TOP
TOP Financial Group Limited
Financial - Capital Markets
Market Cap$29M
5Y Perf.-96.9%
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Stock Comparison
TOP 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.+36.5%
TOP vs TIGR — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | TOP | TIGR |
|---|---|---|
| Industry | Financial - Capital Markets | Financial - Capital Markets |
| Market Cap | $29M | $628M |
| Revenue (TTM) | $3M | $392M |
| Net Income (TTM) | $2M | $118M |
| Gross Margin | 7.4% | 65.0% |
| Operating Margin | -167.2% | 35.6% |
| Forward P/E | — | 6.8x |
| Total Debt | $271K | $180M |
| Cash & Equiv. | $12M | $394M |
TOP vs TIGR — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
TOP
TIGR
| Stock | Jun 22 | May 26 | Return |
|---|---|---|---|
| TOP Financial Group… (TOP) | 100 | 3.1 | -96.9% |
| UP Fintech Holding … (TIGR) | 100 | 136.5 | +36.5% |
Price return only. Dividends and distributions are not included.
Quick Verdict: TOP 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 profitability and margin quality. TOP Financial Group Limited is the stronger pick specifically for valuation and capital efficiency and capital preservation and lower volatility. As sector peers, any of these can serve as alternatives in the same allocation.
TOP
TOP Financial Group Limited
The Banking Pick
TOP is the clearest fit if your priority is income & stability and sleep-well-at-night.
- Dividend streak 1 yrs, beta 1.01
- Lower volatility, beta 1.01, Low D/E 0.8%, current ratio 3.44x
- Beta 1.01, current ratio 3.44x
Best for: income & stability and sleep-well-at-night
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 and long-term compounding.
- Rev growth 43.7%, EPS growth 71.4%
- -39.9% 10Y total return vs TOP's -95.4%
- 43.7% NII/revenue growth vs TOP's -58.6%
Best for: growth exposure and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | TIGR | 43.7% NII/revenue growth vs TOP's -58.6% |
| Value | TOP | Better valuation composite |
| Quality / Margins | TIGR | Efficiency ratio 0.3% vs TOP's 1.7% (lower = leaner) |
| Stability / Safety | TOP | Beta 1.01 vs TIGR's 2.02, lower leverage |
| Dividends | Tie | Neither stock pays a meaningful dividend |
| Momentum (1Y) | TIGR | -29.9% vs TOP's -32.0% |
| Efficiency (ROA) | TIGR | Efficiency ratio 0.3% vs TOP's 1.7% |
TOP vs TIGR — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2024
TOP vs TIGR — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLTIGRLAGGINGTOP
TOPTOP Financial Group L…
1leads
TIGRUP Fintech Holding Lt…
3leads
6 Total Categories
CATEGORYLEADERvs TOPMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
TIGR5/5
Valuation MetricsMultiples, price ratios, and targets
TOP2/3
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
TIGR5/8
Total Returns1Y, 3Y, 5Y total returns with dividends
TIGR5/6
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 — 117.6x TOP's $3M. TIGR is the more profitable business, keeping 15.5% of every revenue dollar as net income compared to TOP's -179.3%.
| Metric | TOPTOP Financial Gro… | TIGRUP Fintech Holdin… |
|---|---|---|
| RevenueTrailing 12 months | $3M | $392M |
| EBITDAEarnings before interest/tax | $6M | $225M |
| Net IncomeAfter-tax profit | $2M | $118M |
| Free Cash FlowCash after capex | $8M | $673M |
| Gross MarginGross profit ÷ Revenue | +7.4% | +65.0% |
| Operating MarginEBIT ÷ Revenue | -167.2% | +35.6% |
| Net MarginNet income ÷ Revenue | -179.3% | +15.5% |
| FCF MarginFCF ÷ Revenue | -4.3% | +2.1% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -112.2% | +12.4% |
TIGR leads this category, winning 5 of 5 comparable metrics.
Valuation Metrics
TOP leads this category, winning 2 of 3 comparable metrics.
Valuation Metrics
| Metric | TOPTOP Financial Gro… | TIGRUP Fintech Holdin… |
|---|---|---|
| Market CapShares × price | $29M | $628M |
| Enterprise ValueMkt cap + debt − cash | $17M | $414M |
| Trailing P/EPrice ÷ TTM EPS | -4.84x | 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 | 8.62x | 1.60x |
| Price / BookPrice ÷ Book value/share | 0.82x | 1.64x |
| Price / FCFMarket cap ÷ FCF | — | 0.76x |
TOP leads this category, winning 2 of 3 comparable metrics.
Profitability & Efficiency
TIGR leads this category, winning 5 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 $5 for TOP. TOP carries lower financial leverage with a 0.01x 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 TOP's 0/9, reflecting solid financial health.
| Metric | TOPTOP Financial Gro… | TIGRUP Fintech Holdin… |
|---|---|---|
| ROE (TTM)Return on equity | +5.4% | +17.6% |
| ROA (TTM)Return on assets | +3.6% | +1.6% |
| ROICReturn on invested capital | -11.0% | +13.8% |
| ROCEReturn on capital employed | -13.6% | +18.7% |
| Piotroski ScoreFundamental quality 0–9 | 0 | 6 |
| Debt / EquityFinancial leverage | 0.01x | 0.27x |
| Net DebtTotal debt minus cash | -$12M | -$214M |
| Cash & Equiv.Liquid assets | $12M | $394M |
| Total DebtShort + long-term debt | $270,866 | $180M |
| Interest CoverageEBIT ÷ Interest expense | — | 3.26x |
TIGR leads this category, winning 5 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
TIGR leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in TIGR five years ago would be worth $3,769 today (with dividends reinvested), compared to $456 for TOP. Over the past 12 months, TIGR leads with a -29.9% total return vs TOP's -32.0%. The 3-year compound annual growth rate (CAGR) favors TIGR at 30.4% vs TOP's -59.0% — a key indicator of consistent wealth creation.
| Metric | TOPTOP Financial Gro… | TIGRUP Fintech Holdin… |
|---|---|---|
| YTD ReturnYear-to-date | -23.3% | -38.4% |
| 1-Year ReturnPast 12 months | -32.0% | -29.9% |
| 3-Year ReturnCumulative with dividends | -93.1% | +121.7% |
| 5-Year ReturnCumulative with dividends | -95.4% | -62.3% |
| 10-Year ReturnCumulative with dividends | -95.4% | -39.9% |
| CAGR (3Y)Annualised 3-year return | -59.0% | +30.4% |
TIGR leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
Evenly matched — TOP and TIGR each lead in 1 of 2 comparable metrics.
Risk & Volatility
TOP is the less volatile stock with a 1.01 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 TOP's 23.3% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | TOPTOP Financial Gro… | TIGRUP Fintech Holdin… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.01x | 2.02x |
| 52-Week HighHighest price in past year | $3.33 | $13.55 |
| 52-Week LowLowest price in past year | $0.61 | $5.95 |
| % of 52W HighCurrent price vs 52-week peak | +23.3% | +47.5% |
| RSI (14)Momentum oscillator 0–100 | 44.8 | 52.1 |
| Avg Volume (50D)Average daily shares traded | 822K | 2.3M |
Evenly matched — TOP and TIGR each lead in 1 of 2 comparable metrics.
Analyst Outlook
Insufficient data to determine a leader in this category.
Analyst Outlook
| Metric | TOPTOP Financial Gro… | 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 | 1 | — |
| 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, Profitability & Efficiency). TOP leads in 1 (Valuation Metrics). 1 tied.
Best OverallUP Fintech Holding Ltd. Spo… (TIGR)Leads 3 of 6 categories
Loading custom metrics...
TOP vs TIGR: Frequently Asked Questions
8 questions · data-driven answers · updated daily
01Is TOP 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 -58. 6% for TOP Financial Group Limited (TOP). 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 — TOP or TIGR?
Over the past 5 years, UP Fintech Holding Ltd.
Sponsored ADR Class A (TIGR) delivered a total return of -62. 3%, compared to -95. 4% for TOP Financial Group Limited (TOP). Over 10 years, the gap is even starker: TIGR returned -39. 9% versus TOP's -95. 4%. 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 — TOP or TIGR?
By beta (market sensitivity over 5 years), TOP Financial Group Limited (TOP) is the lower-risk stock at 1.
01β versus UP Fintech Holding Ltd. Sponsored ADR Class A's 2. 02β — meaning TIGR is approximately 100% more volatile than TOP relative to the S&P 500. On balance sheet safety, TOP Financial Group Limited (TOP) carries a lower debt/equity ratio of 1% versus 27% for UP Fintech Holding Ltd. Sponsored ADR Class A — giving it more financial flexibility in a downturn.
04Which is growing faster — TOP or TIGR?
By revenue growth (latest reported year), UP Fintech Holding Ltd.
Sponsored ADR Class A (TIGR) is pulling ahead at 43. 7% versus -58. 6% for TOP Financial Group Limited (TOP). 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 -590. 8% for TOP 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 — TOP or TIGR?
UP Fintech Holding Ltd.
Sponsored ADR Class A (TIGR) is the more profitable company, earning 15. 5% net margin versus -179. 3% for TOP 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 -167. 2% for TOP. 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 — TOP 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 TOP or TIGR better for a retirement portfolio?
For long-horizon retirement investors, TOP Financial Group Limited (TOP) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1.
01)). 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 (TOP: -95. 4%, 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 TOP 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: TOP 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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