What is Up Fintech Hldg Ltd's earnings per share (EPS)?

Up Fintech Hldg Ltd (TIGR) reported diluted earnings per share of $0.06 for fiscal year 2025. This represents a 158.3% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Up Fintech Hldg Ltd Financials

TIGR

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Up Fintech Hldg Ltd (TIGR) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 9 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI TIGR FY2024 2026-04-24

Shareholder returns come mainly from balance-sheet leverage, while the operating platform remains light on capital spending and maintenance needs.

In FY2024, ROA stayed only 1.0% while ROE reached 9.4%. That spread exists because a $655M equity base supported $6.4B of assets, so shareholder returns depend more on balance-sheet gearing than on unusually rich asset yields.

The platform looks operationally asset-light: FY2024 capital spending was just $1.6M against operating cash flow of $828.0M, so ongoing maintenance does not appear to be the main cash demand. That matters because FY2023 showed profit without cash conversion, meaning balance-sheet movements can overpower earnings in any single year.

Liquidity appears tightly managed rather than surplus-funded: the current ratio was about 1.1x in FY2024 even with $394M of cash, because current liabilities reached $5.6B. The business has regained cumulative profitability, but with a thinner equity cushion than its asset scale might imply, making balance-sheet discipline central to how it operates.

Financial Health Signals

Financial Profile 43/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Up Fintech Hldg Ltd's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

100

Up Fintech Hldg Ltd's revenue surged 62.9% year-over-year to $538.7M, reflecting rapid business expansion. This strong growth earns a score of 100/100.

Leverage

Up Fintech Hldg Ltd has elevated debt relative to equity (D/E of 8.50), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Liquidity

Up Fintech Hldg Ltd's current ratio of 1.12 is below the typical benchmark, resulting in a score of 17/100. This tight liquidity could limit financial flexibility if cash inflows slow.

Cash Flow

100

Up Fintech Hldg Ltd converts 243.4% of revenue into free cash flow ($1.3B). This strong cash generation earns a score of 100/100.

Returns

Up Fintech Hldg Ltd's ROE of 19.8% shows moderate profitability relative to equity, earning a score of 42/100. This is up from 9.4% the prior year.

Piotroski F-Score Neutral

5/9

Up Fintech Hldg Ltd passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

7.68x

For every $1 of reported earnings, Up Fintech Hldg Ltd generates $7.68 in operating cash flow ($1.3B OCF vs $171.5M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$538.7M

YoY+62.9%

5Y CAGR+33.2%

Up Fintech Hldg Ltd generated $538.7M in revenue in fiscal year 2025. This represents an increase of 62.9% from the prior year.

EBITDA

N/A

Net Income

$171.5M

YoY+179.5%

5Y CAGR+55.0%

Up Fintech Hldg Ltd reported $171.5M in net income in fiscal year 2025. This represents an increase of 179.5% from the prior year.

EPS (Diluted)

$0.06

YoY+158.3%

5Y CAGR+44.0%

Up Fintech Hldg Ltd earned $0.06 per diluted share (EPS) in fiscal year 2025. This represents an increase of 158.3% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$1.3B

YoY+58.7%

5Y CAGR+19.7%

Up Fintech Hldg Ltd generated $1.3B in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 58.7% from the prior year.

Cash & Debt

$791.0M

YoY+101.0%

5Y CAGR+58.3%

Up Fintech Hldg Ltd held $791.0M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

2.75B

Up Fintech Hldg Ltd had 2.75B shares outstanding in fiscal year 2025.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

31.8%

YoY+13.3pp

5Y CAGR+16.9pp

Up Fintech Hldg Ltd's net profit margin was 31.8% in fiscal year 2025, showing the share of revenue converted to profit. This is up 13.3 percentage points from the prior year.

Return on Equity

19.8%

YoY+10.4pp

5Y CAGR+11.7pp

Up Fintech Hldg Ltd's ROE was 19.8% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 10.4 percentage points from the prior year.

Capital Allocation

R&D Spending

$100.0M

YoY+24.8%

5Y CAGR+34.8%

Up Fintech Hldg Ltd invested $100.0M in research and development in fiscal year 2025. This represents an increase of 24.8% from the prior year.

Share Buybacks

N/A

Capital Expenditures

$5.5M

YoY+253.0%

5Y CAGR+41.2%

Up Fintech Hldg Ltd invested $5.5M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 253.0% from the prior year.

TIGR Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$538.7M+62.9%	$330.7M+46.6%	$225.5M+9.1%	$206.7M-16.0%	$246.1M+91.7%	$128.4M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	$100.0M+24.8%	$80.1M+26.3%	$63.5M+5.5%	$60.1M+25.9%	$47.8M+112.2%	$22.5M
SG&A Expenses	$36.2M-7.8%	$39.3M+80.2%	$21.8M+18.9%	$18.3M-19.3%	$22.7M+65.1%	$13.7M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$73.4M+20.6%	$60.8M+29.5%	$47.0M+151.5%	$18.7M+1.6%	$18.4M+81.9%	$10.1M
Income Tax	$36.0M+76.2%	$20.4M+57.2%	$13.0M+202.8%	$4.3M-1.7%	$4.4M+53.1%	$2.9M
Net Income	$171.5M+179.5%	$61.4M+85.9%	$33.0M+1562.5%	-$2.3M-115.4%	$14.7M-23.4%	$19.2M
EPS (Diluted)	$0.06+158.3%	$0.02+71.4%	$0.01	$0.00-100.0%	$0.010.0%	$0.01

Metric	Q4'25	Q4'24	Q2'24	Q4'23	Q4'22	Q4'21	Q4'20	Q4'19
Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Income Tax	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
EPS (Diluted)	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

TIGR Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$8.2B+28.7%	$6.4B+70.6%	$3.7B-1.4%	$3.8B+14.3%	$3.3B+51.5%	$2.2B
Current Assets	$8.2B+28.8%	$6.3B+71.5%	$3.7B-1.3%	$3.7B+14.3%	$3.3B+52.0%	$2.2B
Cash & Equivalents	$791.0M+101.0%	$393.6M+22.0%	$322.6M+16.2%	$277.7M+3.2%	$269.1M+237.8%	$79.7M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	$372.2M
Goodwill	$2.5M0.0%	$2.5M0.0%	$2.5M0.0%	$2.5M0.0%	$2.5M+2.9%	$2.4M
Total Liabilities	$7.4B+28.4%	$5.7B+76.2%	$3.3B-2.8%	$3.3B+16.4%	$2.9B+46.9%	$2.0B
Current Liabilities	$7.3B+31.2%	$5.6B+80.2%	$3.1B-3.0%	$3.2B+16.9%	$2.7B+39.4%	$2.0B
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$865.5M+32.1%	$655.2M+34.0%	$489.0M+9.4%	$447.1M+0.1%	$446.6M+89.5%	$235.7M
Retained Earnings	$208.4M+450.7%	$37.8M+293.1%	-$19.6M+61.1%	-$50.4M-10.0%	-$45.8M+23.1%	-$59.6M

Metric	Q4'25	Q4'24	Q2'24	Q4'23	Q4'22	Q4'21	Q4'20	Q4'19
Total Assets	$8.2B+28.7%	$6.4B+33.3%	$4.8B+28.0%	$3.7B-1.4%	$3.8B+14.3%	$3.3B+51.5%	$2.2B+171.0%	$809.1M
Current Assets	$8.2B+28.8%	$6.3B+33.6%	$4.7B+28.4%	$3.7B-1.3%	$3.7B+14.3%	$3.3B+52.0%	$2.2B+179.6%	$769.7M
Cash & Equivalents	$791.0M+101.0%	$393.6M+0.3%	$392.5M+21.7%	$322.6M+16.2%	$277.7M+3.2%	$269.1M+237.8%	$79.7M+34.1%	$59.4M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	$372.2M+250.8%	$106.1M
Goodwill	$2.5M0.0%	$2.5M0.0%	$2.5M0.0%	$2.5M0.0%	$2.5M0.0%	$2.5M+2.9%	$2.4M0.0%	$2.4M
Total Liabilities	$7.4B+28.4%	$5.7B+33.7%	$4.3B+31.8%	$3.3B-2.8%	$3.3B+16.4%	$2.9B+46.9%	$2.0B+229.4%	$594.0M
Current Liabilities	$7.3B+31.2%	$5.6B+35.1%	$4.1B+33.4%	$3.1B-3.0%	$3.2B+16.9%	$2.7B+39.4%	$2.0B+232.1%	$587.6M
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$865.5M+32.1%	$655.2M+30.7%	$501.2M+2.5%	$489.0M+9.4%	$447.1M+0.1%	$446.6M+89.5%	$235.7M+11.2%	$211.9M
Retained Earnings	$208.4M+450.7%	$37.8M+965.6%	-$4.4M+77.7%	-$19.6M+61.1%	-$50.4M-10.0%	-$45.8M+23.1%	-$59.6M+19.2%	-$73.7M

TIGR Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$1.3B+59.0%	$828.0M+12709.4%	-$6.6M-102.5%	$258.1M-37.5%	$413.2M-22.8%	$535.3M
Capital Expenditures	$5.5M+253.0%	$1.6M-43.8%	$2.8M-43.5%	$4.9M-1.6%	$5.0M+407.9%	$978K
Free Cash Flow	$1.3B+58.7%	$826.4M+8957.4%	-$9.3M-103.7%	$253.2M-38.0%	$408.2M-23.6%	$534.3M
Investing Cash Flow	-$5.7M+33.6%	-$8.7M-11.7%	-$7.8M-114.6%	-$3.6M-133.1%	$10.9M-74.9%	$43.6M
Financing Cash Flow	-$2.9M-102.8%	$103.8M+5603.5%	$1.8M-61.5%	$4.7M-98.6%	$330.9M+4055.0%	-$8.4M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	$2.2M

Metric	Q4'25	Q4'24	Q2'24	Q4'23	Q4'22	Q4'21	Q4'20	Q4'19
Operating Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Financing Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

TIGR Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	31.8%+13.3pp	18.6%+3.9pp	14.6%+15.7pp	-1.1%-7.1pp	6.0%-9.0pp	14.9%
Return on Equity	19.8%+10.4pp	9.4%+2.6pp	6.8%+7.3pp	-0.5%-3.8pp	3.3%-4.9pp	8.1%
Return on Assets	2.1%+1.1pp	1.0%+0.1pp	0.9%+0.9pp	-0.1%-0.5pp	0.4%-0.4pp	0.9%
Current Ratio	1.12-0.0	1.14-0.1	1.20+0.0	1.18-0.0	1.20+0.1	1.10
Debt-to-Equity	8.50-0.2	8.74+2.1	6.65-0.8	7.48+1.0	6.44-1.9	8.30
FCF Margin	243.4%-6.5pp	249.9%+254.0pp	-4.1%-126.6pp	122.5%-43.4pp	165.9%-250.3pp	416.1%

Metric	Q4'25	Q4'24	Q2'24	Q4'23	Q4'22	Q4'21	Q4'20	Q4'19
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Equity	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Current Ratio	1.12-0.0	1.14-0.0	1.15-0.0	1.20+0.0	1.18-0.0	1.20+0.1	1.10-0.2	1.31
Debt-to-Equity	8.50-0.2	8.74+0.2	8.55+1.9	6.65-0.8	7.48+1.0	6.44-1.9	8.30+5.5	2.80
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

What is Up Fintech Hldg Ltd's annual revenue?

Up Fintech Hldg Ltd (TIGR) reported $538.7M in total revenue for fiscal year 2025. This represents a 62.9% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Up Fintech Hldg Ltd's revenue growing?

Up Fintech Hldg Ltd (TIGR) revenue grew by 62.9% year-over-year, from $330.7M to $538.7M in fiscal year 2025.

Is Up Fintech Hldg Ltd profitable?

Yes, Up Fintech Hldg Ltd (TIGR) reported a net income of $171.5M in fiscal year 2025, with a net profit margin of 31.8%.

What is Up Fintech Hldg Ltd's net profit margin?

Up Fintech Hldg Ltd (TIGR) had a net profit margin of 31.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Up Fintech Hldg Ltd's return on equity (ROE)?

Up Fintech Hldg Ltd (TIGR) has a return on equity of 19.8% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Up Fintech Hldg Ltd's free cash flow?

Up Fintech Hldg Ltd (TIGR) generated $1.3B in free cash flow during fiscal year 2025. This represents a 58.7% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Up Fintech Hldg Ltd's operating cash flow?

Up Fintech Hldg Ltd (TIGR) generated $1.3B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Up Fintech Hldg Ltd's total assets?

Up Fintech Hldg Ltd (TIGR) had $8.2B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Up Fintech Hldg Ltd's capital expenditures?

Up Fintech Hldg Ltd (TIGR) invested $5.5M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How much does Up Fintech Hldg Ltd spend on research and development?

Up Fintech Hldg Ltd (TIGR) invested $100.0M in research and development during fiscal year 2025.

How many shares does Up Fintech Hldg Ltd have outstanding?

Up Fintech Hldg Ltd (TIGR) had 2.75B shares outstanding as of fiscal year 2025.

What is Up Fintech Hldg Ltd's current ratio?

Up Fintech Hldg Ltd (TIGR) had a current ratio of 1.12 as of fiscal year 2025, which is considered adequate.

What is Up Fintech Hldg Ltd's debt-to-equity ratio?

Up Fintech Hldg Ltd (TIGR) had a debt-to-equity ratio of 8.50 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Up Fintech Hldg Ltd's return on assets (ROA)?

Up Fintech Hldg Ltd (TIGR) had a return on assets of 2.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Up Fintech Hldg Ltd's Piotroski F-Score?

Up Fintech Hldg Ltd (TIGR) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Up Fintech Hldg Ltd's earnings high quality?

Up Fintech Hldg Ltd (TIGR) has an earnings quality ratio of 7.68x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Up Fintech Hldg Ltd?

Up Fintech Hldg Ltd (TIGR) scores 43 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.