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Upturn AI SWOT - About
Tiptree Inc (TIPT)
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Upturn Advisory Summary
03/24/2025: 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.
AI Based Fundamental Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Analysis of Past Performance
Type Stock | Historic Profit 31.35% | Avg. Invested days 47 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 03/24/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 795.22M USD | Price to earnings Ratio 21.9 | 1Y Target Price - |
Price to earnings Ratio 21.9 | 1Y Target Price - | ||
Volume (30-day avg) 148812 | Beta 1.29 | 52 Weeks Range 15.16 - 26.90 | Updated Date 03/30/2025 |
52 Weeks Range 15.16 - 26.90 | Updated Date 03/30/2025 | ||
Dividends yield (FY) 1.11% | Basic EPS (TTM) 0.98 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 2.05% | Operating Margin (TTM) 9% |
Management Effectiveness
Return on Assets (TTM) 2.09% | Return on Equity (TTM) 12.41% |
Valuation
Trailing PE 21.9 | Forward PE - | Enterprise Value 981092657 | Price to Sales(TTM) 0.44 |
Enterprise Value 981092657 | Price to Sales(TTM) 0.44 | ||
Enterprise Value to Revenue 0.48 | Enterprise Value to EBITDA 14.41 | Shares Outstanding 37055800 | Shares Floating 21511655 |
Shares Outstanding 37055800 | Shares Floating 21511655 | ||
Percent Insiders 38.08 | Percent Institutions 40.23 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Tiptree Inc
Company Overview
History and Background
Tiptree Inc. (TIPT) was founded in 2007 as Fortegra Financial Corporation. It rebranded as Tiptree Inc. in 2014. The company has grown through acquisitions and organic expansion, building a diversified portfolio of businesses.
Core Business Areas
- Insurance: Provides specialty insurance products and services. It includes property and casualty insurance, and specialty programs for specific industries.
- Mortgage: Originates and services residential mortgage loans.
- Shipping: Tiptree through its subsidiaries owns container vessels which are chartered out on bareboat contracts.
- Tiptree Capital: It manages capital and provides investment expertise for its own account and to third-party investors.
Leadership and Structure
Michael Barnes serves as the Executive Chairman, and Jonathan Ilany is the Chief Executive Officer. Tiptree Inc. operates with a decentralized structure, allowing its subsidiaries significant autonomy.
Top Products and Market Share
Key Offerings
- Specialty Insurance: Fortegra's specialty insurance products include warranty solutions, credit insurance, and other niche insurance offerings. Market share data varies significantly by product line within the specialty insurance market, making specific figures difficult to pinpoint. Competitors include Amynta Group and Brown & Brown.
- Mortgage Origination and Servicing: Origination and servicing of residential mortgages, primarily through its subsidiary, Reliance Mortgage. Market share is relatively small compared to major national lenders. Competitors include Rocket Mortgage and United Wholesale Mortgage (UWM).
- Container Vessels: The business owns ships, which are chartered on bareboat contracts for fixed periods. It doesn't really have a market share to speak of but competitors include shipowners like Costamare Inc, Danaos Corporation
Market Dynamics
Industry Overview
The specialty insurance market is characterized by increasing demand for tailored insurance products. The mortgage market fluctuates with interest rates and economic conditions. The shipping container market is a niche one dependent on global trade flows.
Positioning
Tiptree Inc. aims to generate growth in insurance, and mortgage, diversify the company through acquisition and to improve profitability over all businesses.
Total Addressable Market (TAM)
The TAM for specialty insurance is estimated to be in the hundreds of billions of dollars globally. The mortgage origination market is also substantial, fluctuating with interest rate cycles. The shipping market moves with macroeconomic conditions. Tiptree Inc's positioning is focused on specific segments within these markets.
Upturn SWOT Analysis
Strengths
- Diversified business model
- Experienced management team
- Strong capital base
- History of successful acquisitions
Weaknesses
- Complexity of managing diverse businesses
- Sensitivity to interest rate changes in the mortgage segment
- Dependence on acquisitions for growth
- Relatively small market share in some segments
Opportunities
- Further acquisitions in fragmented markets
- Expansion of specialty insurance offerings
- Growth in demand for customized financial services
- Capitalizing on market dislocations (distressed assets)
Threats
- Increased competition in core markets
- Economic downturn impacting insurance and mortgage demand
- Regulatory changes in the financial services industry
- Fluctuations in shipping markets
Competitors and Market Share
Key Competitors
- HIG
- GBL
- BRO
Competitive Landscape
Tiptree Inc. faces competition from larger, more established players in each of its business segments. Its diversified business model and acquisition strategy provide some competitive advantages.
Major Acquisitions
Seastreak LLC
- Year: 2018
- Acquisition Price (USD millions): 140
- Strategic Rationale: Diversified Tiptree into the transportation services.
The Warranty Group
- Year: 2014
- Acquisition Price (USD millions): 307
- Strategic Rationale: Significantly strengthened Fortegra's specialty insurance operations.
Growth Trajectory and Initiatives
Historical Growth: Tiptree Inc. has grown through acquisitions and organic expansion. Revenue growth rates have varied depending on market conditions and acquisition activity.
Future Projections: Analyst projections vary. Consensus estimates can be found on financial websites. The specialty insurance business is expected to improve future projections.
Recent Initiatives: Recent initiatives include strategic acquisitions, expansion of specialty insurance offerings, and efforts to improve efficiency.
Summary
Tiptree Inc. is a diversified holding company with operations in insurance, mortgage, and shipping. Its strength lies in its diversified portfolio and acquisition strategy, but it faces challenges managing diverse businesses and navigating economic cycles. Growth will likely depend on further acquisitions and successful execution in its core segments. Investors should watch out for economic downturn and fluctuations in mortgage and shipping markets.
Similar Companies
BRO
Brown & Brown Inc
BRO
Brown & Brown Inc
HIG
Hartford Financial Services Group
HIG
Hartford Financial Services Group
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Loews Corp
MGIC
Magic Software Enterprises Ltd
MGIC
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Sources and Disclaimers
Data Sources:
- SEC filings, analyst reports, company press releases, financial news sources
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market data is subject to change.
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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