UP Fintech Holding Limited (TIGR) AI Stock Analysis

UP Fintech Holding Limited operates an online brokerage platform tailored for Chinese investors, offering trading services in stocks, options, warrants, and other financial instruments. Founded in 2014 and based in Beijing, China, the company reaches users through its mobile application and website. In addition to core brokerage execution, UP Fintech provides investor education, community interaction tools, investor relations platforms, asset management, wealth management, and IPO underwriting services. The company is also exploring cryptocurrency integration and blockchain technology to support trade execution, digital asset custody, and funding allocation across its digital finance platform.

Revenue expanded from $264.5M in FY2021 to $613.7M in FY2025, reflecting a 5-year revenue CAGR of 34.7% from FY2020 through FY2025. Gross margin expanded from 48.3% in FY2021 to 93.2% in FY2025, while operating margin rose from 6.7% to 46.0% over the same span. Net income shifted from -$2.2M in FY2022 to $171.4M in FY2025, bringing diluted EPS to $0.96. Over the trailing twelve months, revenue was $607.2M with a net profit margin of 18.4%. In the latest quarter ended June 30, 2026, revenue increased 32.4% year-over-year, while quarterly earnings declined 33.3%.

As of June 30, 2026, UP Fintech held $4.83B in cash and short-term investments against $61.4M in total debt, resulting in net cash of $4.77B. Shareholders' equity stood at $887.2M out of $9.75B in total assets, yielding a debt-to-equity ratio of 0.07 and a current ratio of 1482.61. In FY2025, operating cash flow reached $1.32B and free cash flow was $1.31B. Capital allocation during FY2025 included $5.5M for capital expenditures and $3.0M for share buybacks, while the share count expanded 17.3% over the prior 5 years.

UP Fintech trades at a trailing P/E of 7.5x, below the 12.1x median for its US-listed Financial Services peer group. Its forward P/E stands at 15.0x compared to the peer median of 10.8x, while its price-to-sales multiple is 1.2x versus the peer median of 3.2x. The enterprise value of $238.2M corresponds to an EV/EBITDA of 1.0x, lower than the peer median of 11.7x. Over the past year, the stock fell 56.9% while the S&P 500 gained 16.8%, and over five years the stock fell 48.8% compared to an 83.0% gain for the index.

Consensus analyst coverage consists of 8 Strong Buy, 2 Buy, 0 Hold, 0 Sell, and 1 Strong Sell recommendations. The mean price target is $7.71, representing an upside of 90.4% from the last close of $4.05 on October 16, 2026. For the fiscal year ending December 31, 2026, analysts estimate EPS of $0.56 (a decline of 44.6%) on revenue of $696.4M. For the following fiscal year, 6 analysts forecast EPS of $0.90 on revenue of $677.7M. UP Fintech beat EPS consensus estimates in 2 of the trailing 4 quarters, with next earnings scheduled for December 3, 2026.

This page is an AI-written research summary of UP Fintech Holding Limited (TIGR). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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