TIGR
UP Fintech Holding Ltd
Next earnings Aug 25, 2026 · consensus $0.27 EPS, $162M rev
$4.58
▲ +1.33%$4.58▼ -52.54%
over 1Y
L $4.36H $12.99
Today+1.3%
1W-0.7%
1M-7.8%
3M-28.2%
YTD-56.1%
1Y-52.5%
Hold
Conviction
Horizon
Medium (3–12mo)
Street · 17 analysts
Buy
Revenue grew 56.3% YoY; but high leverage (liabilities/equity 8.5x).
Revenue (FY2025) $612M · FY2025
The read
Middling fundamentals and a rich price (~49% above fair value) leave little margin of safety — a wait-and-see.
UP Fintech Holding Ltd shows $612M in FY2025 revenue (+56.3% YoY), a 28.0% net margin, and 19.8% ROE.
Supporting the case: revenue grew 56.3% YoY; strong net margin (28.0%).
Is TIGR a buy? The one-page verdict, explained →
The options angle
model · matches our verdictCovered call~60d expiry
- Long 100 shares @ ~4.58
- Short call 5 @ ~0.60 est
debit $398max +$102max −$397BE 3.98
HOLD means own it, don't chase it — harvesting premium against the position matches the verdict.
Educational template, not a trade recommendation. Strikes and premiums are Black-Scholes model estimates from the last close and 30-day realized volatility — real chains, spreads and IV will differ. Options involve substantial risk.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | $264M | $225M | $273M | $392M | $612M |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $14.7M | -$2.26M | $33.0M | $61.4M | $171M |
| Diluted EPS | $0.01 | $0.00 | $0.01 | $0.02 | $0.06 |
| Net margin | 5.6% | -1.0% | 12.1% | 15.7% | 28.0% |
10-year statements — income, cash flow, balance sheet & CSV export →
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value$27.4M
EV / EBITDA—
EV / Sales0.0
EV / FCF0.0
P / FCF0.6
PEG (trailing)0.41
Earnings yield21.0%
FCF yield160.2%
Quality & risk
ROIC (est.)—
Free cash flow$1.31B
Total debt—
Net cash$791M
Piotroski F-Score5/7
Capital returns
Buyback yield0.3%
Dividend yield (est.)—
Shareholder yield0.3%
Shares Δ YoY+10.3%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Recent filings
all on EDGAR ↗4Period ending 2026-06-252026-06-29open ↗4Period ending 2026-05-012026-06-29open ↗144Filing2026-06-25open ↗SCHEDULE 13G/AFiling2026-06-16open ↗6-KPeriod ending 2026-06-022026-06-02open ↗6-KPeriod ending 2026-05-222026-05-22open ↗20-FPeriod ending 2025-12-312026-04-24open ↗3Period ending 2026-03-182026-04-01open ↗4Period ending 2026-03-192026-03-19open ↗6-KPeriod ending 2026-03-192026-03-19open ↗3Period ending 2026-03-182026-03-18open ↗3Period ending 2026-03-182026-03-18open ↗
Frequently asked
- Is UP Fintech Holding Ltd (TIGR) a buy?
- TIGR currently carries a Hold rating with 3/5 conviction, derived from its latest SEC filings. Revenue grew 56.3% YoY; but high leverage (liabilities/equity 8.5x).
- What is TIGR's fair value?
- A Modified-Graham model based on TIGR's SEC fundamentals estimates a fair value of about $2.36. It is an estimate from reported earnings, not a price target.
- Is TIGR overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, TIGR currently appears overvalued relative to its SEC-grounded earnings power.
- What is UP Fintech Holding Ltd's quality score?
- TIGR scores 67.55011929299248/100 (grade B-) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0001756699, latest 4 filed 2026-06-29) · EODHD · as of 7/5/2026, 6:55:02 AM.
About this recommendation — produced by TENK/calls (tenkcalls.com), Luxembourg · not investment advice
Rule-based analysis, generated automatically from SEC filing data.
Investment recommendation produced by TENK/calls (tenkcalls.com), Luxembourg. Completed Jul 5, 2026, 2:55 AM ET. Ratings & methodology: definitions · All recommendations to date: track record · Conflicts: disclosures. Not investment advice.
Research and education only — not financial advice. TENKis not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities TENK rates; see Disclosures. Past performance does not guarantee future results. Do your own research.