Tiptree Inc. Common Stock (TIPT)

FairStock Score: 31/100 — RISKY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a value investor, I want understandable businesses, durable advantages, and a margin of safety. Tiptree is difficult on the first count: the provided description says it has no significant operations, only 27 employees, and was formerly a specialty insurance provider. That is not a clear moat I can underwrite. The filings are mixed. In fiscal Q1 2026, the quarter ended 2026-03-31, net income was $14.2M and diluted EPS $0.34. For FY2025, net income was $34.9M and diluted EPS $0.76, down from FY2024's $53.4M and $1.34; FY2023 net income was $14.0M and diluted EPS $0.34. Revenue is erratic: FY2025 filed revenue was $488,000, versus $341.5M in FY2024 and $341.4M in FY2023. Quarterly revenue in fiscal 2025 ranged from $79.3M in fiscal Q3 2025 to $82.4M in fiscal Q1 2025. The provided data also lists a negative P/E of -20.09, while FairStock calculates P/B of 0.71 and FCF yield of 33.1% at the 2026-10-13 close. Health has positives: Piotroski 7/9, Altman Z 2.33, D/E 0.01, and TTM FCF $215.1M. But ROE is -3.97%, ROCE is -0.71%, and the FairStock Score is 31/100. The Lynch category is TURNAROUND — returned to profit after a loss in the last three years. At $17.28, the price may be cheap on book and cash flow, but the inconsistent filings and unclear operations mean I would want a larger discount and better disclosure before calling it a sound value.

In plain English: Tiptree is a small financial company that used to sell specialty insurance, and the description now says it has no major operations and only 27 employees. Its recent reported profits are positive, but the results are uneven and revenue has been extremely inconsistent, so the business looks unclear and not obviously strong. The stock looks cheap based on its low price compared with its recorded net assets and its large cash flow, but the weak clarity and mixed profitability make it a risky-looking cheap stock rather than a clearly safe bargain.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · fiscal Q1 2025 10-Q (period ended 2025-03-31) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer