profit from every $100 of sales.
$0$100
UP Fintech Holding Ltd. Sponsored ADR
$4.14+5.61% today
-58.6% in 1 year
1-year low $3.751-year high $11.12
Trading close to its lowest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $4.36 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What UP Fintech Holding Ltd. Sponsored ADR sold, what it kept, and what it did with the cash.
Sales went from $225 million in 2022 to $612 million in 2025, with $171 million of profit last year.
SalesProfit
UP Fintech Holding Ltd. Sponsored ADR handed back 0% of the cash it generated last year.
Buybacks $3M
Free cash flow 2025$1.3B
Bought back its own shares$3M
Paid as dividends–
Cash vs. debt$791M vs. $173M
UP Fintech Holding Ltd. Sponsored ADR vs. similar companies
UP Fintech Holding Ltd. Sponsored ADR grows the fastest of these 5 and is the cheapest for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| UP Fintech Holding Ltd. Sponsored ADR | 4.4× · Cheap | ||
 Raymond James Financial | 15.2× · Fair price | ||
 Tradeweb Markets | 35.0× · Expensive | ||
 Nomura Holdings | 13.3× · Cheap | ||
 LPL Financial Holdings | 26.4× · Fair price |
AI analysis
An AI analyst reads UP Fintech Holding Ltd. Sponsored ADR's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 225 | 273 | 392 | 612 | |
| 108 | 163 | 255 | 424 | |
| 20 | 80 | 139 | 282 | |
| 30 | 102 | 151 | 291 | |
| -2 | 33 | 61 | 171 | |
| -0.02 | 0.21 | 0.36 | 0.93 | |
| 47.9% | 59.7% | 65.0% | 69.3% | |
| 9.1% | 29.3% | 35.6% | 46.0% | |
| -1.0% | 11.9% | 15.5% | 27.9% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 3,797 | 3,746 | 6,391 | 8,227 |
| Cash | 278 | 323 | 394 | 791 |
| Total debt | 168 | 166 | 170 | 173 |
| Total liabilities | 3,350 | 3,251 | 5,729 | 7,356 |
| 447 | 489 | 655 | 866 | |
| 153 | 162 | 169 | 187 | |
| 2.7% | 11.2% | 13.7% | 21.4% | |
| -0.5% | 6.7% | 9.3% | 19.7% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 258 | -7 | 828 | 1,317 | |
| 5 | 3 | 2 | 5 | |
| 253 | -9 | 826 | 1,311 | |
| Dividends paid | – | – | – | – |
| 0 | 0 | 0 | 3 | |
| 14 | 10 | 10 | 16 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 4.4×
- –
- –
- 1.0×
- 1.2×
- 23.0%
- 0.0%
Profitability
- 27.9%
- 2.5%
- 6.2%
- 13.9%
- 1.3%
Growth
- +39.5%
- –
- –
- +4.7%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 40%of 848
Top 15%of 728
Top 4%of 880
Top 11%of 878
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Mar 19, 2026 | 0.26 | 0.21 | +21.0% |
| Dec 4, 2025 | 0.31 | 0.22 | +39.7% |
| Aug 27, 2025 | 0.24 | 0.10 | +140.0% |
| Mar 18, 2025 | 0.17 | 0.06 | +183.3% |
| Nov 12, 2024 | 0.12 | 0.13 | −7.7% |
| Aug 30, 2024 | 0.03 | 0.05 | −40.0% |
| Mar 20, 2024 | 0.01 | 0.07 | −85.7% |
| Nov 27, 2023 | 0.08 | 0.04 | +107.5% |
News
Fake shopping sprees and ‘happiness insurance’: The latest fintech apps reveal our financial anxietiesMarketWatch · Oct 17, 2026PayPal Is Yesterday's News. Is This Fintech Stock the Better Buy?Yahoo Finance · Oct 10, 2026Global AI Visionary and Expert Mo Gawdat to Headline Bahrain Fintech Forward 2026Yahoo Finance · Sep 23, 2026Could Upstart 10x From Here? The AI Fintech Platform Could Be the Most Misunderstood Stock on the MarketYahoo Finance · Sep 13, 2026How to Judge a Fintech Stock Before You Buy ItYahoo Finance · Aug 22, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
4/7Passes 4 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
57No pass
Benjamin Graham
76Pass
Philip Fisher
69Pass
Peter Lynch
100Pass
Joel Greenblatt
60Pass
Charlie Munger
55No pass
Terry Smith
57No pass
Questions about UP Fintech Holding Ltd. Sponsored ADR
Is UP Fintech Holding Ltd. Sponsored ADR a good stock to buy?
A strong, very profitable business, and the price looks low. 4 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the UP Fintech Holding Ltd. Sponsored ADR AI analysis
What does UP Fintech Holding Ltd. Sponsored ADR do?
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 is in Financial - Capital Markets.
Does UP Fintech Holding Ltd. Sponsored ADR pay a dividend?
No. UP Fintech Holding Ltd. Sponsored ADR does not pay a dividend at the moment; in 2025 it returned $3.03 million to shareholders by buying back its own shares.
Is UP Fintech Holding Ltd. Sponsored ADR stock halal?
No. UP Fintech Holding Ltd. Sponsored ADR does not pass our halal screen: its cash and confirmed interest-bearing investments are 106% of its market value, at or above the 33% limit. How we check
How has UP Fintech Holding Ltd. Sponsored ADR stock done over the past year?
Down 58.6% over the past twelve months, to $4.14. It traded between $3.75 and $11.12 and is 62.8% below its high.
Who are UP Fintech Holding Ltd. Sponsored ADR's competitors?
The largest listed companies in the same industry are Raymond James Financial, Tradeweb Markets, Nomura Holdings and LPL Financial Holdings. The peers table on this page compares their profit, growth and price with UP Fintech Holding Ltd. Sponsored ADR's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.