📊 TIPT Key Takeaways
Is Tiptree Inc.. (TIPT) a Good Investment?
TipTree exhibits severe operational distress with 67.9% revenue collapse, negative operating income of -46.7M, and negative interest coverage (-1.5x), indicating inability to service debt from operations. While the company maintains adequate liquidity (1.88x current ratio) and low leverage (0.13x D/E), these defensive metrics cannot offset the fundamental deterioration in core business performance and profitability.
Why Buy Tiptree Inc.. Stock? TIPT Key Strengths
- Strong liquidity position with 1.88x current ratio and 30.8M cash
- Conservative capital structure with 0.13x debt-to-equity ratio
- Positive operating cash flow of 168.2M suggests some underlying cash generation
TIPT Stock Risks: Tiptree Inc.. Investment Risks
- Catastrophic 67.9% year-over-year revenue decline indicates severe business deterioration
- Deeply negative operating income (-46.7M) and negative interest coverage (-1.5x) signal inability to cover debt service from operations
- Profitability metrics contain mathematical inconsistencies suggesting data quality issues or undisclosed structural changes
Key Metrics to Watch
- Revenue stabilization and return to growth trajectory
- Operating income improvement toward breakeven and positive territory
- Interest coverage ratio recovery above 2.0x to ensure debt sustainability
Tiptree Inc.. (TIPT) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 34,470.9% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments.
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 rating of SELL with 60% confidence, based on fundamental analysis of SEC EDGAR filings.
What are TIPT's key strengths?
Claude: Strong liquidity position with 1.88x current ratio and 30.8M cash. Conservative capital structure with 0.13x debt-to-equity ratio.
What are the risks of investing in TIPT?
Claude: Catastrophic 67.9% year-over-year revenue decline indicates severe business deterioration. Deeply negative operating income (-46.7M) and negative interest coverage (-1.5x) signal inability to cover debt service from operations.
What is TIPT's revenue and growth?
Tiptree Inc.. reported revenue of $488.0K.
Does TIPT pay dividends?
Tiptree Inc.. pays dividends, with $9.1M 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 $0.76.
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 rating reflects both perspectives for balanced insights.
Is TIPT a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Tiptree Inc.. has a SELL rating with 60% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is TIPT stock overvalued or undervalued?
Valuation metrics for TIPT: ROE of 6.9% (sector avg: 12%), net margin of 7,157.2% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy TIPT stock in 2026?
Our dual AI analysis gives Tiptree Inc.. a combined SELL rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is TIPT's free cash flow?
Tiptree Inc..'s operating cash flow is $168.2M, with capital expenditures of $0.0. FCF margin is 34,470.9%.
How does TIPT compare to other Finance stocks?
Vs Finance sector averages: Net margin 7,157.2% (avg: 25%), ROE 6.9% (avg: 12%), current ratio 1.88 (avg: 1.2).