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TIGR vs XP
Which Stock Would AI Choose? UP Fintech Holding (TIGR) vs. XP Inc. (XP) Stock Comparison
Key Takeaways
- TIGR (UP Fintech Holding) is an Asia-focused online brokerage whose recent quarters show record revenue but rising costs and thinner take rates, while XP (XP Inc.) is a Brazilian investment platform benefiting from strong client asset growth and capital returns.
- TIGR is growing aggressively in Singapore and Hong Kong but faces regulatory constraints on its mainland China business, whereas XP remains heavily exposed to Brazil's interest-rate and credit cycles.
- Relative performance diverged sharply in recent months: XP has delivered strong positive returns, while TIGR has traded near the lower end of its 52-week range.
- TIGR carries a smaller market capitalization and higher sensitivity to single-market shocks; XP is larger, more diversified by product line, and more shareholder-return oriented.
- The two names appeal to different investor profiles: TIGR is a higher-risk cross-border brokerage growth story, while XP is a more established, profitability-focused Latin American platform.
Introduction
Investors evaluating growth-oriented financial platforms often weigh TIGR and XP as two distinct ways to gain exposure to digital brokerage and wealth management. UP Fintech Holding, known as Tiger Brokers, serves cross-border investors across Asia, while XP Inc. is Brazil's leading independent investment platform. Although both generate revenue from trading activity and client assets, their geographic footprints, risk profiles, and recent market positioning differ considerably. This stock comparison is most relevant to investors comparing a high-growth Asian brokerage against a more mature Latin American financial platform, or those seeking to understand how divergent regional conditions can drive relative performance in fintech names.
TIGR Overview and Recent Performance
TIGR, the operating name of UP Fintech Holding, is a Nasdaq-listed online brokerage providing cross-border trading, wealth management, and corporate services. Its core markets include Singapore, Hong Kong, Australia, New Zealand, and the United States. In its most recent reported quarter, the company posted record total revenue of approximately US$182.3 million, up 31.4% year over year, and returned to profitability after a prior-quarter loss tied to a one-time regulatory penalty. Client assets reached about US$60.7 billion, while funded accounts grew to roughly 1.32 million.
Despite these headline gains, sentiment has been mixed. Marketing and compensation costs rose faster than revenue, customer acquisition cost (CAC) climbed, and the cash-equity take rate narrowed as higher-frequency trading migrated toward zero-commission channels. Regulatory restrictions on mainland China users reduced that segment's contribution, and a class-action investigation added legal overhang. In recent weeks, the stock has traded near the lower end of its 52-week range, reflecting caution about margins and execution even as the underlying business expands.
XP Overview and Recent Performance
XP, or XP Inc., is a Brazil-based financial services platform offering brokerage, fixed income, funds, credit, insurance, and investment banking products through a network of advisers and digital channels. In its latest quarterly results, adjusted earnings per share (EPS) beat analyst estimates, while net revenue was broadly in line with forecasts. Total client assets rose roughly 17% year over year, and the company reported solid net new money inflows alongside 8% growth in retail revenue and stronger wholesale-banking performance.
Market positioning has improved notably in recent months. The stock has delivered strong year-to-date and one-year returns, supported by resilient profitability, disciplined cost control, and an expanded shareholder-return program combining buybacks and dividends. Analysts have raised price targets, with at least one major bank upgrading the shares. That said, performance remains sensitive to Brazil's interest-rate environment, fixed-income fee compression, and occasional mark-to-market losses tied to credit spreads, factors that can temper momentum between reporting periods.
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Head-to-Head Comparison
The clearest contrast between the two companies is geographic and strategic. TIGR is a cross-border brokerage concentrated in Asian markets, where it competes on multi-asset trading access and is rapidly expanding product coverage. Its growth drivers include Hong Kong IPO underwriting, options and futures activity, and wealth-management services, but its risk profile is elevated by regulatory exposure and thinner per-trade economics. XP, by contrast, operates a broad Brazilian platform with advisory-led distribution, a larger client asset base, and a more diversified revenue mix that includes banking and credit products.
On momentum, XP has shown greater trend consistency and positive relative performance, while TIGR has struggled to convert strong revenue growth into sustained share-price appreciation. Risk factors also differ: TIGR faces China-related regulatory constraints and litigation overhang, whereas XP is exposed to Brazil's macroeconomic and interest-rate cycle. In terms of sector exposure, both are fintech platforms, but TIGR is more transactional and market-activity driven, while XP blends transactional revenue with recurring advisory and asset-management fees.
Tickeron AI Verdict
Based on observable factors such as trend consistency, stability, catalysts, and relative positioning, Tickeron's AI would likely favor XP at present. The company's steadier positive trend, resilient profitability, growing client assets, and shareholder-return program offer a more consistent profile than TIGR, whose record revenue has been offset by cost pressure, thinner take rates, and regulatory overhang. This assessment is probabilistic rather than definitive: TIGR retains meaningful upside if its Singapore and Hong Kong momentum continues and margins stabilize, while XP could face headwinds if Brazilian interest rates or credit conditions deteriorate. The AI's preference reflects the current balance of trend stability and catalyst visibility rather than a prediction of future returns.
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.
TIGR in upward trend: price may jump up because it broke its lower Bollinger Band on October 16, 2026
TIGR may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options. In 35 of 39 cases where TIGR's price broke its lower Bollinger Band, its price rose further in the following month. The odds of a continued upward trend are 90%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The RSI Indicator points to a transition from a downward trend to an upward trend -- in cases where TIGR's RSI Indicator exited the oversold zone, 26 of 34 resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 76%.
The Stochastic Oscillator shows that the ticker has stayed in the oversold zone for 3 days. The price of this ticker is presumed to bounce back soon, since the longer the ticker stays in the oversold zone, the more promptly an upward trend is expected.
Following a +1.97% 3-day Advance, the price is estimated to grow further. Considering data from situations where TIGR advanced for three days, in 196 of 238 cases, the price rose further within the following month. The odds of a continued upward trend are 82%.
Bearish Trend Analysis
The Momentum Indicator moved below the 0 level on October 16, 2026. You may want to consider selling the stock, shorting the stock, or exploring put options on TIGR as a result. In 73 of 86 cases where the Momentum Indicator fell below 0, the stock fell further within the subsequent month. The odds of a continued downward trend are 85%.
TIGR moved below its 50-day moving average on September 23, 2026 date and that indicates a change from an upward trend to a downward trend.
The 10-day moving average for TIGR crossed bearishly below the 50-day moving average on September 18, 2026. This indicates that the trend has shifted lower and could be considered a sell signal. In 12 of 14 past instances when the 10-day crossed below the 50-day, the stock continued to move higher over the following month. The odds of a continued downward trend are 86%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where TIGR declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 81%.
The Aroon Indicator for TIGR entered a downward trend on October 21, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 59 (best 1 - 100 worst), indicating strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Valuation Rating of 64 (best 1 - 100 worst) indicates that the company is fair valued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (0.839) is normal, around the industry mean (3.638). P/E Ratio (8.118) is within average values for comparable stocks, (8.944). Projected Growth (PEG Ratio) (0.020) is also within normal values, averaging (0.809). Dividend Yield (0.000) settles around the average of (7.191) among similar stocks. P/S Ratio (1.257) is also within normal values, averaging (16.763).
The Tickeron Price Growth Rating for this company is 81 (best 1 - 100 worst), indicating slightly worse than average price growth. TIGR’s price grows at a lower rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron PE Growth Rating for this company is 86 (best 1 - 100 worst), pointing to worse than average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Profit vs. Risk Rating rating for this company is 100 (best 1 - 100 worst), indicating that the returns do not compensate for the risks. TIGR’s unstable profits reported over time resulted in significant Drawdowns within these last five years. A stable profit reduces stock drawdown and volatility. The average Profit vs. Risk Rating rating for the industry is 88, placing this stock worse than average.
Aroon Indicator for XP shows an upward move is likely
XP's Aroon Indicator triggered a bullish signal on October 21, 2026. Tickeron's A.I.dvisor detected that the AroonUp green line is above 70 while the AroonDown red line is below 30. When the up indicator moves above 70 and the down indicator remains below 30, it is a sign that the stock could be setting up for a bullish move. Traders may want to buy the stock or look to buy calls options. A.I.dvisor looked at 201 similar instances where the Aroon Indicator showed a similar pattern. In 152 of the 201 cases, the stock moved higher in the days that followed. This puts the odds of a move higher at 76%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The 50-day moving average for XP moved above the 200-day moving average on September 29, 2026. This could be a long-term bullish signal for the stock as the stock shifts to an upward trend.
Following a +7.22% 3-day Advance, the price is estimated to grow further. Considering data from situations where XP advanced for three days, in 215 of 293 cases, the price rose further within the following month. The odds of a continued upward trend are 73%.
Bearish Trend Analysis
The 10-day RSI Indicator for XP moved out of overbought territory on October 21, 2026. This could be a bearish sign for the stock. Traders may want to consider selling the stock or buying put options. Tickeron's A.I.dvisor looked at 32 similar instances where the indicator moved out of overbought territory. In 21 of the 32 cases, the stock moved lower in the following days. This puts the odds of a move lower at 66%.
The Stochastic Oscillator may be shifting from an upward trend to a downward trend. In 42 of 53 cases where XP's Stochastic Oscillator exited the overbought zone, the price fell further within the following month. The odds of a continued downward trend are 79%.
The Moving Average Convergence Divergence Histogram (MACD) for XP turned negative on October 21, 2026. This could be a sign that the stock is set to turn lower in the coming weeks. Traders may want to sell the stock or buy put options. Tickeron's A.I.dvisor looked at 38 similar instances when the indicator turned negative. In 27 of the 38 cases the stock turned lower in the days that followed. This puts the odds of success at 71%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where XP declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 77%.
XP broke above its upper Bollinger Band on October 05, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
Fundamental Analysis (Ratings)
The Tickeron Price Growth Rating for this company is 34 (best 1 - 100 worst), indicating steady price growth. XP’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron SMR rating for this company is 43 (best 1 - 100 worst), indicating strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Valuation Rating of 84 (best 1 - 100 worst) indicates that the company is slightly overvalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (0.622) is normal, around the industry mean (3.638). P/E Ratio (2.973) is within average values for comparable stocks, (8.944). Projected Growth (PEG Ratio) (0.970) is also within normal values, averaging (0.809). Dividend Yield (0.026) settles around the average of (7.191) among similar stocks. P/S Ratio (6.325) is also within normal values, averaging (16.763).
The Tickeron PE Growth Rating for this company is 95 (best 1 - 100 worst), pointing to worse than average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Profit vs. Risk Rating rating for this company is 100 (best 1 - 100 worst), indicating that the returns do not compensate for the risks. XP’s unstable profits reported over time resulted in significant Drawdowns within these last five years. A stable profit reduces stock drawdown and volatility. The average Profit vs. Risk Rating rating for the industry is 88, placing this stock worse than average.
TIGR | XP | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 6 | 42 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 64 Fair valued | 84 Overvalued | |
PROFIT vs RISK RATING 1..100 | 100 | 100 | |
SMR RATING 1..100 | 59 | 43 | |
PRICE GROWTH RATING 1..100 | 81 | 34 | |
P/E GROWTH RATING 1..100 | 86 | 95 | |
SEASONALITY SCORE 1..100 | n/a | 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 (64) in the Investment Banks Or Brokers industry is in the same range as XP (84) 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 (43) in the null industry is in the same range as TIGR (59) in the Investment Banks Or Brokers industry. This means that XP’s stock grew similarly to TIGR’s over the last 12 months.
XP's Price Growth Rating (34) in the null industry is somewhat better than the same rating for TIGR (81) 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's P/E Growth Rating (86) in the Investment Banks Or Brokers industry is in the same range as XP (95) in the null industry. This means that TIGR’s stock grew similarly to XP’s over the last 12 months.
| TIGR | XP | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 76% | 2 days ago 66% |
| Stochastic ODDS (%) | 2 days ago 76% | 2 days ago 79% |
| Momentum ODDS (%) | 2 days ago 85% | N/A |
| MACD ODDS (%) | N/A | 2 days ago 71% |
| TrendWeek ODDS (%) | 2 days ago 82% | 2 days ago 80% |
| TrendMonth ODDS (%) | 2 days ago 80% | 2 days ago 71% |
| Advances ODDS (%) | 2 days ago 82% | 3 days ago 73% |
| Declines ODDS (%) | 9 days ago 81% | 7 days ago 77% |
| BollingerBands ODDS (%) | 2 days ago 90% | 2 days ago 72% |
| Aroon ODDS (%) | 2 days ago 77% | 2 days ago 76% |
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 overvalued. 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 while XP’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 4 TA indicator(s) are bullish while XP’s TA Score has 3 bullish TA indicator(s).
- TIGR’s TA Score: 4 bullish, 5 bearish.
- XP’s TA Score: 3 bullish, 5 bearish.
Price Growth
TIGR (@Investment Banks/Brokers) experienced а -1.43% price change this week, while XP (@Investment Banks/Brokers) price change was -0.23% for the same time period.
The average weekly price growth across all stocks in the @Investment Banks/Brokers industry was -5.17%. For the same industry, the average monthly price growth was -16.77%, and the average quarterly price growth was -12.77%.
Reported Earning Dates
TIGR is expected to report earnings on Dec 03, 2026.
XP is expected to report earnings on Nov 16, 2026.
Industries' Descriptions
@Investment Banks/Brokers (-5.17% 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.
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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 82% 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% | +0.98% | ||
| FUTU - TIGR | 82% Closely correlated | -0.45% | ||
| IBKR - TIGR | 50% Loosely correlated | +2.92% | ||
| BMNR - TIGR | 44% Loosely correlated | +5.00% | ||
| HOOD - TIGR | 42% Loosely correlated | +3.79% | ||
| SBET - TIGR | 41% Loosely correlated | +6.10% | ||
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