NASDAQ$TIGR

UP Fintech Holding Limited · Q1 2025 earnings

Q1 2025 earnings · · Before market open · Investor relations

Briefing

UP Fintech (Tiger Brokers) Q1 2025: $122.6M revenue (+55%), $30.4M net income as funded accounts reach 1.15M

UP Fintech Holding (Tiger Brokers) reported Q1 2025 total revenues of $122.6 million, up 55.3% year-over-year, with total net revenues of $107.6 million (+67.7% YoY). Net income attributable to ordinary shareholders was $30.4 million ($0.166 diluted EPS per ADS) compared with $12.3 million ($0.077) in Q1 2024; non-GAAP net income was $36.0 million ($0.198 per ADS). The company added 60,900 new customers with deposits in Q1—40% of its full-year guidance of 150,000—bringing funded accounts to 1,152,900 (+23.5% YoY). Total account balance rose 39.5% YoY to a record $45.9 billion on $3.4 billion of net asset inflow and $776 million mark-to-market gains. Commissions surged 109.8% to $58.3 million on higher trading volume of $217.5 billion.

  • Total revenues grew 55.3% to $122.6M; net income was $30.4M ($0.166/ADS diluted) vs $12.3M a year ago
  • Non-GAAP net income reached $36.0M ($0.198/ADS); added 60,900 new funded customers in Q1
  • Total account balance hit a record $45.9B (+39.5% YoY) on $3.4B net asset inflow
  • Commissions rose 109.8% to $58.3M; trading volume was $217.5B; margin balance up 89.4% to $5.2B
  • Underwrote 4 Hong Kong IPOs in Q1 and added 20 ESOP clients, bringing ESOP total to 633

Headline financials

Total Revenue

$123M

Previous: $78.9M+55.3%
EPS (adj)

$0.20

Previous: $0.09+115.2%
Trading volume

$217B

No prior period
Total account balance

$45.9B

No prior period
Customers with deposits

1.2M

No prior period
Margin financing and securities lending balance

$5.2B

No prior period
Net Income

$30.4M

Previous: $12.3M+146.7%
Operating Income

$40.5M

No prior period
Cash & Equivalents

$406M

No prior period

Revenue & EPS history

UP Fintech · Revenue · Quarterly

$123M

Q1 2025+55.3%vs Q1 2024
Beat estimate in 11 of 13 quarters(85%)
ActualEstimate

Revenue by segment

UP Fintech · $123M total across 4 segments · Q1 2025

  • Commissions
    $58.3M
  • Interest income
    $53.8M
  • Other revenues
    $7.94M
  • Financing service fees
    $2.56M

Forward guidance

Q1 added 60,900 new funded customers, achieving 40% of the company's 2025 guidance target of 150,000 new customers with deposits for the full year.

Tailwinds

  • Record $45.9B account balance with strong retail-driven net inflows
  • Hong Kong new funded client average net inflows above $30,000 in Q1

Headwinds

  • Total revenues declined 1.2% quarter-over-quarter despite strong YoY growth

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2025

Historical avgQ1 2025

+0.1%

Avg return

Earnings day

+2.0%

Avg return

5 days after

+1.8%

Avg return

30 days after

45%

13 / 29 earnings

Positive

+35.9%

Q4 2021

Best reaction

-25.9%

Q1 2022

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q4 2025-1.2%-5.1%+3.5%
Q3 2025+3.8%+7.5%+20.6%
Q2 2025-9.7%-2.5%-20.7%
Q1 2025-3.7%-0.2%+11.7%
Q4 2024+21.6%+11.2%-16.8%
Q3 2024-13.4%-13.2%+6.5%
Q2 2024-6.2%-7.2%+17.7%
Q1 2024+10.9%+17.3%+13.3%
Q4 2023-14.8%-21.7%-29.5%
Q3 2023-7.6%-7.8%-15.2%
Q2 2023+27.7%+44.3%+41.8%
Q1 2023+17.0%+20.1%+11.6%
Q4 2022+8.7%+10.7%-2.7%
Q3 2022-0.7%+3.1%+9.1%
Q2 2022+1.7%+6.7%-7.3%
Q1 2022-25.9%-18.8%-8.8%
Q4 2021+35.9%+53.9%+14.6%
Q3 2021-9.7%-8.2%-18.6%
Q2 2021+3.1%+1.7%-20.0%
Q1 2021+29.6%+33.0%+56.7%
Q4 2020-13.0%+8.3%+27.4%
Q3 2020-10.2%-14.5%-2.3%
Q2 2020-13.7%-15.7%-30.6%
Q1 2020-9.0%-6.6%+15.8%
Q4 2018+1.2%-7.1%+15.4%
Q4 2019+6.8%+0.8%+8.7%
Q3 2019+1.9%-2.7%-3.0%
Q2 2019-10.0%-12.7%-6.6%
Q1 2019-19.3%-17.5%-41.1%
Q3 2018
Q2 2018
Q1 2018
Q4 2017
Q2 2016

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