UP FINTECH HOLDING LTD - ADR (TIGR) Stock Fundamental Analysis
NASDAQ:TIGR - US91531W1062 - ADR
12.085 USD
-0.2 (-1.67%)
Overall TIGR gets a fundamental rating of 5 out of 10. We evaluated TIGR against 238 industry peers in the Capital Markets industry. TIGR has an average financial health and profitability rating. TIGR is growing strongly while it is still valued neutral. This is a good combination! These ratings would make TIGR suitable for growth investing!
1. Profitability
1.1 Basic Checks
In the past year TIGR was profitable.
In the past year TIGR had a positive cash flow from operations.
Of the past 5 years TIGR 4 years were profitable.
Of the past 5 years TIGR 4 years had a positive operating cash flow.
1.2 Ratios
TIGR has a Return On Assets of 0.94%. This is in the lower half of the industry: TIGR underperforms 65.55% of its industry peers.
TIGR has a Return On Equity (9.22%) which is in line with its industry peers.
Looking at the Return On Invested Capital, with a value of 6.91%, TIGR is in the better half of the industry, outperforming 74.37% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for TIGR is below the industry average of 7.61%.
The last Return On Invested Capital (6.91%) for TIGR is above the 3 year average (3.60%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.94% | ||
| ROE | 9.22% | ||
| ROIC | 6.91% |
ROA(3y)0.59%
ROA(5y)0.59%
ROE(3y)5.15%
ROE(5y)5.11%
ROIC(3y)3.6%
ROIC(5y)3.87%
1.3 Margins
TIGR has a Profit Margin of 15.43%. This is comparable to the rest of the industry: TIGR outperforms 50.42% of its industry peers.
TIGR's Profit Margin has improved in the last couple of years.
TIGR has a Operating Margin (19.94%) which is in line with its industry peers.
In the last couple of years the Operating Margin of TIGR has grown nicely.
TIGR has a better Gross Margin (80.73%) than 84.87% of its industry peers.
In the last couple of years the Gross Margin of TIGR has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 19.94% | ||
| PM (TTM) | 15.43% | ||
| GM | 80.73% |
OM growth 3Y44.41%
OM growth 5YN/A
PM growth 3Y40.79%
PM growth 5YN/A
GM growth 3Y-0.23%
GM growth 5Y-1.84%
2. Health
2.1 Basic Checks
Compared to 1 year ago, TIGR has more shares outstanding
Compared to 5 years ago, TIGR has more shares outstanding
The debt/assets ratio for TIGR has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.49, we must say that TIGR is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of TIGR (0.49) is worse than 62.18% of its industry peers.
The Debt to FCF ratio of TIGR is 0.19, which is an excellent value as it means it would take TIGR, only 0.19 years of fcf income to pay off all of its debts.
TIGR has a Debt to FCF ratio of 0.19. This is amongst the best in the industry. TIGR outperforms 92.02% of its industry peers.
TIGR has a Debt/Equity ratio of 0.24. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.24, TIGR is doing good in the industry, outperforming 75.63% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 0.19 | ||
| Altman-Z | 0.49 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
TIGR has a Current Ratio of 1.14. This is a normal value and indicates that TIGR is financially healthy and should not expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 1.14, TIGR is in line with its industry, outperforming 51.68% of the companies in the same industry.
TIGR has a Quick Ratio of 1.14. This is a normal value and indicates that TIGR is financially healthy and should not expect problems in meeting its short term obligations.
The Quick ratio of TIGR (1.14) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.14 | ||
| Quick Ratio | 1.14 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 116.38% over the past year.
Measured over the past years, TIGR shows a very strong growth in Earnings Per Share. The EPS has been growing by 33.89% on average per year.
The Revenue has grown by 52.64% in the past year. This is a very strong growth!
Measured over the past years, TIGR shows a very strong growth in Revenue. The Revenue has been growing by 46.16% on average per year.
EPS 1Y (TTM)116.38%
EPS 3Y33.89%
EPS 5YN/A
EPS Q2Q%146.75%
Revenue 1Y (TTM)52.64%
Revenue growth 3Y13.97%
Revenue growth 5Y46.16%
Sales Q2Q%55.3%
3.2 Future
Based on estimates for the next years, TIGR will show a quite strong growth in Earnings Per Share. The EPS will grow by 18.83% on average per year.
The Revenue is expected to grow by 16.19% on average over the next years. This is quite good.
EPS Next Y80.03%
EPS Next 2Y37.61%
EPS Next 3Y28.84%
EPS Next 5Y18.83%
Revenue Next Year32.41%
Revenue Next 2Y22.42%
Revenue Next 3Y17.98%
Revenue Next 5Y16.19%
3.3 Evolution
Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
TIGR is valuated rather expensively with a Price/Earnings ratio of 24.17.
60.92% of the companies in the same industry are cheaper than TIGR, based on the Price/Earnings ratio.
TIGR's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 27.02.
The Price/Forward Earnings ratio is 16.41, which indicates a correct valuation of TIGR.
The rest of the industry has a similar Price/Forward Earnings ratio as TIGR.
TIGR's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.66.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.17 | ||
| Fwd PE | 16.41 |
4.2 Price Multiples
69.75% of the companies in the same industry are more expensive than TIGR, based on the Enterprise Value to EBITDA ratio.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of TIGR indicates a rather cheap valuation: TIGR is cheaper than 88.24% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.73 | ||
| EV/EBITDA | 23.19 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as TIGR's earnings are expected to grow with 28.84% in the coming years.
PEG (NY)0.3
PEG (5Y)N/A
EPS Next 2Y37.61%
EPS Next 3Y28.84%
5. Dividend
5.1 Amount
No dividends for TIGR!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NASDAQ:TIGR (9/8/2025, 12:21:09 PM)
12.085
-0.2 (-1.67%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners36.63%
Inst Owner Change36.18%
Ins Owners10.79%
Ins Owner Change0%
Market Cap2.26B
Analysts82.86
Price Target14.72 (21.8%)
Short Float %65.43%
Short Ratio0.95
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)23.41%
Min EPS beat(2)-6.49%
Max EPS beat(2)53.3%
EPS beat(4)1
Avg EPS beat(4)-11.58%
Min EPS beat(4)-68.63%
Max EPS beat(4)53.3%
EPS beat(8)4
Avg EPS beat(8)14.11%
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)13.26%
Min Revenue beat(2)1.09%
Max Revenue beat(2)25.43%
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)40.31%
PT rev (3m)46.46%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)3.64%
EPS NY rev (3m)18.04%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.45%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.17 | ||
| Fwd PE | 16.41 | ||
| P/S | 5.77 | ||
| P/FCF | 2.73 | ||
| P/OCF | 2.73 | ||
| P/B | 3.45 | ||
| P/tB | 3.52 | ||
| EV/EBITDA | 23.19 |
EPS(TTM)0.5
EY4.14%
EPS(NY)0.74
Fwd EY6.1%
FCF(TTM)4.42
FCFY36.59%
OCF(TTM)4.43
OCFY36.66%
SpS2.09
BVpS3.51
TBVpS3.43
PEG (NY)0.3
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.94% | ||
| ROE | 9.22% | ||
| ROCE | 9.41% | ||
| ROIC | 6.91% | ||
| ROICexc | 15.95% | ||
| ROICexgc | 16.58% | ||
| OM | 19.94% | ||
| PM (TTM) | 15.43% | ||
| GM | 80.73% | ||
| FCFM | 211.07% |
ROA(3y)0.59%
ROA(5y)0.59%
ROE(3y)5.15%
ROE(5y)5.11%
ROIC(3y)3.6%
ROIC(5y)3.87%
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)4.9%
ROCE(5y)5.27%
ROICexcg growth 3Y59.4%
ROICexcg growth 5YN/A
ROICexc growth 3Y59.24%
ROICexc growth 5YN/A
OM growth 3Y44.41%
OM growth 5YN/A
PM growth 3Y40.79%
PM growth 5YN/A
GM growth 3Y-0.23%
GM growth 5Y-1.84%
F-Score6
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 0.19 | ||
| Debt/EBITDA | 1.98 | ||
| Cap/Depr | 59.19% | ||
| Cap/Sales | 0.4% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 1025.84% | ||
| Profit Quality | 1368.3% | ||
| Current Ratio | 1.14 | ||
| Quick Ratio | 1.14 | ||
| Altman-Z | 0.49 |
F-Score6
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)112.68%
Cap/Depr(5y)166.75%
Cap/Sales(3y)1.19%
Cap/Sales(5y)1.24%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)116.38%
EPS 3Y33.89%
EPS 5YN/A
EPS Q2Q%146.75%
EPS Next Y80.03%
EPS Next 2Y37.61%
EPS Next 3Y28.84%
EPS Next 5Y18.83%
Revenue 1Y (TTM)52.64%
Revenue growth 3Y13.97%
Revenue growth 5Y46.16%
Sales Q2Q%55.3%
Revenue Next Year32.41%
Revenue Next 2Y22.42%
Revenue Next 3Y17.98%
Revenue Next 5Y16.19%
EBIT growth 1Y137.71%
EBIT growth 3Y64.58%
EBIT growth 5YN/A
EBIT Next Year118.71%
EBIT Next 3Y25.1%
EBIT Next 5Y28.77%
FCF growth 1Y8957.34%
FCF growth 3Y26.51%
FCF growth 5Y27.84%
OCF growth 1Y12709.3%
OCF growth 3Y26.07%
OCF growth 5Y27.75%