HKD vs TIGR vs FUTU vs IBKR vs SCHW

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). AMTD Digital Inc. (HKD) offers the better valuation at 7. 3x trailing P/E, 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, AMTD Digital Inc.

(HKD) is the cheapest at 7. 3x versus Interactive Brokers Group, Inc. at 37. 7x. On forward P/E, Futu Holdings Limited is actually cheaper at 1. 5x — notably different from the trailing picture, reflecting expected earnings growth. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Futu Holdings Limited wins at 0. 02x versus The Charles Schwab Corporation's 6. 42x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.

Over the past 5 years, Interactive Brokers Group, Inc.

(IBKR) delivered a total return of +386. 1%, compared to -89. 6% for AMTD Digital Inc. (HKD). Over 10 years, the gap is even starker: FUTU returned +873. 5% versus HKD's -89. 8%. 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), The Charles Schwab Corporation (SCHW) is the lower-risk stock at 0.

71β versus Futu Holdings Limited's 2. 11β — meaning FUTU is approximately 198% more volatile than SCHW relative to the S&P 500. On balance sheet safety, Interactive Brokers Group, Inc. (IBKR) carries a lower debt/equity ratio of 0% 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.. 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 9. 6% for Interactive Brokers Group, Inc. — meaning it keeps 189. 5% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: IBKR leads at 86. 0% versus 29. 6% for SCHW. At the gross margin level — before operating expenses — IBKR leads at 89. 8%, 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.

The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.

By this metric, Futu Holdings Limited (FUTU) is the more undervalued stock at a PEG of 0. 02x versus The Charles Schwab Corporation's 6. 42x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, Futu Holdings Limited (FUTU) trades at 1. 5x forward P/E versus 33. 8x for Interactive Brokers Group, Inc. — 32. 3x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for FUTU: 53. 2% to $222. 00.

In this comparison, SCHW (1.

4% yield), IBKR (0. 4% yield) pay a dividend. HKD, TIGR, FUTU do not pay a meaningful dividend and should not be held primarily for income.

For long-horizon retirement investors, The Charles Schwab Corporation (SCHW) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.

71), 1. 4% yield, +253. 1% 10Y return). UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) carries a higher beta of 2. 06 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (SCHW: +253. 1%, TIGR: -39. 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 TIGR (Financial Services) and FUTU (Financial Services) and IBKR (Financial Services) and SCHW (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; TIGR is a small-cap high-growth stock; FUTU is a mid-cap high-growth stock; IBKR is a mid-cap quality compounder stock; SCHW is a mid-cap quality compounder stock. SCHW pays a dividend while HKD, TIGR, FUTU, IBKR 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.