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Upturn AI SWOT - About
Tiptree Inc (TIPT)
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Upturn Advisory Summary
07/17/2025: 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.
Number of Analysts
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
Analysis of Past Performance
Type Stock | Historic Profit -8.51% | Avg. Invested days 45 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 07/17/2025 |
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. (TIPT) is a diversified holding company founded in 2007. It focuses on acquiring and growing businesses in the insurance, specialty finance, and real estate sectors. Over time, it has expanded its portfolio through strategic acquisitions and organic growth initiatives.
Core Business Areas
- Insurance: Primarily through Fortegra, it provides specialty insurance products and services, including warranty solutions, credit insurance, and niche property and casualty insurance.
- Specialty Finance: Engages in various lending and investment activities, including mortgage origination and servicing through subsidiaries such as Reliance First Capital.
- Real Estate: Invests in commercial real estate properties and manages real estate assets.
Leadership and Structure
Michael Barnes serves as the Chairman and Chief Executive Officer. Tiptree operates through a decentralized structure, with each subsidiary having its own management team.
Top Products and Market Share
Key Offerings
- Warranty Solutions (Fortegra): Extended warranties and service contracts for consumer products. Fortegra doesn't readily publicize a specific market share, but competes with AmTrust Financial (AFIN) and Assurant (AIZ).
- Credit Insurance (Fortegra): Insurance protecting lenders against borrower default. The market is fragmented, with players like QBE Insurance Group and Chubb (CB) also competing.
- Mortgage Origination (Reliance First Capital): Mortgage lending services. Competes with larger mortgage lenders such as Rocket Companies (RKT) and United Wholesale Mortgage (UWM).
Market Dynamics
Industry Overview
The insurance industry is highly competitive and subject to regulatory oversight. The specialty finance sector is sensitive to economic conditions and interest rate fluctuations. The real estate market is influenced by factors such as interest rates, economic growth, and demographic trends.
Positioning
Tiptree is positioned as a diversified financial services company with a focus on niche markets. Its competitive advantage lies in its diversified business model and ability to identify and acquire undervalued businesses.
Total Addressable Market (TAM)
The collective TAM for Tiptree's segments is in the hundreds of billions of dollars. Tiptree's specific positioning allows it to capture smaller portions of these very large addressable markets.
Upturn SWOT Analysis
Strengths
- Diversified business model
- Experienced management team
- Strong acquisition track record
- Solid financial performance of Fortegra
Weaknesses
- Reliance on acquisitions for growth
- Exposure to macroeconomic risks
- Complexity of diversified operations
- Higher than average Debt
Opportunities
- Expansion into new geographic markets
- Increased demand for specialty insurance products
- Growth in the mortgage market
- Strategic acquisitions to bolster market share
Threats
- Economic downturn
- Increased competition
- Regulatory changes
- Interest rate hikes
Competitors and Market Share
Key Competitors
- AFIN
- AIZ
- RKT
- UWM
Competitive Landscape
Tiptree faces competition from larger, more established companies in each of its business segments. Its diversified business model and niche focus provide a degree of differentiation.
Major Acquisitions
Fortegra Financial Corporation
- Year: 2014
- Acquisition Price (USD millions): 236
- Strategic Rationale: Expanded Tiptree's presence in the insurance sector.
Growth Trajectory and Initiatives
Historical Growth: Tiptree's historical growth has been driven by acquisitions and organic growth within its subsidiaries.
Future Projections: Future growth projections depend on economic conditions, acquisition opportunities, and the performance of its core business segments. Analyst estimates are dynamically updated.
Recent Initiatives: Recent strategic initiatives include expanding Fortegra's product offerings and investing in technology to improve operational efficiency.
Summary
Tiptree Inc. is a diversified financial holding company with a focus on specialty insurance, finance, and real estate. Fortegra drives consistent growth. Tiptree relies on acquisitions and is exposed to macroeconomic risks. Close watch is needed on diversification strategies and navigating economic volatility.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Company Investor Relations Materials
- Third-party Financial Data Providers
Disclaimers:
This analysis is based on publicly available information and represents an opinion. It is not financial advice. Market share estimates are approximate.
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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