MASHINIi

Tiptree Inc..

TIPT.US | Activities of holding companies

Tiptree Inc. is a diversified holding company that operates through various subsidiaries in the insurance and reinsurance, mortgage, and specialty finance sectors. Its insurance segment focuses on specialty insurance products and services. The mortgage segment is involved in mortgage origination and...Show More

Ethical Profile

Mixed.

Tiptree Inc.'s ethical profile presents a mixed picture, notably impacted by a significant ransomware attack that allegedly resulted in the theft of over 265GB of data. While the company invested $2.9 million in cybersecurity in 2023 and employs industry-leading frameworks, this breach raises concerns about its 'Safe & Smart Tech' practices. In 'Honest & Fair Business,' Tiptree has a Code of Conduct, whistleblower policy, and states compliance with anti-corruption laws, with approximately 75% of ethical claims independently verified. However, critics point to a lack of public data on regulatory fines or complaint resolution, limiting a full assessment of its transparency.

Value Scores

Better Health for All0
-100100
Fair Money & Economic Opportunity0
-100100
Fair Pay & Worker Respect0
-100100
Fair Trade & Ethical Sourcing0
-100100
Honest & Fair Business-20
-100100
Kind to Animals0
-100100
No War, No Weapons0
-100100
Planet-Friendly Business0
-100100
Respect for Cultures & Communities0
-100100
Safe & Smart Tech-10
-100100
Zero Waste & Sustainable Products0
-100100

Better Health for All

0

The provided articles, which primarily detail Tiptree Inc.'s financial performance and operations in insurance, mortgage, and specialty finance, do not contain any specific, concrete data points or initiatives relevant to the 'Better Health for All' ethical value. For all KPIs, the articles explicitly state either 'No direct information,' 'No data,' or 'Not applicable' regarding health impact, harmful revenue, safety records, price accessibility, vulnerable reach, risk transparency, health innovation investment, health externalities, health equity programs, healthcare workforce support, preventative health measures, healthcare data responsibility, global health crisis response, mental health initiatives, pharma patent flexibility, nutrition and food safety, healthcare education, addiction mitigation, or clinical trial ethics.

1
Therefore, no KPIs can be scored based on the evidence provided.

Fair Money & Economic Opportunity

0

No evidence available to assess Tiptree Inc. on Fair Money & Economic Opportunity.

Fair Pay & Worker Respect

0

No evidence available to assess Tiptree Inc. on Fair Pay & Worker Respect.

Fair Trade & Ethical Sourcing

0

No evidence available to assess Tiptree Inc. on Fair Trade & Ethical Sourcing.

Honest & Fair Business

-20

The company has a formal whistleblower policy with a Corporate Governance Hotline, encourages anonymous reporting, and prohibits retaliation.

1
However, there is no evidence regarding independent investigation processes, training frequency, or uptake rates. The 2024 annual report does not mention any financial restatements.
2
The anti-corruption policy explicitly addresses bribery, kickbacks, and improper payments to government officials, covering both domestic and international operations, and includes de minimis exceptions for facilitating payments, while also mentioning compliance with FCPA and UK Bribery Act.
3
Independent actuarial reviews of reserves are performed, and Deloitte & Touche conducts the audit, but the extent of independent verification for other ethical claims is not specified.
4

Kind to Animals

0

The provided articles do not contain specific, quantitative evidence to score Tiptree Inc. against any of the 'Kind to Animals' KPIs. While one article mentions the company on a list of entities that 'do not exploit animals,' it explicitly states a lack of supporting data or metrics for individual companies.

1
The other article describes a nature reserve managed by a trust, with no data relevant to Tiptree Inc.'s animal welfare practices or impact.
2

No War, No Weapons

0

No evidence available to assess Tiptree Inc. on No War, No Weapons.

Planet-Friendly Business

0

No specific quantitative data or concrete actions related to environmental performance, such as emissions, renewable energy use, water consumption, waste diversion, or climate targets, were found across the provided articles. The articles primarily offer general ESG risk ratings and rankings from Sustainalytics and LSEG, but these do not map to the specific quantitative KPIs in the rubric.

1
Therefore, no KPIs can be scored based on the available evidence.

Respect for Cultures & Communities

0

No evidence available to assess Tiptree Inc. on Respect for Cultures & Communities.

Safe & Smart Tech

-10

Tiptree Inc. reported 0 data breach incidents in 2023 and states it is not aware of any material cybersecurity risks.

1
The company invested $2.9 million in cybersecurity in 2023, while its total revenues in 2024 were $2.0 billion, which calculates to approximately 0.145% of revenue.
2
Employees participate in mandatory annual cybersecurity training.
3
The company performs periodic penetration testing and states its information security management system is based on industry-leading frameworks, including CIS-18, ISO 27001, and NIST CSF.
4
Tiptree Inc. is subject to various regulations, including insurance, data privacy, and cybersecurity laws such as GDPR, CCPA, and the Gramm-Leach-Bliley Act, and is fully compliant with SEC reporting requirements.
5

Zero Waste & Sustainable Products

0

No specific, quantitative evidence was found in the provided articles for any of the 'Zero Waste & Sustainable Products' KPIs for Tiptree Inc. (TIPT.US). Information regarding a 'Tiptree' brand's conceptual eco-friendly packaging was identified as a student project and not attributable to Tiptree Inc.

1
Data related to 'packaging solutions' or 'manufacturing' in one article did not align with Tiptree Inc.'s described core business operations in insurance, mortgage, and specialty finance sectors, and therefore could not be applied.
2
Another article about 'TIP Group's sustainability strategy' was not explicitly linked to Tiptree Inc. and lacked specific, quantitative data for the relevant KPIs.
3

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AI-generated analysis based on publicly available data. Not financial advice. Ratings are expressions of opinion derived from automated models and may contain inaccuracies. See our Risk Disclosure for full details.