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Tiptree Inc. logo

Tiptree Inc.

TIPT

NASDAQFinancial ServicesInsurance - Specialty

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Previous close

$18.12

−$0.20 · -1.09%

Aug 21, 4:00 PM ET

TIPT company overview

Historical prices · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

63

Undervalued

Momentum

49

Neutral

Sentiment

61

Bullish

Risk resilience

58

Elevated Risk

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Company profile

Company website

Tiptree Inc., operating through its various subsidiaries, specializes in the provision and management of tailored insurance solutions, primarily within the United States. The company's operations are structured around two principal business segments: Insurance and Mortgage. Within its Insurance division, Tiptree offers a range of niche commercial and personal lines coverage, including credit insurance, collateral protection, and comprehensive warranty and service contract solutions. It also provides premium financing options. While its core focus lies in insurance, the company also caters to institutional investors by providing mortgage loans, forming its Mortgage segment. Beyond these, Tiptree Inc. further diversifies its portfolio through maritime shipping operations and strategic equity investments. Its diverse product portfolio is distributed via an extensive network comprising independent insurance agents, consumer finance entities, automotive dealerships, various retailers, brokers, and managing general agencies. Established in 2007, the company, originally known as Tiptree Financial Inc., adopted its current name, Tiptree Inc., in December 2016. Its corporate headquarters are located in New York, New York.

Industry
Insurance - Specialty
Sector
Financial Services
Headquarters
US
CEO
Michael Gene Barnes
Listed since
Oct 15, 2010
Employees
27

Market position

Day range

Current $18.12

52-week range

Current $18.12

Open
$18.365
Previous close
$18.32
Volume
194.4K
0.74× average
Average volume
263.09K
Average daily volume
Market cap
674.78M USD
Beta
0.93
Market reference 1
50-day average
$17.891
+1.28% above average
200-day average
$17.5877
+3.03% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
736.17M USD
P/E (TTM)
-151×
P/B (TTM)
0.75×
P/S (TTM)
-0.67×
EV / EBITDA
-15.53×
Earnings yield
5.09%
Free cash flow yield
24.51%
Dividend yield
1.32%

Profitability & efficiency

Gross margin
57.60%
Operating margin
13.80%
Net margin
-40.90%
Return on equity
6.87%
Return on assets
0.51%
Return on invested capital
-0.60%

Financial health

Debt / equity
0.01×
Current ratio
0.44×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends8830%2138%-4555%-11248%Gross margin, FY2021: 72.76%Gross margin, FY2022: 67.62%Gross margin, FY2023: 63.51%Gross margin, FY2024: 58.82%Gross margin, FY2025: 100.00%Operating margin, FY2021: 5.44%Operating margin, FY2022: 3.86%Operating margin, FY2023: 5.04%Operating margin, FY2024: 7.31%Operating margin, FY2025: -9574.59%Net margin, FY2021: 3.18%Net margin, FY2022: -0.59%Net margin, FY2023: 0.85%Net margin, FY2024: 2.61%Net margin, FY2025: 7157.17%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 72.76%. Gross margin FY2022 67.62%. Gross margin FY2023 63.51%. Gross margin FY2024 58.82%. Gross margin FY2025 100.00%. Operating margin FY2021 5.44%. Operating margin FY2022 3.86%. Operating margin FY2023 5.04%. Operating margin FY2024 7.31%. Operating margin FY2025 -9574.59%. Net margin FY2021 3.18%. Net margin FY2022 -0.59%. Net margin FY2023 0.85%. Net margin FY2024 2.61%. Net margin FY2025 7157.17%.

Income trends

Revenue

488K USD-99.98%

Operating income

−46.72M USD−196.04M USD

Net income

34.93M USD-34.55%
Income trends across reported periods2.25B USD1.42B USD580.15M USD−255.68M USDRevenue, FY2021: 1.2B USDRevenue, FY2022: 1.4B USDRevenue, FY2023: 1.65B USDRevenue, FY2024: 2.04B USDRevenue, FY2025: 488K USDOperating income, FY2021: 65.34M USDOperating income, FY2022: 54.01M USDOperating income, FY2023: 83.05M USDOperating income, FY2024: 149.32M USDOperating income, FY2025: −46.72M USDNet income, FY2021: 38.13M USDNet income, FY2022: −8.27M USDNet income, FY2023: 13.95M USDNet income, FY2024: 53.37M USDNet income, FY2025: 34.93M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 1.2B USD. Revenue FY2022 1.4B USD. Revenue FY2023 1.65B USD. Revenue FY2024 2.04B USD. Revenue FY2025 488K USD. Operating income FY2021 65.34M USD. Operating income FY2022 54.01M USD. Operating income FY2023 83.05M USD. Operating income FY2024 149.32M USD. Operating income FY2025 −46.72M USD. Net income FY2021 38.13M USD. Net income FY2022 −8.27M USD. Net income FY2023 13.95M USD. Net income FY2024 53.37M USD. Net income FY2025 34.93M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue488K USD2.04B USD1.65B USD1.4B USD1.2B USD
Cost of goods sold—841.21M USD601.79M USD452.61M USD327.01M USD
Gross profit488K USD1.2B USD1.05B USD945.15M USD873.5M USD
Selling, general, and administrative33.84M USD293.78M USD261.32M USD253.12M USD288.27M USD
Operating expenses47.21M USD1.05B USD964.18M USD891.14M USD808.16M USD
Interest income—62.49M USD52.35M USD36.46M USD35.88M USD
Interest expense—32.25M USD27.69M USD30.24M USD37.67M USD
Depreciation and amortization1.45M USD21.65M USD23.47M USD22.97M USD24.44M USD
Operating income−46.72M USD149.32M USD83.05M USD54.01M USD65.34M USD
Net income34.93M USD53.37M USD13.95M USD−8.27M USD38.13M USD

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
-0.17

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates0.790.420.04-0.33Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Oct 30, 2024: actual 0.71, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Feb 26, 2025: actual 0.67, estimate —, surprise —, Comparison unavailable. Q2 2025, reported Apr 30, 2025: actual 0.59, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 30, 2025: actual 0.58, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Oct 31, 2025: actual 0.71, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Mar 6, 2026: actual -0.25, estimate —, surprise —, Comparison unavailable. Q2 2026, reported Apr 30, 2026: actual -0.19, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Jul 29, 2026: actual -0.17, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates571.06M366.58M162.1M-42.38MQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Oct 30, 2024: actual 494.36M USD, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Feb 26, 2025: actual 503.6M USD, estimate —, surprise —, Comparison unavailable. Q2 2025, reported Apr 30, 2025: actual 496.7M USD, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 30, 2025: actual 528.75M USD, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Oct 31, 2025: actual 523.4M USD, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Mar 6, 2026: actual -72K USD, estimate —, surprise —, Comparison unavailable. Q2 2026, reported Apr 30, 2026: actual 7.47M USD, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Jul 29, 2026: actual 3.92M USD, estimate —, surprise —, Comparison unavailable.

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ETFs holding TIPT

Funds reporting this stock among their holdings, ordered by reported position size.

Gabelli Financial Services Opportunities ETF logoGabelli Financial Services Opportunities ETFGABF
Market value
179.89M
Weight
3.58%
AUM
50.2M USD
Expense ratio
0.90%
Price / 1D
$46.29+0.77%
Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
12.55M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
12.35M
Weight
0.02%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
Dimensional - US Targeted Value ETF logoDimensional - US Targeted Value ETFDFAT
Market value
4.81M
Weight
0.03%
AUM
14.66B USD
Expense ratio
0.28%
Price / 1D
$71.67+0.67%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
4.74M
Weight
0.00%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
iShares Russell 2000 Value ETF logoiShares Russell 2000 Value ETFIWN
Market value
4.32M
Weight
0.03%
AUM
14.66B USD
Expense ratio
0.24%
Price / 1D
$224.81+0.45%
U.S. Micro Cap Portfolio ETF logoU.S. Micro Cap Portfolio ETFDFMC
Market value
3.95M
Weight
0.05%
AUM
8.06B USD
Expense ratio
0.43%
Price / 1D
$60.95+0.73%
EA Bridgeway Omni Small-Cap Value ETF logoEA Bridgeway Omni Small-Cap Value ETFBSVO
Market value
2.41M
Weight
0.10%
AUM
1.71B USD
Expense ratio
0.47%
Price / 1D
$29.62+0.85%

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