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Upturn AI Summary - About
Tiptree Inc(TIPT)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for TIPT
11/05/2026: TIPT (1-star) is currently NOT-A-BUY. Pass it for now.
Tiptree Inc is a diversified holding company primarily focused on the specialty insurance and finance sectors. Its main business strength lies in its subsidiary, Fortegra, which provides a consistent stream of fee-based revenue through warranty and credit protection products. The core growth opportunity centers on expanding Fortegra's reach and the potential to unlock value through strategic asset management or divestitures. Risks include reliance on the insurance market, competitive pressures, and holding company complexity. This stock may suit value-oriented investors who appreciate the dividend yield and potential for sum-of-the-parts appreciation, though they should monitor subsidiary performance and capital allocation decisions closely.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | While the company has grown, its holding company structure may limit aggressive capital appreciation. |
| Momentum investor | Weak fit | The stock typically exhibits low liquidity and lacks the high-velocity price action favored by momentum strategies. |
| Value investor | Strong fit | The company often trades at a discount to its sum-of-the-parts valuation. |
| Dividend investor | Strong fit | Tiptree offers a consistent dividend yield, making it attractive for income-focused portfolios. |
| Low-risk investor | Mixed fit | Insurance operations carry inherent risks, though the holding company structure provides some insulation. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Thin trading volume can lead to wider bid-ask spreads and price swings. |
| Valuation risk | Low | The company historically trades at a conservative multiple relative to its book value. |
| Competition risk (Insurance) | Medium / high | Intense competition from larger insurers impacts pricing power and market share. |
| Business quality | Medium | The success is highly dependent on the performance of the insurance segment. |
| Dividend income | Low | Dividends are supported by cash flow from subsidiaries but are not guaranteed. |
| Execution risk | Medium | Effective capital allocation requires skilled management of multiple distinct businesses. |
Price Behavior
Steady Uptrend
The stock demonstrates consistent and steady upward price momentum.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -31.14% | Avg. Invested days 44 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/05/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 653.83M USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) 294.0K shares | Beta 0.68 | 52 Weeks Range 15.38 - 19.07 | Updated Date 11/05/2026 |
52 Weeks Range 15.38 - 19.07 | Updated Date 11/05/2026 | ||
Dividends yield (FY) 1.36% | Basic EPS (TTM) -0.5 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Insurance Services | Warranty contracts, credit protection, and specialty insurance premiums through Fortegra. | This is the primary engine of the company, generating reliable fee and premium income. |
| Specialty Finance | Interest and fee income from niche asset-backed lending. | This segment contributes supplemental income but is smaller than the insurance business. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-28 | When - | Estimate - | Actual 0.12 |
Profitability
Profit Margin - | Operating Margin (TTM) 199733.33% |
Management Effectiveness
Return on Assets (TTM) -0.59% | Return on Equity (TTM) -2.22% |
Valuation
Trailing PE - | Forward PE 12.11 | Enterprise Value -140.03M | Price to Sales(TTM) 0.3 |
Enterprise Value -140.03M | Price to Sales(TTM) 0.3 | ||
Enterprise Value to Revenue 0.41 | Enterprise Value to EBITDA 14.41 | Shares Outstanding 36.43M | Shares Floating 21.86M |
Shares Outstanding 36.43M | Shares Floating 21.86M | ||
Percent Insiders 40.15 | Percent Institutions 46.8 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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