UP Fintech Holding Ltd. Sponsored ADR Class A

TIGR

Financial - Capital Markets · Financial Services

Exchange

NASDAQ

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Data as of Aug 23, 2026 · filings through Mar 31, 2026

How the score breaks down

Quality

Exceptional

Growth

Exceptional

Cash Flow

Weak

Stability

Strong

Valuation

Strong

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Winston Score History

The full picture

UP Fintech Holding Ltd., known as Tiger Brokers, runs an online brokerage platform that lets people buy and sell stocks, options, and other investments. Its main app, Tiger Trade, targets Chinese investors who want access to US, Hong Kong, and other international markets. The company is one of the leading online brokers serving Chinese-speaking retail investors globally.

UP Fintech makes money through trading commissions, margin lending interest, and fees for services like IPO subscriptions and wealth management products. It operates primarily in Singapore, the US, Australia, and New Zealand, with a large portion of its customer base being overseas Chinese investors. The company's 82% gross margin reflects its asset-light, technology-driven model, and its early-mover position in serving this niche gives it a recognizable brand among its target audience. The key risk is regulatory pressure — both Chinese authorities and foreign governments can change rules affecting cross-border investing, which could limit customer growth or restrict certain services.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+26.7% YoY

YoY Growth Rate

Strong revenue growth

EPS Growth

-178.9% YoY

YoY Growth Rate

Earnings declining

Insider Activity

0.0%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$4.3B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Strong grower

UP Fintech Holding Ltd. Sponsored ADR Class A is growing revenue at 27% year-over-year. The Winston Score penalises unprofitable companies, but revenue at this pace tells a different story — this is a company still in "build mode."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

95.0%

Premium pricing power — 95.0% gross margin

Profit after running costs

Operating Margin

42.4%

Excellent — 42.4% operating margin

Return on the money invested

ROCE

28.5%

Exceptional — 28.5% return on capital

ROIC above 25%. Every dollar invested in the business earns more than 25 cents back per year.

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Growth

Sales growth

Sales YoY

+48.3%

Fast-growing sales (+48.3% YoY)

Profit growth

EPS YoY

+36.8%

Earnings growing fast (+36.8% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Profit that turns into cash

Cash Conversion

Weak — only 0% of profit becomes cash

Spare cash per sale

FCF Margin

0.0%

Thin free cash flow (0.0%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

What it owes vs what it owns

Debt / Equity

0.19

Conservative — low debt load (0.19)

Covers its interest

Interest Cover

3.82x

Tight — interest eats into profit (3.8x)

Interest coverage between 3 and 8. Profits cover interest several times over.

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Valuation

Price vs profit

P/E Ratio (TTM)

7.8x

no trend

Attractive valuation — P/E 7.8

P/E under 10. The price tag is small relative to last year's profit.

Cheaper or dearer next year

P/E vs Forward

+1.8

GROWING

Earnings expected to grow — slightly cheaper on forward P/E

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Dividends

Not applicable for this business.

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