Contrasting Tiptree Financial (NASDAQ:TIPT) and Powszechny Zaklad Ubezpieczen (OTCMKTS:PWZYF)

Tiptree Financial (NASDAQ:TIPT) and Powszechny Zaklad Ubezpieczen (OTCMKTS:PWZYF) are both finance companies, but which is the superior business? We will compare the two companies based on the strength of their earnings, valuation, analyst recommendations, risk, dividends, profitability and institutional ownership.

Earnings & Valuation

This table compares Tiptree Financial and Powszechny Zaklad Ubezpieczen”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Tiptree Financial	-$3.14 million	-214.14	$34.93 million	$10.81	1.67
Powszechny Zaklad Ubezpieczen	N/A	N/A	N/A	C$35.81	0.45

Tiptree Financial has higher earnings, but lower revenue than Powszechny Zaklad Ubezpieczen. Powszechny Zaklad Ubezpieczen is trading at a lower price-to-earnings ratio than Tiptree Financial, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares Tiptree Financial and Powszechny Zaklad Ubezpieczen’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Tiptree Financial	2.36%	0.75%	0.11%
Powszechny Zaklad Ubezpieczen	N/A	N/A	N/A

Analyst Recommendations

This is a summary of current recommendations for Tiptree Financial and Powszechny Zaklad Ubezpieczen, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Tiptree Financial	0	1	0	0	2.00
Powszechny Zaklad Ubezpieczen	0	0	0	0	0.00

Insider and Institutional Ownership

37.8% of Tiptree Financial shares are held by institutional investors. 31.9% of Tiptree Financial shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Summary

Tiptree Financial beats Powszechny Zaklad Ubezpieczen on 7 of the 9 factors compared between the two stocks.

About Tiptree Financial

Tiptree Inc., through its subsidiaries, provides specialty insurance products and related services primarily in the United States. It operates through two segments: Insurance and Mortgage. The company offers niche; 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 and consumer warranty programs, including mobile devices, consumer electronics, appliances, furniture; and vehicle service contracts, GAP, and ancillary products; as well as premium or warranty contract financing services, lead generation support, and business process outsourcing services. In addition, the company offers mortgage loans for institutional investors; asset management services; and maritime shipping and asset management services, as well as invests in shares. It markets its products through a network of independent insurance agents, consumer finance companies, online retailers, auto dealers, 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 headquartered in Greenwich, Connecticut.

About Powszechny Zaklad Ubezpieczen

POWSZECHNY Zaklad Ubezpieczen SA provides life and non-life insurance products and services in Poland, the Baltic States, and Ukraine. It operates through Corporate Insurance, Mass Insurance, Group and Individually Continued Life Insurance, Individual Life Insurance, Investments, Pension Insurance, Banking, Baltic States, Ukraine, Investment Contracts, and Other segments. The company offers motor, property, casualty, agricultural, fire, and third-party liability insurance, as well as health, accident, and life insurance. It also provides banking, factoring, medical, hospital, physical therapy, asset management, assistance, leasing, IT, call center, brokerage, and spa services; manages pension and mutual funds; and offers financial and accounting services. In addition, the company is involved in buying, operating, renting, and selling real estate properties; investment activity; and consulting and training, and other monetary intermediation businesses. Further, it engages in the production and sale of radiators and sanitary fittings, bathroom accessories, and fittings; and auxiliary activity associated with insurance and pension funds. Powszechny Zaklad Ubezpieczen SA was founded in 1803 and is headquartered in Warsaw, Poland.