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Tiptree Inc (TIPT)
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Upturn Advisory Summary
02/20/2026: TIPT (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 926.93M USD | Price to earnings Ratio 20.43 | 1Y Target Price - |
Price to earnings Ratio 20.43 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 1.14 | 52 Weeks Range 15.25 - 26.82 | Updated Date 06/29/2025 |
52 Weeks Range 15.25 - 26.82 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 0.97% | Basic EPS (TTM) 1.21 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 2.45% | Operating Margin (TTM) 7.18% |
Management Effectiveness
Return on Assets (TTM) 2.08% | Return on Equity (TTM) 13.22% |
Valuation
Trailing PE 20.43 | Forward PE - | Enterprise Value 1116998271 | Price to Sales(TTM) 0.45 |
Enterprise Value 1116998271 | Price to Sales(TTM) 0.45 | ||
Enterprise Value to Revenue 0.55 | Enterprise Value to EBITDA 14.41 | Shares Outstanding 37497000 | Shares Floating 23304746 |
Shares Outstanding 37497000 | Shares Floating 23304746 | ||
Percent Insiders 38.02 | Percent Institutions 38.63 |
Upturn AI SWOT
Tiptree Inc
Company Overview
History and Background
Tiptree Inc. (formerly The New Home Company, Inc.) was founded in 2008. It evolved into a diversified holding company with a focus on specialty insurance and financial services. Significant milestones include its strategic pivot and rebranding to Tiptree Inc. to reflect its broader investment and operational scope beyond its initial real estate development roots.
Core Business Areas
- Specialty Insurance: Tiptree operates through various specialty insurance subsidiaries, providing niche insurance products and services across different sectors. This includes areas like title insurance, surety bonds, and other specialized coverages.
- Financial Services: The company engages in various financial services, potentially including lending, investment management, and other related activities through its subsidiaries, aiming to provide comprehensive financial solutions.
- Investment & Holdings: As a holding company, Tiptree Inc. also engages in strategic investments and acquisitions to build its portfolio and diversify its revenue streams across different industries.
Leadership and Structure
Tiptree Inc. is led by a management team responsible for overseeing its diverse portfolio of businesses. The organizational structure is that of a holding company, with distinct operating subsidiaries for its various business segments. Specific details on the leadership team can be found in its official SEC filings and investor relations materials.
Top Products and Market Share
Key Offerings
- Title Insurance: Offers title insurance policies to protect against defects in the title of a property. Competitors include Fidelity National Financial (FNF), Old Republic International (ORI), and First American Financial Corporation (FAF).
- Surety Bonds: Provides surety bonds for construction projects, commercial obligations, and other needs. Key competitors in this space include The Hanover Insurance Group (THG) and Travelers Companies (TRV).
- Specialty Underwriting: Offers specialized underwriting services for various niche insurance markets. Market share data for these niche segments is often fragmented and company-specific.
Market Dynamics
Industry Overview
Tiptree Inc. operates within the highly competitive and regulated financial services and specialty insurance sectors. The insurance industry is influenced by economic cycles, interest rates, regulatory changes, and natural catastrophe events. The financial services sector is driven by market volatility, investor sentiment, and evolving technological landscapes.
Positioning
Tiptree Inc. positions itself as a diversified holding company with a strategic focus on specialty insurance and financial services. Its competitive advantage may lie in its diversified revenue streams, niche market focus, and ability to identify and capitalize on strategic acquisition opportunities.
Total Addressable Market (TAM)
The TAM for the specialty insurance and financial services sectors is substantial, spanning billions of dollars globally. Tiptree Inc. targets specific segments within these broader markets, aiming to capture a meaningful share through its specialized offerings and strategic acquisitions. Its position within the TAM is currently that of a smaller, niche player with potential for growth through strategic expansion.
Upturn SWOT Analysis
Strengths
- Diversified business model across insurance and financial services.
- Focus on niche specialty insurance markets.
- Potential for growth through strategic acquisitions.
- Experienced management team with a history of navigating complex markets.
Weaknesses
- Relatively smaller market capitalization compared to major players.
- Dependence on economic conditions impacting insurance and financial services.
- Potential for integration challenges with acquired companies.
- Limited brand recognition in some of its newer business areas.
Opportunities
- Expansion into new specialty insurance lines.
- Strategic acquisitions to broaden service offerings and market reach.
- Leveraging technology to enhance operational efficiency and customer experience.
- Capitalizing on underserved niche markets within financial services.
Threats
- Intense competition from larger, established financial institutions and insurers.
- Increasing regulatory scrutiny and compliance costs.
- Interest rate volatility impacting investment income and claims costs.
- Cybersecurity threats and data breaches.
- Economic downturns leading to reduced demand for financial products and insurance.
Competitors and Market Share
Key Competitors
- Fidelity National Financial (FNF)
- Old Republic International (ORI)
- First American Financial Corporation (FAF)
- The Hanover Insurance Group (THG)
- Travelers Companies (TRV)
Competitive Landscape
Tiptree Inc. operates in a competitive landscape dominated by larger, more established players in both the insurance and financial services sectors. Its competitive advantages stem from its specialization in niche markets, agility in pursuing strategic acquisitions, and potential for offering tailored solutions. However, it faces challenges related to scale, brand recognition, and the extensive resources of its larger competitors.
Major Acquisitions
Tiptree Financial, Inc. (formerly The New Home Company, Inc.) acquired Tiptree Holdings, LLC
- Year: 2020
- Acquisition Price (USD millions):
- Strategic Rationale: This acquisition was part of the company's transformation into a diversified holding company, integrating its financial services and insurance operations under a unified umbrella.
Growth Trajectory and Initiatives
Historical Growth: Tiptree Inc.'s historical growth has been shaped by its strategic pivot from real estate development to a diversified holding company. Growth has likely been driven by a combination of organic expansion within its operating subsidiaries and, significantly, by strategic acquisitions. Specific historical growth rates would be found in its financial statements.
Future Projections: Future growth projections for Tiptree Inc. are typically based on analyst estimates, company guidance, and market trends in its operating sectors. These projections would consider factors like planned acquisitions, market expansion, and performance of its existing businesses.
Recent Initiatives: Recent initiatives for Tiptree Inc. likely involve ongoing integration of acquired businesses, expansion of its specialty insurance offerings, and optimization of its financial services portfolio to drive synergistic growth and profitability.
Summary
Tiptree Inc. is a diversified holding company with a strategic focus on specialty insurance and financial services. Its strengths lie in its niche market focus and potential for growth through acquisitions, while its weaknesses include smaller scale and competition from larger entities. The company has opportunities in expanding its service offerings and leveraging technology, but must navigate threats from regulatory changes and market volatility. Overall, Tiptree Inc. appears to be a company in transition, seeking to build scale and profitability through strategic investments and operations.
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Sources and Disclaimers
Data Sources:
- Tiptree Inc. SEC Filings (10-K, 10-Q)
- Investor Relations Websites of Tiptree Inc. and Competitors
- Reputable Financial News Outlets and Data Providers
Disclaimers:
This analysis is based on publicly available information and may not be exhaustive. Financial data and market share estimates are subject to change and may vary across different reporting periods and sources. This information is for informational purposes only and does not constitute financial advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Tiptree Inc
Exchange NASDAQ | Headquaters Greenwich, CT, United States | ||
IPO Launch date 2007-06-22 | CEO & Director Mr. Jonathan Ilany | ||
Sector Financial Services | Industry Insurance - Specialty | Full time employees 1496 | Website https://www.tiptreeinc.com |
Full time employees 1496 | Website https://www.tiptreeinc.com | ||
Tiptree Inc., through its subsidiaries, provides specialty insurance products and related services in the United States and Europe. It operates through two segments, Insurance and Mortgage. The company offers commercial lines insurance products, including professional liability, general liability, contractual liability protection, property and other short-tail, and alternative risks insurance products; and personal lines insurance products, such as credit protection surrounding loan payments. It also provides auto warranty programs, including vehicle service contracts, GAP, and other ancillary products; consumer goods warranty programs, such as mobile devices, consumer electronics, appliances, furniture; and premium or warranty contract financing services, lead generation support, and business process outsourcing services. In addition, the company offers mortgage loans for institutional investors; and asset management and advisory services. It markets its products through independent insurance agents, consumer finance companies, online retailers, auto dealers, brokers, and regional big box retailers. The company was formerly known as Tiptree Financial Inc. and changed its name to Tiptree Inc. in December 2016. Tiptree Inc. was founded in 1978 and is based in Greenwich, Connecticut.
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