Tiptree (FRA:CJVA) Moat Score: 4/10 (As of Jul. 17, 2026)

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FRA:CJVA Tiptree Inc FRA:CJVA
46 GF Score
Price €15.30
GF Value €18.09
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Tiptree Moat Score?

Tiptree FRA:CJVA -2.55% 46 Moat Score is 4 as of Jul. 17, 2026. GuruFocus rates FRA:CJVA with a GF Score™ of 46/100 and a GF Value™ of €18.09 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 594 Insurance companies, Tiptree ranks better than 79.46% on this metric.

Tiptree has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Tiptree has Narrow Moat: Tiptree Inc has a discernible but modest moat, primarily from its diversified financial services and insurance operations. While it has some pricing power and customer relationships, these are not strong enough to ensure a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Tiptree might have Narrow Moat - Discernible but modest moat.

Tiptree  (FRA:CJVA) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Tiptree Moat Score Related Terms

FRA:CJVA vs AMSF, ITIC, EIG: Moat Score Comparison

For the Insurance - Specialty subindustry, Tiptree's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Tiptree Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, Tiptree's Moat Score distribution charts can be found below:

* The bar in red indicates where Tiptree's Moat Score falls into.


FRA:CJVA
46GF Score
Tiptree Inc FRA:CJVA
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Tiptree (FRA:CJVA) has a Moat Score of 4 as of Jul. 17, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Tiptree ranks #122 out of 594 companies in the Insurance industry, placing it in the top 20.5%.
Is Tiptree's Moat Score too high?
Tiptree's current Moat Score is 4. Based on the distribution chart, Tiptree ranks #122 out of 594 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Tiptree has a GF Score™ of 46/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Tiptree's Moat Score compare to AMSF and ITIC?
According to the Insurance industry distribution chart, Tiptree ranks #122 out of 594 companies for Moat Score. This places Tiptree in the top 21% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Tiptree's current Moat Score is 4. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Tiptree stock overvalued right now?
Based on GuruFocus' analysis, Tiptree (FRA:CJVA) is currently considered Modestly Undervalued. The stock's GF Value™ is €18.09, compared to a current price of €15.30 — trading 15.4% below its estimated fair value. The current Moat Score is 4. Tiptree's overall GF Score™ is 46/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Tiptree (FRA:CJVA), the current Moat Score is 4 as of Jul. 17, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Tiptree (FRA:CJVA) Overvalued in 2026?

Based on GuruFocus' analysis, Tiptree stock appears to be undervalued. The current stock price of €15.30 is trading 15.4% below its estimated GF Value™ of €18.09. GuruFocus considers Tiptree to be Modestly Undervalued.

Key valuation signals for FRA:CJVA:

  • Moat Score: 4
  • GF Value™: €18.09 vs. price of €15.30 (15.4% below fair value)
  • GF Score™: 46/100 with 2 warning signs

No single metric tells the full story. See the FRA:CJVA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Tiptree Business Description

Other Exchanges TIPT:USA
Address 660 Steamboat Road, 2nd Floor, Greenwich, CT, USA, 06830
Tiptree Inc is a United States-based company that provides specialty insurance products and related services. It has two reportable segments: Insurance and Mortgage. The company generates the majority of its revenue from the Insurance Segment, which is engaged in designing, marketing, and underwriting specialty property and casualty insurance products incorporating value-added coverages and services for select target markets or niches. The Mortgage segment originates loans for sale to institutional investors, including GSEs and FHA/VA, and services loans on behalf of Fannie Mae, Freddie Mac, and Ginnie Mae.
46GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€15.30
Price
€18.09
GF Value