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Upturn AI SWOT - About
Tiptree Inc (TIPT)
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Upturn Advisory Summary
10/14/2025: 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.
Analysis of Past Performance
Type Stock | Historic Profit -23.1% | Avg. Invested days 42 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/14/2025 |
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. (formerly Fortegra Financial Corporation) is a diversified holding company founded in 2007. It initially focused on specialty insurance but has expanded into mortgage origination and servicing, and specialty finance. The company has grown through strategic acquisitions and organic growth.
Core Business Areas
- Insurance: Specialty insurance products and services, including extended service contracts, warranty solutions, and other niche insurance offerings.
- Mortgage: Mortgage origination and servicing through its subsidiaries, providing residential mortgages.
- Specialty Finance: Structured settlements and other specialty finance solutions.
Leadership and Structure
Michael Barnes is the Chairman and Chief Executive Officer. The company operates with a decentralized structure, allowing subsidiaries to manage their businesses independently while benefiting from Tiptree's capital allocation and oversight.
Top Products and Market Share
Key Offerings
- Extended Service Contracts: Extended warranties and service contracts for consumer goods. Market share data is not readily available but it serves a highly fragmented market. Competitors include Amynta Group, Warrantech, and other large insurers.
- Mortgage Origination: Residential mortgage lending. Market share varies by region; Tiptree operates in a competitive environment with large national banks, regional lenders, and mortgage brokers. Competitors include Rocket Mortgage, Wells Fargo, and other local and regional banks.
- Structured Settlements: Acquisition of structured settlement payment rights. Market share is not readily available, but Tiptree competes with other financial services companies specializing in these transactions. Competitors include Stone Street Capital, and J.G. Wentworth.
Market Dynamics
Industry Overview
The specialty insurance market is growing, driven by increasing consumer demand for protection against unforeseen expenses. The mortgage market is influenced by interest rates and housing market trends. Specialty finance deals with niche investment opportunities.
Positioning
Tiptree is positioned as a diversified financial services company, leveraging its capital allocation skills to grow its businesses. Its competitive advantage lies in its ability to identify and acquire undervalued or high-growth potential businesses.
Total Addressable Market (TAM)
TAM is estimated in the billions, spanning across specialty insurance, mortgage, and specialty finance. Tiptree is actively pursuing TAM growth through strategic acquisitions and business development within each sector.
Upturn SWOT Analysis
Strengths
- Diversified business model
- Experienced management team
- Disciplined capital allocation
- Strong balance sheet
Weaknesses
- Reliance on acquisitions for growth
- Exposure to cyclical industries (mortgage)
- Potential integration risks from acquisitions
- Limited brand recognition compared to larger competitors
Opportunities
- Further acquisitions in fragmented markets
- Expansion into new product lines and geographies
- Leveraging technology to improve efficiency
- Capitalizing on demographic trends driving demand for financial services
Threats
- Economic downturn impacting financial services demand
- Increased competition in key markets
- Regulatory changes affecting insurance and mortgage industries
- Interest rate fluctuations impacting mortgage profitability
Competitors and Market Share
Key Competitors
- RKT
- L
- AGO
Competitive Landscape
Tiptree is a smaller player compared to some of its larger competitors. Its advantages include its diversified business model and its ability to identify and acquire undervalued assets. Its disadvantages include its smaller size and limited brand recognition.
Major Acquisitions
Reliance First Capital, LLC
- Year: 2018
- Acquisition Price (USD millions):
- Strategic Rationale: Reliance First Capital is a mortgage origination firm that provides various lending solutions to residential borrowers.
Growth Trajectory and Initiatives
Historical Growth: Tiptree's growth has been driven by acquisitions and organic expansion within its core businesses.
Future Projections: Future growth is expected to continue through strategic acquisitions and internal growth initiatives. Analysts anticipate revenue and earnings growth in the coming years.
Recent Initiatives: Recent initiatives include expanding its mortgage origination platform, investing in technology to improve efficiency, and pursuing strategic acquisitions in the insurance and specialty finance sectors.
Summary
Tiptree Inc. is a diversified financial services company with a focus on specialty insurance, mortgage origination, and specialty finance. The company's growth strategy relies heavily on acquisitions, which presents both opportunities and risks. Tiptree's diversified business model and experienced management team are strengths, but its smaller size and reliance on cyclical industries are weaknesses. The company should continue to focus on strategic acquisitions and organic growth initiatives while managing its exposure to cyclical industries.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Public News Sources
- Analyst Reports
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise. Financial data is based on available public information.
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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