📊 TIPT Key Takeaways
Is Tiptree Inc.. (TIPT) a Good Investment?
TIPT exhibits severe operational distress with zero reported revenue, negative operating income of -$9M, and negative operating cash flow of -$18.2M, indicating the company is burning cash. The inability to cover interest expenses from operations (interest coverage of -0.3x) combined with extremely weak returns (ROE 2.8%, ROA 0.2%) and minimal cash reserves relative to asset base represents substantial financial risk. The positive net income appears driven by non-operating items rather than core business viability.
Tiptree Inc.. Key Strengths (TIPT)
- Moderate debt-to-equity ratio of 0.13x indicates manageable leverage
- Total assets of $7.0B provide some balance sheet cushion
- Acceptable current ratio of 1.30x suggests near-term liquidity
- Recent insider activity suggests management engagement
TIPT Stock Risks: Tiptree Inc.. Investment Risks
- Zero revenue with 67.9% YoY decline represents catastrophic business contraction or data anomaly
- Negative operating cash flow of -$18.2M shows company is depleting resources
- Negative interest coverage ratio of -0.3x means operations cannot support debt service obligations
- Critically low profitability (ROE 2.8%, ROA 0.2%) indicates poor asset utilization
- Limited cash reserves ($33.4M) inadequate for $6.2B liability base
- Negative operating income despite positive net income signals dependency on non-recurring gains
Key Metrics to Watch
- Operating cash flow recovery from -$18.2M deficit
- Revenue stabilization and return to positive growth trajectory
- Interest coverage ratio improvement to positive territory
- Cash burn rate and runway given current reserves
- Operating margin trend and return to profitability
Tiptree Inc.. (TIPT) Financial Metrics & Key Ratios
💡 AI Analyst Insight
Tiptree Inc.. presents a mixed fundamental picture. Review the detailed metrics above to form your own investment thesis.
TIPT Profit Margin, ROE & Profitability Analysis
TIPT vs Finance Sector: How Tiptree Inc.. Compares
How Tiptree Inc.. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Tiptree Inc.. Stock Overvalued? TIPT Valuation Analysis 2026
Based on fundamental analysis, Tiptree Inc.. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Tiptree Inc.. Balance Sheet: TIPT Debt, Cash & Liquidity
TIPT Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Tiptree Inc..'s revenue has grown significantly by 109% over the 5-year period, indicating strong business expansion. The most recent EPS of $0.34 reflects profitable operations.
TIPT Revenue Growth, EPS Growth & YoY Performance
TIPT Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $79.3M | $6.4M | $0.13 |
| Q2 2025 | $81.8M | $12.9M | $0.31 |
| Q1 2025 | $82.4M | $5.6M | $0.13 |
| Q3 2024 | $82.8M | $2.2M | $0.04 |
| Q2 2024 | $85.8M | $4.9M | $0.13 |
| Q1 2024 | $77.2M | -$1.1M | $-0.03 |
| Q3 2023 | $79.7M | $2.2M | $0.04 |
| Q2 2023 | $77.5M | $4.9M | $0.13 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Tiptree Inc.. Dividends, Buybacks & Capital Allocation
TIPT SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Tiptree Inc.. (CIK: 0001393726)
📋 Recent SEC Filings
❓ Frequently Asked Questions about TIPT
What is the AI rating for TIPT?
Tiptree Inc.. (TIPT) has an AI grade of D with 85% confidence, based on fundamental analysis of SEC EDGAR filings.
What are TIPT's key strengths?
Claude: Moderate debt-to-equity ratio of 0.13x indicates manageable leverage. Total assets of $7.0B provide some balance sheet cushion.
What are the risks of investing in TIPT?
Claude: Zero revenue with 67.9% YoY decline represents catastrophic business contraction or data anomaly. Negative operating cash flow of -$18.2M shows company is depleting resources.
What is TIPT's revenue and growth?
Tiptree Inc.. reported revenue of $0.0.
Does TIPT pay dividends?
Tiptree Inc.. pays dividends, with $2.3M distributed to shareholders in the trailing twelve months.
Where can I find TIPT SEC filings?
Official SEC filings for Tiptree Inc.. (CIK: 0001393726) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is TIPT's EPS?
Tiptree Inc.. has a diluted EPS of $0.34.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is TIPT's fundamental grade?
Based on our AI fundamental analysis in June 2026, Tiptree Inc.. has a D grade with 85% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is TIPT stock overvalued or undervalued?
Valuation metrics for TIPT: ROE of 2.8% (sector avg: 12%), net margin of N/A (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is TIPT's AI grade for 2026?
Our dual AI analysis gives Tiptree Inc.. a combined D grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is TIPT's free cash flow?
Tiptree Inc..'s operating cash flow is $-18.2M, with capital expenditures of $0.0.
How does TIPT compare to other Finance stocks?
Vs Finance sector averages: Net margin N/A (avg: 25%), ROE 2.8% (avg: 12%), current ratio 1.30 (avg: 1.2).