UP FINTECH HOLDING LTD - ADR (TIGR) Stock Fundamental Analysis
NASDAQ:TIGR - Nasdaq - US91531W1062 - ADR - Currency: USD
We assign a fundamental rating of 5 out of 10 to TIGR. TIGR was compared to 231 industry peers in the Capital Markets industry. TIGR has an average financial health and profitability rating. TIGR is not priced too expensively while it is growing strongly. Keep and eye on this one! With these ratings, TIGR could be worth investigating further for growth investing!.
1. Profitability
1.1 Basic Checks
In the past year TIGR was profitable.
TIGR had a positive operating cash flow in the past year.
TIGR had positive earnings in 4 of the past 5 years.
Of the past 5 years TIGR 4 years had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 0.95%, TIGR is not doing good in the industry: 67.97% of the companies in the same industry are doing better.
TIGR has a Return On Equity of 9.27%. This is comparable to the rest of the industry: TIGR outperforms 53.25% of its industry peers.
With a decent Return On Invested Capital value of 6.94%, TIGR is doing good in the industry, outperforming 77.92% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for TIGR is below the industry average of 7.24%.
The 3 year average ROIC (3.60%) for TIGR is below the current ROIC(6.94%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.95% | ||
| ROE | 9.27% | ||
| ROIC | 6.94% |
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 15.51%. This is comparable to the rest of the industry: TIGR outperforms 51.52% of its industry peers.
TIGR's Profit Margin has improved in the last couple of years.
TIGR has a Operating Margin (20.04%) which is in line with its industry peers.
In the last couple of years the Operating Margin of TIGR has grown nicely.
Looking at the Gross Margin, with a value of 80.73%, TIGR belongs to the top of the industry, outperforming 84.42% of the companies in the same industry.
TIGR's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 20.04% | ||
| PM (TTM) | 15.51% | ||
| 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
The number of shares outstanding for TIGR has been increased compared to 5 years ago.
Compared to 1 year ago, TIGR has an improved debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 0.42, we must say that TIGR is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.42, TIGR is doing worse than 66.67% of the companies in the same industry.
TIGR has a debt to FCF ratio of 0.19. This is a very positive value and a sign of high solvency as it would only need 0.19 years to pay back of all of its debts.
TIGR has a better Debt to FCF ratio (0.19) than 90.48% 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.
TIGR's Debt to Equity ratio of 0.24 is fine compared to the rest of the industry. TIGR outperforms 76.19% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 0.19 | ||
| Altman-Z | 0.42 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 1.14 indicates that TIGR should not have too much problems paying its short term obligations.
TIGR has a Current ratio (1.14) which is in line with its industry peers.
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.
TIGR has a Quick ratio (1.14) which 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
TIGR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 88.83%, which is quite impressive.
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.
TIGR shows a strong growth in Revenue. In the last year, the Revenue has grown by 43.68%.
The Revenue has been growing by 46.16% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)88.83%
EPS 3Y33.89%
EPS 5YN/A
EPS Q2Q%1533.33%
Revenue 1Y (TTM)43.68%
Revenue growth 3Y13.97%
Revenue growth 5Y46.16%
Sales Q2Q%77.33%
3.2 Future
The Earnings Per Share is expected to grow by 10.05% on average over the next years. This is quite good.
Based on estimates for the next years, TIGR will show a quite strong growth in Revenue. The Revenue will grow by 14.40% on average per year.
EPS Next Y52.52%
EPS Next 2Y35.46%
EPS Next 3Y27.06%
EPS Next 5Y10.05%
Revenue Next Year31.81%
Revenue Next 2Y24.04%
Revenue Next 3Y20.65%
Revenue Next 5Y14.4%
3.3 Evolution
The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 20.79, the valuation of TIGR can be described as rather expensive.
TIGR's Price/Earnings ratio is in line with the industry average.
TIGR is valuated rather cheaply when we compare the Price/Earnings ratio to 26.25, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 13.67, TIGR is valued correctly.
Compared to the rest of the industry, the Price/Forward Earnings ratio of TIGR is on the same level as its industry peers.
When comparing the Price/Forward Earnings ratio of TIGR to the average of the S&P500 Index (22.15), we can say TIGR is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.79 | ||
| Fwd PE | 13.67 |
4.2 Price Multiples
TIGR's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. TIGR is cheaper than 81.39% of the companies in the same industry.
93.94% of the companies in the same industry are more expensive than TIGR, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.83 | ||
| EV/EBITDA | 14.65 |
4.3 Compensation for Growth
TIGR's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
TIGR's earnings are expected to grow with 27.06% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.4
PEG (5Y)N/A
EPS Next 2Y35.46%
EPS Next 3Y27.06%
5. Dividend
5.1 Amount
TIGR does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
8.11
-0.32 (-3.8%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners18.83%
Inst Owner Change85.09%
Ins Owners9.78%
Ins Owner Change0%
Market Cap1.52B
Analysts80
Price Target10.05 (23.92%)
Short Float %54.94%
Short Ratio0.87
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)-1.54%
PT rev (3m)22.74%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-1.69%
EPS NY rev (3m)41.87%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)10.25%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.79 | ||
| Fwd PE | 13.67 | ||
| P/S | 3.87 | ||
| P/FCF | 1.83 | ||
| P/OCF | 1.83 | ||
| P/B | 2.31 | ||
| P/tB | 2.36 | ||
| EV/EBITDA | 14.65 |
EPS(TTM)0.39
EY4.81%
EPS(NY)0.59
Fwd EY7.32%
FCF(TTM)4.42
FCFY54.52%
OCF(TTM)4.43
OCFY54.63%
SpS2.09
BVpS3.51
TBVpS3.43
PEG (NY)0.4
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.95% | ||
| ROE | 9.27% | ||
| ROCE | 9.46% | ||
| ROIC | 6.94% | ||
| ROICexc | 16.02% | ||
| ROICexgc | 16.66% | ||
| OM | 20.04% | ||
| PM (TTM) | 15.51% | ||
| 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 | 1.97 | ||
| Cap/Depr | 59.19% | ||
| Cap/Sales | 0.4% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 1021.08% | ||
| Profit Quality | 1360.86% | ||
| Current Ratio | 1.14 | ||
| Quick Ratio | 1.14 | ||
| Altman-Z | 0.42 |
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)88.83%
EPS 3Y33.89%
EPS 5YN/A
EPS Q2Q%1533.33%
EPS Next Y52.52%
EPS Next 2Y35.46%
EPS Next 3Y27.06%
EPS Next 5Y10.05%
Revenue 1Y (TTM)43.68%
Revenue growth 3Y13.97%
Revenue growth 5Y46.16%
Sales Q2Q%77.33%
Revenue Next Year31.81%
Revenue Next 2Y24.04%
Revenue Next 3Y20.65%
Revenue Next 5Y14.4%
EBIT growth 1Y138.82%
EBIT growth 3Y64.58%
EBIT growth 5YN/A
EBIT Next Year97.72%
EBIT Next 3Y29.22%
EBIT Next 5Y18.44%
FCF growth 1Y8957.34%
FCF growth 3Y26.51%
FCF growth 5Y27.84%
OCF growth 1Y12709.3%
OCF growth 3Y26.07%
OCF growth 5Y27.75%