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TIGR vs XP
Which Stock Would AI Choose? UP Fintech Holding Limited (TIGR) vs. XP Inc. (XP) Stock Comparison
Key Takeaways
- TIGR has delivered significantly stronger year-to-date returns of approximately 52% compared to XP’s roughly 2% over the same period.
- TIGR reported robust revenue growth in Q1 2026 but posted a net loss influenced by regulatory penalties, while expanding its user base and authorizing a share repurchase program.
- XP maintains a more stable performance profile with upcoming Q2 2026 earnings and analyst targets suggesting notable upside potential.
- TIGR exhibits higher volatility and momentum tied to retail brokerage activity, whereas XP offers exposure to Brazilian wealth management with steadier asset growth trends.
- Relative performance highlights trade-offs between growth-oriented momentum in TIGR and defensive positioning in XP amid broader market conditions.
Introduction
This comparison examines TIGR and XP, two financial services companies with distinct market focuses. UP Fintech Holding Limited operates a digital brokerage platform serving international retail investors, while XP Inc. provides wealth management and investment services primarily in Brazil. The analysis appeals to traders and investors seeking insights into relative performance, sector dynamics, and positioning within the fintech and capital markets space during recent market activity.
TIGR Overview and Recent Performance
UP Fintech Holding Limited, operating as Tiger Brokers, delivers online brokerage and wealth management services to retail clients across multiple markets. In recent weeks, TIGR shares have traded around the mid-$4 range amid volatility, reflecting broader sentiment shifts in retail trading platforms. Q1 2026 results showed revenue rising 26.3% year-over-year to $154.9 million, supported by user growth to over 1.28 million funded accounts, though a net loss of $26.9 million was recorded partly due to regulatory matters. A $50 million share repurchase authorization underscored management confidence. Year-to-date returns reached approximately 52%, outpacing many peers despite periodic pressure from external factors.
XP Overview and Recent Performance
XP Inc. operates as a leading independent financial services firm in Brazil, offering brokerage, asset management, and advisory services to high-net-worth and retail clients. Recent market activity has seen XP shares hover near $15.80–$16.00, with year-to-date returns near 2% and one-year performance around 7%. The company benefits from steady growth in client assets and maintains analyst coverage pointing to potential upside. Preparations for Q2 2026 earnings, expected shortly, have influenced positioning, alongside prior dividend declarations and buyback initiatives. Overall, XP has displayed more measured price behavior relative to broader equity benchmarks in the recent period.
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Head-to-Head Comparison
TIGR and XP operate in overlapping yet differentiated segments of financial services. TIGR emphasizes global retail brokerage with exposure to trading volume cycles, driving higher recent momentum but also greater sensitivity to regulatory and sentiment shifts. In contrast, XP focuses on Brazilian wealth management, benefiting from asset accumulation trends and offering relatively lower volatility. Growth drivers for TIGR include platform expansion and user acquisition, while XP leverages established market share and recurring revenue streams. Risk factors differ markedly: TIGR contends with cross-border regulatory considerations, whereas XP faces regional economic influences. Market sentiment has favored TIGR’s relative outperformance in recent activity, though XP presents a more defensive profile with analyst-supported upside potential.
Tickeron AI Verdict
Based on observable factors including stronger recent trend consistency and relative returns, Tickeron’s AI would currently assign a higher probabilistic preference to TIGR over XP. TIGR’s positioning reflects greater momentum alignment amid user growth catalysts, though stability considerations and sector-specific risks warrant balanced evaluation. This assessment draws from performance differentials and market context without implying certainty.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is TIGR is a Hold and XP is a Hold.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
TIGR’s FA Score shows that 0 FA rating(s) are green whileXP’s FA Score has 0 green FA rating(s).
- TIGR’s FA Score: 0 green, 5 red.
- XP’s FA Score: 0 green, 5 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
TIGR’s TA Score shows that 6 TA indicator(s) are bullish while XP’s TA Score has 8 bullish TA indicator(s).
- TIGR’s TA Score: 6 bullish, 4 bearish.
- XP’s TA Score: 8 bullish, 2 bearish.
Price Growth
TIGR (@Investment Banks/Brokers) experienced а +15.87% price change this week, while XP (@Investment Banks/Brokers) price change was +6.26% for the same time period.
The average weekly price growth across all stocks in the @Investment Banks/Brokers industry was +9.67%. For the same industry, the average monthly price growth was +9.15%, and the average quarterly price growth was -1.21%.
Reported Earning Dates
TIGR is expected to report earnings on Aug 27, 2026.
XP is expected to report earnings on Nov 24, 2026.
Industries' Descriptions
@Investment Banks/Brokers (+9.67% weekly)These banks specialize in underwriting (helping companies with debt financing or equity issuances), IPOs, facilitating mergers and other corporate reorganizations and acting as a broker or financial advisor for institutions. They might also trade securities on their own accounts. Investment banks potentially thrive on expanding its network of clients, since that could help them increase profits. Goldman Sachs, Morgan Stanley and CME Group Inc are some of the largest investment banking companies.
| TIGR | XP | TIGR / XP | |
| Capitalization | 952M | 8.53B | 11% |
| EBITDA | 239M | 6.08B | 4% |
| Gain YTD | -44.247 | 4.018 | -1,101% |
| P/E Ratio | 8.66 | 8.59 | 101% |
| Revenue | 644M | 8.25B | 8% |
| Total Cash | 801M | N/A | - |
| Total Debt | 66.2M | N/A | - |
TIGR | XP | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 50 | 50 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 70 Overvalued | 82 Overvalued | |
PROFIT vs RISK RATING 1..100 | 100 | 100 | |
SMR RATING 1..100 | 58 | 40 | |
PRICE GROWTH RATING 1..100 | 60 | 61 | |
P/E GROWTH RATING 1..100 | 98 | 61 | |
SEASONALITY SCORE 1..100 | 75 | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
TIGR's Valuation (70) in the Investment Banks Or Brokers industry is in the same range as XP (82) in the null industry. This means that TIGR’s stock grew similarly to XP’s over the last 12 months.
TIGR's Profit vs Risk Rating (100) in the Investment Banks Or Brokers industry is in the same range as XP (100) in the null industry. This means that TIGR’s stock grew similarly to XP’s over the last 12 months.
XP's SMR Rating (40) in the null industry is in the same range as TIGR (58) in the Investment Banks Or Brokers industry. This means that XP’s stock grew similarly to TIGR’s over the last 12 months.
TIGR's Price Growth Rating (60) in the Investment Banks Or Brokers industry is in the same range as XP (61) in the null industry. This means that TIGR’s stock grew similarly to XP’s over the last 12 months.
XP's P/E Growth Rating (61) in the null industry is somewhat better than the same rating for TIGR (98) in the Investment Banks Or Brokers industry. This means that XP’s stock grew somewhat faster than TIGR’s over the last 12 months.
| TIGR | XP | |
|---|---|---|
| RSI ODDS (%) | 3 days ago 90% | 3 days ago 74% |
| Stochastic ODDS (%) | 3 days ago 85% | 3 days ago 71% |
| Momentum ODDS (%) | 3 days ago 79% | 3 days ago 73% |
| MACD ODDS (%) | 3 days ago 74% | 3 days ago 74% |
| TrendWeek ODDS (%) | 3 days ago 82% | 3 days ago 71% |
| TrendMonth ODDS (%) | 3 days ago 77% | 3 days ago 79% |
| Advances ODDS (%) | 3 days ago 82% | 5 days ago 73% |
| Declines ODDS (%) | 12 days ago 82% | 12 days ago 79% |
| BollingerBands ODDS (%) | 3 days ago 78% | 3 days ago 71% |
| Aroon ODDS (%) | 3 days ago 81% | 3 days ago 79% |
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TIGR and
Correlation & Price change
A.I.dvisor indicates that over the last year, TIGR has been closely correlated with FUTU. These tickers have moved in lockstep 81% of the time. This A.I.-generated data suggests there is a high statistical probability that if TIGR jumps, then FUTU could also see price increases.
| Ticker / NAME | Correlation To TIGR | 1D Price Change % | ||
|---|---|---|---|---|
| TIGR | 100% | +5.13% | ||
| FUTU - TIGR | 81% Closely correlated | +9.68% | ||
| IBKR - TIGR | 46% Loosely correlated | +4.47% | ||
| BMNR - TIGR | 44% Loosely correlated | +5.84% | ||
| SBET - TIGR | 43% Loosely correlated | +4.22% | ||
| XP - TIGR | 40% Loosely correlated | +5.13% | ||
More | ||||
XP and
Correlation & Price change
A.I.dvisor indicates that over the last year, XP has been loosely correlated with IBKR. These tickers have moved in lockstep 43% of the time. This A.I.-generated data suggests there is some statistical probability that if XP jumps, then IBKR could also see price increases.