TIGR Stock Analysis: Up Fintech Holding | NASDAQ
Capital Markets | NASDAQ, USA | Market Cap: 818m USD | 12M Return: -50.4% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 12.7M
EPS Trend: 87.7%
Qual. Beats: -1
Rev. Trend: 98.5%
Qual. Beats: 1
Warnings
Tailwinds
No distinct edge detected
Seasonality 7.3 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
UP Fintech Holding Limited (NASDAQ: TIGR) is a Singapore-headquartered online brokerage founded in 2014, operating the Tiger Trade platform to serve Chinese investors across New Zealand, the Cayman Islands, Singapore, the United States, and other markets. The platform supports trading in stocks, options, warrants, and futures via mobile app and website, supplementing core brokerage activity with margin financing, securities lending, and trade execution services. The company also generates revenue from a diversified service stack, including asset and wealth management, ESOP administration, fund structuring and custody, IPO underwriting, and investor education and community tools. As a digital-first brokerage, TIGR relies primarily on transaction-based commissions, net interest income from margin lending, and fee-based asset management, while cross-border investing demand from Chinas retail investor base remains a key structural driver for the platforms user growth.
- Chinese ADR trading volumes drive commission revenue growth
- Hong Kong and Singapore expansion reduces China regulatory concentration risk
- Margin financing income pressured by Hong Kong rate cuts
| Net Income: 113.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.12 > 1.0 |
| NWC/Revenue: 132.1% < 20% (prev 191.1%; Δ -59.08% < -1%) |
| CFO/TA 0.16 > 3% & CFO 1.32b > Net Income 113.8m |
| Net Debt (-856.3m) to EBITDA (239.6m): -3.57 < 3 |
| Current Ratio: 1.12 > 1.5 & < 3 |
| Outstanding Shares: last quarter (178.0m) vs 12m ago 5.35% < -2% |
| Gross Margin: 82.69% > 18% (prev 71.42%; Δ 11.27% > 0.5%) |
| Asset Turnover: 8.31% > 50% (prev 5.72%; Δ 2.59% > 0%) |
| Interest Coverage Ratio: 2.98 > 6 (EBIT TTM 228.5m / Interest Expense TTM 76.6m) |
| A: 0.10 (Total Current Assets 8.15b - Total Current Liabilities 7.30b) / Total Assets 8.23b |
| B: 0.03 (Retained Earnings 208.4m / Total Assets 8.23b) |
| C: 0.03 (EBIT TTM 228.5m / Avg Total Assets 7.77b) |
| D: 0.12 (Book Value of Equity 865.5m / Total Liabilities 7.36b) |
| Altman-Z'' = 1.08 = BB |
| DSRI: 0.65 (Receivables 3.82b/3.79b, Revenue 645.6m/418.5m) |
| GMI: 0.86 (GM 71.42% / 82.69%) |
| AQI: 1.23 (AQ_t 0.01 / AQ_t-1 0.01) |
| SGI: 1.54 (Revenue 645.6m / 418.5m) |
| TATA: -0.15 (NI 113.8m - CFO 1.32b) / TA 8.23b) |
| Beneish M = -2.93 (Cap -4..+1) = A |
As of July 08, 2026, the stock is trading at USD 4.52 with a total of 2,048,114 shares traded. Over the past week, the price has changed by +0.00%, over one month by -3.21%, over three months by -28.03% and over the past year by -50.44%.
Current recommended Stop Loss: 4.20 (which is 7.1% or 1.3 ATR below the current price).
Up Fintech Holding has received a consensus analysts rating of 4.14. Therefore, it is recommended to buy TIGR.
- StrongBuy: 4
- Buy: 1
- Hold: 1
- Sell: 1
- StrongSell: 0
| Analysts Target Price | 8.2 | 80.5% |
P/E Trailing = 7.3871
P/E Forward = 14.9925
P/S = 1.4412
P/B = 0.9796
Revenue TTM = 645.6m USD
EBIT TTM = 228.5m USD
EBITDA TTM = 239.6m USD
Long Term Debt = 52.8m USD (from longTermDebt, last quarter)
Short Term Debt = 118.0m USD (from shortTermDebt, last quarter)
Debt = 182.4m USD (from shortLongTermDebtTotal, last quarter) + Leases 9.21m
Net Debt = -856.3m USD (calculated: Debt 182.4m - CCE 1.04b)
Enterprise Value = 818.4m USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 2.98 (Ebit TTM 228.5m / Interest Expense TTM 76.6m)
EV/FCF = 7.20x (Enterprise Value 818.4m / FCF TTM 113.6m)
FCF Yield = 13.88% (FCF TTM 113.6m / Enterprise Value 818.4m)
FCF Margin = 17.60% (FCF TTM 113.6m / Revenue TTM 645.6m)
Net Margin = 17.63% (Net Income TTM 113.8m / Revenue TTM 645.6m)
Gross Margin = 82.69% ((Revenue TTM 645.6m - Cost of Revenue TTM 111.7m) / Revenue TTM)
Gross Margin QoQ = none% (prev 93.72%)
Tobins Q-Ratio = 0.10 (Enterprise Value 818.4m / Total Assets 8.23b)
Interest Expense / Debt = 42.00% (Interest Expense 76.6m / Debt 182.4m)
Taxrate = 24.79% (37.7m / 151.9m)
NOPAT = 171.9m (EBIT 228.5m * (1 - 24.79%))
Current Ratio = 0.66 (Total Current Assets 8.15b / Total Current Liabilities 12.4b)
Debt / Equity = 0.21 (Debt 182.4m / totalStockholderEquity, last quarter 865.5m)
Debt / EBITDA = -3.57 (Net Debt -856.3m / EBITDA 239.6m)
Debt / FCF = -7.54 (Net Debt -856.3m / FCF TTM 113.6m)
Total Stockholder Equity = 823.7m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.46% (Net Income 113.8m / Total Assets 8.23b)
RoE = 13.81% (Net Income TTM 113.8m / Total Stockholder Equity 823.7m)
RoCE = 26.07% (EBIT 228.5m / Capital Employed (Equity 823.7m + L.T.Debt 52.8m))
RoIC = 16.97% (NOPAT 171.9m / Invested Capital 1.01b)
WACC = 16.12% (E(818.4m)/V(1.00b) * Re(12.67%) + D(182.4m)/V(1.00b) * Rd(42.00%) * (1-Tc(0.25)))
Discount Rate = 12.67% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 68.89 | Cagr: 6.11%
[DCF] Terminal Value 56.91% ; FCFF base≈105.0m ; Y1≈120.4m ; Y5≈177.1m
[DCF] Fair Price = 11.42 (EV 1.11b - Net Debt -856.3m = Equity 1.97b / Shares 172.2m; r=16.12% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 87.73 | EPS CAGR: 87.54% | SUE: -4.0 | # QB: -1
Revenue Correlation: 98.45 | Revenue CAGR: 44.46% | SUE: 2.43 | # QB: 1
EPS current Quarter (2026-06-30): EPS=0.21 | Chg30d=+15.98% | Revisions=+40% | Analysts=2
EPS next Quarter (2026-09-30): EPS=0.16 | Chg30d=-8.89% | Revisions=-40% | Analysts=2
EPS current Year (2026-12-31): EPS=0.52 | Chg30d=-50.68% | Revisions=-40% | GrowthEPS=-49.0% | GrowthRev=+2.7%
EPS next Year (2027-12-31): EPS=0.94 | Chg30d=-18.12% | Revisions=-40% | GrowthEPS=+82.9% | GrowthRev=+4.9%
[Analyst] Revisions Ratio: -36% (up=2, down=6)