Demonstrações financeiras detalhadas de Tiptree Inc. (TIPT): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Tiptree Inc. registou receitas de $488000 no último exercício, com um CAGR de 5 anos de -77.3%.
Margens dos últimos 12 meses: margem bruta 57.8%, margem operacional 14.0%, margem líquida -40.7%. O fluxo de caixa livre cresceu a CAGR de 4.7% em 5 anos.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Receita | $506.4M | $579.8M | $625.8M | $765.1M | $810.3M | $1.20B | $1.40B | $1.65B | $2.04B | $488000 |
| Custo da Receita | 0 | 0 | $152.1M | $170.7M | $236.9M | $327.0M | $452.6M | $601.8M | $841.2M | 0 |
| Lucro Bruto | $506.4M | $579.8M | $473.7M | $594.4M | $573.4M | $873.5M | $945.1M | $1.05B | $1.20B | $488000 |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $162.2M | $157.4M | $156.1M | $181.5M | $229.8M | $288.3M | $253.1M | $261.3M | $293.8M | $33.8M |
| Despesas Operacionais | $483.4M | $593.6M | $493.5M | $565.3M | $612.3M | $808.2M | $891.1M | $964.2M | $1.05B | $47.2M |
| Lucro Operacional | $23.1M | -$13.8M | -$19.8M | $29.1M | -$38.9M | $65.3M | $54.0M | $83.1M | $149.3M | -$46.7M |
| EBITDA | $98.7M | $52.2M | $19.8M | $69.8M | $11.3M | $127.5M | $107.2M | $134.2M | $203.2M | -$47.4M |
| Despesas com Juros | $21.0M | $25.6M | $27.0M | $27.1M | $32.6M | $37.7M | $30.2M | $27.7M | $32.2M | 0 |
| Lucro Antes de Impostos | $49.1M | -$3.3M | -$19.8M | $29.1M | -$38.9M | $65.3M | $54.0M | $83.1M | $149.3M | -$44.6M |
| Imposto | $12.5M | -$12.6M | -$5.9M | $9.0M | -$13.6M | $21.3M | $50.5M | $43.1M | $61.7M | -$5.7M |
| Lucro Líquido | $25.3M | $3.6M | $23.9M | $18.4M | -$29.2M | $38.1M | -$8.3M | $14.0M | $53.4M | $34.9M |
| LPA | $0.79 | $0.12 | $0.69 | $0.53 | $-0.74 | $1.15 | $-0.23 | $0.34 | $1.44 | $0.93 |
| LPA Diluído | $0.78 | $0.11 | $0.69 | $0.50 | $-0.74 | $1.13 | $-0.23 | $0.33 | $1.30 | $0.93 |
| Ações em Circulação (Diluídas) | $31.8M | $37.3M | $34.7M | $34.6M | $33.9M | $33.7M | $35.5M | $37.6M | $37.9M | $46.0M |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Caixa e Equivalentes | $63.0M | $110.7M | $86.0M | $133.1M | $136.9M | $175.7M | $538.1M | $468.7M | $19.4M | $30.8M |
| Investimentos de Curto Prazo | $146.2M | $182.4M | $283.6M | $335.2M | $377.1M | $577.4M | $612.0M | $802.6M | $10.9M | $17.1M |
| Contas a Receber | 0 | $186.4M | $223.1M | $827.6M | $1.12B | $1.39B | $1.01B | $1.68B | $1.89B | 0 |
| Estoque | 0 | 0 | $13.0M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $133.1M | $142.2M | $1.02B | 0 | 0 | $2.18B | $2.92B | $3.89B | $3.08B | $47.9M |
| Imobilizado | $5.9M | $4.3M | $6.1M | $36.1M | $43.1M | $38.7M | $53.3M | $61.1M | $17.9M | $14.6M |
| Ágio | $92.8M | $91.6M | $91.6M | $99.1M | $179.2M | $179.1M | $186.6M | $206.2M | $206.7M | 0 |
| Ativos Intangíveis | $85.5M | $64.0M | $52.1M | $56.7M | $153.0M | $532.0M | $657.4M | $725.3M | $711.3M | 0 |
| Ativos Totais | $2.89B | $1.99B | $1.86B | $2.20B | $3.00B | $3.60B | $4.04B | $5.14B | $5.69B | $6.84B |
| Contas a Pagar | $139.8M | $151.3M | $129.2M | $213.8M | $375.8M | $415.4M | $424.5M | $675.2M | $529.1M | 0 |
| Dívida de Curto Prazo | $414.6M | 0 | 0 | $114.8M | $147.8M | $158.5M | $60.6M | $197.1M | 0 | $8.1M |
| Passivos Circulantes | $1.19B | $631.4M | $241.8M | 0 | 0 | $2.66B | $3.25B | $4.30B | $3.74B | $107.6M |
| Dívida de Longo Prazo | $378.5M | $346.1M | $354.1M | $224.7M | $183.4M | $234.8M | $198.7M | $205.3M | $363.4M | $63.9M |
| Passivos Totais | $2.50B | $1.59B | $1.47B | $1.79B | $2.62B | $3.20B | $3.51B | $4.56B | $5.04B | $6.09B |
| Reservas | $38.0M | $38.1M | $57.2M | $70.2M | $35.4M | $68.1M | $54.1M | $60.7M | $95.7M | $121.6M |
| Patrimônio Líquido | $293.4M | $300.1M | $387.1M | $398.1M | $356.1M | $383.0M | $397.4M | $416.9M | $457.7M | $508.6M |
| Dívida Total | $793.0M | $346.1M | $354.1M | $368.9M | $364.2M | $422.7M | $297.4M | $442.8M | $374.5M | $80.7M |
| Dívida Líquida | $583.8M | $53.0M | -$15.5M | -$99.4M | -$149.9M | -$330.4M | -$852.6M | -$828.5M | $344.2M | $32.9M |
| Capital de Giro | -$1.06B | -$489.2M | $781.8M | 0 | 0 | -$486.9M | -$338.4M | -$411.7M | -$662.2M | -$59.8M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Lucro Líquido | $32.3M | $5.2M | $29.9M | $20.1M | -$25.2M | $44.1M | $3.6M | $40.0M | $87.7M | $34.9M |
| Depreciação e Amortização | $28.5M | $30.0M | $12.6M | $13.6M | $17.6M | $24.4M | $23.0M | $23.5M | $21.7M | $1.4M |
| Compensação em Ações | $2.6M | $6.6M | $6.7M | $6.4M | $8.1M | $11.1M | $9.7M | $8.3M | $17.7M | $11.3M |
| Variação Capital de Giro | -$1.78B | -$1.60B | -$1.50B | -$1.99B | -$2.98B | -$3.68B | -$1.96B | -$12.5M | -$852.9M | $2.7M |
| Fluxo de Caixa Operacional | $36.6M | $46.9M | $57.7M | $23.7M | $140.2M | $204.3M | $463.1M | $71.5M | $240.8M | $168.2M |
| CapEx | -$7.2M | -$2.9M | -$3.7M | -$8.5M | -$6.7M | -$2.8M | -$10.7M | -$14.0M | -$4.0M | 0 |
| Aquisições | -$102.3M | -$71.7M | $15.7M | $13.7M | -$4.8M | $258000 | -$15.0M | -$19.7M | 0 | 0 |
| Recompra de Ações | -$43.8M | -$7.3M | -$14.1M | -$9.1M | -$13.9M | -$8.1M | -$1.7M | 0 | 0 | 0 |
| Dividendos Pagos | -$3.2M | -$3.5M | -$4.8M | -$5.5M | -$5.6M | -$5.4M | -$7.8M | -$13.7M | -$24.8M | -$9.1M |
| Fluxo de Caixa Livre | $29.5M | $44.0M | $54.0M | $15.2M | $133.5M | $201.6M | $452.3M | $57.4M | $236.7M | $168.2M |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Crescimento Receita (anual) | +14.5% | +7.9% | +22.3% | +5.9% | +48.2% | +16.4% | +18.0% | +23.9% | -100.0% | |
| Crescimento Lucro Líquido (anual) | -85.8% | +564.1% | -23.3% | -258.8% | +230.8% | -121.7% | +268.6% | +282.5% | -34.6% | |
| Crescimento LPA (anual) | -84.8% | +475.0% | -23.2% | -239.6% | +255.4% | -120.0% | +247.8% | +323.5% | -35.4% | |
| Variação de Ações (anual) | +17.4% | -6.9% | -0.4% | -2.1% | -0.5% | +5.5% | +5.9% | +0.8% | +21.2% | |
| Crescimento FCF (anual) | +49.3% | +22.6% | -71.8% | +776.8% | +51.0% | +124.4% | -87.3% | +312.3% | -28.9% | |
| Margem Bruta | 100.0% | 100.0% | 75.7% | 77.7% | 70.8% | 72.8% | 67.6% | 63.5% | 58.8% | 100.0% |
| Margem Operacional | 4.6% | -2.4% | -3.2% | 3.8% | -4.8% | 5.4% | 3.9% | 5.0% | 7.3% | -9574.6% |
| Margem EBITDA | 19.5% | 9.0% | 3.2% | 9.1% | 1.4% | 10.6% | 7.7% | 8.1% | 9.9% | -9712.7% |
| Margem Líquida | 5.0% | 0.6% | 3.8% | 2.4% | -3.6% | 3.2% | -0.6% | 0.8% | 2.6% | 7157.2% |
| Margem FCF | 5.8% | 7.6% | 8.6% | 2.0% | 16.5% | 16.8% | 32.4% | 3.5% | 11.6% | 34470.9% |
| Taxa Efetiva de Imposto | 25.5% | 377.2% | 29.8% | 30.9% | 35.1% | 32.6% | 93.4% | 51.8% | 41.3% | 12.8% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| FCF por Ação | $0.93 | $1.18 | $1.55 | $0.44 | $3.94 | $5.98 | $12.73 | $1.53 | $6.24 | $3.66 |
| Dividendo por Ação | $0.10 | $0.09 | $0.14 | $0.16 | $0.16 | $0.16 | $0.22 | $0.37 | $0.65 | $0.20 |
| Ações em Circulação (Básicas) | $31.7M | $29.1M | $34.7M | $34.6M | $33.9M | $33.2M | $35.5M | $36.7M | $36.9M | $37.6M |
O que olhar em Seguros
As seguradoras ganham de 2 formas: a subscrever bem (combined ratio) e a investir o float. Buffett construiu a Berkshire assim.
- Op Margin 5 anos (proxy Combined Ratio) — Proxy do combined ratio quando FMP não expõe. ≥10% média 5 anos = disciplina de subscrição (CR <100%)
- Crescimento Book Value / Ação — Como Buffett mede a Berkshire. O valor real que os acionistas acumulam
- Dívida / Equity — Seguradoras alavancadas falham rápido em catástrofes
- P/B (Preço / Valor Contabilístico) — Seguradoras valorizadas por múltiplo de book. Aqui cruza-se com o ROE (qualidade × avaliação)
- Sequência crescimento dividendo — Anos consecutivos a subir dividendo por ação — seguradoras sólidas acumulam décadas
Rentabilidade
| Margem bruta | 57.76% |
| Margem operacional | 13.99% |
| Margem líquida | -40.74% |
Saúde financeira
| Dívida / Patrimônio | 0.01 |
| Liquidez corrente | 5.07 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| P/L | 7.78 | 49.58 | 8.10 | 15.36 | -6.78 | 12.03 | -60.17 | 55.76 | 14.49 | 19.65 |
| P/VP | 0.66 | 0.58 | 0.50 | 0.71 | 0.48 | 1.20 | 1.24 | 1.67 | 1.68 | 1.35 |
| P/V | 0.39 | 0.30 | 0.31 | 0.37 | 0.21 | 0.38 | 0.35 | 0.42 | 0.38 | 1406.18 |
| Margem Bruta | 100.0% | 100.0% | 75.7% | 77.7% | 70.8% | 72.8% | 67.6% | 63.5% | 58.8% | 100.0% |
| Margem Operacional | 4.6% | -2.4% | -3.2% | 3.8% | -4.8% | 5.4% | 3.9% | 5.0% | 7.3% | -9574.6% |
| Margem Líquida | 5.0% | 0.6% | 3.8% | 2.4% | -3.6% | 3.2% | -0.6% | 0.8% | 2.6% | 7157.2% |
Empresas relacionadas: AMSF · DGICA · EIG · HBNC · HRTG · HTB · MCB
Explorar setor: Financial Services · Insurance - Specialty
Mais seções de TIPT: Resumo · Avaliação · Estatísticas · Estimativas · Técnico · Propriedade · Notícias · Eventos
Descubra mais: Radar — sinais de ações subvalorizadas · Academia de Investimento — aprenda a analisar ações