UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) Financial Ratios
9 years of historical data (2016–2024) · Financial Services · Financial - Capital Markets
EV/EBITDA
↓
3.13
↓-83% vs avg
5yr avg: 18.08
30Y Low5.9·High34.2
P/FCF
↓
0.82
↓-56% vs avg
5yr avg: 1.85
30Y Low1.3·High2.1
P/B Ratio
↓
1.77
↓-18% vs avg
5yr avg: 2.17
30Y Low1.2·High4.9
ROE
↑
10.5%
↓+85% vs avg
5yr avg: 5.7%
30Y Low-272%·High10%
Debt/EBITDA
↑
1.21
↓-65% vs avg
5yr avg: 3.44
30Y Low0.2·High8.1
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
TIGR Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
UP Fintech Holding Ltd. Sponsored ADR Class A trades at 19.3x earnings, 53% below its 5-year average of 40.8x, sitting at the 25th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.4x, the stock trades at a premium of 44%. On a free-cash-flow basis, the stock trades at 0.8x P/FCF, 56% below the 5-year average of 1.8x.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $676M | $1.1B | $715M | $522M | $765M | $1.1B | $501M | — | — | — |
| Enterprise Value | $462M | $877M | $565M | $412M | $650M | $1.1B | $447M | — | — | — |
| P/E Ratio → | 19.25 | 17.94 | 21.05 | — | 52.07 | 72.18 | — | — | — | — |
| P/S Ratio | 1.73 | 2.79 | 2.62 | 2.32 | 2.89 | 8.26 | 8.53 | — | — | — |
| P/B Ratio | 1.77 | 1.65 | 1.44 | 1.17 | 1.71 | 4.86 | 2.36 | — | — | — |
| P/FCF | 0.82 | 1.32 | — | 2.06 | 1.87 | 2.14 | 2.07 | — | — | — |
| P/OCF | 0.82 | 1.32 | — | 2.02 | 1.85 | 2.14 | 2.06 | — | — | — |
P/E links to full P/E history page with 30-year chart
TIGR EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
UP Fintech Holding Ltd. Sponsored ADR Class A's enterprise value stands at 3.1x EBITDA, 83% below its 5-year average of 18.1x. The Financial Services sector median is 11.4x, placing the stock at a 73% discount on an enterprise-value basis.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.24 | 2.07 | 1.83 | 2.46 | 7.74 | 7.62 | — | — | — |
| EV / EBITDA | 3.13 | 5.93 | 6.34 | 14.02 | 34.22 | 29.89 | — | — | — | — |
| EV / EBIT | 3.32 | 6.15 | 6.08 | 19.92 | 36.81 | 33.37 | — | — | — | — |
| EV / FCF | — | 1.06 | — | 1.63 | 1.59 | 2.01 | 1.85 | — | — | — |
TIGR Profitability
Margins and return-on-capital ratios measuring operating efficiency
UP Fintech Holding Ltd. Sponsored ADR Class A earns an operating margin of 35.6%, above the Financial Services sector average of 21.2%. Operating margins have expanded from 9.1% to 35.6% over the past 3 years, signaling improving operational efficiency. ROE of 10.5% is modest. ROIC of 13.8% represents solid returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 65.0% | 65.0% | 59.7% | 47.9% | 48.3% | 59.1% | 34.7% | -66.6% | 29.3% | -54.2% |
| Operating Margin | 35.6% | 35.6% | 29.3% | 9.1% | 6.7% | 22.5% | -10.4% | -139.7% | -53.2% | -247.2% |
| Net Profit Margin | 15.5% | 15.5% | 11.9% | -1.0% | 5.6% | 11.6% | -11.2% | -128.7% | -44.3% | -196.5% |
Return on Capital
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 10.5% | 10.5% | 6.9% | -0.5% | 4.3% | 7.2% | -7.1% | — | -271.7% | -51.7% |
| ROA | 1.2% | 1.2% | 0.9% | -0.1% | 0.5% | 1.1% | -1.4% | -57.1% | -24.9% | -44.2% |
| ROIC | 13.8% | 13.8% | 9.3% | 2.5% | 3.1% | 10.1% | -4.7% | — | -244.6% | -48.8% |
| ROCE | 18.7% | 18.7% | 12.5% | 3.3% | 4.2% | 13.5% | -3.8% | -74.3% | -36.7% | -63.9% |
TIGR Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
UP Fintech Holding Ltd. Sponsored ADR Class A carries a Debt/EBITDA ratio of 1.2x, which is manageable (71% below the sector average of 4.1x). The company holds a net cash position — cash of $394M exceeds total debt of $180M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of just 2.3x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.27 | 0.27 | 0.35 | 0.38 | 0.35 | 0.03 | 0.03 | — | — | — |
| Debt / EBITDA | 1.21 | 1.21 | 1.94 | 5.72 | 8.13 | 0.20 | — | — | — | — |
| Net Debt / Equity | — | -0.32 | -0.30 | -0.24 | -0.26 | -0.31 | -0.25 | — | — | -0.71 |
| Net Debt / EBITDA | -1.45 | -1.45 | -1.68 | -3.72 | -6.03 | -2.02 | — | — | — | — |
| Debt / FCF | — | -0.26 | — | -0.43 | -0.28 | -0.14 | -0.22 | — | — | — |
| Interest Coverage | 2.29 | 2.29 | 1.70 | 1.09 | 0.96 | 3.08 | -1.48 | — | — | — |
Net cash position: cash ($394M) exceeds total debt ($180M)
TIGR Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
A current ratio of 1.14x means UP Fintech Holding Ltd. Sponsored ADR Class A can comfortably meet its short-term obligations, though there is limited excess liquidity.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 1.14 | 1.14 | 1.20 | 1.18 | 1.20 | 1.10 | 1.31 | 6.06 | 3.50 | 4.65 |
| Quick Ratio | 1.14 | 1.14 | 1.20 | 1.18 | 1.20 | 1.10 | 1.31 | 6.06 | 3.50 | 4.65 |
| Cash Ratio | 0.07 | 0.07 | 0.10 | 0.09 | 0.10 | 0.04 | 0.10 | 2.03 | 2.04 | 4.65 |
| Asset Turnover | — | 0.06 | 0.07 | 0.06 | 0.08 | 0.06 | 0.07 | 0.29 | 0.47 | 0.22 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — |
TIGR Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
UP Fintech Holding Ltd. Sponsored ADR Class A does not currently pay a dividend and has no material buyback yield, reinvesting earnings back into the business. The earnings yield of 5.2% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 5.2% | 5.6% | 4.8% | — | 1.9% | 1.4% | — | — | — | — |
| FCF Yield | 100.0% | 75.7% | — | 48.5% | 53.4% | 46.7% | 48.3% | — | — | — |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.2% | 0.0% | — | — | — |
| Total Shareholder Yield | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.2% | 0.0% | — | — | — |
| Shares Outstanding | — | $169M | $162M | $153M | $156M | $144M | $141M | $133M | $108M | $108M |
Peer Comparison
Compare TIGR with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 TIGRYou | $676M | 19.3 | 3.1 | 0.8 | 65.0% | 35.6% | 10.5% | 13.8% | 1.2 |
 FUTU | $60B | 33.9 | 68.4 | 15.2 | 82.0% | 48.7% | 20.7% | 14.8% | 1.3 |
 IBKR | $39B | 39.2 | 3.8 | 2.5 | 89.8% | 86.0% | 5.3% | 24.7% | 0.0 |
 HOOD | $71B | 38.6 | 37.8 | 43.9 | 83.3% | 46.8% | 22.0% | 7.9% | 7.1 |
 MKTX | $6B | 20.4 | 12.0 | 14.7 | 68.9% | 41.7% | 20.4% | 18.0% | 0.2 |
 SCHW | $164B | 30.8 | 18.3 | 79.9 | 75.4% | 29.6% | 13.3% | 6.0% | 4.9 |
 AMTD | $7M | 0.2 | 6.9 | 1.4 | 45.2% | 48.2% | 3.4% | 1.2% | 8.6 |
 LPL | $5B | 29.2 | 3.6 | 6.6 | 13.1% | 2.0% | 2.8% | 2.0% | 2.5 |
 LPLA | $26B | 29.8 | 11.1 | — | 25.6% | 13.4% | 20.9% | 16.1% | 2.5 |
 NDAQ | $51B | 28.9 | 20.2 | 25.5 | 47.9% | 28.4% | 15.3% | 8.1% | 3.3 |
 ICE | $87B | 26.6 | 16.5 | 20.3 | 61.9% | 38.7% | 11.7% | 7.5% | 3.1 |
| Financial Services Median | — | 13.4 | 11.4 | 10.6 | 63.4% | 21.2% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Quick answers to the most common questions about buying TIGR stock.
What is UP Fintech Holding Ltd. Sponsored ADR Class A's P/E ratio?
UP Fintech Holding Ltd. Sponsored ADR Class A's current P/E ratio is 19.3x. The historical average is 40.8x. This places it at the 25th percentile of its historical range.
What is UP Fintech Holding Ltd. Sponsored ADR Class A's EV/EBITDA?
UP Fintech Holding Ltd. Sponsored ADR Class A's current EV/EBITDA is 3.1x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 18.1x.
What is UP Fintech Holding Ltd. Sponsored ADR Class A's ROE?
UP Fintech Holding Ltd. Sponsored ADR Class A's return on equity (ROE) is 10.5%. The historical average is -37.8%.
Is TIGR stock overvalued?
Based on historical data, UP Fintech Holding Ltd. Sponsored ADR Class A is trading at a P/E of 19.3x. This is at the 25th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What are UP Fintech Holding Ltd. Sponsored ADR Class A's profit margins?
UP Fintech Holding Ltd. Sponsored ADR Class A has 65.0% gross margin and 35.6% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does UP Fintech Holding Ltd. Sponsored ADR Class A have?
UP Fintech Holding Ltd. Sponsored ADR Class A's Debt/EBITDA ratio is 1.2x, indicating moderate leverage. A ratio below 2x is generally considered financially healthy.