SNTG vs FUTU vs TIGR vs QFIN

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 -26. 6% for Sentage Holdings Inc. (SNTG). Qfin Holdings, Inc. (QFIN) offers the better valuation at 2. 1x trailing P/E (0. 5x 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, Qfin Holdings, Inc.

(QFIN) is the cheapest at 2. 1x versus Futu Holdings Limited at 29. 1x. On forward P/E, Qfin Holdings, Inc. is actually cheaper at 0. 5x. 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 Qfin Holdings, Inc. 's 0. 02x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.

Over the past 5 years, Futu Holdings Limited (FUTU) delivered a total return of +24.

5%, compared to -58. 4% for UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR). Over 10 years, the gap is even starker: FUTU returned +873. 5% versus SNTG's -56. 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), Qfin Holdings, Inc.

(QFIN) is the lower-risk stock at 1. 20β versus Futu Holdings Limited's 2. 11β — meaning FUTU is approximately 76% more volatile than QFIN relative to the S&P 500. On balance sheet safety, Sentage Holdings Inc. (SNTG) carries a lower debt/equity ratio of 1% versus 31% for Futu Holdings Limited — 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 -26. 6% for Sentage Holdings Inc. (SNTG). 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 11. 3% for Sentage Holdings 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.

Futu Holdings Limited (FUTU) is the more profitable company, earning 40.

1% net margin versus -1864. 8% for Sentage Holdings Inc. — meaning it keeps 40. 1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: FUTU leads at 48. 7% versus -1615. 2% for SNTG. At the gross margin level — before operating expenses — SNTG leads at 92. 5%, 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 Qfin Holdings, Inc. 's 0. 02x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, Qfin Holdings, Inc. (QFIN) trades at 0. 5x forward P/E versus 6. 8x for UP Fintech Holding Ltd. Sponsored ADR Class A — 6. 4x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for QFIN: 114. 1% to $28. 15.

In this comparison, QFIN (9.

3% yield) pays a dividend. SNTG, FUTU, TIGR do not pay a meaningful dividend and should not be held primarily for income.

For long-horizon retirement investors, Qfin Holdings, Inc.

(QFIN) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1. 20), 9. 3% yield). 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 (QFIN: +15. 7%, 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.

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: SNTG is a small-cap quality compounder stock; FUTU is a mid-cap high-growth stock; TIGR is a small-cap high-growth stock; QFIN is a small-cap deep-value stock. QFIN pays a dividend while SNTG, FUTU, 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.