UP Fintech Holding Ltd. Sponsored ADR Class A(TIGR)Earnings, Financials & Key Ratios

TIGR•NASDAQ•Banking & Credit

$6.66

$650M mkt cap·18.5× P/E·Price updated May 6, 2026

SectorFinancial Services IndustryCapital Markets Sub-IndustryWealth Management Platforms

AboutUP Fintech Holding Limited provides online brokerage services focusing on Chinese investors. The company has developed a brokerage platform, which allows investor to trade stocks, options, warrants, and other financial instruments that can be accessed through its APP and website. It offers brokerage and value-added services, including investor education, community engagement, and IR platform; and account management services. The company also provides trade execution, margin financing, and securities lending services; asset management and wealth management; ESOP management; fund license application, product design, asset custody, transaction execution, and funding allocation; fund structuring and management; and IPO underwriting services. In addition, it offers market information, community engagement, investor education, and simulated trading services. The company was founded in 2014 and is based in Beijing, China.Show more

Net Interest Income-$61M-29.5%
Total Revenue$392M+43.7%
Net Income$61M+86.5%
Return on Equity10.49%+51.8%
Net Interest Margin-0.95%+24.1%
Efficiency Ratio29.44%-3.2%
ROA1.2%+38.8%
Equity / Assets10.36%-21.7%
Book Value per Share3.92+28.0%
Tangible BV/Share3.84+28.9%
Debt/Equity0.27-22.2%

Technical→

TIGR Key Insights

UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

✓Efficient operations: 29.4% efficiency ratio
✓Well capitalized: 10.4% equity/assets
✓Diversified revenue: 100.0% from non-interest income

✗Weaknesses

✗Weak NIM of -1.0%
✗Weak momentum: RS Rating 14 (bottom 14%)
✗Trading more than 30% below 52-week high

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

TIGR Price & Volume

UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) stock price & volume — 10-year historical chart

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TIGR Growth Metrics

UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years-

5 Years46.18%

3 Years13.97%

TTM-

Profit CAGR

10 Years-

5 Years-

3 Years60.49%

TTM346.76%

EPS CAGR

10 Years-

5 Years-

3 Years56.29%

TTM315.12%

Return on Capital

10 Years-14.06%

5 Years10.44%

3 Years11.51%

Last Year18.69%

TIGR Recent Earnings

UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) EPS & revenue vs analyst estimates — last 4 quarters

Full history →

●Beat EPS 7/12 qtrs (78%)●Beat Revenue 9/12 qtrs (90%)

Q2 2026Latest

Mar 19, 2026

EPS

$0.26

Est $0.21

+21.0%

Revenue

$176M

Est $147M

+19.1%

Q4 2025

Dec 4, 2025

EPS

$0.31

Est $0.22

+39.7%

Revenue

$175M

Est $133M

+31.9%

Q3 2025

Aug 27, 2025

EPS

$0.24

Est $0.10

+140.0%

Revenue

$139M

Est $118M

+17.4%

Q2 2025

May 30, 2025

EPS

$0.19

Est $0.11

+72.7%

Revenue

$124M

Est $100M

+24.6%

Quarter	Date	EPS (Act vs Est)	Revenue (Act vs Est)
Q2 2026Latest	Mar 19, 2026	$0.26vs $0.21+21.0%	$176Mvs $147M+19.1%
Q4 2025	Dec 4, 2025	$0.31vs $0.22+39.7%	$175Mvs $133M+31.9%
Q3 2025	Aug 27, 2025	$0.24vs $0.10+140.0%	$139Mvs $118M+17.4%
Q2 2025	May 30, 2025	$0.19vs $0.11+72.7%	$124Mvs $100M+24.6%

Based on last 12 quarters of dataView full earnings history →

Company	Market Cap	Stock Price	P/E Ratio (TTM)	Revenue Growth 1Y	Net Margin	Return on Equity (ROE)	FCF Yield	Debt / Equity
FUTUFutu Holdings LimitedDirect Competitor	55.94B	157.34	31.71	35.79%	40.05%	26.38%	7.03%	0.31
IBKRInteractive Brokers Group, Inc.Direct Competitor	37.39B	83.91	37.80	9.83%	9.62%	5.18%	42.11%	0.00
HOODRobinhood Markets, Inc.Direct Competitor	69.39B	77.03	37.58	51.58%	42.1%	21.38%	2.34%	1.68
MKTXMarketAxess Holdings Inc.Direct Competitor	5.62B	151.29	20.78	8.58%	33.56%	15.79%	6.68%	0.05
SCHWThe Charles Schwab CorporationProduct Competitor	164.19B	92.40	30.90	1.87%	22.85%	291.38%	1.25%	0.93
AMTDAMTD IDEA GroupProduct Competitor	7.51M	1.06	0.25	-55.94%	94.4%	12.95%	68.62%	0.17
LPLLG Display Co., Ltd.Product Competitor	4.45B	4.45	28.60	-3.03%	0.88%	2.9%	15.5%	1.62
LPLALPL Financial Holdings Inc.Product Competitor	26.27B	327.58	30.00	37.18%	5.08%	18.57%		1.36

Compare TIGR vs Peers

UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs FUTU

Most directly comparable listed peer for TIGR.

Scale Benchmark

vs SCHW

Larger-name benchmark to compare TIGR against a more recognizable public peer.

Peer Set

Compare Top 5

vs FUTU, IBKR, HOOD, MKTX

TIGR Income Statement

UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily

Line item	Dec'16	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	TTM
Net Interest Income	91.49K	318.63K	194.04K	-4.1M	-10.1M	-18.38M	-18.67M	-46.96M	-60.8M	-64.81M
NII Growth %	-	248.26%	-39.1%	-2213.75%	-146.31%	-81.93%	-1.58%	-151.53%	-29.49%	-63.38%
Net Interest Margin %	0.38%	0.88%	0.17%	-0.51%	-0.46%	-0.55%	-0.49%	-1.25%	-0.95%	-0.76%
Interest Income	91.49K	318.63K	194.04K	0	0	0	0	0	0	0
Interest Expense	0	0	0	4.1M	10.1M	18.38M	18.67M	46.96M	60.8M	64.81M
Loan Loss Provision	8.44M	11.99M	55.91M	34.21M	46.53M	118.3M	98.69M	62.88M	76.21M	91.11M
Non-Interest Income	5.38M	16.63M	33.37M	58.66M	138.5M	264.49M	225.37M	272.51M	391.54M	486.49M
Non-Interest Income %	98.33%	98.12%	99.42%	100%	100%	100%	100%	100%	100%	100%
Total Revenue	5.48M▲ 0%	16.95M▲ 209.5%	33.56M▲ 98.0%	58.66M▲ 74.8%	138.5M▲ 136.1%	264.49M▲ 91.0%	225.37M▼ 14.8%	272.51M▲ 20.9%	391.54M▲ 43.7%	486.49M▲ 0%
Revenue Growth %	-	209.53%	98.01%	74.8%	136.09%	90.97%	-14.79%	20.92%	43.68%	235.35%
Non-Interest Expense	10.57M	13.98M	24.54M	26.43M	50.73M	110.23M	87.61M	82.87M	115.26M	114.59M
Efficiency Ratio	193.04%	82.46%	73.12%	45.05%	36.63%	41.68%	38.87%	30.41%	29.44%	23.55%
Operating Income	-13.54M▲ 0%	-9.02M▲ 33.4%	-46.89M▼ 420.1%	-6.07M▲ 87.0%	31.14M▲ 612.7%	17.66M▼ 43.3%	20.4M▲ 15.5%	79.8M▲ 291.2%	139.27M▲ 74.5%	215.98M▲ 0%
Operating Margin %	-247.24%	-53.19%	-139.73%	-10.35%	22.48%	6.68%	9.05%	29.28%	35.57%	44.4%
Operating Income Growth %	-	33.41%	-420.14%	87.05%	612.71%	-43.28%	15.53%	291.15%	74.51%	-
Pretax Income	-13.37M▲ 0%	-9.11M▲ 31.9%	-46.17M▼ 406.7%	-9.31M▲ 79.8%	22.03M▲ 336.7%	19.05M▼ 13.5%	2.03M▼ 89.3%	45.99M▲ 2163.7%	81.76M▲ 77.8%	146.75M▲ 0%
Pretax Margin %	-244.22%	-53.76%	-137.56%	-15.86%	15.91%	7.2%	0.9%	16.88%	20.88%	30.16%
Income Tax	-2.56M	-1.18M	-1.87M	-3.36M	2.85M	4.36M	4.29M	12.99M	20.41M	28.44M
Effective Tax Rate %	19.16%	12.99%	4.06%	36.06%	12.94%	22.9%	211.08%	28.23%	24.96%	19.38%
Net Income	-10.76M▲ 0%	-7.51M▲ 30.2%	-43.21M▼ 475.3%	-6.59M▲ 84.7%	16.06M▲ 343.8%	14.69M▼ 8.6%	-2.19M▼ 114.9%	32.56M▲ 1589.3%	60.73M▲ 86.5%	117.65M▲ 0%
Net Margin %	-196.47%	-44.31%	-128.75%	-11.23%	11.6%	5.55%	-0.97%	11.95%	15.51%	24.18%
Net Income Growth %	-	30.19%	-475.33%	84.75%	343.8%	-8.55%	-114.88%	1589.34%	86.49%	346.76%
Net Income (Continuing)	-10.81M	-7.93M	-44.29M	-5.95M	19.18M	14.69M	-2.26M	33.01M	61.35M	118.3M
EPS (Diluted)	-0.10▲ 0%	-0.07▲ 30.2%	-0.32▼ 359.1%	-0.04▲ 86.8%	0.11▲ 360.7%	0.09▼ 14.3%	-0.01▼ 115.2%	0.21▲ 1568.5%	0.36▲ 71.4%	0.63▲ 0%
EPS Growth %	-	30.23%	-359.11%	86.81%	360.66%	-14.27%	-115.16%	1568.53%	71.43%	315.12%
EPS (Basic)	-0.10	-0.07	-0.32	-0.04	0.11	0.10	-0.01	0.21	0.38	-
Diluted Shares Outstanding	107.74M	107.74M	133.03M	140.99M	144.15M	155.71M	153.01M	161.82M	168.94M	185.41M

TIGR Balance Sheet

UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) balance sheet — assets, liabilities & shareholders' equity

Line item	Dec'16	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	TTM
Cash & Short Term Investments	14.75M	16.46M	70.84M	139.89M	98.91M	276.01M	441.14M	751.66M	470.2M	2.38B
Cash & Due from Banks	14.75M	16.46M	34.41M	59.41M	79.65M	269.06M	277.66M	322.6M	393.58M	511.94M
Short Term Investments	0	0	36.44M	80.48M	19.26M	6.95M	163.48M	429.06M	76.62M	293.17M
Total Investments	0	2.19M	38.82M	86.5M	25.74M	16.73M	171.41M	440.87M	95.86M	316.73M
Investments Growth %	-	-	1675.31%	122.81%	-70.24%	-35.03%	924.85%	157.2%	-78.26%	-105.16%
Long-Term Investments	0	2.19M	2.39M	6.02M	6.48M	9.78M	7.93M	11.81M	19.23M	82.87M
Accounts Receivables	0	2.2M	353.3K	106.11M	372.22M	664.66M	1.6B	753.36M	3.36B	4.07B
Goodwill & Intangibles	240.69K	242.3K	995.65K	10.5M	10.49M	11.38M	12.69M	13.73M	13.67M	2.49M
Goodwill	0	0	0	2.42M	2.42M	2.49M	2.49M	2.49M	2.49M	2.49M
Intangible Assets	240.69K	242.3K	995.65K	8.07M	8.06M	8.89M	10.19M	11.24M	11.18M	0
PP&E (Net)	576.79K	839.26K	1.33M	7.19M	8.91M	11.76M	20.27M	14.26M	26.24M	29.47M
Other Assets	8.8M	0	1.26M	3.05M	4.3M	4.97M	4.77M	5.28M	5.93B	10.16M
Total Current Assets	14.75M	28.14M	102.91M	769.75M	2.15B	3.27B	3.74B	3.69B	6.33B	8.49B
Total Non-Current Assets	9.61M	7.87M	12.31M	39.31M	40.1M	50.15M	58.78M	56.08M	6B	75.13M
Total Assets	24.36M▲ 0%	36M▲ 47.8%	115.22M▲ 220.0%	809.06M▲ 602.2%	2.19B▲ 171.0%	3.32B▲ 51.5%	3.8B▲ 14.3%	3.75B▼ 1.4%	6.39B▲ 70.6%	8.57B▲ 0%
Asset Growth %	-	47.78%	220%	602.22%	170.97%	51.5%	14.33%	-1.35%	70.61%	315.28%
Return on Assets (ROA)	-44.16%	-24.88%	-57.15%	-1.43%	1.07%	0.53%	-0.06%	0.86%	1.2%	1.64%
Accounts Payable	0	1.25M	6.56M	513.84M	1.7B	2.51B	3.14B	3.03B	5.49B	7.5B
Total Debt	0	0	0	5.84M	7.21M	154.54M	168.22M	172.64M	179.5M	174.52M
Net Debt	-14.75M	-16.46M	-34.41M	-53.57M	-72.45M	-114.51M	-109.44M	-149.96M	-214.08M	-337.42M
Long-Term Debt	0	0	0	0	0	148.84M	154.34M	156.89M	159.5M	0
Short-Term Debt	0	0	0	0	0	0	0	6.84M	9.94M	160.82M
Other Liabilities	0	43.25M	124.11M	3.08M	0	0	4.64M	5.89M	5.5B	0
Total Current Liabilities	3.17M	8.05M	16.99M	587.59M	1.95B	2.72B	3.18B	3.09B	5.56B	7.8B
Total Non-Current Liabilities	0	43.25M	124.11M	9.53M	5.26M	154.85M	169.82M	171.77M	5.66B	9.97M
Total Liabilities	3.17M	51.3M	141.09M	597.12M	1.96B	2.87B	3.35B	3.25B	5.73B	7.81B
Total Equity	20.82M▲ 0%	-15.3M▼ 173.5%	-25.88M▼ 69.2%	211.94M▲ 919.0%	235.69M▲ 11.2%	446.63M▲ 89.5%	446.99M▲ 0.1%	495.42M▲ 10.8%	662.12M▲ 33.6%	759.43M▲ 0%
Equity Growth %	-	-173.45%	-69.18%	919%	11.2%	89.5%	0.08%	10.84%	33.65%	133.99%
Equity / Assets (Capital Ratio)	85.48%	-42.48%	-22.46%	26.2%	10.75%	13.45%	11.77%	13.23%	10.36%	8.86%
Return on Equity (ROE)	-51.66%	-271.68%	-	-7.08%	7.18%	4.31%	-0.49%	6.91%	10.49%	17.64%
Book Value per Share	0.19	-0.14	-0.19	1.50	1.64	2.87	2.92	3.06	3.92	4.10
Tangible BV per Share	0.19	-0.14	-0.20	1.43	1.56	2.80	2.84	2.98	3.84	4.08
Common Stock	357.34K	0	5.54K	21.15K	21.32K	22.82K	23.19K	23.5K	26.4K	26.66K
Additional Paid-in Capital	6.94M	7.65M	42.52M	285.77M	291.83M	484.34M	495.71M	505.45M	619.03M	627.5M
Retained Earnings	-15.67M	-23.18M	-66.39M	-73.7M	-59.58M	-45.79M	-50.37M	-19.6M	37.84M	112.27M
Accumulated OCI	29.09M	206.73K	-544.99K	-142.41K	5.59M	10.23M	3.94M	5.28M	506.15K	16.36M
Treasury Stock	0	0	0	0	-2.17M	-2.17M	-2.17M	-2.17M	-2.17M	-2.17M
Preferred Stock	0	0	4.2K	0	0	0	0	0	0	0

TIGR Cash Flow Statement

UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) cash flow — operating, investing & free cash flow history

Line item	Dec'16	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	TTM
Cash from Operations	-11.5M	-8.51M	-21.17M	243.31M	535.28M	413.2M	258.06M	-6.57M	827.98M	827.98M
Operating CF Growth %	-	26.01%	-148.77%	1249.22%	120%	-22.81%	-37.55%	-102.54%	12710.08%	-300%
Net Income	-10.81M	-7.93M	-44.29M	-5.95M	19.18M	14.69M	-2.26M	32.56M	60.73M	117.65M
Depreciation & Amortization	195.76K	342.45K	473.73K	752.17K	928.41K	1.34M	2.75M	2.84M	2.62M	1.31M
Deferred Taxes	-2.62M	-1.18M	-1.87M	-6.22M	1.77M	-662.31K	-1.26M	0	0	0
Other Non-Cash Items	-139.83K	902.81K	-757.78K	-1.62M	3.31M	421.67K	2.48M	-363.95M	2.83B	783.12M
Working Capital Changes	1.58M	-543K	-8.92M	252.28M	504.03M	384.04M	242.14M	311.83M	-2.07B	-924.59M
Cash from Investing	302.25K	-3.67M	-35.12M	-22.04M	43.56M	10.92M	-3.61M	-7.75M	-8.66M	-10.23M
Purchase of Investments	-35K	-2.15M	-30M	-66.2M	-31.45M	-19.91M	-243.29K	0	0	0
Sale/Maturity of Investments	144.03K	227.47K	1000K	1000K	1000K	1000K	1000K	0	0	0
Net Investment Activity	109.03K	-1.92M	-29M	-65.2M	-30.45M	-18.91M	756.71K	0	0	0
Acquisitions	-243.69K	-90.04K	0	-6.76M	0	2.66M	0	0	0	0
Other Investing	1.02M	-1.07M	-3.44M	22.24M	-2.39M	45.35K	-552.65K	-4.99M	-7.1M	-10.04M
Cash from Financing	18.09M	14.6M	79.53M	114.91M	-8.37M	330.88M	4.73M	1.82M	103.83M	0
Dividends Paid	0	0	0	0	0	0	0	0	0	0
Share Repurchases	0	0	0	0	-2.17M	0	0	0	0	0
Stock Issued	0	0	179.53K	114.77M	0	175.42M	366.54K	140.38K	103.74M	0
Net Stock Activity	0	0	179.53K	114.77M	-2.17M	175.42M	366.54K	140.38K	103.74M	0
Debt Issuance (Net)	0	0	0	-1000K	0	1000K	0	0	0	0
Other Financing	144.03K	-140.23K	2.2M	440.62K	-6.19M	-154.91M	4.36M	1.68M	84.69K	0
Net Change in Cash	6.24M▲ 0%	3.31M▼ 46.9%	23.04M▲ 595.9%	336.22M▲ 1359.2%	570.28M▲ 69.6%	753.29M▲ 32.1%	254.84M▼ 66.2%	-15.97M▼ 106.3%	918.51M▲ 5849.7%	-2.09B▲ 0%
Exchange Rate Effect	-650.97K	895.64K	-189.16K	45.69K	-194.55K	-1000K	-1000K	-1000K	-1000K	-1000K
Cash at Beginning	8.51M	14.75M	18.06M	41.1M	377.32M	947.6M	1.7B	1.96B	1.94B	0
Cash at End	14.75M	18.06M	41.1M	377.32M	947.6M	1.7B	1.96B	1.94B	2.86B	0
Interest Paid	0	0	0	0	0	0	0	0	0	0
Income Taxes Paid	0	22.43K	0	762.18K	266.27K	5.59M	2.13M	13.32M	11.29M	0
Free Cash Flow	-11.94M▲ 0%	-9.1M▲ 23.8%	-22.86M▼ 151.3%	241.99M▲ 1158.8%	534.3M▲ 120.8%	408.24M▼ 23.6%	253.17M▼ 38.0%	-9.33M▼ 103.7%	826.42M▲ 8957.7%	672.66M▲ 0%
FCF Growth %	-	23.84%	-151.28%	1158.77%	120.79%	-23.59%	-37.98%	-103.69%	8957.72%	213.56%

TIGR Banking Ratios

UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric	2017	2018	2019	2020	2021	2022	2023	2024	TTM
Return on Equity (ROE)	-271.68%	-	-7.08%	7.18%	4.31%	-0.49%	6.91%	10.49%	17.64%
Return on Assets (ROA)	-24.88%	-57.15%	-1.43%	1.07%	0.53%	-0.06%	0.86%	1.2%	1.64%
Net Interest Margin	0.88%	0.17%	-0.51%	-0.46%	-0.55%	-0.49%	-1.25%	-0.95%	-0.76%
Efficiency Ratio	82.46%	73.12%	45.05%	36.63%	41.68%	38.87%	30.41%	29.44%	23.55%
Equity / Assets	-42.48%	-22.46%	26.2%	10.75%	13.45%	11.77%	13.23%	10.36%	8.86%
Book Value / Share	-0.14	-0.19	1.5	1.64	2.87	2.92	3.06	3.92	4.1
NII Growth	248.26%	-39.1%	-2213.75%	-146.31%	-81.93%	-1.58%	-151.53%	-29.49%	-14.71%
Dividend Payout	-	-	-	-	-	-	-	-	0%

TIGR Frequently Asked Questions

UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) grew revenue by 43.7% over the past year. This is strong growth.

Yes, UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) is profitable, generating $117.7M in net income for fiscal year 2024 (15.5% net margin).

Dividend & Returns

UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) has a return on equity (ROE) of 10.5%. This is reasonable for most industries.

Industry Metrics

UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) has a net interest margin (NIM) of -1.0%. NIM has been under pressure due to interest rate environment.

UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) has an efficiency ratio of 29.4%. This is excellent, indicating strong cost control.

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UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) financial analysis — history, returns, DCA and operating performance tools

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UP Fintech Holding Ltd. Sponsored ADR Class A(TIGR)Earnings, Financials & Key Ratios

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