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Up Fintech Holding Ltd (TIGR) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of Up Fintech Holding Ltd $4.48, price $4.71, upside -4.9%, quality 54 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? Yes
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Financial Services · US · ISIN US91531W1062

UF Up Fintech Holding Ltd logo Some data Sep 23, 2026

Up Fintech Holding Ltd

TIGR · US

NeutralThe stock looks roughly fairly valued with average quality.

·Fair value $4.48 · Fairly valued (−5%)
!Quality 54/100
!Mixed Growth (revenue 5y +34.7 %/yr)
✓Highly profitable · 20.0% net margin (TTM)
✓Low debt · generates free cash flow
✓Ranks above peers (10/12)
✓Wide moat 69/100
!Evidence only medium, so the estimate is less certain
!Weak on valuation: 27 out of 100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$29.28 $2.33 Fair Value $4.48 Jun 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.

How to read this chart

60‑month range $2.33 – $29.28 · fair‑value band $3.29 – $7.09 · the $4.71 price screens above the $4.48 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.

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Company profile

UP Fintech Holding Limited provides online brokerage services focusing on Chinese investors in New Zealand, the Cayman Island, Singapore, the United States, and internationally.

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UP Fintech Holding Limited provides online brokerage services focusing on Chinese investors in New Zealand, the Cayman Island, Singapore, the United States, and internationally. The company has developed a brokerage platform, Tiger Trade which allows investor to trade stocks, options, warrants, and other financial instruments that can be accessed through its APP and website. It also provides value-added services, including investor education, community engagement, and IR/PR platform services. In addition, the company offers trade execution, margin financing, and securities lending services; asset management and wealth management; ESOP management; fund license application, product design, asset custody, transaction execution, and funding allocation; fund structuring and management; and IPO underwriting services. Further, the company provides market information and simulated trading services; and trade futures contracts. UP Fintech Holding Limited was founded in 2014 and is headquartered in Singapore.

Stock analysis

Up Fintech Holding Ltd (TIGR) currently trades at $4.71, while our model-based Fair Value estimate is $4.48, implying the stock looks roughly 5.1% fairly valued today.

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Valuation

Bull case: the Earnings-Based group reads highest at a median of $29.87 per share, and 9 of the 10 models we run sit above the $4.71 price.

Bear case: the Asset-Based group reads lowest at $3.37, and 1 of the 10 models stay below the price. Evidence for this calculation is medium.

Scenario range: $3.29 (bear) to $7.09 (bull), the price of $4.71 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 54/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Up Fintech Holding Ltd reported revenue of $614M in FY2025 versus $264M in FY2021, a compound +23.4%/yr. Reported net income was $171M in FY2025, compounding +84.8%/yr from FY2021.

Key figures

Market cap $882M · P/E ratio 7.6 · P/S ratio 2.13 · EPS (TTM) $0.6100 · Net margin 27.9% · Return on equity 14.7% · Return on assets (EBIT) 1.8% · Operating margin 34.8%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 52 out of 100 (low confidence).

What moves the price

The share trades about 58% below its 52-week high and 8% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −20% fair-value upside, at −5%, TIGR screens cheaper than that median.

Fair Value models

Bear $3.29 Fair Value $4.48 Bull $7.09
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($0.4462 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Growth DCF $125.90 $193.09 $316.69 77
Owner Earnings $41.30 $59.79 $94.12 76
5Y P/E Exit $65.67 $88.78 $115.51 72
All 10 models by family
DCF Models
Owner Earnings $41.30 $59.79 $94.12 76
5Y P/E Exit $65.67 $88.78 $115.51 72
10Y P/E Exit $88.56 $125.03 $174.38 64
Earnings-Based
Graham-Dodd $6.77 $47.22 $66.26 63
Lynch FV $20.91 $29.87 $38.83 61
Multiples
P/E Multiple $9.71 $12.94 $16.18 63
P/B Multiple $5.28 $7.04 $8.80 55
Asset-Based
NCAV (Graham) $2.51 $3.37 $5.03 54
Growth DCF
Growth DCF $125.90 $193.09 $316.69 77
Economic Profit
Residual Income $5.65 $7.51 $23.96 59

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Quality Score breakdown

Overall quality 54/100

Of which business quality 66 · Market factors (momentum, volatility) 23

Profitability 43
Margins and returns on capital today
Quality Growth 84
Are margins and returns improving?
Cashflow 100
Earnings quality: real cash, not paper profit
Fin. Strength 100
Balance sheet, leverage, solvency risk
Investment 33
Disciplined investing over empire-building
Low Volatility 51
Calm price path (market factor)
Momentum 17
Price trend over the last 3–12 months (market factor)
52W Momentum 3
Distance to the 52-week high (market factor)
Net Issuance 5
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 92/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+56.7%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+39.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+34.7%
Start year 2020 (pandemic)
Revenue growth 26 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+19.3%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted.
+52.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+52.0%
Dividend (yield on the price)0.0%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.23% → 46%

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Capital Markets · 463 stocks

Beats the industry median on 10/12 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 63 · Top 25%
Fair Value upside −8% · Below median
Profitability
Return on equity (TTM) 15% · Above median
Return on assets 1% · Below median
Net margin (TTM) 20% · Above median
Operating margin (TTM) 35% · Above median
Growth and dividend
Revenue growth 27% · Above median
Balance sheet
Debt / equity 0.06× · Below median

Valuation Multiplesvs Capital Markets median · lower = cheaper

P/E (TTM) 7.6× · Cheapest 25%
P/B 1.06× · Cheaper than median
P/S (TTM) 1.61× · Cheaper than median
P/FCF 0.7× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)27 · sector 32
FUTURE (revenue growth)100 · sector 91
PAST (return on equity)59 · sector 30
HEALTH (low debt)97 · sector 95
DIVIDEND (yield)0 · sector 41

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Capital Markets stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Morgan Stanley, a financial holding company, MS $200.18 $312.73 +56%
The Goldman Sachs Group GS $949.49 $756.89 −20%
The Charles Schwab Corporation SCHW $100.35 $117.26 +17%
Interactive Brokers Group IBKR $91.88 $23.37 −75%
Robinhood Markets, Inc HOOD $124.25 $47.73 −62%
Macquarie Group MQG A$242.35 A$75.58 −69%
CITIC Securities Company 600030 ¥26.89 ¥17.68 −34%
Guotai Haitong Securities Co 601211 ¥17.71 ¥18.62 +5%
East Money Information Co 300059 ¥18.77 ¥4.77 −75%
CSC Financial Co 601066 ¥23.77 ¥40.45 +70%

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Up Fintech Holding Ltd · Fair Value
$4.48 −5%Fair Value
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Cite: Fair Value Calculator (2026). "Up Fintech Holding Ltd Fair Value". https://www.fairvalue-calculator.com/stock/TIGR

Frequently asked questions

Is Up Fintech Holding Ltd (TIGR) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $4.48 versus a price of $4.71, about −5% upside (fairly valued).
What is the fair value of TIGR?
Our model-based fair value for Up Fintech Holding Ltd is $4.48 (as of Sep 23, 2026), built from audited fundamentals. The current price: $4.71.
What is the quality score of TIGR?
Up Fintech Holding Ltd has a Quality Score of 54/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Up Fintech Holding Ltd (TIGR)?
Our model-based price target is the fair value of $4.48 (as of Sep 23, 2026) from 10 valuation models. Cautious scenario $3.29, optimistic scenario $7.09. It is a calculation from audited fundamentals, not an analyst target.
What is the Up Fintech Holding Ltd stock forecast for 2026?
Our models put fair value at $4.48, about −5% upside versus a price of $4.71 (fairly valued). Cautious scenario $3.29, optimistic scenario $7.09. The calculation is refreshed regularly with new filings.
What is the revenue of Up Fintech Holding Ltd (TIGR)?
Up Fintech Holding Ltd reported trailing-twelve-month revenue of about $568M (latest available figure, as of Sep 23, 2026).
What is the intrinsic value of Up Fintech Holding Ltd (TIGR)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Up Fintech Holding Ltd it is $4.48 per share (as of Sep 23, 2026), against a price of $4.71. It is the blended result of 10 valuation models (cash flow, earnings, asset, dividend).
Is Up Fintech Holding Ltd stock overvalued or undervalued in 2026?
As of Sep 23, 2026, TIGR trades above its calculated fair value: price $4.71, fair value $4.48, a gap of about −5% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of TIGR?
No. The price is what the market pays today ($4.71); the fair value is what the company's own numbers justify ($4.48). For Up Fintech Holding Ltd the two are $0.2290 per share apart. That gap is exactly why we show both numbers side by side.
How much is Up Fintech Holding Ltd worth?
The market values Up Fintech Holding Ltd at about $882M (market capitalisation, as of Sep 23, 2026). Per share that is $4.71; our models calculate a fair value of $4.48 per share.
What do the bullish and bearish scenarios say about TIGR?
Our models span a range for Up Fintech Holding Ltd: cautious scenario $3.29, base $4.48, optimistic $7.09 per share (as of Sep 23, 2026, price $4.71). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of TIGR?
Up Fintech Holding Ltd trades at a price-to-earnings ratio of 7.6 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $4.48 is built from several models across several years. Other multiples: P/B 1.1, P/S 1.6.
How solid is the balance sheet of Up Fintech Holding Ltd (TIGR)?
Balance-sheet figures for Up Fintech Holding Ltd (as of Sep 23, 2026): return on equity 14.7%, debt of 0.06 per unit of equity. They feed the Quality Score of 54/100, which measures business quality independently of the share price.
How far is TIGR from its 52-week high?
Up Fintech Holding Ltd trades at $4.71, about 58% below its 52-week high of $11.12 and 8% above the low of $4.36 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $4.48 is for.
Which stocks are comparable to Up Fintech Holding Ltd?
From the same area (Financial Services) we also value Morgan Stanley, a financial holding company,, The Goldman Sachs Group, The Charles Schwab Corporation, Interactive Brokers Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Up Fintech Holding Ltd stock attractive at the current price?
The data as of Sep 23, 2026: price $4.71, calculated fair value $4.48 (−5%), Quality Score 54/100, from 10 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of TIGR calculated?
We run Up Fintech Holding Ltd through 10 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $4.48, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1 % above its aggregate fair value. Up Fintech Holding Ltd itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Up Fintech Holding Ltd (TIGR)?
The closing price on Sep 23, 2026 was $4.71. Our model-based fair value is $4.48, about −5% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Up Fintech Holding Ltd right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. A fairly wide model range ($3.29 to $7.09) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Up Fintech Holding Ltd

How large is the market capitalisation of Up Fintech Holding Ltd (TIGR)?
The market capitalisation of Up Fintech Holding Ltd is $882M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Up Fintech Holding Ltd (TIGR)?
The price-to-sales ratio of Up Fintech Holding Ltd is 2.13 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Up Fintech Holding Ltd (TIGR)?
Earnings per share at Up Fintech Holding Ltd are $0.6100 (price ÷ EPS = P/E 7.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Up Fintech Holding Ltd (TIGR)?
The net margin of Up Fintech Holding Ltd is 27.9% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Up Fintech Holding Ltd (TIGR)?
The return on equity (ROE) of Up Fintech Holding Ltd is 14.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Up Fintech Holding Ltd (TIGR)?
On an EBIT basis the return on assets of Up Fintech Holding Ltd is 1.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Up Fintech Holding Ltd (TIGR)?
The operating margin of Up Fintech Holding Ltd is 34.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Up Fintech Holding Ltd (TIGR)?
Revenue at Up Fintech Holding Ltd is growing +27.1% versus a year earlier (3y avg +39.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Up Fintech Holding Ltd (TIGR)?
Earnings per share at Up Fintech Holding Ltd are growing +66.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Up Fintech Holding Ltd (TIGR) generate?
The free cash flow of Up Fintech Holding Ltd is $1.3B (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Up Fintech Holding Ltd (TIGR) hold?
Up Fintech Holding Ltd holds more cash than debt, $4.0B net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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