How profitable is Tiptree Inc. (TIPT)?

In FY 2025 (10-K), TIPT converted $1.0M of revenue into a 52% gross margin, 0% operating margin, and $168.2M in free cash flow (16821.8% FCF margin).

Stock Ratings / Financials / TIPT / financials

DGICA (64) AII (78) ACIC (70) ROOT (60) ⌘ Pro Terminal →

Tiptree Inc. (TIPT) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$17.59 +3.23% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $17.66

Tiptree Inc. (TIPT) carries a Roarable Rating of D- (Sell) with 41/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D- • RED ALERT Cap $640.7M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is TIPT stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, Tiptree Inc. (NASDAQ: TIPT) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 41/100 at a spot price of $17.59 (+3.23% 1D, market cap $640.7M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 7/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 5/20, and Executive Insider Alignment 9/20. Across 1097 tracked Financials issuers, TIPT ranks #900 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does TIPT compare to DGICA and AII in the Financials sector?

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Within the Financials sector (Property-Casualty Insurers), TIPT carries a Roarable D- (41/100 RQD), trailing P/E of 18.0x, gross margin of —, and ROIC of -6.8%. By comparison, DGICA (Donegal Group Inc. (Class A)) holds a C grade (64/100 RQD, P/E 8.8x, ROIC 12.4%, cap $696.0M) and AII (American Integrity Insurance Group Inc.) posts a B+ grade (78/100 RQD, P/E 5.6x, ROIC 29.6%, cap $578.1M). Among the 5-stock peer group, ACIC leads on earnings multiple (4.8x) while ACIC leads on capital efficiency (85.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for TIPT?

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Per TIPT's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001393726), Tiptree Inc. generated $488.0K in revenue (-99.9% YoY), $34.9M in net income, and $168.2M in free cash flow against $6.84B in total assets and $63.9M in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $17.66 (+0.39%)🧬 Disciplined Float (-0.40% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 16821.8% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record Warning: Scores below 50 (41/100 · D-) historically underperformed SPY in 71% of rolling 90-day windows (-7.2% avg 90D alpha vs SPY • 29.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERRED ALERT • D-

3-of-3 Quant Analysts Bearish Warning

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D- · Rk D-

Each axis scored 0–20

12M PRICE TARGET CONE-7.7% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for TIPT)Realized 20D OHLCV Swing Band: ±4.6%

Deterministic 5-Pillar Attribution (41/100 Composite)

🔍 WHY TIPT SCORES 41/100 (D-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Cash Engine Quality+10/20 pts (24% of score)

SEC XBRL FY 2025 (10-K): 16821.8% FCF Margin ($168.2M FCF) & 52% Gross Margin

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+10/20 pts (24% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9

▼ #1 Drag / Risk Factor: Macro Regime Fit5/20 pts (-15 pt drag)

Macro rate sensitivity & RSI-14 (61.1) create a -15 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade E$16.90-2.7% Next Q

Q2 (-2Q)

Grade E$16.44+4.7% Next Q

Q3 (-1Q)

Grade E$17.21+2.2% Next Q

Current

Grade D-$17.59-7.2% Hist 90D α

Trajectory: E (33) → D- (41)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a TIPT Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While TIPT currently carries a cautious 41/100 (D-) rating due to Macro Regime Fit (5/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($17.37) and Max Pain ($18.47) forces dealer call-delta covering toward $20.30.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Disciplined Float (-0.40% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $TIPT• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “TIPT Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 41%NO 59%Trade / Inspect Odds →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How TIPT Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$168.2M (16821.8% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $341.4M

FY24

Rev $341.5M

FY25

Rev $488.0K

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$488.0K	52%	-80%	$34.9M	$168.2M	-6.8%
FY 2024	$341.5M	52%	-11.8%	$53.4M	$240.7M	-7.3%
FY 2023	$341.4M	52%	-12.7%	$14.0M	$71.5M	-6.8%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring TIPT)

✓Walkthrough of TIPT's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

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TIPT // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +3.11%📐 HORIZONTAL RANGE

2026-11-04O $17.04H $17.59L $17.04C $17.59VOL 413.0K

RES: $18.69SUP: $16.04SMA50: $17.37SMA200: $17.37

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

TIPT Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 TIPT Butterfly Map → + Track TIPT →

Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle

11.2%/yr Implied 5Y Growth

vs. -99.9% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on TIPT today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for TIPT. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for TIPT today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (TIPT)

Financials Rank #900 of 1097 ⚔️ DGICA vs TIPT Full Matrix →

1. Head-to-Head Financials Peer Comparison (TIPT vs. DGICA, AII, ACIC, ROOT)

Industry: Property-Casualty Insurers (68 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Tiptree Inc. (TIPT) ranks #900 by composite RQD confidence (41/100, grade D-) and #650 by equity capitalization ($640.7M). Within this direct 5-issuer industry benchmark cohort, ACIC leads on earnings valuation at 4.8x trailing P/E, while ACIC leads on capital efficiency and profitability with 85.0% ROIC and — gross margin. AII currently holds the highest overall quantitative score in the immediate peer group at 78/100 (B+) compared with TIPT at 41/100 (D-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
TIPT ACTIVE Tiptree Inc.	D-	41/100	18.0x	—	-6.8%	+3.23%	$640.7M	Benchmark Subject
DGICA Donegal Group Inc. (Class A)	C	64/100	8.8x	—	12.4%	+1.20%	$696.0M	/dgica-vs-tipt →
AII American Integrity Insurance Group Inc.	B+	78/100	5.6x	—	29.6%	+0.82%	$578.1M	/aii-vs-tipt →
ACIC American Coastal Insurance Corporation	B-	70/100	4.8x	—	85.0%	-0.18%	$515.3M	/acic-vs-tipt →
ROOT Root Inc. (Class A)	C-	60/100	20.8x	—	85.0%	-0.06%	$801.5M	/root-vs-tipt →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001393726 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Tiptree Inc. (TIPT) reported GAAP revenue of $488.0K (-99.9% vs. FY2024 revenue of $341.5M , and -99.9% cumulative change since FY2023) , GAAP net income of $34.9M, operating cash flow of $168.2M, and free cash flow of $168.2M (-30.1% YoY). On the balance sheet, TIPT closed FY2025 with $6.84B in total assets against $63.9M in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$488.0K	$34.9M	$168.2M	$168.2M	$6.84B	$63.9M
FY2024 (FY)	2024-12-31	$341.5M	$53.4M	$240.8M	$240.7M	$5.69B	$0
FY2023 (FY)	2023-12-31	$341.4M	$14.0M	$71.5M	$71.5M	—	—

3. TIPT Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is TIPT stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does TIPT compare to DGICA and AII in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for TIPT?

Where is TIPT trading relative to its 50-day, 200-day, and 52-week technical levels?

TIPT last traded at $17.59 (+3.23% on volume of 413,047 shares), positioning the stock +1.27% above its 50-day simple moving average ($17.37) and +1.27% above its 200-day simple moving average ($17.37). Across its 52-week range of $15.49 to $19.33, TIPT sits at the 54.7% percentile with a 14-day RSI of 61.1 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.6% ($16.78 to $18.40).

Direct Sub-Reports: TIPT RQD Cockpit TIPT 12M Forecast TIPT Earnings & Move TIPT Dividends & DRIP TIPT Insiders & 13F TIPT Whale Options TIPT Profit Sankey TIPT News & Why

ROARABLE RATING BRIEF • RQD 41/100 (D-) ✓ SEC XBRL & RQD VERIFIED

TIPT — Tiptree Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit

Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Tiptree Inc. (TIPT) earns a live Roarable RQD composite score of 41/100, corresponding to a D- letter grade (Roarable Sell) at a spot price of $17.59 (+3.23% 1D, market capitalization $640.7M).

Fundamental Cash Engine (10/20): Anchored by return on invested capital (ROIC) of -6.8%, gross margin of —, operating margin of -60.0%, and free cash flow yield of —.
Whale 13F & Options Flow (7/20) + Insider Conviction (9/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
Macro Regime Fit (5/20) + Forensic Balance Sheet (10/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Tiptree Inc. (TIPT) is a NASDAQ-listed company in the Financials sector, Property-Casualty Insurers industry. The profile characterizes it as a Financials issuer with a market capitalization of $0.6B. — describes its specific products, customers, or revenue streams. — describes how the company generates revenue beyond the sector and industry classification.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Tiptree Inc. (TIPT) reported $488.0K in annual revenue (up from $341.5M in FY2024, -99.9% YoY) and $34.9M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($341.4M revenue, $14.0M net income) through FY2025, TIPT scaled operating cash flow to $168.2M and free cash flow to $168.2M, backed by $6.84B in total assets against $63.9M in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case (D- • RQD 41/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of — and institutional whale pillar of 7/20. With Fundamental Cash Engine at 10/20 and Institutional Whale Flow at 7/20, sustained execution supports upside toward the upper end of the $15.49 – $19.33 52-week range.
🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh 18.0x trailing P/E against -60.0% operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

There are no upstream or downstream dependencies and no sector correlations listed; the supply-chain field is "NONE" and both link and signal arrays are empty. — identifies specific 2nd-order bottlenecks. The sector context (Financials / Property-Casualty Insurers) is the only available frame. A prospective investor should watch for the reconciliation of the reported operating losses against positive net income, since that divergence sits at the center of the financial picture and the source does not resolve it.

Key Question #1: Can TIPT sustain or expand its -60.0% operating margin and -6.8% ROIC against Property-Casualty Insurers peers over the next 4 quarters?
Key Question #2: Following FY2025 revenue of $488.0K and free cash flow of $168.2M, how will capital allocation balance growth reinvestment against $63.9M in total debt?
Key Question #3: How sensitive is TIPT's 16.7x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

TIPT Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Tiptree Inc. (TIPT) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to TIPT Debate Forum (3) ↓

🟡 MARKET WIRE KTVB • 1d ago

Tiptree: Q3 Earnings Snapshot

KTVB report covering Tiptree Inc. (TIPT) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔴 RISK WATCH Stock Titan • 1d ago

After a $9.5M loss a year earlier, Tiptree (TIPT) posts a Q3 profit from continuing operations.

Stock Titan report covering Tiptree Inc. (TIPT) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Business Wire • 2d ago

Tiptree Announces Third Quarter 2026 Results

Business Wire report covering Tiptree Inc. (TIPT) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 2d ago

Tiptree Financial (NASDAQ:TIPT) Stock Price Breaks Below 200-Day Moving Average - Here's Why

MarketBeat report covering Tiptree Inc. (TIPT) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔴 RISK WATCH Simply Wall St • 2d ago

Insider Buying: Tiptree Executive Chairman of the Board & CEO Bought US$502k Of Shares

Simply Wall St report covering Tiptree Inc. (TIPT) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE https://www.siam.in/ • 2d ago

Tiptree Inc. (TIPT) Holds Mid-Range at $16.50 as Shares Edge Higher - Wave Truncation

https://www.siam.in/ report covering Tiptree Inc. (TIPT) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 2d ago

Tiptree Financial (NASDAQ:TIPT) Rating Lowered to "Sell" at Wall Street Zen

MarketBeat report covering Tiptree Inc. (TIPT) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 2d ago

Tiptree Financial Q3 2026 Earnings Results and Report

MarketBeat report covering Tiptree Inc. (TIPT) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

TIPT Bull vs. Bear Conversation Board — What's Your Call at $17.59?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON TIPT 🐻 33% BEARISH CONVICTION

QU QuantViper RQD DEBATE OPENER • Systematic Momentum Desk 🐂 BULLISH 🎯 Target: $20.11 (+18.0%)

📌 Pinned Debate

Reported net income stayed positive in FY 2024 and FY 2025 and the forensic balance sheet pillar sits at a mid-range 10 / 20 with a Deb

Here is why I am bullish on TIPT here at $17.04: Reported net income stayed positive in FY 2024 and FY 2025 and the forensic balance sheet pillar sits at a mid-range 10 / 20 with a Debt/Equity of 0.5.. Compare TIPT's -60.0% operating margin and -6.8% ROIC against the rest of Property-Casualty Insurers. As long as cash conversion holds up, dips toward $16.19 are getting bought.

VolSurface_Trader 🐂 BULL

Both sides have a point here — TIPT's 10/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

FO ForensicBear RQD DEBATE OPENER • 10-K Footnote Auditor 🐻 BEARISH 🎯 Target: $13.97 (-18.0%)

Spot @ $17.04

ROIC is -6.8% and FCF yield is 0%, leaving the cash-engine pillar at 10 / 20 and the overall RQD at a D grade with a Sell verdict.

ROIC is -6.8% and FCF yield is 0%, leaving the cash-engine pillar at 10 / 20 and the overall RQD at a D grade with a Sell verdict.. Look at the math on TIPT: paying 18.0x trailing P/E for -6.8% ROIC and -60.0% operating margins leaves zero margin of safety if Property-Casualty Insurers demand softens. I'd wait for a retest of $15.00 before getting long.