UP Fintech Holding Ltd (TIGR)

Nasdaq: TIGR · Security Brokers, Dealers & Flotation Companies · Beijing, CN · filing with the SEC since 2018

Full chart Alerts Compare

Grade5.8

◀ Past 5.2● Present 4.8▶ Future 7.8

1 est.

Overview Business Financials Grade Forecast Sentiment Ownership People Filings Patents Chart

The grade of UP Fintech Holding Ltd

Nine metrics read from its own filings, by tense

Headline grade

5.8/10

◀ Past5.225% of the headline

● Present4.845% of the headline

▶ Future7.830% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

5.2/1025% of the headline grade · 3 of 3 filed

Surviving crises

as filed

6.7/10

Has it survived what it has been through?

No warning events in its filings since 2018.

weight 45% of this tense · 67th percentile among 30 sector filers · read for itself

From the record

UP Fintech Holding Ltd's filings since 2018 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed

5.2/10

What has it actually done, year after year?

+56.6% a year over 9 filed years; profitable in 5 of 9.

weight 33% of this tense · 52nd percentile among 29 sector filers · read for its customers

From the record

UP Fintech Holding Ltd's 9 filed years say what it did: revenue went from $17 million in fiscal 2017 to $612 million in fiscal 2025, up 56.6% a year; it rose in 7 of 8 years; the deepest fall was 15% from fiscal 2021 to fiscal 2022; net income was positive in 5 of 9 of those years (its annual reports).

What it rests on

revenue growth over the filed span56.6%top 20% of its family
the share of years revenue rosetop 47% of its family
the share of filed years with a profitbottom 22% of its family
the deepest fall from a revenue peak14.8%top 47% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed

2.0/10

How has it treated the people who own it?

Share count grew 6.9% a year. 0% of cash flow returned. Insiders: 1 sales, 0 purchases.

weight 22% of this tense · 20th percentile among 26 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, UP Fintech Holding Ltd's diluted share count grew about 6.9% a year, and dividends and buybacks returned about 0% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 1 sale and 0 purchases of their own stock on the open market in the year to 2026-09-30 (their Form 4 filings).

What it rests on

the share count over the yearsbottom 27% of its family
cash returned against operating cash flowbottom 13% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

4.8/1045% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed

3.9/10

Is it financially healthy right now?

ROE 20%: 20¢ of profit per shareholder dollar. Leverage 89%: owes 89¢ per asset dollar.

weight 33% of this tense · 39th percentile among 29 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, UP Fintech Holding Ltd earned about 20 cents of profit for every dollar of shareholders' money. Leverage: it owed about 89 cents per dollar of assets, and net share issuance: its share count grew 10.8% over the year (the filed statements).

What it rests on

what it owes per dollar of assetsbottom 35% of its family
return on equitytop 33% of its family
the share count against the year beforebottom 16% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed

5.4/10

How strong is its position in its industry?

top 46% of 29 in its family; net margin 28%.

weight 45% of this tense · 54th percentile among 29 sector filers · read for its customers

From the record

UP Fintech Holding Ltd's standing among 29 graded names in its industry family: revenue of $612 million in fiscal 2025 ranks in the bottom 25% by size; a net margin of 28% ranks in the top 33%; revenue growth of 39.5% a year over the last 3 filed years ranks in the top 30% (its annual reports).

What it rests on

revenue against the family$612Mbottom 25% of its family
net margin28.0%top 33% of its family
three-year revenue growth39.5%top 30% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate

4.9/10

What are the people in charge doing?

SI estimate 4.9/10, confidence 20 of 100 (family median).

weight 22% of this tense · 50th percentile among 22 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-18 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge, so the desk assumes the typical reading of its industry family, the median of 22 members with one.
What the record cannot read: It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-18 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge.
How it was reasoned: family median, 22 readings behind it.
Confidence: 20 of 100
What would change it: Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: UP Fintech Holding Ltd's leadership is put at 4.9 of 10 with a confidence of 20 of 100, because it files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-18 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge, so the desk assumes the typical reading of its industry family, the median of 22 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

7.8/1030% of the headline grade · 3 of 3 filed

Room to expand

as filed

9.2/10

How much room does it have to grow?

top 8% of 29 in its family for room to expand.

weight 33% of this tense · 92nd percentile among 29 sector filers · read for itself

From the record

UP Fintech Holding Ltd's room to grow, from the newest filed statements (fiscal 2025): cash of $4.2 billion against no long-term debt tagged leaves 51% of its assets as net cash, top 9% of its family; cash from operations less capital spending is 214.2% of revenue (top 5%); research spending of 16.3% of revenue (top 10%) (its annual report).

What it rests on

cash less debt against assets51.0%top 9% of its family
cash from operations less capital spending against revenue214.2%top 5% of its family
research spending against revenue16.3%top 10% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed

5.8/10

What could actually drive growth from here?

top 42% of 29 in its family for growth drivers.

weight 33% of this tense · 58th percentile among 29 sector filers · read for its customers

From the record

UP Fintech Holding Ltd's growth drivers, from the filed years to fiscal 2025: revenue grew 39.5% a year over the last three filed years against 56.6% over all 9, slowing (bottom 9% of its family); the newest year grew 56.4% (top 16%); research spending grew 18.5% a year (top 19%); capital spending grew 3.9% a year (top 44%) (its annual reports). UP Fintech Holding Ltd reported 4 product lines in fiscal 2025: Commissions at $267 million (44%), Interests Income at $257 million (42%), Product and Service Other at $78 million (13%), and 1 more; 3 of 4 grew against the year before (its annual report).

What it rests on

three-year growth against the whole span-17.1 points a yearbottom 9% of its family
the newest year's revenue growth56.4%top 16% of its family
three-year growth of research spending18.5%top 19% of its family
three-year growth of capital spending3.9%top 44% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed

8.3/10

Did its newest year beat what its own record pointed to?

top 17% of 25 in its family for expectations against reality.

weight 33% of this tense · 83rd percentile among 25 sector filers · read for its shareholders

From the record

UP Fintech Holding Ltd's newest year against its own record: revenue of $612 million in fiscal 2025 came in 18.6% above the $516 million its prior three years' pace pointed to (top 30% of its family); net income of $171 million against a prior three-year average of $31 million (top 6%); a net margin of 28% against 8.9% before (top 14%) (its annual reports).

What it rests on

revenue against the prior three years' pace18.6%top 30% of its family
net income against the prior three years' average+459%top 6% of its family
net margin against its prior average+19.1 pointstop 14% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton TIGR · research, not advice