What is Tiptree Inc's earnings per share (EPS)?

Tiptree Inc (TIPT) reported diluted earnings per share of $0.76 for fiscal year 2025. This represents a -43.3% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Tiptree Inc (TIPT) Financials

TIPT

FY2025 annual

Revenue $488K -99.9% YoY

Net Income $34.9M -34.6% YoY

EPS (Diluted) $0.76 -43.3% YoY

Free Cash Flow $168.2M -30.1% YoY

Market Cap $692.3M as of Sep 3, 2026

Price / Sales n/m outside the range published as a multiple, on $488K revenue, FY2025

Price / Earnings 19.8x on $34.9M net income, FY2025

Price / Book 1.4x on $504.3M equity, Q1 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 3, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q1 FY2026, ended Mar 31, 2026 Reported Apr 30, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q1 FY2026, filed Apr 30, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the TIPT SEC filings page.

Tiptree Inc (TIPT) reported $488K in revenue for fiscal year 2025, down 99.9% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI TIPT FY2025 2026-08-30

Tiptree’s earnings are driven less by operating profitability than by non-operating results and a changing balance-sheet structure.

Operating losses and positive net income appeared together in both FY2024 and FY2025, so the bottom line is not a clean measure of the businesses’ recurring operating performance. The repeated gap points to gains or losses below operating income materially shaping reported earnings.

At FY2025, $6.8B of assets produced only 0.5% ROA, indicating that the company’s economic scale is concentrated in a large balance sheet rather than in high returns on its asset base. Asset intensity limits what net income alone reveals about operating efficiency.

Operating cash flow of $168M nearly matched free cash flow because reported capital expenditures were $0; reinvestment is occurring through investing activity rather than conventional capex. That makes investing cash flows more important than depreciation or equipment spending when evaluating how cash is deployed.

Financial Health Signals

Financial health score not available

Tiptree Inc does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Altman Z-Score Distress

0.08

Tiptree Inc scores 0.08, below the 1.81 distress threshold. The score is driven primarily by a large market capitalization ($692.3M) relative to total liabilities ($6.1B). This indicates elevated financial distress risk and warrants close attention to liquidity and debt levels.

Distress-screening estimate for non-financial companies. Not computed for banks or insurers, where the Altman model does not apply.

Piotroski F-Score Partial

3/7

Tiptree Inc passes 3 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Cash-Backed

4.82x

For every $1 of reported earnings, Tiptree Inc generates $4.82 in operating cash flow ($168.2M OCF vs $34.9M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

YoY-100.0%

Tiptree Inc generated $0 in revenue in Q1 2026. This represents a decrease of 100.0% from the same quarter a year earlier.

EBITDA

-$8.6M

YoY+29.3%

Tiptree Inc's EBITDA was -$8.6M in Q1 2026, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 29.3% from the same quarter a year earlier.

Net Income

$14.2M

YoY+152.8%

Tiptree Inc reported $14.2M in net income in Q1 2026. This represents an increase of 152.8% from the same quarter a year earlier.

EPS (Diluted)

$0.34

YoY+161.5%

QoQ+325.0%

5Y CAGR-15.9%

Tiptree Inc earned $0.34 per diluted share (EPS) in Q1 2026. This represents an increase of 161.5% from the same quarter a year earlier. Against the prior quarter it is up 325.0%.

Cash & Balance Sheet

Cash & Debt

$33.4M

YoY-90.2%

QoQ+8.5%

5Y CAGR-23.1%

10Y CAGR-2.5%

Tiptree Inc held $33.4M in cash against $64.1M in long-term debt as of Q1 2026.

Dividends Per Share

$0.06

YoY0.0%

QoQ0.0%

5Y CAGR+8.4%

Tiptree Inc paid $0.06 per share in dividends in Q1 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

38M

YoY+0.2%

QoQ-0.8%

5Y CAGR+2.8%

Tiptree Inc had 38M shares outstanding in Q1 2026. This represents an increase of 0.2% from the same quarter a year earlier. Against the prior quarter it is down 0.8%.

Free Cash Flow

Not reported for Q1 2026.

Margins & Returns

Return on Equity

2.8%

YoY+1.6pp

Tiptree Inc's ROE was 2.8% in Q1 2026, measuring profit generated per dollar of shareholder equity. This is up 1.6 percentage points from the same quarter a year earlier.

Gross Margin

Not reported for Q1 2026.

Operating Margin

Not reported for Q1 2026.

Net Margin

Not reported for Q1 2026.

Capital Allocation

None of these metrics is reported for Q1 2026.

TIPT Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

TIPT quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	N/A	$488K-99.9%	$341.5M0.0%	$341.4M-75.6%	$1.4B+16.4%	$1.2B+48.2%	$810.3M+4.9%	$772.7M+23.5%	$625.8M+7.6%	$581.8M+14.9%	$506.4M+29.1%	$392.3M+388.5%	$80.3M+238.3%	$23.7M-66.2%	$70.2M	N/A
SG&A Expenses	N/A	$33.8M-20.5%	$42.6M+11.8%	$38.1M+45.3%	$26.2M-28.5%	$36.7M+64.4%	$22.3M+20.1%	$18.6M+14.5%	$16.2M+9.6%	$14.8M+1.6%	$14.6M+12.8%	$12.9M+233.5%	$3.9M-76.9%	$16.7M+252.0%	$4.8M+31.8%	$3.6M
Operating Income	N/A	-$46.7M-16.0%	-$40.3M+7.3%	-$43.5M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
EBITDA	N/A	-$45.3M-16.6%	-$38.8M+7.6%	-$42.0M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	N/A	N/A	$32.2M+16.5%	$27.7M-8.4%	$30.2M-19.7%	$37.7M+15.6%	$32.6M+20.4%	$27.1M+0.2%	$27.0M+5.7%	$25.6M+21.7%	$21.0M+25.8%	$16.7M+33.1%	$12.5M+157.8%	$4.9M-39.9%	$8.1M	N/A
Income Tax	N/A	-$5.7M+8.5%	-$6.2M-31.0%	-$4.7M-109.4%	$50.5M+137.0%	$21.3M+256.2%	-$13.6M-251.1%	$9.0M+252.6%	-$5.9M+53.0%	-$12.6M-200.4%	$12.5M+1762.0%	-$753K-118.2%	$4.1M+639.5%	$560K+274.5%	-$321K	N/A
Net Income	N/A	$34.9M-34.6%	$53.4M+282.5%	$14.0M+268.6%	-$8.3M-121.7%	$38.1M+230.8%	-$29.2M-258.8%	$18.4M-23.3%	$23.9M+564.1%	$3.6M-85.8%	$25.3M+338.1%	$5.8M+438.0%	-$1.7M-116.5%	$10.4M+19.1%	$8.7M-47.2%	$16.5M
EPS (Basic)	N/A	$0.93-35.4%	$1.44+278.9%	$0.38+265.2%	-$0.23-120.4%	$1.13+231.4%	-$0.86-265.4%	$0.52-24.6%	$0.69	N/A	N/A	N/A	-$0.10-109.9%	$1.01+18.8%	$0.85-47.9%	$1.63
EPS (Diluted)	$0.92	$0.76-43.3%	$1.34+294.1%	$0.34+247.8%	-$0.23-121.1%	$1.09+226.7%	-$0.86-272.0%	$0.50-27.5%	$0.69	N/A	N/A	N/A	-$0.10	$1.01+18.8%	$0.85-46.9%	$1.60
Diluted Shares (Avg)	N/A	38M+1.9%	37M+0.5%	37M+3.3%	36M+5.5%	34M-0.5%	34M-2.1%	35M-0.4%	35M	N/A	N/A	33M+98.0%	17M	10M-0.3%	10M-0.2%	10M

Metric	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q	Q2'2410-Q
Revenue	$0-100.0%	N/A	$540.3M+9.3%	$528.8M-3.3%	$82.4M-83.5%	N/A	$494.4M+18.7%	$546.7M+35.1%
SG&A Expenses	$6.8M-36.0%	N/A	$11.5M+4.7%	$12.6M+21.9%	$10.6M+0.4%	N/A	$11.0M+17.2%	$10.3M+3.5%
Operating Income	-$9.0M+28.5%	N/A	N/A	N/A	-$12.6M	N/A	N/A	N/A
EBITDA	-$8.6M+29.3%	N/A	N/A	N/A	-$12.2M	N/A	N/A	N/A
Interest Expense	N/A	N/A	$10.7M+40.4%	$10.9M+35.5%	$10.4M+25.0%	N/A	$7.6M+13.4%	$8.0M+13.8%
Income Tax	-$1.2M+28.2%	N/A	$22.7M+39.0%	$21.6M+15.7%	-$1.6M-111.6%	N/A	$16.3M+32.9%	$18.7M+57.9%
Net Income	$14.2M+152.8%	N/A	$6.4M-46.1%	$19.0M+47.5%	$5.6M-37.7%	N/A	$11.9M+453.4%	$12.9M+114.6%
EPS (Basic)	$0.38+153.3%	$0.11-79.2%	$0.17-46.9%	$0.50+42.9%	$0.15-37.5%	$0.53+178.9%	$0.32+433.3%	$0.35+118.7%
EPS (Diluted)	$0.34+161.5%	$0.08-83.0%	$0.13-55.2%	$0.37+19.4%	$0.13-40.9%	$0.47+213.3%	$0.29+625.0%	$0.31+93.8%
Diluted Shares (Avg)	38M+1.2%	N/A	39M+2.0%	39M+2.3%	37M-1.1%	N/A	38M+0.4%	38M+0.4%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses.

TIPT Balance Sheet

TIPT quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$6.8B+20.1%	$5.7B+10.8%	$5.1B+27.2%	$4.0B+12.2%	$3.6B+20.1%	$3.0B+36.3%	$2.2B+17.9%	$1.9B-6.3%	$2.0B-31.2%	$2.9B+15.8%	$2.5B-69.6%	$8.2B+19.4%	$6.9B+24.2%	$5.5B+2749.3%	$194.2M
Current Assets	$54.8M+43.7%	$38.2M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$30.8M+58.4%	$19.4M-95.9%	$468.7M-12.9%	$538.1M+206.2%	$175.7M+28.3%	$136.9M+2.9%	$133.1M+54.8%	$86.0M-22.3%	$110.7M+122.3%	$49.8M-17.9%	$60.7M+16.6%	$52.1M-46.7%	$97.6M+10.3%	$88.6M-8.7%	$97.0M
Short-Term Investments	$21.7M+44.4%	$15.0M	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$2.4M+36.3%	$1.8M	N/A	N/A	N/A
Accounts Receivable	N/A	$138.2M+3.0%	$134.1M+10.5%	$121.4M-11.4%	$137.1M+43.9%	$95.3M+87.9%	$50.7M-0.3%	$50.9M-15.1%	$59.9M+33.1%	$45.0M-21.1%	$57.1M+43.8%	$39.7M	$0	N/A	N/A
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	N/A	$206.7M+0.3%	$206.2M+10.5%	$186.6M+4.2%	$179.1M-0.1%	$179.2M+80.8%	$99.1M+8.3%	$91.6M0.0%	$91.6M-1.3%	$92.8M0.0%	$92.8M+1.1%	$91.8M+7508.5%	$1.2M-60.9%	$3.1M	N/A
Total Liabilities	$6.1B+20.8%	$5.0B+10.4%	$4.6B+30.1%	$3.5B+9.6%	$3.2B+22.0%	$2.6B+46.7%	$1.8B+21.9%	$1.5B-8.0%	$1.6B-36.3%	$2.5B+19.2%	$2.1B-73.1%	$7.8B+20.5%	$6.5B+29.6%	$5.0B+4866.6%	$100.6M
Current Liabilities	$29.1M+86.9%	$15.6M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Non-Current Liabilities	$6.1B+20.6%	$5.0B	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$63.9M	N/A	$402.4M+55.2%	$259.4M-34.1%	$393.3M+7.4%	$366.2M-2.2%	$374.5M+5.8%	$354.1M+2.3%	$346.1M-37.6%	$554.9M-16.8%	$667.0M+84.1%	$362.2M+52.2%	$238.0M+151.1%	$94.8M	N/A
Total Equity	$508.6M+11.1%	$457.7M+9.8%	$416.9M+4.9%	$397.4M+3.8%	$383.0M+7.5%	$356.1M-10.5%	$398.1M+2.8%	$387.1M+29.0%	$300.1M+2.3%	$293.4M-6.2%	$312.8M+10.0%	$284.5M+187.4%	$99.0M-8.7%	$108.4M+15.8%	$93.6M
Retained Earnings	$121.6M+27.0%	$95.7M+57.8%	$60.7M+12.1%	$54.1M-20.6%	$68.1M+92.4%	$35.4M-49.5%	$70.2M+22.6%	$57.2M+50.3%	$38.1M+0.3%	$38.0M+139.7%	$15.8M+18.4%	$13.4M-11.3%	$15.1M+26.9%	$11.9M+19.5%	$10.0M

Metric	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q	Q2'2410-Q
Total Assets	$7.0B+19.7%	$6.8B+20.1%	$6.4B+16.5%	$6.1B+15.9%	$5.8B+12.1%	$5.7B+10.8%	$5.5B+14.1%	$5.3B+14.5%
Current Assets	$36.3M	$54.8M+43.7%	N/A	N/A	N/A	$38.2M	N/A	N/A
Cash & Equivalents	$33.4M-90.2%	$30.8M+58.4%	$366.1M-7.6%	$383.8M-22.8%	$342.3M-27.9%	$19.4M-95.9%	$396.2M-23.0%	$497.3M+33.5%
Short-Term Investments	$581K	$21.7M+44.4%	$0	$0	$0	$15.0M	$0	$0
Accounts Receivable	N/A	N/A	$109.5M-21.2%	$116.0M-20.4%	$117.2M-14.5%	$138.2M+3.0%	$138.9M+5.5%	$145.6M+9.2%
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	N/A	N/A	$207.8M-0.4%	$207.7M+0.8%	$206.5M+0.3%	$206.7M+0.3%	$208.6M+1.7%	$206.0M+0.1%
Total Liabilities	$6.2B+21.0%	$6.1B+20.8%	$5.7B+17.0%	$5.4B+15.7%	$5.1B+11.9%	$5.0B+10.4%	$4.8B+13.2%	$4.7B+14.6%
Current Liabilities	$27.9M	$29.1M+86.9%	N/A	N/A	N/A	$15.6M	N/A	N/A
Non-Current Liabilities	$6.2B	$6.1B+20.6%	N/A	N/A	N/A	$5.0B	N/A	N/A
Long-Term Debt	$64.1M-87.1%	$63.9M	$507.6M+30.6%	$493.0M+27.3%	$495.3M+22.1%	N/A	$388.5M+20.0%	$387.3M+7.2%
Total Equity	$504.3M+6.5%	$508.6M+11.1%	$505.2M+9.4%	$499.8M+14.5%	$473.7M+11.5%	$457.7M+9.8%	$461.9M+16.6%	$436.4M+8.6%
Retained Earnings	$133.6M+34.8%	$121.6M+27.0%	$119.9M+36.6%	$115.8M+48.2%	$99.1M+46.8%	$95.7M+57.8%	$87.8M+57.8%	$78.1M+41.2%

Not reported in any period shown, so not listed: Inventory.

TIPT Cash Flow Statement

TIPT quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$183.4M	$168.2M-30.1%	$240.8M+236.9%	$71.5M-84.6%	$463.1M+126.6%	$204.3M+45.8%	$140.2M+490.4%	$23.7M-58.9%	$57.7M+23.0%	$46.9M+28.0%	$36.6M+487.6%	-$9.5M-140.0%	$23.6M+879.5%	-$3.0M-108.3%	$36.7M+368.5%	$7.8M
Depreciation & Amortization	N/A	$1.4M-0.2%	$1.5M+1.8%	$1.4M-93.8%	$23.0M-6.0%	$24.4M+39.0%	$17.6M+29.5%	$13.6M+7.7%	$12.6M-58.0%	$30.0M+5.1%	$28.5M-38.9%	$46.7M+291.2%	$11.9M+215.8%	$3.8M+69.0%	$2.2M-38.0%	$3.6M
Stock-Based Compensation	N/A	$11.3M+30.6%	$8.7M+39.3%	$6.2M-35.8%	$9.7M-12.8%	$11.1M+37.1%	$8.1M+27.6%	$6.4M-4.4%	$6.7M-2.5%	$6.8M+145.7%	$2.8M+527.1%	$443K-40.8%	$748K-70.8%	$2.6M+601.1%	$365K+406.9%	$72K
Capital Expenditures	N/A	$0-100.0%	$33K-99.2%	$4.1M-61.8%	$10.7M+288.1%	$2.8M-58.7%	$6.7M-21.4%	$8.5M+127.2%	$3.7M+114.6%	$1.7M+18.0%	$1.5M-63.6%	$4.1M+1559.6%	$245K+1784.6%	$13K	$0	N/A
Free Cash Flow	N/A	$168.2M-30.1%	$240.7M+257.4%	$67.4M-85.1%	$452.3M+124.4%	$201.6M+51.0%	$133.5M+776.8%	$15.2M-71.8%	$54.0M+19.5%	$45.2M+28.5%	$35.2M+360.1%	-$13.5M-157.8%	$23.4M+868.1%	-$3.0M-108.3%	$36.7M	N/A
Investing Cash Flow	-$201.7M	-$202.0M+37.5%	-$323.0M-32.0%	-$244.7M-2671.7%	$9.5M+103.5%	-$273.8M-121.7%	-$123.5M-1383.0%	-$8.3M+92.4%	-$109.1M-151.3%	$212.8M+167.7%	-$314.3M-44.3%	-$217.8M+61.8%	-$569.7M+17.3%	-$689.2M-377.9%	-$144.2M-592.6%	$29.3M
Financing Cash Flow	-$33.9M	$11.5M+82.6%	$6.3M-94.5%	$113.4M+198.5%	-$115.2M-256.2%	$73.7M+132.2%	$31.7M-14.0%	$36.9M+1943.6%	-$2.0M+99.0%	-$194.4M-170.2%	$277.0M+13.7%	$243.7M-51.9%	$506.8M-30.0%	$724.2M+110.9%	$343.5M+3278.9%	$10.2M
Dividends Paid	$9.1M	$9.1M-50.5%	$18.3M+147.4%	$7.4M+267.1%	$2.0M-62.7%	$5.4M-2.8%	$5.6M+1.2%	$5.5M+15.1%	$4.8M+36.6%	$3.5M+9.7%	$3.2M-3.7%	$3.3M	$0-100.0%	$366K-34.1%	$555K-86.5%	$4.1M
Share Buybacks	N/A	N/A	$0	$0-100.0%	$1.7M-78.8%	$8.1M-41.4%	$13.9M+52.9%	$9.1M-35.6%	$14.1M+93.3%	$7.3M-83.3%	$43.8M+998.8%	$4.0M+10110.3%	$39K	$0-100.0%	$2K	N/A

Metric	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q	Q2'2410-Q
Operating Cash Flow	-$18.2M+45.5%	$44.9M-35.9%	$135.4M+121.2%	$21.3M-54.7%	-$33.3M-153.1%	$70.0M+416.3%	$61.2M+7.0%	$46.9M+802.0%
Depreciation & Amortization	$356K-0.3%	-$13.6M+8.0%	$5.3M-2.5%	$4.9M-6.9%	$357K-93.6%	-$14.8M+7.8%	$5.4M-15.0%	$5.3M-9.9%
Stock-Based Compensation	$1.5M-78.8%	N/A	N/A	N/A	$6.9M+78.8%	N/A	N/A	N/A
Capital Expenditures	N/A	-$4.4M+98.5%	$2.1M+282.8%	$1.2M+30.8%	$1.1M+42.4%	-$2.2M-73.9%	$536K-41.9%	$906K-86.3%
Free Cash Flow	N/A	$40.5M-40.2%	$133.4M+119.8%	$20.1M-56.3%	-$34.4M-155.6%	$67.8M+322.0%	$60.7M+7.8%	$46.0M+445.3%
Investing Cash Flow	-$17.8M+1.7%	-$79.1M+55.2%	-$133.0M+19.3%	$28.1M+228.5%	-$18.1M-144.7%	-$176.8M-76.9%	-$164.8M-228.8%	-$21.9M+12.6%
Financing Cash Flow	$16.0M-74.0%	-$46.6M-291.9%	$3.6M+216.4%	-$6.8M+70.2%	$61.3M+668.5%	$24.3M-67.1%	-$3.1M+92.6%	-$22.9M-989.8%
Dividends Paid	$2.3M+0.2%	-$2.5M-137.1%	$3.9M+1.0%	$5.5M+38.9%	$2.3M-40.8%	$6.7M+334.0%	$3.8M+11.5%	$3.9M+15.1%

Not reported in any period shown, so not listed: Share Buybacks.

TIPT Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

TIPT quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Margin	-9574.6%	-11.8%+0.9pp	-12.7%	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	7157.2%	15.6%+11.5pp	4.1%+4.7pp	-0.6%-3.8pp	3.2%+6.8pp	-3.6%-6.0pp	2.4%-1.4pp	3.8%+3.2pp	0.6%-4.4pp	5.0%+3.5pp	1.5%+3.6pp	-2.1%-45.9pp	43.8%+31.3pp	12.4%	N/A
Return on Equity	6.9%-4.8pp	11.7%+8.3pp	3.4%+5.4pp	-2.1%-12.0pp	10.0%+18.1pp	-8.2%-12.8pp	4.6%-1.6pp	6.2%+5.0pp	1.2%-7.4pp	8.6%+6.8pp	1.8%+2.5pp	-0.6%-11.1pp	10.5%+2.4pp	8.1%-9.6pp	17.7%
Return on Assets	0.5%-0.4pp	0.9%+0.7pp	0.3%+0.5pp	-0.2%-1.3pp	1.1%+2.0pp	-1.0%-1.8pp	0.8%-0.4pp	1.3%+1.1pp	0.2%-0.7pp	0.9%+0.7pp	0.2%+0.3pp	0.0%-0.2pp	0.1%0.0pp	0.2%-8.3pp	8.5%
Current Ratio	1.88-0.6x	2.45	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.13-10.9x	11.01+10.0x	0.97+0.3x	0.65-0.4x	1.030.0x	1.03+0.1x	0.940.0x	0.91-0.2x	1.15-0.7x	1.89-0.2x	2.13+0.9x	1.27-1.1x	2.40+1.5x	0.87-0.2x	1.08
Asset Turnover	0.00-0.1x	0.060.0x	0.07-0.3x	0.350.0x	0.33+0.1x	0.27-0.1x	0.350.0x	0.340.0x	0.29+0.1x	0.180.0x	0.16+0.1x	0.010.0x	0.000.0x	0.01	N/A
FCF Margin	34470.9%	70.5%+50.8pp	19.7%-12.6pp	32.4%+15.6pp	16.8%+0.3pp	16.5%+14.5pp	2.0%-6.7pp	8.6%+0.9pp	7.8%+0.8pp	6.9%+10.4pp	-3.5%-32.6pp	29.1%+42.0pp	-12.8%-65.1pp	52.3%	N/A

Metric	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q	Q2'2410-Q
Operating Margin	N/A	N/A	N/A	N/A	-15.3%	N/A	N/A	N/A
Net Margin	N/A	N/A	1.2%-1.2pp	3.6%+1.2pp	6.8%+5.0pp	N/A	2.4%+1.9pp	2.4%+0.9pp
Return on Equity	2.8%+1.6pp	N/A	1.3%-1.3pp	3.8%+0.9pp	1.2%-0.9pp	N/A	2.6%+2.0pp	2.9%+1.4pp
Return on Assets	0.2%+0.1pp	N/A	0.1%-0.1pp	0.3%+0.1pp	0.1%-0.1pp	N/A	0.2%+0.2pp	0.2%+0.1pp
Current Ratio	1.30	1.88-0.6x	N/A	N/A	N/A	2.45	N/A	N/A
Debt-to-Equity	0.13-0.9x	0.13-10.9x	1.00+0.2x	0.99+0.1x	1.05+0.1x	11.01+10.0x	0.840.0x	0.890.0x
Asset Turnover	0.000.0x	N/A	0.080.0x	0.090.0x	0.01-0.1x	N/A	0.090.0x	0.100.0x
FCF Margin	N/A	N/A	24.7%+12.4pp	3.8%-4.6pp	-41.8%-54.2pp	N/A	12.3%-1.2pp	8.4%+11.7pp

Not reported in any period shown, so not listed: Gross Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Tiptree Inc TIPT	FY2025	$488K	$34.9M	N/A	$692.3M	—
Amerisafe AMSF	FY2025	$317.3M	$47.1M	14.8%	$484.5M	53/100
Employers Hldgs Inc EIG	FY2025	$858.7M	$10.8M	1.3%	$886.2M	40/100
Investors Title Co Nc ITIC	FY2025	$272.8M	$35.2M	12.9%	$550.7M	38/100
Ambac Finl Group Inc AMBC	FY2025	$251.2M	-$259.0M	N/A	$395.6M	20/100
MBIA MBI	FY2025	$80.0M	-$177.0M	N/A	$242.8M	2/100

Where Tiptree Inc Ranks

Frequently Asked Questions

What is Tiptree Inc's annual revenue?

Tiptree Inc (TIPT) reported $488K in total revenue for fiscal year 2025. This represents a -99.9% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Tiptree Inc's revenue growing?

Tiptree Inc (TIPT) revenue declined by 99.9% year-over-year, from $341.5M to $488K in fiscal year 2025.

Is Tiptree Inc profitable?

Yes, Tiptree Inc (TIPT) reported a net income of $34.9M in fiscal year 2025.

What is Tiptree Inc's EBITDA?

Tiptree Inc (TIPT) had EBITDA of -$45.3M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

How much debt does Tiptree Inc have?

As of fiscal year 2025, Tiptree Inc (TIPT) had $30.8M in cash and equivalents against $63.9M in long-term debt.

Does Tiptree Inc pay dividends?

Yes, Tiptree Inc (TIPT) paid $0.24 per share in dividends during fiscal year 2025.

What is Tiptree Inc's return on equity (ROE)?

Tiptree Inc (TIPT) has a return on equity of 6.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Tiptree Inc's free cash flow?

Tiptree Inc (TIPT) generated $168.2M in free cash flow during fiscal year 2025. This represents a -30.1% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Tiptree Inc's operating cash flow?

Tiptree Inc (TIPT) generated $168.2M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Tiptree Inc's total assets?

Tiptree Inc (TIPT) had $6.8B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Tiptree Inc's capital expenditures?

Tiptree Inc (TIPT) reported no capital expenditure during fiscal year 2025.

How many shares does Tiptree Inc have outstanding?

Tiptree Inc (TIPT) had 38M shares outstanding as of fiscal year 2025.

What is Tiptree Inc's current ratio?

Tiptree Inc (TIPT) had a current ratio of 1.88 as of fiscal year 2025, which is generally considered healthy.

What is Tiptree Inc's debt-to-equity ratio?

Tiptree Inc (TIPT) had a debt-to-equity ratio of 0.13 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Tiptree Inc's return on assets (ROA)?

Tiptree Inc (TIPT) had a return on assets of 0.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Tiptree Inc's P/E ratio?

Tiptree Inc (TIPT) trades at 19.8x earnings, its market capitalization divided by net income of $34.9M net income, FY2025. The market capitalization is $692.3M as of Sep 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Tiptree Inc's price-to-sales ratio?

Tiptree Inc (TIPT) has no price-to-sales ratio at the moment: outside the range published as a multiple (on $488K revenue, FY2025). The market capitalization is $692.3M as of Sep 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Tiptree Inc's Altman Z-Score?

Tiptree Inc (TIPT) has an Altman Z-Score of 0.08, placing it in the Distress Zone (elevated bankruptcy risk). The Z-Score combines five financial ratios (working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets) to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.

What is Tiptree Inc's Piotroski F-Score?

Tiptree Inc (TIPT) has a Piotroski F-Score of 3 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Tiptree Inc's earnings high quality?

Tiptree Inc (TIPT) has an earnings quality ratio of 4.82x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.