UP FINTECH HOLDING LTD - ADR (TIGR) Stock Fundamental Analysis
NASDAQ:TIGR - Nasdaq - US91531W1062 - ADR - Currency: USD
TIGR gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 232 industry peers in the Capital Markets industry. TIGR has an average financial health and profitability rating. TIGR is growing strongly while it also seems undervalued. This is an interesting combination This makes TIGR very considerable for value and 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
With a Return On Assets value of 0.94%, TIGR is not doing good in the industry: 66.81% of the companies in the same industry are doing better.
The Return On Equity of TIGR (9.22%) is comparable to the rest of the industry.
The Return On Invested Capital of TIGR (6.91%) is better than 74.14% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for TIGR is below the industry average of 7.85%.
The 3 year average ROIC (3.60%) for TIGR is below the current ROIC(6.91%), indicating increased profibility in the last year.
| 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
The Profit Margin of TIGR (15.43%) is comparable to the rest of the industry.
TIGR's Profit Margin has improved in the last couple of years.
TIGR's Operating Margin of 19.94% is on the low side compared to the rest of the industry. TIGR is outperformed by 60.78% of its industry peers.
In the last couple of years the Operating Margin of TIGR has grown nicely.
TIGR's Gross Margin of 80.73% is amongst the best of the industry. TIGR outperforms 84.05% of its industry peers.
TIGR's Gross Margin has declined in the last couple of years.
| 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
The number of shares outstanding for TIGR has been increased compared to 1 year ago.
The number of shares outstanding for TIGR has been increased compared to 5 years ago.
The debt/assets ratio for TIGR has been reduced compared to a year ago.
2.2 Solvency
TIGR has an Altman-Z score of 0.42. This is a bad value and indicates that TIGR is not financially healthy and even has some risk of bankruptcy.
TIGR has a Altman-Z score of 0.42. This is in the lower half of the industry: TIGR underperforms 67.67% of its industry peers.
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 91.81% 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 has a better Debt to Equity ratio (0.24) than 75.43% 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
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 50.00% 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.
TIGR has a Quick ratio (1.14) which is in line with its industry peers.
| 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 116.38%, which is quite impressive.
TIGR shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 33.89% yearly.
TIGR shows a strong growth in Revenue. In the last year, the Revenue has grown by 52.64%.
TIGR shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 46.16% yearly.
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
TIGR is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.05% yearly.
The Revenue is expected to grow by 14.40% on average over the next years. This is quite good.
EPS Next Y52.52%
EPS Next 2Y35.46%
EPS Next 3Y27.06%
EPS Next 5Y10.05%
Revenue Next Year32.74%
Revenue Next 2Y24.3%
Revenue Next 3Y20.62%
Revenue Next 5Y14.4%
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.
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
The Price/Earnings ratio is 16.12, which indicates a correct valuation of TIGR.
Compared to the rest of the industry, the Price/Earnings ratio of TIGR is on the same level as its industry peers.
TIGR's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.35.
A Price/Forward Earnings ratio of 11.29 indicates a reasonable valuation of TIGR.
60.78% of the companies in the same industry are more expensive than TIGR, based on the Price/Forward Earnings ratio.
TIGR's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.19.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.12 | ||
| Fwd PE | 11.29 |
4.2 Price Multiples
80.17% 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 93.10% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.82 | ||
| EV/EBITDA | 14.54 |
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.
TIGR's earnings are expected to grow with 27.06% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.31
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 |
8.06
-0.29 (-3.47%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners35.48%
Inst Owner Change85.09%
Ins Owners10.79%
Ins Owner Change0%
Market Cap1.51B
Analysts80
Price Target10.05 (24.69%)
Short Float %76.93%
Short Ratio1.7
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)0%
PT rev (3m)21.72%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)41.87%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.7%
Revenue NY rev (3m)11.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.12 | ||
| Fwd PE | 11.29 | ||
| P/S | 3.85 | ||
| P/FCF | 1.82 | ||
| P/OCF | 1.82 | ||
| P/B | 2.3 | ||
| P/tB | 2.35 | ||
| EV/EBITDA | 14.54 |
EPS(TTM)0.5
EY6.2%
EPS(NY)0.71
Fwd EY8.86%
FCF(TTM)4.42
FCFY54.86%
OCF(TTM)4.43
OCFY54.96%
SpS2.09
BVpS3.51
TBVpS3.43
PEG (NY)0.31
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 | 0.42 |
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)116.38%
EPS 3Y33.89%
EPS 5YN/A
EPS Q2Q%146.75%
EPS Next Y52.52%
EPS Next 2Y35.46%
EPS Next 3Y27.06%
EPS Next 5Y10.05%
Revenue 1Y (TTM)52.64%
Revenue growth 3Y13.97%
Revenue growth 5Y46.16%
Sales Q2Q%55.3%
Revenue Next Year32.74%
Revenue Next 2Y24.3%
Revenue Next 3Y20.62%
Revenue Next 5Y14.4%
EBIT growth 1Y137.71%
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%