UP FINTECH HOLDING LTD - ADR (TIGR) Stock Fundamental Analysis
NASDAQ:TIGR - Nasdaq - US91531W1062 - ADR - Currency: USD
Taking everything into account, TIGR scores 5 out of 10 in our fundamental rating. TIGR was compared to 233 industry peers in the Capital Markets industry. TIGR has only an average score on both its financial health and profitability. TIGR is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one! This makes TIGR very considerable for growth investing!
1. Profitability
1.1 Basic Checks
TIGR had positive earnings in the past year.
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 66.24% of its industry peers.
TIGR has a Return On Equity (9.22%) which is comparable to the rest of the industry.
TIGR's Return On Invested Capital of 6.91% is fine compared to the rest of the industry. TIGR outperforms 74.36% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for TIGR is below the industry average of 7.84%.
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
Looking at the Profit Margin, with a value of 15.43%, TIGR is in line with its industry, outperforming 53.42% of the companies in the same industry.
TIGR's Profit Margin has improved in the last couple of years.
TIGR has a worse Operating Margin (19.94%) than 60.26% of its industry peers.
In the last couple of years the Operating Margin of TIGR has grown nicely.
The Gross Margin of TIGR (80.73%) is better than 84.62% 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
TIGR has more shares outstanding than it did 1 year ago.
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 0.45, we must say that TIGR is in the distress zone and has some risk of bankruptcy.
TIGR has a worse Altman-Z score (0.45) than 67.52% 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 91.88% 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 Debt to Equity ratio of 0.24. This is in the better half of the industry: TIGR outperforms 76.07% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | 0.19 | ||
| Altman-Z | 0.45 |
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.
TIGR has a Current ratio of 1.14. This is comparable to the rest of the industry: TIGR outperforms 50.85% of 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.
With a Quick ratio value of 1.14, TIGR perfoms like the industry average, outperforming 51.28% of the companies in the same 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 116.38%, 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 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
Based on estimates for the next years, TIGR will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.05% on average per year.
TIGR is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 14.40% yearly.
EPS Next Y73.71%
EPS Next 2Y37.4%
EPS Next 3Y30.37%
EPS Next 5Y10.05%
Revenue Next Year32.41%
Revenue Next 2Y22.42%
Revenue Next 3Y17.98%
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.
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 20.08 indicates a rather expensive 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.
The average S&P500 Price/Earnings ratio is at 27.30. TIGR is valued slightly cheaper when compared to this.
TIGR is valuated correctly with a Price/Forward Earnings ratio of 13.67.
The rest of the industry has a similar Price/Forward Earnings ratio as TIGR.
The average S&P500 Price/Forward Earnings ratio is at 21.76. TIGR is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.08 | ||
| Fwd PE | 13.67 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of TIGR indicates a somewhat cheap valuation: TIGR is cheaper than 76.07% of the companies listed in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of TIGR indicates a rather cheap valuation: TIGR is cheaper than 89.74% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.27 | ||
| EV/EBITDA | 18.45 |
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.
A more expensive valuation may be justified as TIGR's earnings are expected to grow with 30.37% in the coming years.
PEG (NY)0.27
PEG (5Y)N/A
EPS Next 2Y37.4%
EPS Next 3Y30.37%
5. Dividend
5.1 Amount
TIGR does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
10.04
-0.21 (-2.05%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners35.48%
Inst Owner Change0%
Ins Owners10.79%
Ins Owner Change0%
Market Cap1.88B
Analysts80
Price Target10.49 (4.48%)
Short Float %73.92%
Short Ratio1.66
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)4.38%
PT rev (3m)2.77%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)13.9%
EPS NY rev (3m)9.32%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.25%
Revenue NY rev (3m)0.45%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.08 | ||
| Fwd PE | 13.67 | ||
| P/S | 4.79 | ||
| P/FCF | 2.27 | ||
| P/OCF | 2.27 | ||
| P/B | 2.86 | ||
| P/tB | 2.92 | ||
| EV/EBITDA | 18.45 |
EPS(TTM)0.5
EY4.98%
EPS(NY)0.73
Fwd EY7.31%
FCF(TTM)4.42
FCFY44.04%
OCF(TTM)4.43
OCFY44.13%
SpS2.09
BVpS3.51
TBVpS3.43
PEG (NY)0.27
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 | 0.45 |
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 Y73.71%
EPS Next 2Y37.4%
EPS Next 3Y30.37%
EPS Next 5Y10.05%
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 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%