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UP FINTECH HOLDING LTD - ADR (TIGR) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:TIGR - US91531W1062 - ADR

8.66 USD
-0.44 (-4.84%)
Last: 1/22/2026, 8:06:05 PM
8.82 USD
+0.16 (+1.85%)
Pre-Market: 1/23/2026, 8:06:10 AM
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to TIGR. TIGR was compared to 238 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 showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

6

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.
TIGR Yearly Net Income VS EBIT VS OCF VS FCFTIGR Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M 800M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.65%, TIGR is doing worse than 61.34% of the companies in the same industry.
  • TIGR's Return On Equity of 18.98% is amongst the best of the industry. TIGR outperforms 85.71% of its industry peers.
  • TIGR's Return On Invested Capital of 14.08% is amongst the best of the industry. TIGR outperforms 89.50% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for TIGR is below the industry average of 7.27%.
  • The 3 year average ROIC (3.60%) for TIGR is below the current ROIC(14.08%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 1.65%
ROE 18.98%
ROIC 14.08%
ROA(3y)0.59%
ROA(5y)0.59%
ROE(3y)5.15%
ROE(5y)5.11%
ROIC(3y)3.6%
ROIC(5y)3.87%
TIGR Yearly ROA, ROE, ROICTIGR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 100 150

1.3 Margins

  • TIGR has a better Profit Margin (27.42%) than 69.75% of its industry peers.
  • In the last couple of years the Profit Margin of TIGR has grown nicely.
  • Looking at the Operating Margin, with a value of 33.70%, TIGR is in the better half of the industry, outperforming 64.71% of the companies in the same industry.
  • TIGR's Operating Margin has improved in the last couple of years.
  • TIGR's Gross Margin of 83.52% is amongst the best of the industry. TIGR outperforms 88.66% of its industry peers.
  • In the last couple of years the Gross Margin of TIGR has declined.
Industry RankSector Rank
OM 33.7%
PM (TTM) 27.42%
GM 83.52%
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%
TIGR Yearly Profit, Operating, Gross MarginsTIGR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -100 -200

3

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.
  • Compared to 1 year ago, TIGR has an improved debt to assets ratio.
TIGR Yearly Shares OutstandingTIGR Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
TIGR Yearly Total Debt VS Total AssetsTIGR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

2.2 Solvency

  • TIGR has an Altman-Z score of 0.37. This is a bad value and indicates that TIGR is not financially healthy and even 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 65.97% of its industry peers.
  • TIGR has a Debt/Equity ratio of 0.20. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.20, TIGR is in the better half of the industry, outperforming 75.21% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF N/A
Altman-Z 0.37
ROIC/WACCN/A
WACCN/A
TIGR Yearly LT Debt VS Equity VS FCFTIGR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M 800M

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.
  • Looking at the Current ratio, with a value of 1.09, TIGR is in line with its industry, outperforming 48.74% of the companies in the same industry.
  • A Quick Ratio of 1.09 indicates that TIGR should not have too much problems paying its short term obligations.
  • TIGR has a Quick ratio of 1.09. This is comparable to the rest of the industry: TIGR outperforms 50.42% of its industry peers.
Industry RankSector Rank
Current Ratio 1.09
Quick Ratio 1.09
TIGR Yearly Current Assets VS Current LiabilitesTIGR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

9

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 88.83% 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 25.99% on average per year.
  • TIGR shows a strong growth in Revenue. In the last year, the Revenue has grown by 66.14%.
  • Measured over the past years, TIGR shows a very strong growth in Revenue. The Revenue has been growing by 46.18% on average per year.
EPS 1Y (TTM)88.83%
EPS 3Y25.99%
EPS 5YN/A
EPS Q2Q%147.58%
Revenue 1Y (TTM)66.14%
Revenue growth 3Y13.97%
Revenue growth 5Y46.18%
Sales Q2Q%73.33%

3.2 Future

  • Based on estimates for the next years, TIGR will show a very strong growth in Earnings Per Share. The EPS will grow by 28.90% on average per year.
  • TIGR is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 15.98% yearly.
EPS Next Y159.43%
EPS Next 2Y63.96%
EPS Next 3Y43.77%
EPS Next 5Y28.9%
Revenue Next Year54.32%
Revenue Next 2Y27.39%
Revenue Next 3Y22.73%
Revenue Next 5Y15.99%

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
TIGR Yearly Revenue VS EstimatesTIGR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 200M 400M 600M 800M
TIGR Yearly EPS VS EstimatesTIGR Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 0 0.5 1

6

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 22.21 indicates a rather expensive valuation of TIGR.
  • 63.45% of the companies in the same industry are cheaper than TIGR, based on the Price/Earnings ratio.
  • TIGR is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.30, which is the current average of the S&P500 Index.
  • TIGR is valuated reasonably with a Price/Forward Earnings ratio of 8.28.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of TIGR indicates a rather cheap valuation: TIGR is cheaper than 84.03% of the companies listed in the same industry.
  • TIGR is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.32, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 22.21
Fwd PE 8.28
TIGR Price Earnings VS Forward Price EarningsTIGR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, TIGR is valued cheaply inside the industry as 94.96% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 4.3
TIGR Per share dataTIGR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3 4

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 43.77% in the coming years.
PEG (NY)0.14
PEG (5Y)N/A
EPS Next 2Y63.96%
EPS Next 3Y43.77%

0

5. Dividend

5.1 Amount

  • No dividends for TIGR!.
Industry RankSector Rank
Dividend Yield 0%

UP FINTECH HOLDING LTD - ADR / TIGR FAQ

What is the fundamental rating for TIGR stock?

ChartMill assigns a fundamental rating of 5 / 10 to TIGR.


Can you provide the valuation status for UP FINTECH HOLDING LTD - ADR?

ChartMill assigns a valuation rating of 6 / 10 to UP FINTECH HOLDING LTD - ADR (TIGR). This can be considered as Fairly Valued.


Can you provide the profitability details for UP FINTECH HOLDING LTD - ADR?

UP FINTECH HOLDING LTD - ADR (TIGR) has a profitability rating of 6 / 10.


How financially healthy is UP FINTECH HOLDING LTD - ADR?

The financial health rating of UP FINTECH HOLDING LTD - ADR (TIGR) is 3 / 10.


What is the earnings growth outlook for UP FINTECH HOLDING LTD - ADR?

The Earnings per Share (EPS) of UP FINTECH HOLDING LTD - ADR (TIGR) is expected to grow by 159.43% in the next year.