Intrinsiqq
UP Fintech Holding Ltd logoUP Fintech Holding LtdTIGR
$4.06-2.05%
UP Fintech Holding Ltd logo

UP Fintech Holding Ltd

TIGR

$4.06

-$0.09 (-2.05%)

⊜ Compare
ProfitabilityN/AGrowthAcceleratingCash FlowN/AValuationRichly valued
What stands out

27.92% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.

What's changing

Revenue grew 56.3% YoY.

What deserves caution

At 65x earnings, the multiple is above the banking sector average. Financials rarely sustain elevated multiples through credit cycles.

Valuation context

65.4x earnings. Above the financial-sector median (~13x). The market is pricing in above-average returns or growth, any credit deterioration would compress the multiple quickly.

Price History

-57.8%

Valuation & Multiples

Based on TTM earnings · Diluted shares

Market Cap$11.39B
EPS$0.06
P/E65.40
Div. Yield—
Net Margin27.9%
P/Book13.2x
52-Week Range
$4.05$11.12

Profitability & Returns

Revenue (TTM)

$612M

▲ +56.3% YoY

Net Income (TTM)

$171M

▲ +181.4% YoY

Net Margin

27.92%

P/E

65.4x

Balance Sheet

Total Assets

$8.23B

Equity

$866M

Total Debt

$62M

Cash & Equiv.

$791M

5Y CAGR: +34.6%

Continue Research

SourceComputed from the 10-K filed 24 Apr 2026, covering the period ending 31 Dec 2025, as reported to the SEC. Data last refreshed 6 Jun 2026. How this is calculated.

Price from market data, last close as of 22 Oct 2026. Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically.

Is UP Fintech Holding (TIGR) overvalued?

At a P/E of 65.4 and a price-to-free-cash-flow of 8.7, UP Fintech Holding (TIGR) trades below a two-stage DCF intrinsic value of about $23.83 per share, so at $4.06 the stock looks undervalued (487.7% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.

On quality, UP Fintech Holding scores 73/100 on Intrinsiqq's quality scorecard (a solid business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from SEC filings; read the full methodology, or see how the market compares in our US profitability statistics. This is analysis, not investment advice.

Frequently asked

What is UP Fintech Holding's fair value?+

Intrinsiqq's two-stage DCF estimates an intrinsic value of about $23.83 per share for TIGR, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around $17.87. At today's $4.06, that puts the stock about 487.7% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.

Is UP Fintech Holding a high-quality business?+

UP Fintech Holding scores 73 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a solid business on these measures. Recent fundamentals include a 46.0% operating margin and a 28.1% return on invested capital. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.

Is UP Fintech Holding a good stock to buy right now?+

That depends on valuation and quality together, not either alone. TIGR currently trades below its estimated intrinsic value and scores 73/100 on quality (solid). A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.

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Spot a number that looks wrong? Check it in TIGR's SEC filings or

Download this analysis as a PDF (Pro)

Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.

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Not financial advice. Analytical data for research only.

Intrinsiqq is a Netherlands-based company operating in Rotterdam, KvK 73238007.