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UP Fintech Holding Ltd representing fifteen (Class A) (TIGR) — RQD Stock Rating Cockpit

$4.07 -0.97% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $4.06

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 $727.3M

📤 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 2026-11-02, 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 $4.07 (-0.97% 1D, market cap $727.3M). 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 #786 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 CSHR 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 (51/100 RQD, P/E N/A, ROIC —, cap $851.6M) and CSHR (CoinShares PLC) posts a D grade (44/100 RQD, P/E N/A, ROIC —, cap $566.7M). 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: $4.06 (-0.36%)🧬 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-$4.43-8.4% Next Q

Q2 (-2Q)

Grade C-$4.06+0.7% Next Q

Q3 (-1Q)

Grade D$4.09-0.5% Next Q

Current

Grade D$4.07-6.1% 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 ($4.58) and Max Pain ($4.27) 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 →

RSI-14 MOMENTUMNEUTRAL RANGE

42.530 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREWEAK QUALITY (1–4)

4 / 99-Pt Accounting

52-WEEK LASER RANGE4% OF RANGE

L: $4$4.07H: $11

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: B-RQD 14 / 20

2. Big Money & Insiders● TRIMMING

Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: ERQD 12 / 40

3. Hidden Risks & Market Weather● WARNING

SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: DRQD 20 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on TIGR

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BULLISH (70)

14.0% ROIC with 42.0% gross margin and 2.80% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 4/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BEARISH (32)

12/40 institutional & smart-money positioning score with 7/20 macro alignment.

Bull Case: Why Buyers Like TIGR

✓Established market leader in Financials with deep daily trading liquidity.

Bear Case: What Could Go Wrong

!Company executives have done more routine share selling than personal cash buying lately.
!Sensitive to high interest rates and tighter Federal Reserve market liquidity.

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: -39.34%⚡ TESTING RESISTANCE

2026-11-02O $4.11H $4.11L $4.07C $4.07VOL 1.26M

RES: $4.09SUP: $3.91SMA50: $4.58SMA200: $5.82

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 #786 of 1096 ⚔️ NAVI vs TIGR Full Matrix →

1. Head-to-Head Financials Peer Comparison (TIGR vs. NAVI, CSHR, OPY, 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 #786 by composite RQD confidence (46/100, grade D) and #617 by equity capitalization ($727.3M). 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 69/100 (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	—	—	—	-0.97%	$727.3M	Benchmark Subject
NAVI Navient Holdings Inc.	D	51/100	—	—	—	+11.55%	$851.6M	/navi-vs-tigr →
CSHR CoinShares PLC	D	44/100	—	—	—	+1.42%	$566.7M	/cshr-vs-tigr →
OPY Oppenheimer Holdings Inc. (Class A)	C+	69/100	7.8x	—	17.6%	+0.99%	$1.16B	/opy-vs-tigr →
ETB Eaton Vance Tax-Managed Buy-Write Income Fund Eaton Vance Tax-Managed Buy-Write Income Fund of	D	46/100	—	—	—	+0.39%	$448.8M	/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 CSHR 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 $4.07 (-0.97% on volume of 1,263,904 shares), positioning the stock -11.14% below its 50-day simple moving average ($4.58) and -30.07% below its 200-day simple moving average ($5.82). Across its 52-week range of $3.76 to $11.35, TIGR sits at the 4.1% percentile with a 14-day RSI of 42.5 (NEUTRAL RANGE) and an implied next-earnings move of ±7.2% ($3.78 to $4.36).

TIGR Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell TIGR stock right now?

UP Fintech Holding Ltd representing fifteen (Class A) (TIGR) currently earns a Roarable Rating of D (Sell — SELL) with 46/100 RQD Confidence. Stretched risk/reward at current multiples (steady margins) under elevated 10-year interest-rate pressure.

What is TIGR's 12-month price target and RQD AI Jury consensus?

TIGR's 12-month base price target is $3.85 (range $3 to $11.92), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

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