Is SPNT or TIPT more undervalued in 2026?

CirclFi compares SiriusPoint Ltd. (SPNT) and Tiptree Inc. (TIPT) using 13 institutional-grade valuation models. SPNT has a Quality of Company score of 8.6/10 while TIPT scores 8.8/10.

Which is a better buy — SPNT or TIPT?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do SPNT and TIPT valuations compare?

SPNT at $21.35 and TIPT at $18.24 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

SPNT vs TIPT Valuation Comparison 2026 — Intrinsic Value Analysis

SPNT

Fire, Marine & Casualty Insurance

SiriusPoint Ltd.

Quality

8.6

out of 10

Value Trap

SAFE

Price

$21.35

Last close

Models

12/13

Active

TIPT

Fire, Marine & Casualty Insurance

Tiptree Inc.

Quality

8.8

out of 10

Value Trap

LOW

Price

$18.24

Last close

Models

10/13

Active

Model-by-Model Comparison

Model	Type	SPNT Fair Value	SPNT Upside	TIPT Fair Value	TIPT Upside
Bayesian DCF	Intrinsic	$13.79	-35.4%	—	—
Earnings Power Value	Intrinsic	$26.33	+23.3%	$0.62	-96.5%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$76.97	+260.5%	$9.51	-47.9%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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SPNT vs TIPT — Which Stock Is More Undervalued?

TIPT scores higher with a 8.8/10 quality rating vs SPNT's 8.6/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing SiriusPoint Ltd. (SPNT) and Tiptree Inc. (TIPT) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

SPNT currently trades at $21.35 with a QOC of 8.6/10, while TIPT trades at $18.24 with a QOC of 8.8/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).