Tiptree (TIPT) versus Kinsale Capital Group (KNSL) Financial Analysis

Tiptree (NASDAQ:TIPT) and Kinsale Capital Group (NASDAQ:KNSL) are both small-cap finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their risk, dividends, profitability, valuation, analyst recommendations, institutional ownership and earnings.

Insider and Institutional Ownership

64.1% of Tiptree shares are held by institutional investors. Comparatively, 82.6% of Kinsale Capital Group shares are held by institutional investors. 23.7% of Tiptree shares are held by company insiders. Comparatively, 8.2% of Kinsale Capital Group shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.



Dividends

Tiptree pays an annual dividend of $0.14 per share and has a dividend yield of 2.4%. Kinsale Capital Group pays an annual dividend of $0.28 per share and has a dividend yield of 0.5%. Kinsale Capital Group pays out 22.4% of its earnings in the form of a dividend.

Analyst Ratings

This is a summary of recent recommendations and price targets for Tiptree and Kinsale Capital Group, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Tiptree 0 0 0 0 N/A
Kinsale Capital Group 0 1 2 0 2.67

Kinsale Capital Group has a consensus target price of $63.00, suggesting a potential upside of 7.12%. Given Kinsale Capital Group’s higher probable upside, analysts plainly believe Kinsale Capital Group is more favorable than Tiptree.

Profitability

This table compares Tiptree and Kinsale Capital Group’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Tiptree 5.08% -4.57% -0.93%
Kinsale Capital Group 13.52% 12.59% 4.39%

Valuation & Earnings

This table compares Tiptree and Kinsale Capital Group’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Tiptree $581.80 million 0.38 $4.48 million N/A N/A
Kinsale Capital Group $186.78 million 6.67 $24.90 million $1.25 47.05

Kinsale Capital Group has lower revenue, but higher earnings than Tiptree.

Volatility & Risk

Tiptree has a beta of -0.26, suggesting that its stock price is 126% less volatile than the S&P 500. Comparatively, Kinsale Capital Group has a beta of 0.14, suggesting that its stock price is 86% less volatile than the S&P 500.

Summary

Kinsale Capital Group beats Tiptree on 9 of the 13 factors compared between the two stocks.

Tiptree Company Profile

Tiptree Inc., through its subsidiaries, underwrites and administers specialty insurance products primarily in the United States. It operates through three segments: Specialty Insurance, Asset Management, and Mortgage. The company provides credit protection insurance, warranty and service contract products, and insurance programs that underwrite niche personal and commercial lines of insurance, as well as offers value-add services, including premium finance and business processing services. It also engages in asset management operations; the provision of mortgage loans for institutional investors; and other investment activities. Tiptree Inc. markets its products through a network of independent insurance brokers and managing general agencies. The company was formerly known as Tiptree Financial Inc. and changed its name to Tiptree Inc. in December 2016. Tiptree Inc. was incorporated in 2007 and is based in New York, New York.

Kinsale Capital Group Company Profile

Kinsale Capital Group, Inc. provides as a casualty and property insurance products in the United States. Its commercial lines offerings include construction, small business, energy, excess casualty, general casualty, product liability, professional liability, life sciences, allied health, health care, commercial property, management liability, environmental, public entity, inland marine, and commercial insurance, as well as homeowners insurance. The company markets and sells insurance products through a network of independent insurance brokers. Kinsale Capital Group, Inc. was founded in 2009 and is based in Richmond, Virginia.

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