UP FINTECH HOLDING LTD - ADR (TIGR) Stock Fundamental Analysis
USA - NASDAQ:TIGR - US91531W1062 - ADR
9.6 USD
-0.12 (-1.23%)
9.55 USD
-0.05 (-0.52%)
Taking everything into account, TIGR scores 5 out of 10 in our fundamental rating. TIGR was compared to 236 industry peers in the Capital Markets industry. There are concerns on the financial health of TIGR while its profitability can be described as average. TIGR is growing strongly while it is still valued neutral. This is a good combination!
1. Profitability
1.1 Basic Checks
TIGR had positive earnings in the past year.
Of the past 5 years TIGR 4 years were profitable.
TIGR had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.37%, TIGR is doing worse than 63.14% of the companies in the same industry.
TIGR has a Return On Equity of 15.60%. This is in the better half of the industry: TIGR outperforms 79.24% of its industry peers.
TIGR has a better Return On Invested Capital (11.93%) than 87.29% of its industry peers.
TIGR had an Average Return On Invested Capital over the past 3 years of 3.60%. This is below the industry average of 7.56%.
The 3 year average ROIC (3.60%) for TIGR is below the current ROIC(11.93%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.37% | ||
| ROE | 15.6% | ||
| ROIC | 11.93% |
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
Looking at the Profit Margin, with a value of 24.18%, TIGR is in the better half of the industry, outperforming 63.14% of the companies in the same industry.
TIGR's Profit Margin has improved in the last couple of years.
TIGR's Operating Margin of 31.07% is in line compared to the rest of the industry. TIGR outperforms 58.47% of its industry peers.
In the last couple of years the Operating Margin of TIGR has grown nicely.
TIGR has a Gross Margin of 82.49%. This is amongst the best in the industry. TIGR outperforms 87.71% of its industry peers.
In the last couple of years the Gross Margin of TIGR has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 31.07% | ||
| PM (TTM) | 24.18% | ||
| GM | 82.49% |
OM growth 3Y44.47%
OM growth 5YN/A
PM growth 3Y40.82%
PM growth 5YN/A
GM growth 3Y-0.23%
GM growth 5Y-1.87%
2. Health
2.1 Basic Checks
TIGR has more shares outstanding than it did 1 year ago.
TIGR has more shares outstanding than it did 5 years ago.
The debt/assets ratio for TIGR has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.37, we must say that TIGR is in the distress zone and has some risk of bankruptcy.
TIGR's Altman-Z score of 0.37 is on the low side compared to the rest of the industry. TIGR is outperformed by 67.37% of its industry peers.
A Debt/Equity ratio of 0.21 indicates that TIGR is not too dependend on debt financing.
TIGR's Debt to Equity ratio of 0.21 is fine compared to the rest of the industry. TIGR outperforms 75.42% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.21 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.37 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
TIGR has a Current Ratio of 1.09. This is a normal value and indicates that TIGR is financially healthy and should not expect problems in meeting its short term obligations.
With a Current ratio value of 1.09, TIGR perfoms like the industry average, outperforming 46.19% of the companies in the same industry.
TIGR has a Quick Ratio of 1.09. This is a normal value and indicates that TIGR is financially healthy and should not expect problems in meeting its short term obligations.
With a Quick ratio value of 1.09, TIGR perfoms like the industry average, outperforming 50.85% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.09 | ||
| Quick Ratio | 1.09 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 88.83% over the past year.
The Earnings Per Share has been growing by 25.99% on average over the past years. This is a very strong growth
TIGR shows a strong growth in Revenue. In the last year, the Revenue has grown by 58.72%.
The Revenue has been growing by 46.18% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)88.83%
EPS 3Y25.99%
EPS 5YN/A
EPS Q2Q%N/A
Revenue 1Y (TTM)58.72%
Revenue growth 3Y13.97%
Revenue growth 5Y46.18%
Sales Q2Q%58.65%
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 18.83% yearly.
TIGR is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 16.19% yearly.
EPS Next Y108.93%
EPS Next 2Y47.81%
EPS Next 3Y33.53%
EPS Next 5Y18.83%
Revenue Next Year40.07%
Revenue Next 2Y24.09%
Revenue Next 3Y21.19%
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
A Price/Earnings ratio of 24.62 indicates a rather expensive valuation of TIGR.
Compared to the rest of the industry, the Price/Earnings ratio of TIGR indicates a slightly more expensive valuation: TIGR is more expensive than 65.25% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.57. TIGR is around the same levels.
With a Price/Forward Earnings ratio of 11.30, the valuation of TIGR can be described as very reasonable.
TIGR's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. TIGR is cheaper than 62.71% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of TIGR to the average of the S&P500 Index (23.09), we can say TIGR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.62 | ||
| Fwd PE | 11.3 |
4.2 Price Multiples
94.07% of the companies in the same industry are more expensive than TIGR, based on the Enterprise Value to EBITDA ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 4.53 |
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.
The decent profitability rating of TIGR may justify a higher PE ratio.
A more expensive valuation may be justified as TIGR's earnings are expected to grow with 33.53% in the coming years.
PEG (NY)0.23
PEG (5Y)N/A
EPS Next 2Y47.81%
EPS Next 3Y33.53%
5. Dividend
5.1 Amount
TIGR does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
9.6
-0.12 (-1.23%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners41.65%
Inst Owner Change0.09%
Ins Owners10.68%
Ins Owner Change0%
Market Cap1.79B
Revenue(TTM)486.49M
Net Income(TTM)117.65M
Analysts84
Price Target14.41 (50.1%)
Short Float %64.06%
Short Ratio1.01
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)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
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)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
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)-2.11%
PT rev (3m)37.36%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)16.05%
EPS NY rev (3m)20.27%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-1.69%
Revenue NY rev (3m)5.78%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.62 | ||
| Fwd PE | 11.3 | ||
| P/S | 3.69 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.38 | ||
| P/tB | 2.39 | ||
| EV/EBITDA | 4.53 |
EPS(TTM)0.39
EY4.06%
EPS(NY)0.85
Fwd EY8.85%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS2.6
BVpS4.03
TBVpS4.02
PEG (NY)0.23
PEG (5Y)N/A
Graham Number5.95
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.37% | ||
| ROE | 15.6% | ||
| ROCE | 19.65% | ||
| ROIC | 11.93% | ||
| ROICexc | 88.7% | ||
| ROICexgc | 90.5% | ||
| OM | 31.07% | ||
| PM (TTM) | 24.18% | ||
| GM | 82.49% | ||
| FCFM | N/A |
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%
ROICexgc growth 3Y59.47%
ROICexgc growth 5YN/A
ROICexc growth 3Y59.3%
ROICexc growth 5YN/A
OM growth 3Y44.47%
OM growth 5YN/A
PM growth 3Y40.82%
PM growth 5YN/A
GM growth 3Y-0.23%
GM growth 5Y-1.87%
F-ScoreN/A
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.21 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 1.05 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.09 | ||
| Quick Ratio | 1.09 | ||
| Altman-Z | 0.37 |
F-ScoreN/A
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)111.46%
Cap/Depr(5y)162.16%
Cap/Sales(3y)1.19%
Cap/Sales(5y)1.23%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)88.83%
EPS 3Y25.99%
EPS 5YN/A
EPS Q2Q%N/A
EPS Next Y108.93%
EPS Next 2Y47.81%
EPS Next 3Y33.53%
EPS Next 5Y18.83%
Revenue 1Y (TTM)58.72%
Revenue growth 3Y13.97%
Revenue growth 5Y46.18%
Sales Q2Q%58.65%
Revenue Next Year40.07%
Revenue Next 2Y24.09%
Revenue Next 3Y21.19%
Revenue Next 5Y16.19%
EBIT growth 1Y422.73%
EBIT growth 3Y64.65%
EBIT growth 5YN/A
EBIT Next Year164.55%
EBIT Next 3Y43.37%
EBIT Next 5Y28.77%
FCF growth 1Y8957.72%
FCF growth 3Y26.5%
FCF growth 5Y27.84%
OCF growth 1Y12710.1%
OCF growth 3Y26.07%
OCF growth 5Y27.75%