UP Fintech Holding Ltd American Depositary Share representing fifteen Class A Ordinary Shares (TIGR)

FairStock Score: 93/100 — HIGH CONVICTION

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

In fiscal Q2 2026, UP Fintech reported revenue of $182.3 million, net income of $39.4 million, and a 21.59% net margin. That is a real, profitable brokerage, not a story stock. The business is the Tiger Trade platform, serving Chinese investors across New Zealand, Cayman, Singapore, the United States, and internationally. Its moat is not obvious: online brokerage is competitive, price-sensitive, and vulnerable to regulation and trading volumes, though a focused app and a niche customer base help. Financial health looks reasonable in the data: FairStock calculates ROE at 13.57%, D/E at 0.07, EPS at $0.48, P/E at 9.04, and P/B at 0.92 as of the 2026-10-13 close. The growth figures supplied — revenue up 73.33% and profit up 203.12% — are striking, but they are not tied to a named fiscal period here, so I cannot treat them as durable without more filings. FairStock’s PEG of 0.04 implies very cheap growth, though that ratio can flatter a cyclical brokerage. The FairStock score is 93/100, but its Lynch category is none because only 0 years of filed results are available against a three-year requirement. Piotroski is 5/9, and ROCE is only 1.22%, warning that returns on total capital are thin. As a financial company, free cash flow, EV/EBITDA, Altman Z, and Graham Number do not apply. CET1, NIM, and combined ratio are not in the data. At $4.34, near the low end of a $4.00–$11.35 52-week range, the price looks modest against earnings and book, but the short history and competitive risks keep it speculative.

In plain English: UP Fintech runs a stock-trading app for Chinese-speaking investors in several countries. The business is profitable and growing, and the shares look inexpensive compared with its profits and net assets. But it is a small, competitive brokerage with a short public record, so the cheapness comes with real uncertainty.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer