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Up Fintech Holding Ltd(TIGR)

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ADVISORIES YOU CAN VERIFY
QUALITY SIGNAL RECENCY
1-STAR RATING
SELL
SELL for 1 day
PROFIT SINCE LAST BUY
-9.04%
LAST CLOSE
$4.73
09/18/2026
(24-hour delay)

Advisory History & Simulated Performance *

*as per simulation (see disclosures)
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Upturn Advisory & Investor View for TIGR

09/18/2026: TIGR (1-star) is a SELL. SELL for 1 day. Simulated Profits (-9.04%). Updated daily EoD!

Up Fintech Holding Ltd is a digital brokerage firm that provides retail investors with access to global securities markets via its Tiger Trade platform. The company’s primary strengths lie in its technology-driven user experience and successful expansion into multiple international markets, which has helped diversify its revenue. While the platform faces significant competition and regulatory headwinds, its focus on scaling institutional services and wealth management offers a promising growth narrative. Investors should monitor evolving cross-border financial regulations and market volatility, as these are material risks to the business. The stock may appeal to growth-oriented investors, though it is currently not suited for those seeking dividend income.

How to Read the Upturn Advisory

The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.

Company fundamentals, valuation, risks, and news provide supporting context about the business.

Investor Fit

Investor styleFitWhy
Growth investorMixed fitThe company offers exposure to fintech growth but faces substantial regulatory and market-specific risks.
Momentum investorStrong fit while signal remains positiveThe stock can exhibit high volatility, which may attract momentum traders during periods of market optimism.
Value investorWeak fitThe company is in a high-growth, high-regulation phase rather than being a mature value play.
Dividend investorWeak fitUp Fintech does not currently pay a dividend, making it unsuitable for income-focused strategies.
Low-risk investorWeak fitThe high volatility and regulatory exposure make this stock ill-suited for conservative portfolios.

Risk Profile

Risk factorLevelWhy it matters
Price volatilityHighThe stock is subject to significant price swings driven by market sentiment and regulatory news.
Valuation riskMediumValuations are sensitive to growth assumptions that may be challenged by slowing market activity.
Competition risk (fintech brokerage)HighIntense rivalry from incumbents and disruptors puts pressure on margins and market share.
Business qualityMediumThe business has built a solid platform but remains vulnerable to market-specific downturns.
Dividend incomeLow / noneShareholders cannot rely on dividend income for total returns.
Execution riskMedium / highSuccessful international expansion requires complex execution across different regulatory environments.

Price Behavior

Steep Decline
PRICE PATH

Steep Decline

The stock price has dropped sharply with strong downward pressure.

Choppy
PRICE STABILITY

Choppy

The stock has experienced frequent reversals and pronounced short-term price swings.

Analysis of Past Performance

Type Stock
Historic Profit -54.56%
Avg. Invested days 22
Today’s Advisory SELL
Upturn Advisory Rating upturn star rating icon
Upturn Advisory Performance Upturn Advisory Performance icon 2.0
Stock Returns Performance Upturn Returns Performance icon 1.0
Upturn Profits based on simulation icon Profits based on simulation
Upturn last close icon Last Close 09/18/2026

Upturn Scorecard

Upturn Star Rating

TIGR receives a 4-star rating, supported by strong unit economics, strong company fundamentals, and solid analyst coverage. The rating is constrained by weak price momentum.

Company Fundamentals

TIGR has strong overall fundamentals (5 stars), with solid financial health, strong growth momentum, and solid ownership. In FY2025 versus FY2024, strong earnings growth (+182.3%) supports the fundamentals score.

Financial Health Rating

TIGR's financial health is supported by strong profitability, including gross margin of 93.2% and operating margin of 46.0%. Liquidity is solid (4 stars), which helps explain the 4-star overall score.

Growth Momentum Score

Earnings growth is TIGR's strongest growth driver at +182.3% FY2025 versus FY2024 (strong, 5 stars). Revenue growth (+56.7%, strong) and free-cash-flow growth (+58.7%, strong) are also constructive, though not equally high across every growth measure.

Ownership

Institutional ownership is 35.1% and approximately 83.1% of outstanding shares are publicly tradable, supporting liquidity and institutional participation. Insider ownership of 19.39% supports management-shareholder alignment.

Top 5 Institutional Investors

Avenir Tech Ltd 5.75%
Sparta 24 Ltd. 3.76%
Arrowstreet Capital Limited Partnership 2.23%
BlackRock Inc 1.61%
Susquehanna International Group, LLP 1.53%

Unit Economics (Per $1K Revenue)

TIGR generates approximately $932 of gross profit, $460 of operating income, and $2,137 of free cash flow for every $1,000 of revenue. Based on FY2025 results. Strong cash conversion and healthy margins support the rating, although capital efficiency remains below the highest tier.

Economic Dimensions

Effective Tax Rate: 17.34%

Quantitative Style Profile

TIGR has a high-quality, liquid, relatively low-volatility profile. Weak momentum is the primary drawback.

Style Classification

Quality Focused

Value-OrientedQuality TiltLow VolatilitySmall / Mid Cap RiskShort Squeeze RiskHighly Liquid / Institution-Friendly

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 852.47M USD
Price to earnings Ratio 9.67
1Y Target Price 7.71
Price to earnings Ratio 9.67
1Y Target Price 7.71
Volume (30-day avg) 2.5M shares
Beta 0.5
52 Weeks Range 4.00 - 11.35
Updated Date 09/18/2026
52 Weeks Range 4.00 - 11.35
Updated Date 09/18/2026
Dividends yield (FY) -
Basic EPS (TTM) 0.49

How Company Makes Money

Business areaWhat it includesRetail investor read
Commission & Fee IncomeTrading commissions and platform fees from brokerage services.The company makes money when users trade frequently on their platform.
Interest IncomeInterest earned on margin financing and cash held in client accounts.Profitability is linked to interest rate environments and margin usage.
Institutional ServicesUnderwriting, placement, and advisory fees.This segment diversifies income through services to corporate clients.

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

Revenue by Geography

Geography revenue - Year on Year

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Earnings Date

Report Date 2026-08-26
When Before Market
Estimate 0.24
Actual 0.21

Profitability

Profit Margin 18.37%
Operating Margin (TTM) 35.34%

Management Effectiveness

Return on Assets (TTM) 1.22%
Return on Equity (TTM) 13.57%

Valuation

Trailing PE 9.67
Forward PE 14.99
Enterprise Value 232.85M
Price to Sales(TTM) 1.4
Enterprise Value 232.85M
Price to Sales(TTM) 1.4
Enterprise Value to Revenue 0.34
Enterprise Value to EBITDA 0.94
Shares Outstanding 173.34M
Shares Floating 144.04M
Shares Outstanding 173.34M
Shares Floating 144.04M
Percent Insiders 19.39
Percent Institutions 35.07

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Financial Metrics

🧭 Investment Snapshot

Total Revenue (Scale)

Information icon Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.

Net Income (Profit)

Information icon Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.

Free Cash Flow (Cash Strength)

Information icon Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.

📈 Growth & Strength

Operating Income (Core Profit)

Information icon Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.

EBITDA (Cash Earnings)

Information icon Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.

Gross Profit (Unit Profitability)

Information icon Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.

🛡️ Financial Safety

Cash (Liquidity Buffer)

Information icon Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.

Total Debt (Leverage Risk)

Information icon Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.

Net Working Capital (Short-Term Health)

Information icon Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.

🧱 Balance Sheet Strength

Stockholder Equity (Net Worth)

Information icon Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.

Total Assets (Asset Base)

Information icon The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.

Income Before Tax (Pre-Tax Earnings)

Information icon Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.

⚙️ Cost & Drag Factors

Cost of Revenue (Production Cost)

Information icon Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.

Total Operating Expenses (Operating Cost)

Information icon Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.

Income Tax Expense (Tax Drag)

Information icon Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.

About Up Fintech Holding Ltd

Exchange NASDAQ
Headquarters -
IPO Launch date 1987-10-16
Chairman & CEO Mr. Tianhua Wu
Sector Financial Services
Industry Capital Markets
Full time employees 1346
Full time employees 1346

UP Fintech Holding Limited provides online brokerage services focusing on Chinese investors in New Zealand, the Cayman Island, Singapore, the United States, and internationally. The company has developed a brokerage platform, Tiger Trade which allows investor to trade stocks, options, warrants, and other financial instruments that can be accessed through its APP and website. It also provides value-added services, including investor education, community engagement, and IR/PR platform services. In addition, the company offers trade execution, margin financing, and securities lending services; asset management and wealth management; ESOP management; fund license application, product design, asset custody, transaction execution, and funding allocation; fund structuring and management; and IPO underwriting services. Further, the company provides market information and simulated trading services; and trade futures contracts. UP Fintech Holding Limited was founded in 2014 and is headquartered in Singapore.