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 Financials

TIPT

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Tiptree Inc (TIPT) financial statements, including the 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).

Financial Health Signals

Financial Profile 43/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Profitability

Tiptree Inc has an operating margin of -9574.6%, meaning the company retains $-9575 of operating profit per $100 of revenue. This below-average margin results in a low score of 0/100, suggesting thin profitability after operating expenses. This is down from -11.8% the prior year.

Growth

Tiptree Inc's revenue declined 99.9% year-over-year, from $341.5M to $488K. This contraction results in a growth score of 0/100.

Leverage

Tiptree Inc carries a low D/E ratio of 0.13, meaning only $0.13 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 99/100, indicating a strong balance sheet with room for future borrowing.

Liquidity

Tiptree Inc's current ratio of 1.88 indicates adequate short-term liquidity, earning a score of 34/100. The company can meet its near-term obligations, though with limited headroom.

Cash Flow

100

Tiptree Inc converts 34470.9% of revenue into free cash flow ($168.2M). This strong cash generation earns a score of 100/100.

Returns

Tiptree Inc generates a 6.9% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 26/100. This is down from 11.7% the prior year.

Piotroski F-Score Weak

3/9

Tiptree Inc passes 3 of 9 financial strength tests. 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

$488K

YoY-99.9%

5Y CAGR-77.3%

10Y CAGR-48.8%

Tiptree Inc generated $488K in revenue in fiscal year 2025. This represents a decrease of 99.9% from the prior year.

EBITDA

-$45.3M

YoY-16.6%

Tiptree Inc's EBITDA was -$45.3M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 16.6% from the prior year.

Net Income

$34.9M

YoY-34.6%

10Y CAGR+19.7%

Tiptree Inc reported $34.9M in net income in fiscal year 2025. This represents a decrease of 34.6% from the prior year.

EPS (Diluted)

$0.76

YoY-43.3%

Tiptree Inc earned $0.76 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 43.3% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$168.2M

YoY-30.1%

5Y CAGR+4.7%

Tiptree Inc generated $168.2M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 30.1% from the prior year.

Cash & Debt

$30.8M

YoY+58.4%

5Y CAGR-25.8%

10Y CAGR-6.6%

Tiptree Inc held $30.8M in cash against $63.9M in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.24

YoY-51.0%

5Y CAGR+8.4%

Tiptree Inc paid $0.24 per share in dividends in fiscal year 2025. This represents a decrease of 51.0% from the prior year.

Shares Outstanding

38M

YoY+1.5%

5Y CAGR+3.0%

Tiptree Inc had 38M shares outstanding in fiscal year 2025. This represents an increase of 1.5% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

-9574.6%

YoY-9562.8pp

Tiptree Inc's operating margin was -9574.6% in fiscal year 2025, reflecting core business profitability. This is down 9562.8 percentage points from the prior year.

Net Margin

7157.2%

YoY+7141.5pp

5Y CAGR+7160.8pp

10Y CAGR+7155.7pp

Tiptree Inc's net profit margin was 7157.2% in fiscal year 2025, showing the share of revenue converted to profit. This is up 7141.5 percentage points from the prior year.

Return on Equity

6.9%

YoY-4.8pp

5Y CAGR+15.1pp

10Y CAGR+5.0pp

Tiptree Inc's ROE was 6.9% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 4.8 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

YoY-100.0%

Tiptree Inc invested $0 in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 100.0% from the prior year.

TIPT Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$488K-99.9%	$341.5M0.0%	$341.4M-75.6%	$1.4B+16.4%	$1.2B+48.2%	$810.3M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	$42.6M+11.8%	$38.1M+45.3%	$26.2M-28.5%	$36.7M+64.4%	$22.3M
Operating Income	-$46.7M-16.0%	-$40.3M+7.3%	-$43.5M	N/A	N/A	N/A
Interest Expense	N/A	$32.2M+16.5%	$27.7M-8.4%	$30.2M-19.7%	$37.7M+15.6%	$32.6M
Income Tax	-$5.7M+8.5%	-$6.2M-31.0%	-$4.7M-109.4%	$50.5M+137.0%	$21.3M+256.2%	-$13.6M
Net Income	$34.9M-34.6%	$53.4M+282.5%	$14.0M+268.6%	-$8.3M-121.7%	$38.1M+230.8%	-$29.2M
EPS (Diluted)	$0.76-43.3%	$1.34+294.1%	$0.34+247.8%	$-0.23-121.1%	$1.09+226.7%	$-0.86

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	N/A	$540.3M+2.2%	$528.8M+6.3%	$497.4M	N/A	$494.4M-9.6%	$546.7M+9.7%	$498.2M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	$11.5M-8.3%	$12.6M+19.3%	$10.6M	N/A	$11.0M+6.7%	$10.3M-1.8%	$10.5M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	N/A	$10.7M-1.6%	$10.9M+4.8%	$10.4M	N/A	$7.6M-5.0%	$8.0M-3.3%	$8.3M
Income Tax	N/A	$22.7M+4.9%	$21.6M+74.5%	$12.4M	N/A	$16.3M-12.7%	$18.7M+35.1%	$13.8M
Net Income	N/A	$6.4M-66.1%	$19.0M+236.5%	$5.6M	N/A	$11.9M-7.3%	$12.9M+42.0%	$9.1M
EPS (Diluted)	N/A	$0.13-64.9%	$0.37+184.6%	$0.13	N/A	$0.29-6.5%	$0.31+40.9%	$0.22

TIPT Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$6.8B+20.1%	$5.7B+10.8%	$5.1B+27.2%	$4.0B+12.2%	$3.6B+20.1%	$3.0B
Current Assets	$54.8M+43.7%	$38.2M	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
Inventory	N/A	N/A	N/A	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
Goodwill	N/A	$206.7M+0.3%	$206.2M+10.5%	$186.6M+4.2%	$179.1M-0.1%	$179.2M
Total Liabilities	$6.1B+20.8%	$5.0B+10.4%	$4.6B+30.1%	$3.5B+9.6%	$3.2B+22.0%	$2.6B
Current Liabilities	$29.1M+86.9%	$15.6M	N/A	N/A	N/A	N/A
Long-Term Debt	$63.9M	$0-100.0%	$402.4M+55.2%	$259.4M-34.1%	$393.3M+7.4%	$366.2M
Total Equity	$508.6M+11.1%	$457.7M+9.8%	$416.9M+4.9%	$397.4M+3.8%	$383.0M+7.5%	$356.1M
Retained Earnings	$121.6M+27.0%	$95.7M+57.8%	$60.7M+12.1%	$54.1M-20.6%	$68.1M+92.4%	$35.4M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$6.8B+6.6%	$6.4B+4.4%	$6.1B+5.6%	$5.8B+2.2%	$5.7B+3.4%	$5.5B+3.8%	$5.3B+2.2%	$5.2B
Current Assets	$54.8M	N/A	N/A	N/A	$38.2M	N/A	N/A	N/A
Cash & Equivalents	$30.8M-91.6%	$366.1M-4.6%	$383.8M+12.1%	$342.3M+1661.0%	$19.4M-95.1%	$396.2M-20.3%	$497.3M+4.8%	$474.6M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	$109.5M-5.6%	$116.0M-1.0%	$117.2M-15.2%	$138.2M-0.5%	$138.9M-4.6%	$145.6M+6.2%	$137.1M
Goodwill	N/A	$207.8M+0.1%	$207.7M+0.6%	$206.5M-0.1%	$206.7M-0.9%	$208.6M+1.3%	$206.0M0.0%	$205.9M
Total Liabilities	$6.1B+7.3%	$5.7B+4.6%	$5.4B+5.6%	$5.1B+1.9%	$5.0B+3.9%	$4.8B+3.5%	$4.7B+2.1%	$4.6B
Current Liabilities	$29.1M	N/A	N/A	N/A	$15.6M	N/A	N/A	N/A
Long-Term Debt	$63.9M-87.4%	$507.6M+2.9%	$493.0M-0.5%	$495.3M	$0-100.0%	$388.5M+0.3%	$387.3M-4.5%	$405.8M
Total Equity	$508.6M+0.7%	$505.2M+1.1%	$499.8M+5.5%	$473.7M+3.5%	$457.7M-0.9%	$461.9M+5.8%	$436.4M+2.8%	$424.7M
Retained Earnings	$121.6M+1.4%	$119.9M+3.6%	$115.8M+16.9%	$99.1M+3.5%	$95.7M+9.0%	$87.8M+12.4%	$78.1M+15.7%	$67.5M

TIPT Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$168.2M-30.1%	$240.8M+236.9%	$71.5M-84.6%	$463.1M+126.6%	$204.3M+45.8%	$140.2M
Capital Expenditures	$0-100.0%	$33K-99.2%	$4.1M-61.8%	$10.7M+288.1%	$2.8M-58.7%	$6.7M
Free Cash Flow	$168.2M-30.1%	$240.7M+257.4%	$67.4M-85.1%	$452.3M+124.4%	$201.6M+51.0%	$133.5M
Investing Cash Flow	-$202.0M+37.5%	-$323.0M-32.0%	-$244.7M-2671.7%	$9.5M+103.5%	-$273.8M-121.7%	-$123.5M
Financing Cash Flow	$11.5M+82.6%	$6.3M-94.5%	$113.4M+198.5%	-$115.2M-256.2%	$73.7M+132.2%	$31.7M
Dividends Paid	$9.1M-50.5%	$18.3M+147.4%	$7.4M+267.1%	$2.0M-62.7%	$5.4M-2.8%	$5.6M
Share Buybacks	N/A	$0	$0-100.0%	$1.7M-78.8%	$8.1M-41.4%	$13.9M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$44.9M-66.9%	$135.4M+537.2%	$21.3M+163.8%	-$33.3M-147.6%	$70.0M+14.3%	$61.2M+30.6%	$46.9M-25.2%	$62.7M
Capital Expenditures	-$4.4M-312.4%	$2.1M+73.2%	$1.2M+5.7%	$1.1M+151.0%	-$2.2M-509.7%	$536K-40.8%	$906K+15.1%	$787K
Free Cash Flow	$40.5M-69.6%	$133.4M+564.7%	$20.1M+158.3%	-$34.4M-150.8%	$67.8M+11.7%	$60.7M+32.0%	$46.0M-25.8%	$61.9M
Investing Cash Flow	-$79.1M+40.5%	-$133.0M-572.5%	$28.1M+255.7%	-$18.1M+89.8%	-$176.8M-7.3%	-$164.8M-652.2%	-$21.9M-154.1%	$40.5M
Financing Cash Flow	-$46.6M-1407.0%	$3.6M+152.3%	-$6.8M-111.1%	$61.3M+152.6%	$24.3M+892.5%	-$3.1M+86.6%	-$22.9M-387.0%	$8.0M
Dividends Paid	-$2.5M-164.9%	$3.9M+0.5%	$3.8M-0.9%	$3.9M-42.5%	$6.7M+76.6%	$3.8M-2.7%	$3.9M+2.8%	$3.8M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

TIPT Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	-9574.6%-9562.8pp	-11.8%+0.9pp	-12.7%	N/A	N/A	N/A
Net Margin	7157.2%+7141.5pp	15.6%+11.5pp	4.1%+4.7pp	-0.6%-3.8pp	3.2%+6.8pp	-3.6%
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%
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%
Current Ratio	1.88-0.6	2.45	N/A	N/A	N/A	N/A
Debt-to-Equity	0.13+0.1	0.00-1.0	0.97+0.3	0.65-0.4	1.030.0	1.03
FCF Margin	34470.9%+34400.4pp	70.5%+50.8pp	19.7%-12.6pp	32.4%+15.6pp	16.8%+0.3pp	16.5%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	N/A	1.2%-2.4pp	3.6%+2.5pp	1.1%	N/A	2.4%+0.1pp	2.4%+0.5pp	1.8%
Return on Equity	N/A	1.3%-2.5pp	3.8%+2.6pp	1.2%	N/A	2.6%-0.4pp	2.9%+0.8pp	2.1%
Return on Assets	N/A	0.1%-0.2pp	0.3%+0.2pp	0.1%	N/A	0.2%-0.0pp	0.2%+0.1pp	0.2%
Current Ratio	1.88	N/A	N/A	N/A	2.45	N/A	N/A	N/A
Debt-to-Equity	0.13-0.9	1.00+0.0	0.99-0.1	1.05+1.0	0.00-0.8	0.84-0.0	0.89-0.1	0.96
FCF Margin	N/A	24.7%+20.9pp	3.8%+10.7pp	-6.9%	N/A	12.3%+3.9pp	8.4%-4.0pp	12.4%

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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, with a net profit margin of 7157.2%.

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.

What is Tiptree Inc's operating margin?

Tiptree Inc (TIPT) had an operating margin of -9574.6% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

What is Tiptree Inc's net profit margin?

Tiptree Inc (TIPT) had a net profit margin of 7157.2% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

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) invested $0 in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

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 Piotroski F-Score?

Tiptree Inc (TIPT) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. 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 7–9 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.

How financially healthy is Tiptree Inc?

Tiptree Inc (TIPT) scores 43 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.