.22M193.2M
Operating CF Growth %
28.04%23.03%-58.87%490.38%45.76%126.65%-84.57%236.95%-30.13%105.65%
Operating CF / Revenue %
8.09%9.22%3.1%17.3%17.02%33.13%4.33%11.79%34470.9%18.39%
Net Income
5.23M29.88M20.12M-25.23M44.05M3.56M40M87.67M34.93M43.54M
Depreciation & Amortization
29.99M12.6M13.57M17.58M24.44M22.97M23.47M21.65M191K706K
Stock-Based Compensation
6.56M6.66M6.36M8.12M11.13M9.71M8.28M17.72M11.34M3.59M
Deferred Taxes
-11.25M4.01M6.82M10.73M17.73M47.55M37.02M31.14M-6.58M-13.57M
Other Non-Cash Items
1.61B1.51B1.96B3.1B3.79B2.34B-24.84M935.51M125.65M582.71M
Working Capital Changes
-1.6B-1.5B-1.99B-2.98B-3.68B-1.96B-12.47M-852.94M2.68M-452.44M
Cash from Investing
205.68M-109.11M-8.33M-123.49M-273.76M9.51M-244.67M-322.99M-202.03M-201.72M
Capital Expenditures
-2.89M-3.75M-8.52M-6.69M-2.76M-10.73M-14.03M-4.03M01.12M
Acquisitions
-71.74M15.71M13.7M-4.81M258K-14.96M-19.73M000
Purchase of Investments
-219.96M-327.62M-389.21M-1.49B-1.43B-1.2B-1.49B-955.3M-90.51M82M
Sale/Maturity of Investments
296.86M190.94M394.33M1.4B1.17B1.26B1.3B642.82M84.34M-30.91M
Other Investing
203.4M15.61M-18.63M-17.52M-12.42M-28.01M-15.02M-6.48M-195.86M-253.94M
Cash from Financing
-194.41M-2M36.93M31.75M73.73M-115.19M113.41M6.29M11.48M-33.85M
Dividends Paid
-3.5M-4.78M-5.5M-5.57M-5.41M-7.78M-13.73M-24.82M-9.07M-7.46M
Share Repurchases
-7.3M-14.11M-9.09M-13.89M-8.14M-1.73M000-5M
Stock Issued
0000098.43M00-6.6M2.69M
Debt Issuance (Net)
1000K1000K1000K1000K1000K-1000K1000K1000K1000K-1000K
Other Financing
-224.64M1.77M-4.11M-6.71M-3.65M13.18M-16.27M501K-44.03M-32.55M
Net Change in Cash
47.66M▲ 0%
-56.25M▼ 218.0%
45.21M▲ 180.4%
43.55M▼ 3.7%
-5.07M▼ 111.6%
355.57M▲ 7116.0%
-58.29M▼ 116.4%
-76.3M▼ 30.9%
11.35M▲ 114.9%
-50.37M▲ 0%
Exchange Rate Effect
-10.53M-2.86M-7.14M-4.88M-9.36M-1.83M1.52M-355K33.67M-364.76M
Cash at Beginning
63.01M152.77M99.38M151.73M200.15M204.45M550.85M492.56M416.26M30.78M
Cash at End
110.67M96.52M144.59M195.28M195.09M550.85M492.56M416.26M30.78M377.59M
Free Cash Flow
44.03M▲ 0%
53.98M▲ 22.6%
15.22M▼ 71.8%
133.47M▲ 776.8%
201.55M▲ 51.0%
452.35M▲ 124.4%
57.42M▼ 87.3%
236.72M▲ 312.3%
168.22M▼ 28.9%
194.32M▲ 0%
FCF Growth %
49.34%22.58%-71.8%776.8%51%124.43%-87.31%312.25%-28.94%38.44%
FCF Margin %
7.59%8.62%1.99%16.47%16.79%32.36%3.48%11.59%34470.9%18.5%
FCF per Share
1.181.550.443.945.9812.731.536.244.485.14

TIPT Key Ratios

Tiptree Inc. (TIPT) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201720182019202020212022202320242025TTM
Combined Ratio
102.38%103.16%96.19%104.79%94.56%96.14%94.96%92.69%8073.57%-40.45%
Medical Cost Ratio
0%24.3%22.31%29.24%27.24%32.38%36.49%41.18%6935.25%-16.06%
Return on Equity (ROE)
0.92%6.01%4.53%-7.43%9.86%-1.77%2.51%8.65%4.96%5.87%
Return on Assets (ROA)
0.15%1.24%0.9%-1.12%1.16%-0.22%0.3%0.99%0.56%0.66%
Equity / Assets
19.94%21.41%18.72%12.47%11.12%13.21%11.22%11.53%11%10.77%
Book Value / Share
10.6411.511.911.0311.8815.0215.3317.3220.0319.86
Debt / Equity
0.87x0.89x0.90x0.97x1.06x0.56x0.77x0.57x0.11x0.02x
Revenue Growth
14.49%7.94%22.26%5.9%48.16%16.43%17.98%23.88%-99.98%-48.55%
Related:TIPT Dividend History·TIPT Revenue History·TIPT Price History·TIPT P/E History·TIPT Financial Ratios·TIPT Institutional Holders

TIPT SEC Filings & Documents

Tiptree Inc. (TIPT) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 30, 2026·SEC

Material company update

Apr 29, 2026·SEC

Material company update

Mar 6, 2026·SEC

10-K Annual Reports

4
FY 2026

Mar 9, 2026·SEC

FY 2025

Mar 3, 2025·SEC

FY 2024

Feb 29, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

Apr 30, 2026·SEC

FY 2025

Oct 31, 2025·SEC

FY 2025

Jul 30, 2025·SEC

TIPT Frequently Asked Questions

Tiptree Inc. (TIPT) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Tiptree Inc. (TIPT) saw revenue decline by 100.0% over the past year.

Yes, Tiptree Inc. (TIPT) is profitable, generating $43.5M in net income for fiscal year 2025 (7157.2% net margin).

Dividend & Returns

Yes, Tiptree Inc. (TIPT) pays a dividend with a yield of 1.38%. This makes it attractive for income-focused investors.

Tiptree Inc. (TIPT) has a return on equity (ROE) of 5.0%. This is below average, suggesting room for improvement.

Industry Metrics

Tiptree Inc. (TIPT) has a combined ratio of 8073.6%. A ratio above 100% means claims and expenses exceed premiums.

What if you invested $1,000 in TIPT back in 2007?

Total return calculator · dividends reinvested · 19+ years of data

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How much would $100/month in TIPT be worth today?

Dollar cost averaging calculator · DCA vs lump sum

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