Analyzing UP Fintech (NASDAQ:TIGR) and Bank of America (NYSE:BAC)

UP Fintech (NASDAQ:TIGR) and Bank of America (NYSE:BAC) are both finance companies, but which is the better business? We will contrast the two companies based on the strength of their institutional ownership, earnings, analyst recommendations, risk, profitability, dividends and valuation.

Analyst Recommendations

This is a breakdown of recent ratings for UP Fintech and Bank of America, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
UP Fintech	0	1	5	0	2.83
Bank of America	0	5	23	0	2.82

UP Fintech presently has a consensus target price of $12.13, indicating a potential upside of 18.18%. Bank of America has a consensus target price of $57.86, indicating a potential upside of 8.73%. Given UP Fintech’s stronger consensus rating and higher possible upside, analysts clearly believe UP Fintech is more favorable than Bank of America.

Insider & Institutional Ownership

9.0% of UP Fintech shares are owned by institutional investors. Comparatively, 70.7% of Bank of America shares are owned by institutional investors. 0.3% of Bank of America shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Volatility and Risk

UP Fintech has a beta of 0.53, meaning that its share price is 47% less volatile than the S&P 500. Comparatively, Bank of America has a beta of 1.34, meaning that its share price is 34% more volatile than the S&P 500.

Profitability

This table compares UP Fintech and Bank of America’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%
Bank of America	15.70%	10.76%	0.88%

Earnings and Valuation

This table compares UP Fintech and Bank of America”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
UP Fintech	$391.54 million	4.84	$60.73 million	$0.65	15.78
Bank of America	$107.26 billion	3.62	$27.13 billion	$3.67	14.50

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

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 Bank of America

Bank of America Corporation, through its subsidiaries, provides banking and financial products and services for individual consumers, small and middle-market businesses, institutional investors, large corporations, and governments worldwide. It operates in four segments: Consumer Banking, Global Wealth & Investment Management (GWIM), Global Banking, and Global Markets. The Consumer Banking segment offers traditional and money market savings accounts, certificates of deposit and IRAs, non-interest and interest-bearing checking accounts, and investment accounts and products; credit and debit cards; residential mortgages, and home equity loans; and direct and indirect loans, such as automotive, recreational vehicle, and consumer personal loans. The GWIM segment provides investment management, brokerage, banking, and trust and retirement products and services; wealth management solutions; and customized solutions, including specialty asset management services. The Global Banking segment offers lending products and services, including commercial loans, leases, commitment facilities, trade finance, and commercial real estate and asset-based lending; treasury solutions, such as treasury management, foreign exchange, short-term investing options, and merchant services; working capital management solutions; debt and equity underwriting and distribution, and merger-related and other advisory services; and fixed-income and equity research, and certain market-based services. The Global Markets segment provides market-making, financing, securities clearing, settlement, and custody services; securities and derivative products; and risk management products using interest rate, equity, credit, currency and commodity derivatives, foreign exchange, fixed-income, and mortgage-related products. Bank of America Corporation was founded in 1784 and is based in Charlotte, North Carolina.