# UP Fintech Holding Ltd American Depositary Share representing fifteen Class A (TIGR) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Capital Markets. Price $5.08, market value $914 million.

## Valuation
- **P/E (trailing): 10.6×** (5-yr avg 307.5×, 3-yr avg 246.4×). UP Fintech Holding Ltd American Depositary Share representing fifteen Class A trades at 10.6× trailing earnings, well below its own five-year average of 307.5×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 5.6×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.04**. A PEG of 0.04 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 1.3×**. Each dollar of revenue is priced at 1.3×.
- **Price / book: 1.1×**. The shares trade at 1.1× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 143.5%** (5-yr avg 3.3%). Free cash flow equals 143.5% of the market value, above its five-year average of 3.3%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 9.4%**. The inverse of the P/E: 9.4% of the price is earned each year.

## Profitability
- **Gross margin: 68.6%**. UP Fintech Holding Ltd American Depositary Share representing fifteen Class A keeps 68.6% of revenue after the direct cost of what it sells, the kind of margin that comes with software, brands or pricing power.
- **Operating margin: 44.0%**. 44.0% of revenue is left after running the business, an exceptional level.
- **Net margin: 28.0%**. 28.0% of each dollar of sales reaches the bottom line.
- **Return on equity: 19.8%**. 19.8% on shareholders' equity is solid.
- **Return on assets: 1.4%**. Each dollar of assets produces 1.4% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 56.3%** (3-yr 39.5%/yr, 5-yr 34.6%/yr). Revenue grew 56.3% over the last year, against 34.6% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): 158.3%** (5-yr 44.0%/yr). Earnings per share rose 158.3%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): 73.0%/yr**. Free cash flow has compounded at 73.0% a year over three years.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.

## Dividends
- **Dividend: none**. UP Fintech Holding Ltd American Depositary Share representing fifteen Class A does not currently pay a dividend.

## Analyst view
- **Analyst consensus: buy** (11 analysts). 11 analysts cover UP Fintech Holding Ltd American Depositary Share representing fifteen Class A; the consensus is buy, with an average price target of $7.71 (+52% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): -60.1%** (YTD -46.9%, 3-mo 13.4%). The shares are down 60.1% over twelve months including dividends.
- **From 52-week high: -60.2%** (27.0% above the low). Trading 60% below its 52-week high, deep in a drawdown.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 54**. An RSI of 54 is neutral.
- **Beta (1 yr): 1.82** (volatility 59%). Beta of 1.82 against the S&P 500: the shares move much more than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=TIGR · Page: https://foliofundamentals.com/stocks/tigr

Not investment advice.