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Upturn AI SWOT - About
Tiptree Inc (TIPT)
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Upturn Advisory Summary
09/12/2025: TIPT (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit 0.42% | Avg. Invested days 41 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/12/2025 |
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., founded in 2007, is a diversified holding company with operations in insurance, mortgage, and specialty finance. It has grown through strategic acquisitions and organic growth.
Core Business Areas
- Insurance: Fortegra, the insurance segment, provides specialty underwriting expertise, claims management, and administration capabilities.
- Mortgage: Tiptree's mortgage operations focus on origination and servicing, catering to specific market niches.
- Specialty Finance: This segment encompasses investments in various specialty finance assets and businesses.
Leadership and Structure
Michael Barnes serves as the Chairman and Chief Executive Officer. The company operates with a decentralized structure, allowing individual businesses to maintain autonomy.
Top Products and Market Share
Key Offerings
- Warranty Solutions (Fortegra): Fortegra provides extended warranty and service contract solutions for various consumer products. Market share data is difficult to pinpoint exactly but Fortegra operates in a highly competitive market with competitors like AmTrust Financial Services (AFST) and Assurant (AIZ).
- Credit Insurance (Fortegra): Fortegra offers credit insurance products that protect lenders against borrower defaults. Competitors include Arch Capital Group (ACGL) and RLI Corp (RLI).
- Mortgage Origination and Servicing: Tiptree's mortgage segment originates and services residential mortgages. This is a hyper competitive segment with competitors like Rocket Mortgage, United Wholesale Mortgage (UWMC) and PennyMac Financial Services (PFSI).
Market Dynamics
Industry Overview
The insurance, mortgage, and specialty finance industries are all subject to economic cycles and regulatory changes. The insurance sector is experiencing technological disruption, while the mortgage industry is sensitive to interest rate fluctuations.
Positioning
Tiptree Inc. positions itself as a diversified holding company that can generate stable returns across different economic environments through its distinct business segments. It aims to identify and acquire undervalued or underperforming companies within its target industries.
Total Addressable Market (TAM)
The TAM for specialty insurance and finance is multi-trillion USD. Tiptree targets specific niches for growth within this expansive TAM.
Upturn SWOT Analysis
Strengths
- Diversified business model
- Experienced management team
- Strong capital base
- Decentralized operating structure
Weaknesses
- Complexity of holding company structure
- Dependence on acquisitions for growth
- Exposure to cyclical industries
- Relatively smaller scale compared to major competitors
Opportunities
- Further acquisitions in fragmented markets
- Expansion into new product lines
- Leveraging technology to improve efficiency
- Capitalizing on regulatory changes
Threats
- Economic downturns
- Increased competition
- Regulatory changes
- Interest rate volatility
Competitors and Market Share
Key Competitors
- AFST
- AIZ
- ACGL
- PFSI
Competitive Landscape
Tiptree faces intense competition in all of its business segments. It differentiates itself through its diversified business model, experienced management team, and focus on niche markets.
Major Acquisitions
Reliance First Capital, LLC
- Year: 2016
- Acquisition Price (USD millions): 60.7
- Strategic Rationale: Expanded Tiptree's mortgage origination capabilities and geographic reach.
Growth Trajectory and Initiatives
Historical Growth: Tiptree has grown through acquisitions and organic expansion of its core businesses. Growth rates have varied depending on market conditions and acquisition activity.
Future Projections: Future growth is expected to be driven by continued acquisitions, expansion of existing businesses, and favorable market conditions in the insurance, mortgage, and specialty finance sectors. Analyst estimates can be found on financial websites.
Recent Initiatives: Recent initiatives include strategic acquisitions, investments in technology, and expansion of product offerings.
Summary
Tiptree is a diversified holding company with potential for long-term growth. Its decentralized structure and experienced management are working well. Economic downturns and increased competition pose challenges. The company needs to continue to strategically acquire businesses and adapt to changing market conditions.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Financial News Outlets
- Market Research Reports
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Consult with a qualified professional before making any investment decisions.
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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