UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) fundamental analysis — strengths, weaknesses & financial health based on data analysis
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UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) stock price & volume — 10-year historical chart
UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q3 2026Latest | Jun 2, 2026 | $0.13vs $0.23-156.0% | $155Mvs $152M+1.8% |
| Q2 2026 | 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% |
UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) competitors in Wealth Management Platforms — business model, growth, and fundamentals comparison
UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) annual income statement — 10-year revenue, gross profit & net income history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 318.63K | 194.04K | -4.1M | -10.1M | -18.38M | -18.67M | -46.96M | -60.8M | 184.13M | -64.81M |
NII Growth % | 248.26% | -39.1% | -2213.75% | -146.31% | -81.93% | -1.58% | -151.53% | -29.49% | 402.82% | -63.38% |
Net Interest Margin % | 0.88% | 0.17% | -0.51% | -0.46% | -0.55% | -0.49% | -1.25% | -0.95% | 2.24% | -0.76% |
Interest Income | 318.63K | 194.04K | 0 | 0 | 0 | 0 | 0 | 0 | 257.68M | 0 |
Interest Expense | 0 | 0 | 4.1M | 10.1M | 18.38M | 18.67M | 46.96M | 60.8M | 73.55M | 64.81M |
Loan Loss Provision | 11.99M | 55.91M | 34.21M | 46.53M | 118.3M | 98.69M | 62.88M | 76.21M | -31.92M | 91.11M |
Non-Interest Income | 16.63M | 33.37M | 58.66M | 138.5M | 264.49M | 225.37M | 272.51M | 391.54M | 356.01M | 486.49M |
Non-Interest Income % | 98.12% | 99.42% | 100% | 100% | 100% | 100% | 100% | 100% | 58.01% | 100% |
Total Revenue | 16.95M▲ 0% | 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% | 613.68M▲ 56.7% | 486.49M▲ 0% |
Revenue Growth % | 209.53% | 98.01% | 74.8% | 136.09% | 90.97% | -14.79% | 20.92% | 43.68% | 56.74% | 235.35% |
Non-Interest Expense | 13.98M | 24.54M | 26.43M | 50.73M | 110.23M | 87.61M | 82.87M | 115.26M | 289.57M | 114.59M |
Efficiency Ratio | 82.46% | 73.12% | 45.05% | 36.63% | 41.68% | 38.87% | 30.41% | 29.44% | 47.19% | 23.55% |
Operating Income | -9.02M▲ 0% | -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% | 282.48M▲ 102.8% | 215.98M▲ 0% |
Operating Margin % | -53.19% | -139.73% | -10.35% | 22.48% | 6.68% | 9.05% | 29.28% | 35.57% | 46.03% | 44.4% |
Operating Income Growth % | 33.41% | -420.14% | 87.05% | 612.71% | -43.28% | 15.53% | 291.15% | 74.51% | 102.83% | - |
Pretax Income | -9.11M▲ 0% | -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% | 207.99M▲ 154.4% | 146.75M▲ 0% |
Pretax Margin % | -53.76% | -137.56% | -15.86% | 15.91% | 7.2% | 0.9% | 16.88% | 20.88% | 33.89% | 30.16% |
Income Tax | -1.18M | -1.87M | -3.36M | 2.85M | 4.36M | 4.29M | 12.99M | 20.41M | 36.06M | 28.44M |
Effective Tax Rate % | 12.99% | 4.06% | 36.06% | 12.94% | 22.9% | 211.08% | 28.23% | 24.96% | 17.34% | 19.38% |
Net Income | -7.51M▲ 0% | -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% | 171.45M▲ 182.3% | 117.65M▲ 0% |
Net Margin % | -44.31% | -128.75% | -11.23% | 11.6% | 5.55% | -0.97% | 11.95% | 15.51% | 27.94% | 24.18% |
Net Income Growth % | 30.19% | -475.33% | 84.75% | 343.8% | -8.55% | -114.88% | 1589.34% | 86.49% | 182.32% | 346.76% |
Net Income (Continuing) | -7.93M | -44.29M | -5.95M | 19.18M | 14.69M | -2.26M | 33.01M | 61.35M | 171.94M | 118.3M |
EPS (Diluted) | -0.07▲ 0% | -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% | 0.92▲ 155.6% | 0.63▲ 0% |
EPS Growth % | 30.23% | -359.11% | 86.81% | 360.66% | -14.27% | -115.16% | 1568.53% | 71.43% | 155.56% | 315.12% |
EPS (Basic) | -0.07 | -0.32 | -0.04 | 0.11 | 0.10 | -0.01 | 0.21 | 0.38 | 0.97 | - |
Diluted Shares Outstanding | 107.74M | 133.03M | 140.99M | 144.15M | 155.71M | 153.01M | 161.82M | 168.94M | 187.18M | 185.41M |
UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 16.46M | 70.84M | 139.89M | 98.91M | 276.01M | 441.14M | 751.66M | 470.2M | 4.28B | 2.38B |
Cash & Due from Banks | 16.46M | 34.41M | 59.41M | 79.65M | 269.06M | 277.66M | 322.6M | 393.58M | 4.19B | 511.94M |
Short Term Investments | 0 | 36.44M | 80.48M | 19.26M | 6.95M | 163.48M | 429.06M | 76.62M | 87.6M | 293.17M |
Total Investments | 2.19M | 38.82M | 86.5M | 25.74M | 16.73M | 171.41M | 440.87M | 95.86M | 98.19M | 316.73M |
Investments Growth % | - | 1675.31% | 122.81% | -70.24% | -35.03% | 924.85% | 157.2% | -78.26% | 2.43% | -105.16% |
Long-Term Investments | 2.19M | 2.39M | 6.02M | 6.48M | 9.78M | 7.93M | 11.81M | 19.23M | 10.59M | 82.87M |
Accounts Receivables | 2.2M | 353.3K | 106.11M | 372.22M | 664.66M | 1.6B | 753.36M | 3.36B | 3.84B | 4.07B |
Goodwill & Intangibles | 242.3K | 995.65K | 10.5M | 10.49M | 11.38M | 12.69M | 13.73M | 13.67M | 2.49M | 2.49M |
Goodwill | 0 | 0 | 2.42M | 2.42M | 2.49M | 2.49M | 2.49M | 2.49M | 0 | 2.49M |
Intangible Assets | 242.3K | 995.65K | 8.07M | 8.06M | 8.89M | 10.19M | 11.24M | 11.18M | 2.49M | 0 |
PP&E (Net) | 839.26K | 1.33M | 7.19M | 8.91M | 11.76M | 20.27M | 14.26M | 26.24M | 26.04M | 29.47M |
Other Assets | 0 | 1.26M | 3.05M | 4.3M | 4.97M | 4.77M | 5.28M | 5.93B | 59.04M | 10.16M |
Total Current Assets | 28.14M | 102.91M | 769.75M | 2.15B | 3.27B | 3.74B | 3.69B | 6.33B | 8.12B | 8.49B |
Total Non-Current Assets | 7.87M | 12.31M | 39.31M | 40.1M | 50.15M | 58.78M | 56.08M | 6B | 108.56M | 75.13M |
Total Assets | 36M▲ 0% | 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% | 8.23B▲ 28.7% | 8.57B▲ 0% |
Asset Growth % | 47.78% | 220% | 602.22% | 170.97% | 51.5% | 14.33% | -1.35% | 70.61% | 28.71% | 315.28% |
Return on Assets (ROA) | -24.88% | -57.15% | -1.43% | 1.07% | 0.53% | -0.06% | 0.86% | 1.2% | 2.35% | 1.64% |
Accounts Payable | 1.25M | 6.56M | 513.84M | 1.7B | 2.51B | 3.14B | 3.03B | 5.49B | 0 | 7.5B |
Total Debt | 0 | 0 | 5.84M | 7.21M | 154.54M | 168.22M | 172.64M | 179.5M | 173.16M | 174.52M |
Net Debt | -16.46M | -34.41M | -53.57M | -72.45M | -114.51M | -109.44M | -149.96M | -214.08M | -4.02B | -337.42M |
Long-Term Debt | 0 | 0 | 0 | 0 | 148.84M | 154.34M | 156.89M | 159.5M | 51M | 0 |
Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 6.84M | 9.94M | 117.96M | 160.82M |
Other Liabilities | 43.25M | 124.11M | 3.08M | 0 | 0 | 4.64M | 5.89M | 5.5B | 7.18B | 0 |
Total Current Liabilities | 8.05M | 16.99M | 587.59M | 1.95B | 2.72B | 3.18B | 3.09B | 5.56B | 117.96M | 7.8B |
Total Non-Current Liabilities | 43.25M | 124.11M | 9.53M | 5.26M | 154.85M | 169.82M | 171.77M | 5.66B | 7.24B | 9.97M |
Total Liabilities | 51.3M | 141.09M | 597.12M | 1.96B | 2.87B | 3.35B | 3.25B | 5.73B | 7.36B | 7.81B |
Total Equity | -15.3M▲ 0% | -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% | 870.18M▲ 31.4% | 759.43M▲ 0% |
Equity Growth % | -173.45% | -69.18% | 919% | 11.2% | 89.5% | 0.08% | 10.84% | 33.65% | 31.42% | 133.99% |
Equity / Assets (Capital Ratio) | -42.48% | -22.46% | 26.2% | 10.75% | 13.45% | 11.77% | 13.23% | 10.36% | 10.58% | 8.86% |
Return on Equity (ROE) | -271.68% | - | -7.08% | 7.18% | 4.31% | -0.49% | 6.91% | 10.49% | 22.38% | 17.64% |
Book Value per Share | -0.14 | -0.19 | 1.50 | 1.64 | 2.87 | 2.92 | 3.06 | 3.92 | 4.65 | 4.10 |
Tangible BV per Share | -0.14 | -0.20 | 1.43 | 1.56 | 2.80 | 2.84 | 2.98 | 3.84 | 4.64 | 4.08 |
Common Stock | 0 | 5.54K | 21.15K | 21.32K | 22.82K | 23.19K | 23.5K | 26.4K | 26.78K | 26.66K |
Additional Paid-in Capital | 7.65M | 42.52M | 285.77M | 291.83M | 484.34M | 495.71M | 505.45M | 619.03M | 634.21M | 627.5M |
Retained Earnings | -23.18M | -66.39M | -73.7M | -59.58M | -45.79M | -50.37M | -19.6M | 37.84M | 208.41M | 112.27M |
Accumulated OCI | 206.73K | -544.99K | -142.41K | 5.59M | 10.23M | 3.94M | 5.28M | 506.15K | 25.04M | 16.36M |
Treasury Stock | 0 | 0 | 0 | -2.17M | -2.17M | -2.17M | -2.17M | -2.17M | -2.17M | -2.17M |
Preferred Stock | 0 | 4.2K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | -8.51M | -21.17M | 243.31M | 535.28M | 413.2M | 258.06M | -6.57M | 827.98M | 1.32B | 0 |
Operating CF Growth % | 26.01% | -148.77% | 1249.22% | 120% | -22.81% | -37.55% | -102.54% | 12710.08% | 59.02% | -300% |
Net Income | -7.93M | -44.29M | -5.95M | 19.18M | 14.69M | -2.26M | 32.56M | 60.73M | 171.48M | 117.65M |
Depreciation & Amortization | 342.45K | 473.73K | 752.17K | 928.41K | 1.34M | 2.75M | 2.84M | 2.62M | 2.89M | 1.31M |
Deferred Taxes | -1.18M | -1.87M | -6.22M | 1.77M | -662.31K | -1.26M | 0 | 0 | -1.67M | 0 |
Other Non-Cash Items | 902.81K | -757.78K | -1.62M | 3.31M | 421.67K | 2.48M | -363.95M | 2.83B | -5.91M | 783.12M |
Working Capital Changes | -543K | -8.92M | 252.28M | 504.03M | 384.04M | 242.14M | 311.83M | -2.07B | 1.13B | -924.59M |
Cash from Investing | -3.67M | -35.12M | -22.04M | 43.56M | 10.92M | -3.61M | -7.75M | -8.66M | -5.75M | -10.23M |
Purchase of Investments | -2.15M | -30M | -66.2M | -31.45M | -19.91M | -243.29K | 0 | 0 | 0 | 0 |
Sale/Maturity of Investments | 227.47K | 2.2M | 30M | 78.37M | 33.09M | 2.07M | 0 | 0 | 470.75K | 0 |
Net Investment Activity | -1.92M | -27.79M | -36.2M | 46.92M | 13.18M | 1.83M | 0 | 0 | 470.75K | 0 |
Acquisitions | -90.04K | 0 | -6.76M | 0 | 2.66M | 0 | 0 | 0 | 388.33K | 0 |
Other Investing | -1.07M | -3.44M | 22.24M | -2.39M | 45.35K | -552.65K | -4.99M | -7.1M | -1.12M | -10.04M |
Cash from Financing | 14.6M | 79.53M | 114.91M | -8.37M | 330.88M | 4.73M | 1.82M | 103.83M | -2.93M | 0 |
Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Share Repurchases | 0 | 0 | 0 | -2.17M | 0 | 0 | 0 | 0 | -3.03M | 0 |
Stock Issued | 0 | 179.53K | 114.77M | 0 | 175.42M | 366.54K | 140.38K | 103.74M | 100.9K | 0 |
Net Stock Activity | 0 | 179.53K | 114.77M | -2.17M | 175.42M | 366.54K | 140.38K | 103.74M | -2.93M | 0 |
Debt Issuance (Net) | 0 | 0 | -1000K | 0 | 1000K | 0 | 0 | 0 | 0 | 0 |
Other Financing | -140.23K | 2.2M | 440.62K | -6.19M | -154.91M | 4.36M | 1.68M | 84.69K | 3.03M | 0 |
Net Change in Cash | 3.31M▲ 0% | 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% | 1.33B▲ 45.3% | -2.09B▲ 0% |
Exchange Rate Effect | 895.64K | -189.16K | 45.69K | -194.55K | -1.72M | -4.34M | -3.48M | -4.64M | 26.64M | -2.38M |
Cash at Beginning | 14.75M | 18.06M | 41.1M | 377.32M | 947.6M | 1.7B | 1.96B | 1.94B | 2.86B | 0 |
Cash at End | 18.06M | 41.1M | 377.32M | 947.6M | 1.7B | 1.96B | 1.94B | 2.86B | 4.19B | 0 |
Interest Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Income Taxes Paid | 22.43K | 0 | 762.18K | 266.27K | 5.59M | 2.13M | 13.32M | 11.29M | 26.07M | 0 |
Free Cash Flow | -9.1M▲ 0% | -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% | 1.31B▲ 58.7% | 672.66M▲ 0% |
FCF Growth % | 23.84% | -151.28% | 1158.77% | 120.79% | -23.59% | -37.98% | -103.69% | 8957.72% | 58.66% | 213.56% |
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 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | -271.68% | - | -7.08% | 7.18% | 4.31% | -0.49% | 6.91% | 10.49% | 22.38% | 17.64% |
Return on Assets (ROA) | -24.88% | -57.15% | -1.43% | 1.07% | 0.53% | -0.06% | 0.86% | 1.2% | 2.35% | 1.64% |
Net Interest Margin | 0.88% | 0.17% | -0.51% | -0.46% | -0.55% | -0.49% | -1.25% | -0.95% | 2.24% | -0.76% |
Efficiency Ratio | 82.46% | 73.12% | 45.05% | 36.63% | 41.68% | 38.87% | 30.41% | 29.44% | 47.19% | 23.55% |
Equity / Assets | -42.48% | -22.46% | 26.2% | 10.75% | 13.45% | 11.77% | 13.23% | 10.36% | 10.58% | 8.86% |
Book Value / Share | -0.14 | -0.19 | 1.5 | 1.64 | 2.87 | 2.92 | 3.06 | 3.92 | 4.65 | 4.1 |
NII Growth | 248.26% | -39.1% | -2213.75% | -146.31% | -81.93% | -1.58% | -151.53% | -29.49% | 402.82% | -14.71% |
Dividend Payout | - | - | - | - | - | - | - | - | - | 0% |
UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) stock FAQ — growth, dividends, profitability & financials explained
UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) grew revenue by 56.7% 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 2025 (27.9% net margin).
UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) has a return on equity (ROE) of 22.4%. This is excellent, indicating efficient use of shareholder capital.
UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) has a net interest margin (NIM) of 2.2%. NIM has been under pressure due to interest rate environment.
UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) has an efficiency ratio of 47.2%. This is excellent, indicating strong cost control.