Stock Ratings / Financials / TIGR / forecast

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UP Fintech Holding Ltd representing fifteen (Class A) (TIGR) 12-Month Stock Forecast & Price Target Cone

$3.87 -4.91% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $3.83

UP Fintech Holding Ltd representing fifteen (Class A) (TIGR) carries a Roarable Rating of D (Sell) with 46/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record Warning: Scores below 50 (46/100 · D) historically underperformed SPY in 71% of rolling 90-day windows →

ROARABLE D • SELL / AVOID Cap $691.6M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on TIGR Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is TIGR stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, UP Fintech Holding Ltd representing fifteen (Class A) (NASDAQ: TIGR) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 46/100 at a spot price of $3.87 (-4.91% 1D, market cap $691.6M). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 3/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 7/20, and SEC Balance-Sheet Forensics 9/20. Across 1096 tracked Financials issuers, TIGR ranks #755 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does TIGR compare to NAVI and OPY in the Financials sector?

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Within the Financials sector (Investment Bankers/Brokers/Service), TIGR carries a Roarable D (46/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, NAVI (Navient Holdings Inc.) holds a D+ grade (55/100 RQD, P/E N/A, ROIC —, cap $872.2M) and OPY (Oppenheimer Holdings Inc. (Class A)) posts a C- grade (59/100 RQD, P/E 7.8x, ROIC 17.6%, cap $923.0M). Among the 5-stock peer group, OPY leads on earnings multiple (7.8x) while OPY leads on capital efficiency (17.6% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for TIGR?

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Per TIGR's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001756699), UP Fintech Holding Ltd representing fifteen (Class A) generated $612.1M in revenue (+56.3% YoY), $0 in net income, and $1.32B in free cash flow against $8.23B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $3.83 (-1.07%)🧬 Disciplined Float (-0.40% YoY Shares)⚙️ Cash Engine: 14/20 (B-) • 215.1% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record Warning: Scores below 50 (46/100 · D) historically underperformed SPY in 71% of rolling 90-day windows (-6.1% avg 90D alpha vs SPY • 29.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D- · Rk D

Each axis scored 0–20

12M PRICE TARGET CONE-5.4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for TIGR)Realized 20D OHLCV Swing Band: ±7.2%

Deterministic 5-Pillar Attribution (46/100 Composite)

🔍 WHY TIGR SCORES 46/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Cash Engine Quality+14/20 pts (30% of score)

SEC XBRL FY 2025 (10-K): 215.1% FCF Margin ($1.32B FCF) & 52% Gross Margin

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (28% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning4/20 pts (-16 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-16 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C-$4.34-5.5% Next Q

Q2 (-2Q)

Grade C-$4.10+1.5% Next Q

Q3 (-1Q)

Grade D$4.16-7% Next Q

Current

Grade D$3.87-6.1% Hist 90D α

Trajectory: C- (54) → D (46)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a TIGR Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While TIGR currently carries a cautious 46/100 (D) rating due to Whale & Options Positioning (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($4.55) and Max Pain ($4.06) forces dealer call-delta covering toward $11.92.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Disciplined Float (-0.40% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $TIGR• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “TIGR Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 46%NO 54%Trade / Inspect Odds →

INTERACTIVE 12-MONTH POSITION SIMULATOR

Drag to Test Your TIGR Position Size: $10,000

Shares at $3.87: 2584.0 sh

$1,000$10,000$25,000$50,000$100,000

12M Bear Case FloorTarget $2.85

$7,364

$-2,636 (-26.4%)

12M Consensus BaseTarget $3.66

$9,457

$-543 (-5.4%)

12M Bull Case BreakoutTarget $11.92

$30,801

+$20,801 (+208.0%)

Wall Street Analyst Breakdown & Historical Accuracy Audit (35 Desks)

Street Historical Accuracy: 64/100

● Strong Buy / Buy: 17● Hold: 9● Sell: 9

Wall Street Firm	Stance	12M Target	1Y Accuracy	Track Grade
Morgan StanleyInstitutional Equity Desk	HOLD	$4	74%	A
Goldman SachsSector Coverage Lead	UNDERPERFORM	$11	69%	B
JP MorganUS Large-Cap Research	SELL	$3	58%	C

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring TIGR)

✓Walkthrough of TIGR's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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TIGR // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -42.32%🛡️ HOLDING TREND SUPPORT

2026-11-03O $4.07H $4.07L $3.87C $3.87VOL 2.71M

RES: $4.59SUP: $3.73SMA50: $4.55SMA200: $5.79

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

TIGR Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 TIGR Butterfly Map → + Track TIGR →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. +56.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on TIGR today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for TIGR. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for TIGR today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (TIGR)

Financials Rank #755 of 1096 ⚔️ NAVI vs TIGR Full Matrix →

1. Head-to-Head Financials Peer Comparison (TIGR vs. NAVI, OPY, CSHR, ETB)

Industry: Investment Bankers/Brokers/Service (64 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, UP Fintech Holding Ltd representing fifteen (Class A) (TIGR) ranks #755 by composite RQD confidence (46/100, grade D) and #625 by equity capitalization ($691.6M). Within this direct 5-issuer industry benchmark cohort, OPY leads on earnings valuation at 7.8x trailing P/E, while OPY leads on capital efficiency and profitability with 17.6% ROIC and — gross margin. OPY currently holds the highest overall quantitative score in the immediate peer group at 59/100 (C-) compared with TIGR at 46/100 (D).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
TIGR ACTIVE UP Fintech Holding Ltd representing fifteen (Class A)	D	46/100	—	—	—	-4.91%	$691.6M	Benchmark Subject
NAVI Navient Holdings Inc.	D+	55/100	—	—	—	+2.42%	$872.2M	/navi-vs-tigr →
OPY Oppenheimer Holdings Inc. (Class A)	C-	59/100	7.8x	—	17.6%	-20.14%	$923.0M	/opy-vs-tigr →
CSHR CoinShares PLC	D-	42/100	—	—	—	-12.56%	$495.5M	/cshr-vs-tigr →
ETB Eaton Vance Tax-Managed Buy-Write Income Fund Eaton Vance Tax-Managed Buy-Write Income Fund of	D-	43/100	—	—	—	-1.24%	$443.2M	/etb-vs-tigr →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001756699

In its most recent audited fiscal period (FY2025, filed 2025-12-31), UP Fintech Holding Ltd representing fifteen (Class A) (TIGR) reported GAAP revenue of $612.1M (+56.3% vs. FY2024 revenue of $391.5M , and +124.6% cumulative change since FY2023) , GAAP net income of $0, operating cash flow of $1.32B, and free cash flow of $1.32B (+59.0% YoY). On the balance sheet, TIGR closed FY2025 with $8.23B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$612.1M	$0	$1.32B	$1.32B	$8.23B	—
FY2024 (FY)	2024-12-31	$391.5M	$0	$828.0M	$828.0M	$6.39B	—
FY2023 (FY)	2023-12-31	$272.5M	$0	-$6.6M	-$6.6M	—	—

3. TIGR Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is TIGR stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does TIGR compare to NAVI and OPY in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for TIGR?

Where is TIGR trading relative to its 50-day, 200-day, and 52-week technical levels?

TIGR last traded at $3.87 (-4.91% on volume of 2,713,475 shares), positioning the stock -14.95% below its 50-day simple moving average ($4.55) and -33.16% below its 200-day simple moving average ($5.79). Across its 52-week range of $3.76 to $11.35, TIGR sits at the 1.4% percentile with a 14-day RSI of 36.8 (NEUTRAL RANGE) and an implied next-earnings move of ±7.2% ($3.59 to $4.15).

TIGR Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is TIGR's 12-month stock price target?

UP Fintech Holding Ltd representing fifteen (Class A) (TIGR) carries a 12-month consensus base price target of $3.66 (-5.4% from $3.87), with a bull-case target of $11.92 and a bear-case floor of $2.85.

Is TIGR stock a Buy, Hold, or Sell right now?

Roarable's 5-Pillar RQD Quant Engine rates TIGR D (Sell — SELL) with an RQD Confidence score of 46/100.

Direct Sub-Reports: TIGR RQD Cockpit TIGR 12M Forecast TIGR Earnings & Move TIGR Dividends & DRIP TIGR Insiders & 13F TIGR Whale Options TIGR Profit Sankey TIGR News & Why

ROARABLE RATING BRIEF • RQD 46/100 (D) ✓ STAGE-C NUMBER FIREWALL VERIFIED

TIGR — UP Fintech Holding Ltd representing fifteen (Class A): What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:33:30Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, TIGR scores 46 out of 100, a letter grade of D, with the verdict "Roarable Sell — Underperform / Distribution Warning." The five pillars are: Fundamental Cash Engine at 14 of 20 (ROIC 0%; FCF yield 0%); Whale 13F Flow at 3 of 20 (institutional accumulation and options positioning); Insider Conviction at 9 of 20 (SEC Form 4 and Congressional PTR cluster flow); Macro Regime Fit at 7 of 20 (Beta 1.0; sector sensitivity); and Forensic Balance Sheet at 13 of 20 (Altman Z 2.5; Piotroski F 4/9; Debt/Equity 0.5).

For a prospective investor, the weakest pillar is institutional and smart-money flow (3 of 20), which the rating frames as a distribution signal rather than accumulation. The cash-engine pillar also carries a 0% ROIC and 0% FCF yield in the rating inputs, so the scored fundamentals do not show a return on capital the rating can credit. The forensic pillar is the relative strength of the set: the Altman Z of 2.5 and Debt/Equity of 0.5 are cited as balance-sheet support, while the Piotroski F of 4 of 9 is a mid-range reading. Upside drivers in this framework would have to come from a change in flow or earnings quality, since the rating assigns no credit for valuation multiples that are not in the source data. The valuation tradeoff is that the stock trades at $4.07 against a 52-week range of $3.76 to $11.35, meaning it sits near the bottom of its recent band, but the source data does not establish whether that reflects value or continued deterioration.

Financial Trend

Period	Revenue	Operating Income	Net Income	EPS	FCF	Cash	Debt
FY 2025	$612.1M	$0.0M	$0.0M	N/A	$1316.7M	$791.0M	N/A
FY 2024	$391.5M	$0.0M	$0.0M	N/A	$828.0M	$393.6M	N/A
FY 2023	$272.5M	$0.0M	$0.0M	N/A	$-6.6M	N/A	N/A

Per the SEC financials, reported revenue rose from $272.5M in FY 2023 to $612.1M in FY 2025, while net income and operating income are reported as $0.0M in each period. Per the Roarable RQD rating, margins are reported as 0% for gross, operating, and net, and ROIC is 0%. The Altman Z-Score is 2.5 and the Piotroski F-Score is 4 of 9, per the forensic balance sheet pillar, with Debt/Equity at 0.5. Cash is reported at $791.0M for FY 2025, and debt is reported as N/A in the SEC financials.

Butterfly Effect: 2nd-Order Supply-Chain & Sector Ripples

Per the Butterfly Supply-Chain Graph, the supply chain is listed as NONE, with no butterfly links and no proprietary signals. Not available in source data for upstream or downstream dependencies, sector correlations, or second-order bottlenecks. The only sector context available is the classification as Financials and Investment Bankers/Brokers/Service.

Open Questions

What drives the reported revenue growth from $272.5M to $612.1M while net income and operating income remain at $0.0M, and how is that reconciled?
Why are EPS, debt, and several cash figures reported as N/A or unavailable, and would fuller disclosure change the forensic balance sheet assessment?
What is the company's specific business mix, and which customers and products generate the reported revenue?
What institutional and insider trades underlie the 3 of 20 whale flow and 9 of 20 insider conviction scores, and over what period?
What valuation multiples would apply at the current $4.07 price, given that P/E and EV/EBITDA are unavailable?

TIGR Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for UP Fintech Holding Ltd representing fifteen (Class A) (TIGR) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to TIGR Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo • 1d ago

Tiger Brokers Singapore Brings Extended-Hours US Options Trading to Singapore Investors

Tiger Brokers (Singapore) Pte Ltd ("Tiger Brokers Singapore"), an online brokerage licensed by the Monetary Authority of Singapore (MAS), will offer extended-hours US options trading on its Tiger Trade platform from 9 No

Read Full Source ↗

🟡 MARKET WIRE Yahoo • 1d ago

Tiger Brokers Brings Extended-Hours* US Options Trading to Australian Investors

Tiger Brokers (Nasdaq: TIGR), a leading online brokerage firm with a presence in Australia, has announced the launch of extended-hours US stock options trading on its flagship Tiger Trade platform across Tiger Brokers' l

Read Full Source ↗

🟡 MARKET WIRE Yahoo • 1d ago

Tiger Brokers Brings Extended-Hours* US Options Trading to Investors Worldwide

Tiger Brokers (Nasdaq: TIGR), a leading online brokerage firm focusing on global investors, today announced the launch of extended-hours US stock options trading on its flagship Tiger Trade platform across Tiger Brokers'

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🟢 CATALYST Yahoo • 10d ago

Mastercard Stock And China Market Access Why Financial Shares Are Back On Watch

China just opened another door to Wall Street, and Citi walked straight through it with approval for a wholly owned securities company onshore. That kind of access to Chinese capital markets can reshuffle where future fe

Read Full Source ↗

🟢 CATALYST SeekingAlpha • 14d ago

UP Fintech: Regulatory Risk And Likely 3Q26 Weakness Leads To A Sell Rating

UP Fintech gets a SELL rating as regulatory risks and rising expansion costs pressure margins despite growth. Click for more on TIGR stock.

Read Full Source ↗

🟢 CATALYST Yahoo • 14d ago

Should Value Investors Buy UP Fintech Holding Limited (TIGR) Stock?

Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and

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🟡 MARKET WIRE Yahoo • 20d ago

3 Financial Stocks Riding Fixed Income Trading Demand In US Markets

Long term US Treasury yields are grinding higher, and that ripple effect is reshaping how fixed-income desks trade, price risk, and win underwriting mandates. When the bond market rewrites the rulebook, some financial st

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🟡 MARKET WIRE Yahoo • 9h ago

What The Bulls Got Wrong Before UP Fintech Fell 65%

If you had looked at UP Fintech in late October 2025 and decided to stay away because the regulatory debate felt too hard to handicap, that choice has been painful to revisit. Investors who held UP Fintech over the past

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🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

TIGR Bull vs. Bear Conversation Board — What's Your Call at $3.87?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON TIGR 🐻 50% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $4.40 (+8.1%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is TIGR (D • RQD 46/100) a Buy at $4.07?

Welcome to the TIGR (UP Fintech Holding Ltd representing fifteen (Class A)) Roar Pit. Current RQD Composite is 46/100 (Roarable Sell — Underperform / Distribution Warning) in Investment Bankers/Brokers/Service. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

VA ValDiscipline Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $3.42 (-16.0%)

Spot @ $4.07

Pump the brakes on TIGR — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on TIGR, but look at what you are paying: current EV/EBITDA multiples with tightening sector spreads. Unless UP Fintech Holding Ltd representing fifteen (Class A) expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

MI MidwestValue Verified K Arena Trader 🐂 BULLISH 🎯 Target: $4.84 (+18.9%)

Spot @ $4.07

TIGR cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on TIGR, the market is fixating on short-term headline noise in Investment Bankers/Brokers/Service and ignoring the balance sheet and cash flow trajectory. At $4.07 (52-wk range $3.76 - $11.35), any beat on forward guidance forces shorts and underweight funds to chase.