HKD vs FUTU vs UP vs TIGR vs NOAH

For growth investors, UP Fintech Holding Ltd.

Sponsored ADR Class A (TIGR) is the stronger pick with 43. 7% revenue growth year-over-year, versus -94. 0% for AMTD Digital Inc. (HKD). Noah Holdings Limited (NOAH) offers the better valuation at 2. 2x trailing P/E (1. 1x forward), making it the more compelling value choice. Analysts rate Futu Holdings Limited (FUTU) a "Buy" — based on 12 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, Noah Holdings Limited (NOAH) is the cheapest at 2.

2x versus Futu Holdings Limited at 29. 2x. On forward P/E, Noah Holdings Limited is actually cheaper at 1. 1x.

Over the past 5 years, Futu Holdings Limited (FUTU) delivered a total return of +15.

0%, compared to -99. 7% for Wheels Up Experience Inc. (UP). Over 10 years, the gap is even starker: FUTU returned +875. 5% versus UP's -99. 7%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Noah Holdings Limited (NOAH) is the lower-risk stock at 0.

98β versus Wheels Up Experience Inc. 's 2. 50β — meaning UP is approximately 155% more volatile than NOAH relative to the S&P 500. On balance sheet safety, Noah Holdings Limited (NOAH) carries a lower debt/equity ratio of 1% versus 162% for AMTD Digital Inc. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), UP Fintech Holding Ltd.

Sponsored ADR Class A (TIGR) is pulling ahead at 43. 7% versus -94. 0% for AMTD Digital Inc. (HKD). On earnings-per-share growth, the picture is similar: UP Fintech Holding Ltd. Sponsored ADR Class A grew EPS 71. 4% year-over-year, compared to -91. 2% for AMTD Digital Inc.. Over a 3-year CAGR, UP leads at -22. 5% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

AMTD Digital Inc.

(HKD) is the more profitable company, earning 189. 5% net margin versus -39. 9% for Wheels Up Experience Inc. — meaning it keeps 189. 5% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: HKD leads at 51. 7% versus -34. 3% for UP. At the gross margin level — before operating expenses — FUTU leads at 82. 0%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

On forward earnings alone, Noah Holdings Limited (NOAH) trades at 1.

1x forward P/E versus 6. 8x for UP Fintech Holding Ltd. Sponsored ADR Class A — 5. 7x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for UP: 7373. 8% to $500. 00.

In this comparison, NOAH (97.

4% yield) pays a dividend. HKD, FUTU, UP, TIGR do not pay a meaningful dividend and should not be held primarily for income.

For long-horizon retirement investors, Noah Holdings Limited (NOAH) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.

98), 97. 4% yield). Wheels Up Experience Inc. (UP) carries a higher beta of 2. 50 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (NOAH: -41. 8%, UP: -99. 7%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

These companies operate in different sectors (HKD (Technology) and FUTU (Financial Services) and UP (Industrials) and TIGR (Financial Services) and NOAH (Financial Services)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.

In terms of investment character: HKD is a small-cap deep-value stock; FUTU is a mid-cap high-growth stock; UP is a small-cap quality compounder stock; TIGR is a small-cap high-growth stock; NOAH is a small-cap deep-value stock. NOAH pays a dividend while HKD, FUTU, UP, TIGR do not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.