UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR)
Valuation Overview•Is UP Fintech Holding Ltd. Sponsored ADR Class A Overvalued or Undervalued?
Trading at a relative discount to industry peers, suggesting a specific risk premium is applied.
High-quality fundamentals with a strong composite quality score of 91/100, backed by robust profitability and solvency.
Analysts remain bullish, forecasting further upside expansion with consensus targets suggesting solid gains.
Verdict: Elite compounder with fortress-level fundamentals across every core pillar.
Wall Street is highly bullish, projecting significant upside. However, capital return yields remain modest, driven predominantly by aggressive share repurchases.
TIGR exhibits elite business quality, driven by exceptional capital efficiency and highly lucrative margins (highlighted by a massive 22.5% ROIC). This is backed by a fortress balance sheet, holding significant net cash ($4.0B) and minimal debt risk.
The company maintains stable top-line performance paired with stable bottom-line earnings. This growth is supported by elite operational efficiency, sustaining an impressive 44.4% operating margin.
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $138.7M | +56.7% | — | — | — | |
| EBITDA | $70.5M | — | +115.2% | — | — | |
| Net Income | $41.4M | +182.3% | — | — | — | |
| EPS (Diluted) | $0.22 | +155.6% | — | +52.9% | — | |
| Free Cash Flow | $0.00 | +58.7% | +73.0% | +19.7% | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | 67.9% | 72.6% | 62.8% | 31.6% |
| Operating Margin | 44.4% | 37.0% | 25.3% | -30.1% |
| Net Margin | 24.2% | 18.5% | 12.0% | -30.9% |
| FCF Margin | 138.3% | 140.4% | 137.6% | 114.6% |
| Quarter | EPS Est. | EPS Act. | Surprise | EPS | Rev |
|---|---|---|---|---|---|
| Q2'26Latest | $0.23 | $-0.13 | -156.0% | ||
| Q1'26 | $0.21 | $0.26 | +21.0% | ||
| Q4'25 | $0.22 | $0.31 | +39.7% | ||
| Q3'25 | $0.10 | $0.24 | +140.0% | ||
| Q2'25 | $0.11 | $0.19 | +72.7% | ||
| Q1'25 | $0.06 | $0.17 | +183.3% | ||
| Q4'24 | $0.13 | $0.12 | -7.7% | ||
| Q4'24 | — | $0.02 | — |
Total return is -43.6% (1Y), lagging the benchmark by -68.6%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | -54.9% | -64.2% | — |
| 1Y | -43.6% | -68.6% | — |
| 3YCAGR | +17.4% | -2.1% | — |
| 5YCAGR | -28.4% | -40.8% | — |
| 10YCAGR | -8.1% | -21.7% | — |
The S&P 500 is at 31.3x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) valuation, health, and returns.
Based on peer relative multiples, UP Fintech Holding Ltd. Sponsored ADR Class A appears Cheap versus peers compared to industry peers.
UP Fintech Holding Ltd. Sponsored ADR Class A has multiple valuation anchors: Peer Relative Fair Value: $15.03 | Wall Street Analyst Target: $8.21 (implying +74.3% upside). A convergence of these signals offers higher conviction.
UP Fintech Holding Ltd. Sponsored ADR Class A displays excellent financial health with a composite quality score of 91/100, supported by a Piotroski F-Score of 8/9, Return on Invested Capital (ROIC) of 22.5%.
UP Fintech Holding Ltd. Sponsored ADR Class A does not return material capital to shareholders via dividends or share repurchases, electing to retain earnings to fund internal growth.
UP Fintech Holding Ltd. Sponsored ADR Class A's current growth trajectory is Stable. The company achieved +56.7% 1Y revenue growth and +155.6% 1Y EPS growth, compared to its 3Y revenue CAGR of N/A.
Wall Street consensus is Sell based on 4 analysts, beating EPS expectations in 58% of recent quarters with a -1-quarter streak. The consensus price target represents a +74.3% change from current levels.
Investment risks for UP Fintech Holding Ltd. Sponsored ADR Class A include: -66.4% 1-year max drawdown, high beta (2.08x market volatility). Volatility risk is characterized by a beta of 2.08x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.