MFH
Mercurity Fintech Holding Inc.
Financial - Capital Markets
Market Cap$352M
5Y Perf.+187.6%
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Stock Comparison
MFH vs TIGR
Revenue, margins, valuation, and 5-year total return — side by side.
TIGR
UP Fintech Holding Ltd. Sponsored ADR Class A
Financial - Capital Markets
Market Cap$628M
5Y Perf.+187.1%
MFH vs TIGR — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | MFH | TIGR |
|---|---|---|
| Industry | Financial - Capital Markets | Financial - Capital Markets |
| Market Cap | $352M | $628M |
| Revenue (TTM) | $1M | $392M |
| Net Income (TTM) | $-14M | $118M |
| Gross Margin | -37.3% | 65.0% |
| Operating Margin | -458.3% | 35.6% |
| Forward P/E | — | 6.8x |
| Total Debt | $8M | $180M |
| Cash & Equiv. | $24M | $394M |
MFH vs TIGR — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
MFH
TIGR
| Stock | May 20 | Jan 26 | Return |
|---|---|---|---|
| Mercurity Fintech H… (MFH) | 100 | 287.6 | +187.6% |
| UP Fintech Holding … (TIGR) | 100 | 287.1 | +187.1% |
Price return only. Dividends and distributions are not included.
Quick Verdict: MFH vs TIGR
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: MFH and TIGR are tied at the top with 3 categories each — the right choice depends on your priorities. UP Fintech Holding Ltd. Sponsored ADR Class A is the stronger pick specifically for valuation and capital efficiency and profitability and margin quality. As sector peers, any of these can serve as alternatives in the same allocation.
MFH
Mercurity Fintech Holding Inc.
The Banking Pick
MFH has the current edge in this matchup, primarily because of its strength in income & stability and growth exposure.
- beta 2.02
- Rev growth 125.9%, EPS growth 62.7%
- Lower volatility, beta 2.02, Low D/E 32.3%, current ratio 2.59x
Best for: income & stability and growth exposure
TIGR
UP Fintech Holding Ltd. Sponsored ADR Class A
The Banking Pick
TIGR is the clearest fit if your priority is long-term compounding.
- -39.9% 10Y total return vs MFH's -94.0%
- Better valuation composite
- Efficiency ratio 0.3% vs MFH's 4.2% (lower = leaner)
Best for: long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | MFH | 125.9% NII/revenue growth vs TIGR's 43.7% |
| Value | TIGR | Better valuation composite |
| Quality / Margins | TIGR | Efficiency ratio 0.3% vs MFH's 4.2% (lower = leaner) |
| Stability / Safety | MFH | Beta 2.02 vs TIGR's 2.02 |
| Dividends | Tie | Neither stock pays a meaningful dividend |
| Momentum (1Y) | MFH | -18.8% vs TIGR's -29.9% |
| Efficiency (ROA) | TIGR | Efficiency ratio 0.3% vs MFH's 4.2% |
MFH vs TIGR — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2024
FY 2024
MFH vs TIGR — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLTIGRLAGGINGMFH
MFHMercurity Fintech Hol…
1leads
TIGRUP Fintech Holding Lt…
3leads
6 Total Categories
CATEGORYLEADERvs MFHMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
TIGR5/5
Valuation MetricsMultiples, price ratios, and targets
TIGR2/3
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
TIGR7/8
Total Returns1Y, 3Y, 5Y total returns with dividends
MFH5/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
—
—
Income & Cash Flow (Last 12 Months)
TIGR leads this category, winning 5 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
TIGR is the larger business by revenue, generating $392M annually — 388.7x MFH's $1M. TIGR is the more profitable business, keeping 15.5% of every revenue dollar as net income compared to MFH's -4.5%.
| Metric | MFHMercurity Fintech… | TIGRUP Fintech Holdin… |
|---|---|---|
| RevenueTrailing 12 months | $1M | $392M |
| EBITDAEarnings before interest/tax | -$12M | $225M |
| Net IncomeAfter-tax profit | -$14M | $118M |
| Free Cash FlowCash after capex | -$9M | $673M |
| Gross MarginGross profit ÷ Revenue | -37.3% | +65.0% |
| Operating MarginEBIT ÷ Revenue | -4.6% | +35.6% |
| Net MarginNet income ÷ Revenue | -4.5% | +15.5% |
| FCF MarginFCF ÷ Revenue | -3.6% | +2.1% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +93.4% | +12.4% |
TIGR leads this category, winning 5 of 5 comparable metrics.
Valuation Metrics
TIGR leads this category, winning 2 of 3 comparable metrics.
Valuation Metrics
| Metric | MFHMercurity Fintech… | TIGRUP Fintech Holdin… |
|---|---|---|
| Market CapShares × price | $352M | $628M |
| Enterprise ValueMkt cap + debt − cash | $335M | $414M |
| Trailing P/EPrice ÷ TTM EPS | -68.32x | 17.86x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 6.79x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | — | 2.80x |
| Price / SalesMarket cap ÷ Revenue | 349.01x | 1.60x |
| Price / BookPrice ÷ Book value/share | 12.86x | 1.64x |
| Price / FCFMarket cap ÷ FCF | — | 0.76x |
TIGR leads this category, winning 2 of 3 comparable metrics.
Profitability & Efficiency
TIGR leads this category, winning 7 of 8 comparable metrics.
Profitability & Efficiency
TIGR delivers a 17.6% return on equity — every $100 of shareholder capital generates $18 in annual profit, vs $-58 for MFH. TIGR carries lower financial leverage with a 0.27x debt-to-equity ratio, signaling a more conservative balance sheet compared to MFH's 0.32x.
| Metric | MFHMercurity Fintech… | TIGRUP Fintech Holdin… |
|---|---|---|
| ROE (TTM)Return on equity | -57.7% | +17.6% |
| ROA (TTM)Return on assets | -38.9% | +1.6% |
| ROICReturn on invested capital | -11.7% | +13.8% |
| ROCEReturn on capital employed | -21.9% | +18.7% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 6 |
| Debt / EquityFinancial leverage | 0.32x | 0.27x |
| Net DebtTotal debt minus cash | -$16M | -$214M |
| Cash & Equiv.Liquid assets | $24M | $394M |
| Total DebtShort + long-term debt | $8M | $180M |
| Interest CoverageEBIT ÷ Interest expense | -17.73x | 3.26x |
TIGR leads this category, winning 7 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
MFH leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in MFH five years ago would be worth $7,953 today (with dividends reinvested), compared to $3,769 for TIGR. Over the past 12 months, MFH leads with a -18.8% total return vs TIGR's -29.9%. The 3-year compound annual growth rate (CAGR) favors MFH at 47.1% vs TIGR's 30.4% — a key indicator of consistent wealth creation.
| Metric | MFHMercurity Fintech… | TIGRUP Fintech Holdin… |
|---|---|---|
| YTD ReturnYear-to-date | +14.1% | -38.4% |
| 1-Year ReturnPast 12 months | -18.8% | -29.9% |
| 3-Year ReturnCumulative with dividends | +218.1% | +121.7% |
| 5-Year ReturnCumulative with dividends | -20.5% | -62.3% |
| 10-Year ReturnCumulative with dividends | -94.0% | -39.9% |
| CAGR (3Y)Annualised 3-year return | +47.1% | +30.4% |
MFH leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
Evenly matched — MFH and TIGR each lead in 1 of 2 comparable metrics.
Risk & Volatility
MFH is the less volatile stock with a 2.02 beta — it tends to amplify market swings less than TIGR's 2.02 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. TIGR currently trades 47.5% from its 52-week high vs MFH's 13.8% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | MFHMercurity Fintech… | TIGRUP Fintech Holdin… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 2.02x | 2.02x |
| 52-Week HighHighest price in past year | $36.77 | $13.55 |
| 52-Week LowLowest price in past year | $1.38 | $5.95 |
| % of 52W HighCurrent price vs 52-week peak | +13.8% | +47.5% |
| RSI (14)Momentum oscillator 0–100 | 38.4 | 52.1 |
| Avg Volume (50D)Average daily shares traded | 170K | 2.3M |
Evenly matched — MFH and TIGR each lead in 1 of 2 comparable metrics.
Analyst Outlook
Insufficient data to determine a leader in this category.
Analyst Outlook
| Metric | MFHMercurity Fintech… | TIGRUP Fintech Holdin… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Sell |
| Price TargetConsensus 12-month target | — | $4.73 |
| # AnalystsCovering analysts | — | 4 |
| Dividend YieldAnnual dividend ÷ price | — | — |
| Dividend StreakConsecutive years of raises | — | — |
| Dividend / ShareAnnual DPS | — | — |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% |
Insufficient data to determine a leader in this category.
Key Takeaway
TIGR leads in 3 of 6 categories (Income & Cash Flow, Valuation Metrics). MFH leads in 1 (Total Returns). 1 tied.
Best OverallUP Fintech Holding Ltd. Spo… (TIGR)Leads 3 of 6 categories
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MFH vs TIGR: Frequently Asked Questions
8 questions · data-driven answers · updated daily
01Is MFH or TIGR a better buy right now?
For growth investors, Mercurity Fintech Holding Inc.
(MFH) is the stronger pick with 125. 9% revenue growth year-over-year, versus 43. 7% for UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR). UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) offers the better valuation at 17. 9x trailing P/E (6. 8x forward), making it the more compelling value choice. Analysts rate UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) a "Sell" — based on 4 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.
02Which is the better long-term investment — MFH or TIGR?
Over the past 5 years, Mercurity Fintech Holding Inc.
(MFH) delivered a total return of -20. 5%, compared to -62. 3% for UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR). Over 10 years, the gap is even starker: TIGR returned -39. 9% versus MFH's -94. 0%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
03Which is safer — MFH or TIGR?
By beta (market sensitivity over 5 years), Mercurity Fintech Holding Inc.
(MFH) is the lower-risk stock at 2. 02β versus UP Fintech Holding Ltd. Sponsored ADR Class A's 2. 02β — meaning TIGR is approximately 0% more volatile than MFH relative to the S&P 500. On balance sheet safety, UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) carries a lower debt/equity ratio of 27% versus 32% for Mercurity Fintech Holding Inc. — giving it more financial flexibility in a downturn.
04Which is growing faster — MFH or TIGR?
By revenue growth (latest reported year), Mercurity Fintech Holding Inc.
(MFH) is pulling ahead at 125. 9% versus 43. 7% for UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR). 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 62. 7% for Mercurity Fintech Holding 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.
05Which has better profit margins — MFH or TIGR?
UP Fintech Holding Ltd.
Sponsored ADR Class A (TIGR) is the more profitable company, earning 15. 5% net margin versus -450. 1% for Mercurity Fintech Holding Inc. — meaning it keeps 15. 5% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: TIGR leads at 35. 6% versus -458. 3% for MFH. At the gross margin level — before operating expenses — TIGR leads at 65. 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.
06Which pays a better dividend — MFH or TIGR?
None of the stocks in this comparison currently pay a material dividend.
All are effectively zero-yield and should be held for capital appreciation rather than income.
07Is MFH or TIGR better for a retirement portfolio?
For long-horizon retirement investors, UP Fintech Holding Ltd.
Sponsored ADR Class A (TIGR) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding. Mercurity Fintech Holding Inc. (MFH) carries a higher beta of 2. 02 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (TIGR: -39. 9%, MFH: -94. 0%), 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.
08What are the main differences between MFH and TIGR?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
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.
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