PLUT
Plutus Financial Group Limited
Financial - Capital Markets
Market Cap$45M
5Y Perf.-27.5%
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Stock Comparison
PLUT 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.-11.2%
PLUT vs TIGR — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | PLUT | TIGR |
|---|---|---|
| Industry | Financial - Capital Markets | Financial - Capital Markets |
| Market Cap | $45M | $628M |
| Revenue (TTM) | $10M | $392M |
| Net Income (TTM) | $-10M | $118M |
| Gross Margin | -14.6% | 65.0% |
| Operating Margin | -74.2% | 35.6% |
| Forward P/E | — | 6.8x |
| Total Debt | $2M | $180M |
| Cash & Equiv. | $31M | $394M |
PLUT vs TIGR — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
PLUT
TIGR
| Stock | Feb 25 | May 26 | Return |
|---|---|---|---|
| Plutus Financial Gr… (PLUT) | 100 | 72.5 | -27.5% |
| UP Fintech Holding … (TIGR) | 100 | 88.8 | -11.2% |
Price return only. Dividends and distributions are not included.
Quick Verdict: PLUT vs TIGR
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: TIGR leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. Plutus Financial Group Limited is the stronger pick specifically for capital preservation and lower volatility and recent price momentum and sentiment. As sector peers, any of these can serve as alternatives in the same allocation.
PLUT
Plutus Financial Group Limited
The Banking Pick
PLUT is the clearest fit if your priority is income & stability and long-term compounding.
- beta 0.77
- -27.0% 10Y total return vs TIGR's -39.9%
- Lower volatility, beta 0.77, Low D/E 3.9%, current ratio 4.16x
Best for: income & stability and long-term compounding
TIGR
UP Fintech Holding Ltd. Sponsored ADR Class A
The Banking Pick
TIGR carries the broadest edge in this set and is the clearest fit for growth exposure.
- Rev growth 43.7%, EPS growth 71.4%
- 43.7% NII/revenue growth vs PLUT's -55.6%
- Better valuation composite
Best for: growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | TIGR | 43.7% NII/revenue growth vs PLUT's -55.6% |
| Value | TIGR | Better valuation composite |
| Quality / Margins | TIGR | Efficiency ratio 0.3% vs PLUT's 0.6% (lower = leaner) |
| Stability / Safety | PLUT | Beta 0.77 vs TIGR's 2.02, lower leverage |
| Dividends | Tie | Neither stock pays a meaningful dividend |
| Momentum (1Y) | PLUT | +23.7% vs TIGR's -29.9% |
| Efficiency (ROA) | TIGR | Efficiency ratio 0.3% vs PLUT's 0.6% |
PLUT vs TIGR — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2024
PLUT vs TIGR — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLTIGRLAGGINGPLUT
PLUTPlutus Financial Grou…
2leads
TIGRUP Fintech Holding Lt…
3leads
6 Total Categories
CATEGORYLEADERvs PLUTMETRICS 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
TIGR7/9
Total Returns1Y, 3Y, 5Y total returns with dividends
PLUT4/6
Risk & VolatilityBeta, volatility, and downside exposure
PLUT2/2
Analyst OutlookRatings, price targets, and dividends
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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 — 40.2x PLUT's $10M. TIGR is the more profitable business, keeping 15.5% of every revenue dollar as net income compared to PLUT's -56.7%.
| Metric | PLUTPlutus Financial … | TIGRUP Fintech Holdin… |
|---|---|---|
| RevenueTrailing 12 months | $10M | $392M |
| EBITDAEarnings before interest/tax | -$12M | $225M |
| Net IncomeAfter-tax profit | -$10M | $118M |
| Free Cash FlowCash after capex | -$6M | $673M |
| Gross MarginGross profit ÷ Revenue | -14.6% | +65.0% |
| Operating MarginEBIT ÷ Revenue | -74.2% | +35.6% |
| Net MarginNet income ÷ Revenue | -56.7% | +15.5% |
| FCF MarginFCF ÷ Revenue | -96.3% | +2.1% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -2.0% | +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 | PLUTPlutus Financial … | TIGRUP Fintech Holdin… |
|---|---|---|
| Market CapShares × price | $45M | $628M |
| Enterprise ValueMkt cap + debt − cash | $41M | $414M |
| Trailing P/EPrice ÷ TTM EPS | -58.64x | 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 | 36.01x | 1.60x |
| Price / BookPrice ÷ Book value/share | 5.84x | 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 9 comparable metrics.
Profitability & Efficiency
TIGR delivers a 17.6% return on equity — every $100 of shareholder capital generates $18 in annual profit, vs $-15 for PLUT. PLUT carries lower financial leverage with a 0.04x debt-to-equity ratio, signaling a more conservative balance sheet compared to TIGR's 0.27x. On the Piotroski fundamental quality scale (0–9), TIGR scores 6/9 vs PLUT's 2/9, reflecting solid financial health.
| Metric | PLUTPlutus Financial … | TIGRUP Fintech Holdin… |
|---|---|---|
| ROE (TTM)Return on equity | -14.8% | +17.6% |
| ROA (TTM)Return on assets | -11.3% | +1.6% |
| ROICReturn on invested capital | -9.1% | +13.8% |
| ROCEReturn on capital employed | -12.4% | +18.7% |
| Piotroski ScoreFundamental quality 0–9 | 2 | 6 |
| Debt / EquityFinancial leverage | 0.04x | 0.27x |
| Net DebtTotal debt minus cash | -$28M | -$214M |
| Cash & Equiv.Liquid assets | $31M | $394M |
| Total DebtShort + long-term debt | $2M | $180M |
| Interest CoverageEBIT ÷ Interest expense | -48.68x | 3.26x |
TIGR leads this category, winning 7 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
PLUT leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in PLUT five years ago would be worth $7,300 today (with dividends reinvested), compared to $3,769 for TIGR. Over the past 12 months, PLUT leads with a +23.7% total return vs TIGR's -29.9%. The 3-year compound annual growth rate (CAGR) favors TIGR at 30.4% vs PLUT's -10.0% — a key indicator of consistent wealth creation.
| Metric | PLUTPlutus Financial … | TIGRUP Fintech Holdin… |
|---|---|---|
| YTD ReturnYear-to-date | -11.0% | -38.4% |
| 1-Year ReturnPast 12 months | +23.7% | -29.9% |
| 3-Year ReturnCumulative with dividends | -27.0% | +121.7% |
| 5-Year ReturnCumulative with dividends | -27.0% | -62.3% |
| 10-Year ReturnCumulative with dividends | -27.0% | -39.9% |
| CAGR (3Y)Annualised 3-year return | -10.0% | +30.4% |
PLUT leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
PLUT leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
PLUT is the less volatile stock with a 0.77 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. PLUT currently trades 69.7% from its 52-week high vs TIGR's 47.5% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | PLUTPlutus Financial … | TIGRUP Fintech Holdin… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.77x | 2.02x |
| 52-Week HighHighest price in past year | $4.19 | $13.55 |
| 52-Week LowLowest price in past year | $2.04 | $5.95 |
| % of 52W HighCurrent price vs 52-week peak | +69.7% | +47.5% |
| RSI (14)Momentum oscillator 0–100 | 38.8 | 52.1 |
| Avg Volume (50D)Average daily shares traded | 4K | 2.3M |
PLUT leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Insufficient data to determine a leader in this category.
Analyst Outlook
| Metric | PLUTPlutus Financial … | 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). PLUT leads in 2 (Total Returns, Risk & Volatility).
Best OverallUP Fintech Holding Ltd. Spo… (TIGR)Leads 3 of 6 categories
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PLUT vs TIGR: Frequently Asked Questions
8 questions · data-driven answers · updated daily
01Is PLUT or TIGR a better buy right now?
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 -55. 6% for Plutus Financial Group Limited (PLUT). 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 — PLUT or TIGR?
Over the past 5 years, Plutus Financial Group Limited (PLUT) delivered a total return of -27.
0%, compared to -62. 3% for UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR). Over 10 years, the gap is even starker: PLUT returned -27. 0% versus TIGR's -39. 9%. 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 — PLUT or TIGR?
By beta (market sensitivity over 5 years), Plutus Financial Group Limited (PLUT) is the lower-risk stock at 0.
77β versus UP Fintech Holding Ltd. Sponsored ADR Class A's 2. 02β — meaning TIGR is approximately 161% more volatile than PLUT relative to the S&P 500. On balance sheet safety, Plutus Financial Group Limited (PLUT) carries a lower debt/equity ratio of 4% versus 27% for UP Fintech Holding Ltd. Sponsored ADR Class A — giving it more financial flexibility in a downturn.
04Which is growing faster — PLUT or TIGR?
By revenue growth (latest reported year), UP Fintech Holding Ltd.
Sponsored ADR Class A (TIGR) is pulling ahead at 43. 7% versus -55. 6% for Plutus Financial Group Limited (PLUT). 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 9. 3% for Plutus Financial Group Limited. 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 — PLUT or TIGR?
UP Fintech Holding Ltd.
Sponsored ADR Class A (TIGR) is the more profitable company, earning 15. 5% net margin versus -56. 7% for Plutus Financial Group Limited — 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 -74. 2% for PLUT. 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 — PLUT 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 PLUT or TIGR better for a retirement portfolio?
For long-horizon retirement investors, Plutus Financial Group Limited (PLUT) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.
77)). UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) 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 (PLUT: -27. 0%, TIGR: -39. 9%), 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 PLUT 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.
In terms of investment character: PLUT is a small-cap quality compounder stock; TIGR is a small-cap high-growth stock. 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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