Profitability
Weight: 25%
B-
64
Scored using loss ratio — insurer-archetype substitution.
- Loss Ratio 49.1%
- Loss Ratio Trend +1.36 pp/yr
TIPT
Tiptree Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
⚠ 2 of the last 5 fiscal years showed negative net income — AlphaQuality will not grade above F for persistent unprofitability in a banks, insurers & asset managers business.
Grade overrides the 30.0 pillar composite — hard gates always win.
Capital Efficiency
Weight: 15%
D-
27
- 5yr Avg ROE 3.0%
- 5yr Share-Count CAGR 2.1%
Growth Quality
Weight: 10%
B
70
Scored using premium growth cross-checked against loss-ratio trend — insurer-archetype substitution.
- 5yr Premium CAGR 26.9%
- Loss Ratio Trend (growth quality check) +1.36 pp/yr
- Revenue-Growth Years (5) 4/5
Cash Generation
Weight: 15%
B-
66
Scored using reserve development and loss-ratio stability — insurer-archetype substitution.
- Reserve Development 0.0%
- Loss Ratio Stability (σ) 0.13
Balance Sheet
Weight: 25%
A-
83
Scored using premiums-to-surplus — insurer-archetype substitution.
- Premiums / Surplus 2.89x
- Interest Coverage (EBIT/Int) 30.00x
Stability
Weight: 10%
C-
45
- EPS Volatility (σ/μ) 0.64
- Negative-Revenue Years (5) 1/5
- Piotroski F-Score 5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.3 of 3 gurus held; 1 new buy; 1 added; 1 trimmed.
- Holders
- 3 +1
- Avg Δ position
- -20.9%
- New buys
- 1
- Full exits
- 0