UP Fintech Holding Ltd. Sponsored ADR Class A (TIGR) Stock Analysis & Winston Score

UP Fintech Holding Limited provides online brokerage services focusing on Chinese investors. The company has developed a brokerage platform, which allows investor to trade stocks, options, warrants, and other financial instruments that can be accessed through its APP and website. It offers brokerage and value-added services, including investor education, community engagement, and IR platform; and account management services. The company also provides trade execution, margin financing, and securi

Winston Score History

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

+42.1% YoY

YoY Growth Rate

Strong revenue growth

EPS Growth

+62.5% YoY

YoY Growth Rate

Strong earnings growth

Insider Activity

0.0%ownership

↓ Declining

Insider ownership declining — could be dilution or selling

Cash Position

Cash flow positive

$4.2B 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 42% 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

Gross Margin

93.7%

Premium pricing power — 93.7% gross margin

Operating Margin

41.4%

Excellent — 41.4% operating margin

ROCE

7.1%

Weak — 7.1% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales YoY

+56.5%

Fast-growing sales (56.5% YoY)

EPS YoY

+172.1%

Earnings growing fast (172.1% YoY)

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

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

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Cash Flow

Cash Conversion

393%

Turns 393% of profit into real cash

FCF Margin

109.8%

Converts sales into free cash efficiently (109.8%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.20

Conservative — low debt load (0.20)

Interest Cover

3.84x

Tight — interest eats into profit (3.8x)

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

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Valuation

P/E Ratio (TTM)

7.1x

no trend

Attractive valuation — P/E 7.1

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

P/E vs Forward

+1.3

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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