Overview Dividends

(TIGR) Up Fintech Holding - Ratings and Ratios

Exchange: NASDAQ • Country: Singapore • Currency: USD • Type: Common Stock • ISIN: US91531W1062

Broker, Stock Trading, Wealth App

TIGR EPS (Earnings per Share)

EPS Growth (3Y CAGR): -29.46%
EPS Trend (3Y Correlation): 46.9%

TIGR Revenue

Revenue Growth (3Y CAGR): 39.80%
Revenue Trend (3Y Correlation): 96.8%

Description: TIGR Up Fintech Holding August 13, 2025

Up Fintech Holding Ltd (TIGR) is a Singapore-based investment banking and brokerage firm listed on NASDAQ. The company operates in the financial services sector, providing trading and investment services to its clients.

To evaluate TIGRs performance, key metrics such as revenue growth, net income margin, and return on equity (RoE) are crucial. With a reported RoE of 13.18%, the company demonstrates a relatively strong ability to generate profits from shareholders equity. The price-to-earnings (P/E) ratio of 22.16 and forward P/E of 21.60 indicate the markets expectations for the companys future earnings growth.

The brokerage industry is influenced by various economic drivers, including interest rates, market volatility, and overall economic growth. As a brokerage firm, TIGRs performance is closely tied to trading volumes and market activity. Key performance indicators (KPIs) for the company may include trading volume, average revenue per user (ARPU), and client acquisition costs.

The companys market capitalization of $1.76 billion and beta of 0.600 suggest a relatively stable stock with lower volatility compared to the overall market. To further assess TIGRs investment potential, it is essential to analyze its financial statements, management team, and competitive positioning within the industry.

From a fundamental analysis perspective, it is crucial to examine TIGRs income statement, particularly the income tax expense, to understand the companys tax obligations and their impact on net income. A thorough analysis of the companys tax strategy and its effect on profitability is necessary to make informed investment decisions.

TIGR Stock Overview

Market Cap in USD	1,880m
Sub-Industry	Investment Banking & Brokerage
IPO / Inception	1987-10-16

TIGR Stock Ratings

Growth Rating	64.6%
Fundamental	70.4%
Dividend Rating	-
Return 12m vs S&P 500	24.1%
Analyst Rating	4.14 of 5

TIGR Dividends

Currently no dividends paid

TIGR Growth Ratios

Growth Correlation 3m	-49.7%
Growth Correlation 12m	88.7%
Growth Correlation 5y	-11.8%
CAGR 5y	33.06%
CAGR/Max DD 3y (Calmar Ratio)	0.57
CAGR/Mean DD 3y (Pain Ratio)	1.11
Sharpe Ratio 12m	-0.05
Alpha	41.26
Beta	0.549
Volatility	63.45%
Current Volume	3005.9k
Average Volume 20d	3373.1k
Stop Loss	9.7 (-5.5%)
Signal	-1.01

Piotroski VR‑10 (Strict, 0-10) 4.0

Net Income (117.8m TTM) > 0 and > 6% of Revenue (6% = 28.2m TTM)

FCFTA 0.10 (>2.0%) and ΔFCFTA 8.38pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 147.6% (prev 202.4%; Δ -54.75pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.10 (>3.0%) and CFO 828.0m > Net Income 117.8m (YES >=105%, WARN >=100%)

Net Debt (-3.92b) to EBITDA (165.8m) ratio: -23.66 <= 3.0 (WARN <= 3.5)

Current Ratio 1.09 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (185.4m) change vs 12m ago 16.92% (target <= -2.0% for YES)

Gross Margin 73.88% (prev 78.36%; Δ -4.48pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 7.04% (prev 6.39%; Δ 0.64pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 2.45 (EBITDA TTM 165.8m / Interest Expense TTM 64.8m) >= 6 (WARN >= 3)

Altman Z'' 0.75

(A) 0.08 = (Total Current Assets 8.49b - Total Current Liabilities 7.80b) / Total Assets 8.57b

(B) 0.01 = Retained Earnings (Balance) 112.3m / Total Assets 8.57b

(D) 0.02 = Book Value of Equity 128.7m / Total Liabilities 7.81b

Total Rating: 0.75 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 70.44

1. Piotroski 4.0pt = -1.0

2. FCF Yield -35.38% = -5.0

3. FCF Margin data missing

4. Debt/Equity 0.23 = 2.47

5. Debt/Ebitda -23.66 = 2.50

6. ROIC - WACC (= 8.31)% = 10.38

7. RoE 17.82% = 1.49

8. Rev. Trend 96.76% = 7.26

9. EPS Trend 46.85% = 2.34

What is the price of TIGR shares?

As of November 08, 2025, the stock is trading at USD 10.26 with a total of 3,005,915 shares traded.
Over the past week, the price has changed by -4.82%, over one month by +1.08%, over three months by +2.60% and over the past year by +41.52%.

Is Up Fintech Holding a good stock to buy?

Partly, yes. Based on ValueRay´s Fundamental Analyses, Up Fintech Holding (NASDAQ:TIGR) is currently (November 2025) ok to buy, but has to be watched. It has a ValueRay Fundamental Rating of 70.44 and therefor a somewhat positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of TIGR is around 9.63 USD . This means that TIGR is currently overvalued and has a potential downside of -6.14%.

Is TIGR a buy, sell or hold?

Up Fintech Holding has received a consensus analysts rating of 4.14. Therefore, it is recommended to buy TIGR.

Strong Buy: 4
Buy: 1
Hold: 1
Sell: 1
Strong Sell: 0

What are the forecasts/targets for the TIGR price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	13.9	35.8%
Analysts Target Price	13.9	35.8%
ValueRay Target Price	10.7	4.3%

TIGR Fundamental Data Overview October 30, 2025

Market Cap USD = 1.88b (1.88b USD * 1.0 USD.USD)
P/E Trailing = 16.0303
P/E Forward = 21.5983
P/S = 4.4586
P/B = 2.4181
Beta = 0.549
Revenue TTM = 470.2m USD
EBIT TTM = 158.7m USD
EBITDA TTM = 165.8m USD
Long Term Debt = 159.5m USD (from longTermDebt, last fiscal year)
Short Term Debt = 173.2m USD (from shortTermDebt, last quarter)
Debt = 174.5m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -3.92b USD (from netDebt column, last quarter)
Enterprise Value = -2.34b USD (1.88b + Debt 174.5m - CCE 4.39b)
Interest Coverage Ratio = 2.45 (Ebit TTM 158.7m / Interest Expense TTM 64.8m)
FCF Yield = -35.38% (FCF TTM 826.4m / Enterprise Value -2.34b)
FCF Margin = 175.7% (FCF TTM 826.4m / Revenue TTM 470.2m)
Net Margin = 25.05% (Net Income TTM 117.8m / Revenue TTM 470.2m)
Gross Margin = 73.88% ((Revenue TTM 470.2m - Cost of Revenue TTM 122.8m) / Revenue TTM)
Gross Margin QoQ = 94.14% (prev 68.07%)
Tobins Q-Ratio = -0.27 (set to none) (Enterprise Value -2.34b / Total Assets 8.57b)
Interest Expense / Debt = 9.93% (Interest Expense 17.3m / Debt 174.5m)
Taxrate = 15.28% (7.53m / 49.2m)
NOPAT = 134.5m (EBIT 158.7m * (1 - 15.28%))
Current Ratio = 1.09 (Total Current Assets 8.49b / Total Current Liabilities 7.80b)
Debt / Equity = 0.23 (Debt 174.5m / totalStockholderEquity, last quarter 754.0m)
Debt / EBITDA = -23.66 (Net Debt -3.92b / EBITDA 165.8m)
Debt / FCF = -4.75 (Net Debt -3.92b / FCF TTM 826.4m)
Total Stockholder Equity = 661.0m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.37% (Net Income 117.8m / Total Assets 8.57b)
RoE = 17.82% (Net Income TTM 117.8m / Total Stockholder Equity 661.0m)
RoCE = 19.34% (EBIT 158.7m / Capital Employed (Equity 661.0m + L.T.Debt 159.5m))
RoIC = 16.38% (NOPAT 134.5m / Invested Capital 820.8m)
WACC = 8.07% (E(1.88b)/V(2.05b) * Re(8.04%) + D(174.5m)/V(2.05b) * Rd(9.93%) * (1-Tc(0.15)))
Discount Rate = 8.04% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: 100.0 | Cagr: 9.11%
[DCF Debug] Terminal Value 70.46% ; FCFE base≈520.2m ; Y1≈341.5m ; Y5≈156.2m
Fair Price DCF = 17.93 (DCF Value 3.07b / Shares Outstanding 171.2m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 46.85 | EPS CAGR: -29.46% | SUE: -4.0 | # QB: 0
Revenue Correlation: 96.76 | Revenue CAGR: 39.80% | SUE: 2.04 | # QB: 1

Additional Sources for TIGR Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
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Fund Manager Positions: Dataroma | Stockcircle