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TIGR vs TRUP

TIGR
UP Fintech Holding Limited
BULLISH
Price
$7.11
Market Cap
$1.27B
Sector
Financial Services
AI Confidence
85%
TRUP
Trupanion, Inc.
NEUTRAL
Price
$28.88
Market Cap
$1.25B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
TIGR
7.65
TRUP
64.18
Forward P/E
TIGR
6.17
TRUP
6.8
P/B Ratio
TIGR
1.46
TRUP
3.26
P/S Ratio
TIGR
2.36
TRUP
0.87
EV/EBITDA
TIGR
--
TRUP
32.45

Profitability

Gross Margin
TIGR
87.56%
TRUP
22.57%
Operating Margin
TIGR
34.3%
TRUP
2.19%
Profit Margin
TIGR
31.72%
TRUP
1.35%
ROE
TIGR
22.38%
TRUP
5.5%
ROA
TIGR
2.35%
TRUP
1.11%

Growth

Revenue Growth
TIGR
45.8%
TRUP
11.7%
Earnings Growth
TIGR
56.8%
TRUP
235.1%

Financial Health

Debt/Equity
TIGR
0.2
TRUP
0.33
Current Ratio
TIGR
1.1
TRUP
1.67
Quick Ratio
TIGR
1.1
TRUP
1.64

Dividends

Dividend Yield
TIGR
--
TRUP
--
Payout Ratio
TIGR
0.0%
TRUP
0.0%

AI Verdict

TIGR BULLISH

TIGR presents a classic deep-value opportunity with a Piotroski F-Score of 5/9 indicating stable financial health. The stock is significantly undervalued, trading at $7.11, well below both its Graham Number ($10.09) and its growth-based intrinsic value ($27.44). Exceptional growth metrics (45.8% YoY revenue growth) and strong profitability (31.72% profit margin) are currently decoupled from the bearish technical trend. While the market sentiment is negative, the fundamental data suggests a strong recovery potential.

Strengths
Extreme valuation discount (P/E of 7.65 vs sector avg 42.26)
Robust top-line growth (45.8% YoY Revenue growth)
High profitability with 87.56% gross margins and 22.38% ROE
Risks
Severe bearish technical trend (0/100 score)
Tight liquidity indicated by a Current Ratio of 1.10
High historical earnings volatility with significant past misses
TRUP NEUTRAL

TRUP exhibits strong operational health with a Piotroski F-Score of 8/9 and low leverage, yet it remains fundamentally overvalued relative to its Graham Number ($9.46) and Intrinsic Value ($13.28). While the Forward P/E of 6.80 suggests a significant expected earnings inflection, the historical track record is marred by frequent earnings misses and a long-term bearish price trend. Insider sentiment is bearish with consistent selling by executives. The stock is currently a battle between strong balance sheet health and poor valuation/execution metrics.

Strengths
Strong Piotroski F-Score (8/9) indicating high operational health
Low Debt/Equity ratio (0.33) suggesting minimal insolvency risk
Attractive Price/Sales ratio (0.87) relative to sector
Risks
Significant premium to Intrinsic Value ($28.88 vs $13.28)
Poor earnings track record with only 1 beat in the last 4 quarters
Bearish insider activity with multiple executive sales and zero buys

Compare Another Pair

TIGR vs TRUP: Head-to-Head Comparison

This page compares UP Fintech Holding Limited (TIGR) and Trupanion, Inc. (TRUP) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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