UP Fintech Holding Ltd. Sponsored ADR Class A(TIGR)Earnings, Financials & Key Ratios
TIGR•NASDAQ
$4.52
4.9× P/E·Price updated Jul 7, 2026
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
- EBITDA$293M+98.2%
- Net Income$171M+182.3%
- EPS (Diluted)0.92+155.6%
- Gross Margin93.22%+43.4%
- EBITDA Margin47.74%+26.5%
- Operating Margin46.03%+29.4%
- Net Margin27.94%+80.1%
- ROE22.38%+113.3%
TIGR Price & Volume
UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) stock price & volume — 10-year historical chart
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Geographic Pivot Drives Scalable Margin Expansion
Investment Thesis • Updated 2025Q2
VerdictNeutral
Growth:Accelerating
Profitability:Strong
Financial:Healthy
Cash Flow:Mixed
Primary Risk:Regulatory and geopolitical volatility
Key Thesis Takeaways
- UP Fintech has successfully transitioned its revenue base away from mainland China, evidenced by top-line growth from $66.3M in 2023Q1 to $138.7M in 2025Q2.
- While the firm demonstrates impressive operating leverage with margins expanding to 48.9%, investors should remain cautious regarding the extreme volatility in cash flow cycles driven by client-related working capital movements.
- The company's disciplined debt-to-equity ratio of 0.23 provides a stable foundation, yet the reliance on regulatory-sensitive international markets warrants ongoing monitoring of geopolitical risk factors.
Verdict Logic
while the stock trades at a low 5.10 P/E TTM, the extreme volatility in operating cash flow and regulatory exposure suggest that the current valuation may reflect significant, unpriced geopolitical risks.
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 Years34.68%
3 Years39.64%
TTM-
Profit CAGR
10 Years-
5 Years60.57%
3 Years-
TTM346.76%
EPS CAGR
10 Years-
5 Years52.93%
3 Years-
TTM315.12%
Return on Capital
10 Years-12.02%
5 Years9.01%
3 Years12.5%
Last Year6.32%
TIGR Recent Earnings
UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 6/12 qtrs (55%)●Beat Revenue 9/12 qtrs (82%)
Q3 2026Latest
Jun 2, 2026Metric
Actual
Est
EPS
$0.13-156.0%
$0.23
Rev
$155M+1.8%
$152M
Q2 2026
Mar 19, 2026Metric
Actual
Est
EPS
$0.26+21.0%
$0.21
Rev
$176M+19.1%
$147M
Q4 2025
Dec 4, 2025Metric
Actual
Est
EPS
$0.31+39.7%
$0.22
Rev
$175M+31.9%
$133M
Q3 2025
Aug 27, 2025Metric
Actual
Est
EPS
$0.24+140.0%
$0.10
Rev
$139M+17.4%
$118M
| 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% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $4.52 | $838.08M | 4.91 | 56.74% | 27.94% | 22.38% | — | |
| $94.03 | $13.12B | 9.21 | 67.83% | 44.27% | 26.38% | — | |
| $94.57 | $41.93B | 42.60 | 9.83% | 9.77% | 5.21% | — | |
| $112.90 | $101.7B | 55.07 | 51.58% | 41.12% | 21.38% | — | |
| $118.60 | $4.21B | 17.81 | 3.82% | 35.34% | 24.02% | — | |
| $101.93 | $177.27B | 21.87 | 6.45% | 33.26% | 19.08% | — |
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.
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TIGR Frequently Asked Questions
UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
What is UP Fintech Holding Ltd. Sponsored ADR Class A's revenue?
UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) reported $486.5M in revenue for fiscal year 2025.
How fast is UP Fintech Holding Ltd. Sponsored ADR Class A growing?
UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) grew revenue by 56.7% over the past year. This is strong growth.
Is TIGR profitable?
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).
Dividend & Returns
What is TIGR's return on equity?
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.
What is UP Fintech Holding Ltd. Sponsored ADR Class A's free cash flow?
UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) generated $672.7M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.