Comparing Wells Fargo & Company (NYSE:WFC) & UP Fintech (NASDAQ:TIGR)

UP Fintech (NASDAQ:TIGR) and Wells Fargo & Company (NYSE:WFC) are both finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their analyst recommendations, valuation, institutional ownership, dividends, earnings, profitability and risk.

Institutional & Insider Ownership

9.0% of UP Fintech shares are held by institutional investors. Comparatively, 75.9% of Wells Fargo & Company shares are held by institutional investors. 0.1% of Wells Fargo & Company shares are held 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 UP Fintech and Wells Fargo & Company’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
UP Fintech	24.18%	17.81%	1.64%
Wells Fargo & Company	17.18%	12.51%	1.04%

Valuation & Earnings

This table compares UP Fintech and Wells Fargo & Company”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
UP Fintech	$391.54 million	4.67	$60.73 million	$0.65	15.25
Wells Fargo & Company	$82.79 billion	3.33	$19.72 billion	$6.08	14.14

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

Volatility and Risk

UP Fintech has a beta of 0.55, meaning that its share price is 45% less volatile than the S&P 500. Comparatively, Wells Fargo & Company has a beta of 1.25, meaning that its share price is 25% more volatile than the S&P 500.

Analyst Ratings

This is a breakdown of recent recommendations for UP Fintech and Wells Fargo & Company, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
UP Fintech	0	1	5	0	2.83
Wells Fargo & Company	0	8	10	0	2.56

UP Fintech presently has a consensus price target of $10.75, suggesting a potential upside of 8.43%. Wells Fargo & Company has a consensus price target of $89.57, suggesting a potential upside of 4.19%. Given UP Fintech’s stronger consensus rating and higher probable upside, equities research analysts clearly believe UP Fintech is more favorable than Wells Fargo & Company.

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.

About Wells Fargo & Company

Wells Fargo & Co. is a diversified and community-based financial services company, which engages in the provision of banking, insurance, investments, mortgage, and consumer and commercial finance products and services. It operates through the following segments: Consumer Banking and Lending, Commercial Banking, Corporate and Investment Banking, and Wealth and Investment Management. The Consumer Banking and Lending segment offers consumer and small business banking, home lending, credit cards, auto, and personal lending. The Commercial Banking segment provides banking and credit products across industry sectors and municipalities, secured lending and lease products, and treasury management. The Corporate and Investment Banking segment is composed of corporate banking, investment banking, treasury management, commercial real estate lending and servicing, and equity and fixed income solutions, as well as sales, trading, and research capabilities. The Wealth and Investment Management segment refers to personalized wealth management, brokerage, financial planning, lending, private banking, trust, and fiduciary products and services. The company was founded by Henry Wells and William G. Fargo on March 18, 1852 and is headquartered in San Francisco, CA.