Reviewing SBI (OTCMKTS:SBHGF) & UP Fintech (NASDAQ:TIGR)

SBI (OTCMKTS:SBHGF) and UP Fintech (NASDAQ:TIGR) are both finance companies, but which is the better stock? We will compare the two companies based on the strength of their risk, institutional ownership, analyst recommendations, earnings, dividends, valuation and profitability.

Insider & Institutional Ownership

9.0% of UP Fintech shares are owned by institutional investors. 50.9% of UP Fintech shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Profitability

This table compares SBI and UP Fintech’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
SBI	11.23%	8.76%	0.54%
UP Fintech	18.11%	13.19%	1.27%

Valuation & Earnings

This table compares SBI and UP Fintech”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
SBI	$9.48 billion	1.27	$1.07 billion	$3.37	11.79
UP Fintech	$435.20 million	4.49	$60.73 million	$0.45	23.51

SBI has higher revenue and earnings than UP Fintech. SBI is trading at a lower price-to-earnings ratio than UP Fintech, indicating that it is currently the more affordable of the two stocks.

Risk and Volatility

SBI has a beta of 0.74, suggesting that its share price is 26% less volatile than the S&P 500. Comparatively, UP Fintech has a beta of 0.67, suggesting that its share price is 33% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of recent ratings and recommmendations for SBI and UP Fintech, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
SBI	0	0	0	1	4.00
UP Fintech	0	1	3	0	2.75

UP Fintech has a consensus price target of $8.83, suggesting a potential downside of 16.57%. Given UP Fintech’s higher probable upside, analysts clearly believe UP Fintech is more favorable than SBI.

Summary

UP Fintech beats SBI on 9 of the 15 factors compared between the two stocks.

About SBI

SBI Holdings, Inc. engages in the online securities and investment businesses. It operates through five business segments: Financial Services Business, Asset Management Business, Investment Business, Crypto-Asset Business, and Non-financial Business segments. The Financial Services Business segment consists of a range of finance-related business, including securities brokerage business; banking services business; and life, property, and casualty insurance business. The Asset Management Business segment includes setting, solicitation, and management of investment trust; investment advice; and financial products information. The Investment Business segment includes fund management and investment in Internet technology, fintech, blockchain, finance, and biotechnology-related venture companies; private equity; and funds management businesses. The Crypto-asset Business segment provides crypto-asset exchange and trading services. The Non-Financial Business segment consists of biotechnology; development and distribution of pharmaceutical products, health foods, and cosmetics with 5-aminolevulinic acid; research and development of antibody drugs and nucleic acid medicine in the field of cancer and immunology; the digitization of medical and health information; provision of solutions and services that promote the use of medical big data, medical finance; business working on advanced fields related to Web 3.0; and renewable energy business. The company is also involved in the real estate secured loans, online mobile game, and e-sports related businesses. In addition, it operates and develops cybersecurity systems; exports used cars; offers back-office support services; and develops, operates, manages, and invests in real estate properties. The company was formerly known as Softbank Investment Corporation and changed its name to SBI Holdings, Inc. in July 2005. SBI Holdings, Inc. was incorporated in 1999 and is headquartered in Tokyo, Japan.

About UP Fintech

UP Fintech Holding Limited provides online brokerage services focusing on Chinese investors. The company has developed a brokerage platform, which allows investor to trade stocks, options, warrants, and other financial instruments that can be accessed through its APP and website. It offers brokerage and value-added services, including investor education, community engagement, and IR platform services. In addition, the company provides trade execution, margin financing, and securities lending services; asset management and wealth management; ESOP management; fund license application, product design, asset custody, transaction execution, and funding allocation; fund structuring and management; and IPO underwriting services. Further, it offers market information, community engagement, and simulated trading services. UP Fintech Holding Limited was founded in 2014 and is based in Beijing, China.