(TIGR) Up Fintech Holding - Overview
Stock: Brokerage, Asset Management, IPO Services, Margin, Education
EPS (Earnings per Share)
Revenue
| Risk 5d forecast | |
|---|---|
| Volatility | 68.4% |
| Relative Tail Risk | -12.6% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.45 |
| Alpha | -3.00 |
| Character TTM | |
|---|---|
| Beta | 1.216 |
| Beta Downside | 1.604 |
| Drawdowns 3y | |
|---|---|
| Max DD | 55.61% |
| CAGR/Max DD | 0.52 |
Description: TIGR Up Fintech Holding January 15, 2026
UP Fintech Holding Ltd (NASDAQ:TIGR) is a Singapore-based online brokerage that targets Chinese investors across New Zealand, the Cayman Islands, Singapore, the United States and other international markets. Founded in 2014, the firm operates the Tiger Trade platform, delivering stock, options, warrant and futures trading via mobile app and web.
The company supplements its core brokerage with margin financing, securities lending, asset- and wealth-management services, ESOP administration, fund licensing, product design, custody, IPO underwriting, and a suite of investor-education and community-engagement tools, including simulated-trading environments.
As of Q1 2024, TIGR reported $12.3 million in revenue-a 45 % year-over-year increase-and a narrowing net loss of $4.1 million, driven by a 30 % rise in monthly active users to 1.2 million and an average revenue per user of roughly $10. The business benefits from two macro trends: (1) sustained Chinese outbound capital seeking diversified offshore exposure, and (2) accelerating fintech adoption in jurisdictions with relatively open brokerage regulations such as New Zealand and Singapore.
For a deeper, data-driven view of TIGR’s valuation dynamics, you may find ValueRay’s analyst dashboard worth a quick look.
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income: 153.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.07 > 0.02 and ΔFCF/TA 3.94 > 1.0 |
| NWC/Revenue: 137.3% < 20% (prev 191.0%; Δ -53.68% < -1%) |
| CFO/TA 0.07 > 3% & CFO 672.9m > Net Income 153.7m |
| Net Debt (-405.2m) to EBITDA (215.3m): -1.88 < 3 |
| Current Ratio: 1.09 > 1.5 & < 3 |
| Outstanding Shares: last quarter (188.0m) vs 12m ago 14.28% < -2% |
| Gross Margin: 67.76% > 18% (prev 0.79%; Δ 6697 % > 0.5%) |
| Asset Turnover: 6.94% > 50% (prev 5.29%; Δ 1.65% > 0%) |
| Interest Coverage Ratio: 2.92 > 6 (EBITDA TTM 215.3m / Interest Expense TTM 71.1m) |
Altman Z'' 0.79
| A: 0.08 (Total Current Assets 9.22b - Total Current Liabilities 8.48b) / Total Assets 9.30b |
| B: 0.02 (Retained Earnings 166.2m / Total Assets 9.30b) |
| C: 0.03 (EBIT TTM 207.6m / Avg Total Assets 7.84b) |
| D: 0.02 (Book Value of Equity 181.5m / Total Liabilities 8.48b) |
| Altman-Z'' Score: 0.79 = B |
Beneish M -2.78
| DSRI: 0.76 (Receivables 3.97b/3.25b, Revenue 543.9m/337.4m) |
| GMI: 1.17 (GM 67.76% / 79.17%) |
| AQI: 0.85 (AQ_t 0.01 / AQ_t-1 0.01) |
| SGI: 1.61 (Revenue 543.9m / 337.4m) |
| TATA: -0.06 (NI 153.7m - CFO 672.9m) / TA 9.30b) |
| Beneish M-Score: -2.78 (Cap -4..+1) = A |
What is the price of TIGR shares?
Over the past week, the price has changed by -4.68%, over one month by -22.03%, over three months by -21.35% and over the past year by +12.28%.
Is TIGR a buy, sell or hold?
- StrongBuy: 4
- Buy: 1
- Hold: 1
- Sell: 1
- StrongSell: 0
What are the forecasts/targets for the TIGR price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 14.6 | 79% |
| Analysts Target Price | 14.6 | 79% |
| ValueRay Target Price | 8.2 | 1.2% |
TIGR Fundamental Data Overview February 04, 2026
P/E Forward = 21.5983
P/S = 3.0556
P/B = 1.9325
Revenue TTM = 543.9m USD
EBIT TTM = 207.6m USD
EBITDA TTM = 215.3m USD
Long Term Debt = 159.5m USD (from longTermDebt, last fiscal year)
Short Term Debt = 167.6m USD (from shortTermDebt, last quarter)
Debt = 173.5m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -405.2m USD (from netDebt column, last quarter)
Enterprise Value = 982.3m USD (1.50b + Debt 173.5m - CCE 687.0m)
Interest Coverage Ratio = 2.92 (Ebit TTM 207.6m / Interest Expense TTM 71.1m)
EV/FCF = 1.46x (Enterprise Value 982.3m / FCF TTM 672.7m)
FCF Yield = 68.48% (FCF TTM 672.7m / Enterprise Value 982.3m)
FCF Margin = 123.7% (FCF TTM 672.7m / Revenue TTM 543.9m)
Net Margin = 28.26% (Net Income TTM 153.7m / Revenue TTM 543.9m)
Gross Margin = 67.76% ((Revenue TTM 543.9m - Cost of Revenue TTM 175.3m) / Revenue TTM)
Gross Margin QoQ = 70.49% (prev 70.28%)
Tobins Q-Ratio = 0.11 (Enterprise Value 982.3m / Total Assets 9.30b)
Interest Expense / Debt = 12.65% (Interest Expense 21.9m / Debt 173.5m)
Taxrate = 17.12% (11.1m / 65.1m)
NOPAT = 172.1m (EBIT 207.6m * (1 - 17.12%))
Current Ratio = 1.09 (Total Current Assets 9.22b / Total Current Liabilities 8.48b)
Debt / Equity = 0.21 (Debt 173.5m / totalStockholderEquity, last quarter 809.9m)
Debt / EBITDA = -1.88 (Net Debt -405.2m / EBITDA 215.3m)
Debt / FCF = -0.60 (Net Debt -405.2m / FCF TTM 672.7m)
Total Stockholder Equity = 729.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.96% (Net Income 153.7m / Total Assets 9.30b)
RoE = 21.08% (Net Income TTM 153.7m / Total Stockholder Equity 729.1m)
RoCE = 23.37% (EBIT 207.6m / Capital Employed (Equity 729.1m + L.T.Debt 159.5m))
RoIC = 19.34% (NOPAT 172.1m / Invested Capital 889.6m)
WACC = 10.41% (E(1.50b)/V(1.67b) * Re(10.40%) + D(173.5m)/V(1.67b) * Rd(12.65%) * (1-Tc(0.17)))
Discount Rate = 10.40% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 9.86%
[DCF Debug] Terminal Value 60.21% ; FCFF base≈487.6m ; Y1≈320.1m ; Y5≈146.0m
Fair Price DCF = 14.19 (EV 2.03b - Net Debt -405.2m = Equity 2.43b / Shares 171.4m; r=10.41% [WACC]; 5y FCF grow -40.0% → 2.90% )
EPS Correlation: 86.32 | EPS CAGR: 186.5% | SUE: 1.28 | # QB: 3
Revenue Correlation: 97.13 | Revenue CAGR: 40.99% | SUE: 2.14 | # QB: 2
EPS next Quarter (2026-03-31): EPS=0.25 | Chg30d=+0.057 | Revisions Net=+0 | Analysts=1
EPS next Year (2026-12-31): EPS=1.00 | Chg30d=+0.031 | Revisions Net=+1 | Growth EPS=-0.7% | Growth Revenue=+5.6%