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 228 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 not overvalued while it is showing excellent growth. This is an interesting combination.
1. Profitability
1.1 Basic Checks
TIGR had positive earnings in the past year.
TIGR had positive earnings in 4 of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: TIGR reported negative operating cash flow in multiple years.
1.2 Ratios
With a Return On Assets value of 0.95%, TIGR is not doing good in the industry: 69.87% of the companies in the same industry are doing better.
TIGR has a Return On Equity (9.27%) which is comparable to the rest of the industry.
TIGR has a better Return On Invested Capital (6.94%) than 78.17% of its industry peers.
The Average Return On Invested Capital over the past 3 years for TIGR is below the industry average of 7.10%.
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
With a Profit Margin value of 15.51%, TIGR perfoms like the industry average, outperforming 51.53% of the companies in the same industry.
In the last couple of years the Profit Margin of TIGR has grown nicely.
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.
The Gross Margin of TIGR (80.73%) is better than 83.84% of its industry peers.
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
TIGR has more shares outstanding than it did 5 years ago.
TIGR has a better debt/assets ratio than last year.
2.2 Solvency
TIGR has an Altman-Z score of 0.41. This is a bad value and indicates that TIGR is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.41, TIGR is doing worse than 67.25% of the companies in the same industry.
TIGR has a Debt/Equity ratio of 0.24. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.24, TIGR is doing good in the industry, outperforming 76.42% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.41 |
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.
Looking at the Current ratio, with a value of 1.14, TIGR is in line with its industry, outperforming 53.28% 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's Quick ratio of 1.14 is in line compared to the rest of the industry. TIGR outperforms 53.28% of 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 88.83%, which is quite impressive.
The Earnings Per Share has been growing by 33.89% 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 43.68%.
TIGR shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 46.16% yearly.
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
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 Y55.14%
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
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
Based on the Price/Earnings ratio of 19.82, the valuation of TIGR can be described as rather expensive.
Compared to the rest of the industry, the Price/Earnings ratio of TIGR is on the same level as its industry peers.
When comparing the Price/Earnings ratio of TIGR to the average of the S&P500 Index (28.79), we can say TIGR is valued slightly cheaper.
Based on the Price/Forward Earnings ratio of 12.81, the valuation of TIGR can be described as correct.
TIGR's Price/Forward Earnings ratio is in line with the industry average.
TIGR's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 21.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.82 | ||
| Fwd PE | 12.81 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
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.
A more expensive valuation may be justified as TIGR's earnings are expected to grow with 27.06% in the coming years.
PEG (NY)0.36
PEG (5Y)N/A
EPS Next 2Y35.46%
EPS Next 3Y27.06%
5. Dividend
5.1 Amount
No dividends for TIGR!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
7.73
+0.14 (+1.84%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners18.83%
Inst Owner Change1.2%
Ins Owners9.78%
Ins Owner Change0%
Market Cap1.44B
Analysts80
Price Target10.05 (30.01%)
Short Float %43.94%
Short Ratio0.56
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)21.72%
PT rev (3m)27.07%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-2.36%
EPS NY rev (3m)54.69%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)10.25%
Revenue NY rev (3m)10.25%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.82 | ||
| Fwd PE | 12.81 | ||
| P/S | 3.69 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.2 | ||
| P/tB | 2.21 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.39
EY5.05%
EPS(NY)0.6
Fwd EY7.81%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS2.09
BVpS3.51
TBVpS3.49
PEG (NY)0.36
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 | 16.14% | ||
| OM | 20.04% | ||
| PM (TTM) | 15.51% | ||
| GM | 80.73% | ||
| 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%
ROICexcg growth 3Y57.72%
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-ScoreN/A
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.24 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.14 | ||
| Quick Ratio | 1.14 | ||
| Altman-Z | 0.41 |
F-ScoreN/A
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
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 Y55.14%
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 Year90.3%
EBIT Next 3Y25.1%
EBIT Next 5Y18.44%
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A