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UP Fintech Holding Limited (TIGR) 10-Year Financial Performance & Capital Metrics

TIGR • • Banking & Credit
Financial ServicesCapital MarketsDigital Asset Trading & BrokerageMulti-Asset Trading 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 Equity 10.49% +51.8%
  • Net Interest Margin -0.95% +24.1%
  • Efficiency Ratio 29.44% -3.2%
  • ROA 1.2% +38.8%
  • Equity / Assets 10.36% -21.7%
  • Book Value per Share 3.92 +28.0%
  • Tangible BV/Share 3.84 +28.9%
  • Debt/Equity 0.27 -22.2%
Technical Analysis

Key Insights

Based on financial 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%
  • ✗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.

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-
5Y46.18%
3Y13.97%
TTM-

Profit (Net Income) CAGR

10Y-
5Y-
3Y60.49%
TTM346.76%

EPS CAGR

10Y-
5Y-
3Y56.29%
TTM315.12%

ROCE

10Y Avg-14.06%
5Y Avg10.44%
3Y Avg11.51%
Latest18.69%

Peer Comparison

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Sector-Specific
NameMarket CapCurrent PriceP/E RatioRevenue Growth 1YNet MarginROEFCF YieldDebt/Equity
HOODRobinhood Markets, Inc.86.77B110.3570.7458.23%47.81%25.61%0.94
TIGRUP Fintech Holding Limited1.59B9.2525.6943.68%15.51%15.49%52.14%0.27
FUTUFutu Holdings Limited16.73B176.504.5435.79%40.05%23.78%100%0.31
ETOReToro Group Ltd.1.48B31.273.57225.73%1.52%14.96%18.03%0.06
TOPTOP Financial Group Limited27.34M1.01-6.31-58.58%-179.3%5.41%0.01

Profit & Loss

Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024
Net Interest Income+91.49K318.63K194.04K-4.1M-10.1M-18.38M-18.67M-46.96M-60.8M
NII Growth %-2.48%-0.39%-22.14%-1.46%-0.82%-0.02%-1.52%-0.29%
Net Interest Margin %---------
Interest Income91.49K318.63K194.04K000000
Interest Expense0004.1M10.1M18.38M18.67M46.96M60.8M
Loan Loss Provision8.44M11.99M55.91M34.21M46.53M118.3M98.69M62.88M76.21M
Non-Interest Income+5.38M16.63M33.37M58.66M138.5M264.49M225.37M272.51M391.54M
Non-Interest Income %---------
Total Revenue+5.48M16.95M33.56M58.66M138.5M264.49M225.37M272.51M391.54M
Revenue Growth %-2.1%0.98%0.75%1.36%0.91%-0.15%0.21%0.44%
Non-Interest Expense10.57M13.98M24.54M26.43M50.73M110.23M87.61M82.87M115.26M
Efficiency Ratio---------
Operating Income+-13.54M-9.02M-46.89M-6.07M31.14M17.66M20.4M79.8M139.27M
Operating Margin %---------
Operating Income Growth %-0.33%-4.2%0.87%6.13%-0.43%0.16%2.91%0.75%
Pretax Income+-13.37M-9.11M-46.17M-9.31M22.03M19.05M2.03M45.99M81.76M
Pretax Margin %---------
Income Tax+-2.56M-1.18M-1.87M-3.36M2.85M4.36M4.29M12.99M20.41M
Effective Tax Rate %---------
Net Income+-10.76M-7.51M-43.21M-6.59M16.06M14.69M-2.19M32.56M60.73M
Net Margin %---------
Net Income Growth %-0.3%-4.75%0.85%3.44%-0.09%-1.15%15.89%0.86%
Net Income (Continuing)-10.81M-7.93M-44.29M-5.95M19.18M14.69M-2.26M33.01M61.35M
EPS (Diluted)+-0.10-0.07-0.32-0.040.110.09-0.010.210.36
EPS Growth %-0.3%-3.59%0.87%3.61%-0.14%-1.15%15.69%0.71%
EPS (Basic)-0.10-0.07-0.32-0.040.110.10-0.010.210.38
Diluted Shares Outstanding107.74M107.74M133.03M140.99M144.15M155.71M153.01M161.82M168.94M

Balance Sheet

Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024
Cash & Short Term Investments+1000K1000K1000K1000K1000K1000K1000K1000K1000K
Cash & Due from Banks14.75M16.46M34.41M59.41M79.65M269.06M277.66M322.6M393.58M
Short Term Investments001000K1000K1000K1000K1000K1000K1000K
Total Investments+02.19M38.82M86.5M25.74M16.73M171.41M440.87M95.86M
Investments Growth %--16.75%1.23%-0.7%-0.35%9.25%1.57%-0.78%
Long-Term Investments02.19M2.39M6.02M6.48M9.78M7.93M11.81M19.23M
Accounts Receivables01000K353.3K1000K1000K1000K1000K1000K1000K
Goodwill & Intangibles+---------
Goodwill0002.42M2.42M2.49M2.49M2.49M2.49M
Intangible Assets240.69K242.3K995.65K8.07M8.06M8.89M10.19M11.24M11.18M
PP&E (Net)576.79K839.26K1.33M7.19M8.91M11.76M20.27M14.26M26.24M
Other Assets8.8M01.26M3.05M4.3M4.97M4.77M5.28M5.93B
Total Current Assets14.75M28.14M102.91M769.75M2.15B3.27B3.74B3.69B6.33B
Total Non-Current Assets9.61M7.87M12.31M39.31M40.1M50.15M58.78M56.08M6B
Total Assets+24.36M36M115.22M809.06M2.19B3.32B3.8B3.75B6.39B
Asset Growth %-0.48%2.2%6.02%1.71%0.52%0.14%-0.01%0.71%
Return on Assets (ROA)-0.44%-0.25%-0.57%-0.01%0.01%0.01%-0%0.01%0.01%
Accounts Payable01.25M6.56M513.84M1.7B2.51B3.14B3.03B5.49B
Total Debt+0005.84M7.21M154.54M168.22M172.64M179.5M
Net Debt-14.75M-16.46M-34.41M-53.57M-72.45M-114.51M-109.44M-149.96M-214.08M
Long-Term Debt00000148.84M154.34M156.89M159.5M
Short-Term Debt00000006.84M9.94M
Other Liabilities043.25M124.11M3.08M004.64M5.89M5.5B
Total Current Liabilities3.17M8.05M16.99M587.59M1.95B2.72B3.18B3.09B5.56B
Total Non-Current Liabilities043.25M124.11M9.53M5.26M154.85M169.82M171.77M5.66B
Total Liabilities3.17M51.3M141.09M597.12M1.96B2.87B3.35B3.25B5.73B
Total Equity+20.82M-15.3M-25.88M211.94M235.69M446.63M446.99M495.42M662.12M
Equity Growth %--1.73%-0.69%9.19%0.11%0.89%0%0.11%0.34%
Equity / Assets (Capital Ratio)---------
Return on Equity (ROE)-0.52%-2.72%--0.07%0.07%0.04%-0%0.07%0.1%
Book Value per Share0.19-0.14-0.191.501.642.872.923.063.92
Tangible BV per Share---------
Common Stock357.34K05.54K21.15K21.32K22.82K23.19K23.5K26.4K
Additional Paid-in Capital6.94M7.65M42.52M285.77M291.83M484.34M495.71M505.45M619.03M
Retained Earnings-15.67M-23.18M-66.39M-73.7M-59.58M-45.79M-50.37M-19.6M37.84M
Accumulated OCI29.09M206.73K-544.99K-142.41K5.59M10.23M3.94M5.28M506.15K
Treasury Stock0000-2.17M-2.17M-2.17M-2.17M-2.17M
Preferred Stock004.2K000000

Cash Flow

Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024
Cash from Operations+-11.5M-8.51M-21.17M243.31M535.28M413.2M258.06M-6.57M827.98M
Operating CF Growth %-0.26%-1.49%12.49%1.2%-0.23%-0.38%-1.03%127.1%
Net Income-10.81M-7.93M-44.29M-5.95M19.18M14.69M-2.26M32.56M60.73M
Depreciation & Amortization195.76K342.45K473.73K752.17K928.41K1.34M2.75M2.84M2.62M
Deferred Taxes-2.62M-1.18M-1.87M-6.22M1.77M-662.31K-1.26M00
Other Non-Cash Items-139.83K902.81K-757.78K-1.62M3.31M421.67K2.48M-363.95M2.83B
Working Capital Changes1.58M-543K-8.92M252.28M504.03M384.04M242.14M311.83M-2.07B
Cash from Investing+302.25K-3.67M-35.12M-22.04M43.56M10.92M-3.61M-7.75M-8.66M
Purchase of Investments-35K-2.15M-30M-66.2M-31.45M-19.91M-243.29K00
Sale/Maturity of Investments144.03K227.47K1000K1000K1000K1000K1000K00
Net Investment Activity---------
Acquisitions-243.69K-90.04K0-6.76M02.66M000
Other Investing1.02M-1.07M-3.44M22.24M-2.39M45.35K-552.65K-4.99M-7.1M
Cash from Financing+18.09M14.6M79.53M114.91M-8.37M330.88M4.73M1.82M103.83M
Dividends Paid000000000
Share Repurchases0000-2.17M0000
Stock Issued00179.53K114.77M0175.42M366.54K140.38K103.74M
Net Stock Activity---------
Debt Issuance (Net)000-1000K01000K000
Other Financing144.03K-140.23K2.2M440.62K-6.19M-154.91M4.36M1.68M84.69K
Net Change in Cash+6.24M3.31M23.04M336.22M570.28M753.29M254.84M-15.97M918.51M
Exchange Rate Effect-650.97K895.64K-189.16K45.69K-194.55K-1000K-1000K-1000K-1000K
Cash at Beginning8.51M14.75M18.06M41.1M377.32M947.6M1.7B1.96B1.94B
Cash at End14.75M18.06M41.1M377.32M947.6M1.7B1.96B1.94B2.86B
Interest Paid000000000
Income Taxes Paid022.43K0762.18K266.27K5.59M2.13M13.32M11.29M
Free Cash Flow+-11.94M-9.1M-22.86M241.99M534.3M408.24M253.17M-9.33M826.42M
FCF Growth %-0.24%-1.51%11.59%1.21%-0.24%-0.38%-1.04%89.58%

Banking Ratios

Metric201620172018201920202021202220232024
Return on Equity (ROE)-51.66%-271.68%--7.08%7.18%4.31%-0.49%6.91%10.49%
Return on Assets (ROA)-44.16%-24.88%-57.15%-1.43%1.07%0.53%-0.06%0.86%1.2%
Net Interest Margin0.38%0.88%0.17%-0.51%-0.46%-0.55%-0.49%-1.25%-0.95%
Efficiency Ratio193.04%82.46%73.12%45.05%36.63%41.68%38.87%30.41%29.44%
Equity / Assets85.48%-42.48%-22.46%26.2%10.75%13.45%11.77%13.23%10.36%
Book Value / Share0.19-0.14-0.191.51.642.872.923.063.92
NII Growth-248.26%-39.1%-2213.75%-146.31%-81.93%-1.58%-151.53%-29.49%

Revenue by Segment

201920202021202220232024
Interests Income16.51M31.75M31.78M4.8M149.29M191.75M
Interests Income Growth-92.39%0.07%-84.91%3013.40%28.44%
Commissions26.7M35.56M30.45M4M92.59M159.05M
Commissions Growth-33.19%-14.38%-86.86%2213.78%71.77%
Product and Service, Other---1.81M18.44M29.43M
Product and Service, Other Growth----921.77%59.56%
Financing Service7.93M6.58M9.27M1.33M12.18M11.31M
Financing Service Growth--17.03%40.94%-85.66%816.05%-7.12%
Product And Service Other7.53M22.54M15.56M---
Product And Service Other Growth-199.18%-30.97%---

Revenue by Geography

201920202021202220232024
NEW ZEALAND----117.34M147.2M
NEW ZEALAND Growth-----25.45%
UNITED STATES----71.92M124.71M
UNITED STATES Growth-----73.41%
SINGAPORE----66.71M91.22M
SINGAPORE Growth-----36.75%
Other Geographic Areas----12.93M25.33M
Other Geographic Areas Growth-----95.98%
CAYMAN ISLANDS----3.62M3.08M
CAYMAN ISLANDS Growth------14.93%

Frequently Asked Questions

Valuation & Price

UP Fintech Holding Limited (TIGR) has a price-to-earnings (P/E) ratio of 25.7x. This suggests investors expect higher future growth.

Growth & Financials

UP Fintech Holding Limited (TIGR) grew revenue by 43.7% over the past year. This is strong growth.

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

Dividend & Returns

UP Fintech Holding Limited (TIGR) has a return on equity (ROE) of 10.5%. This is reasonable for most industries.

Industry Metrics

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

UP Fintech Holding Limited (TIGR) has an efficiency ratio of 29.4%. This is excellent, indicating strong cost control.

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