TIGR vs TOP

UP Fintech Holding Limited vs TOP Financial Group Limited — Valuation Comparison 2026

By CirclFi Research Team · Updated 2026-06-03 · Data from SEC EDGAR, FRED & GDELT

Quick Summary — TIGR scores higher on quality with 2.7/10 vs TOP's 2.0/10. TIGR trades at $4.97 while TOP trades at $1.01. Both analyzed daily using SEC EDGAR data across 13 institutional models.

TIGR

Capital Markets
UP Fintech Holding Limited
Quality
2.7
out of 10
Value Trap
6
SAFE
Price
$4.97
Last close
Models
11/13
Active
VS

TOP

Capital Markets
TOP Financial Group Limited
Quality
2.0
out of 10
Value Trap
Price
$1.01
Last close
Models
11/13
Active
TIGR
2 models active
Quality 2.7/10 — below average
TOP
2 models active
Quality 2.0/10 — below average

TIGR vs TOP — Fair Value Comparison

TIGR
$0$3$5$8 Price$4.97 Bayesian …$1.42 (-71.5%) Earnings …$6.87 (-0.9%)
TOP
$0$0$1$1 Price$1.01 Bayesian …$0.20 (-80.5%) Earnings …$0.70 (-9.9%)
Market Price Model 1 Model 2

Model-by-Model Comparison

ModelType TIGR Fair ValueTIGR Upside TOP Fair ValueTOP Upside
Bayesian DCF Intrinsic $1.42 -71.5% $0.20 -80.5%
Earnings Power Value Intrinsic $6.87 -0.9% $0.70 -9.9%
EROIC Spread Intrinsic $•••.•• ••.•% $•••.•• ••.•%
First Chicago Scenario $•••.•• ••.•% $•••.•• ••.•%
ML-RIV Intrinsic $•••.•• ••.•% $•••.•• ••.•%
Dynamic NAV Asset-Based $•••.•• ••.•% $•••.•• ••.•%
PWERM Option-Based $•••.•• ••.•% $•••.•• ••.•%
Regime Cross-Sectional Relative $•••.•• ••.•% $•••.•• ••.•%
Sentiment SOTP Hybrid $•••.•• ••.•% $•••.•• ••.•%
CUCE Ensemble Ensemble $•••.•• ••.•% $•••.•• ••.•%
FTNN Topology Relative $•••.•• ••.•% $•••.•• ••.•%
RCMH-DCF Intrinsic $•••.•• ••.•% $•••.•• ••.•%

TIGR vs TOP — Which Stock Is More Undervalued in 2026?

TIGR scores higher with a 2.7/10 quality rating vs TOP's 2.0/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

How Do TIGR and TOP Valuations Compare?

At $4.97, TIGR trades +71.5% above its Bayesian DCF fair value of $1.42, while TOP at $1.01 trades +80.5% above its estimate of $0.20. TOP shows a wider gap between price and intrinsic value.

Quality of Company: TIGR vs TOP

TIGR earns a Quality of Company score of 2.7/10 compared to TOP's 2.0/10. The scores are closely matched, indicating similar fundamental quality profiles. The QOC score synthesizes 32 signals spanning profitability margins, revenue growth, free cash flow, capital allocation, and leverage.

Value Trap Risk: TIGR vs TOP

Review the value trap analysis for both TIGR and TOP to assess whether apparent undervaluation reflects genuine opportunity or hidden fundamental risk.

Both in Capital Markets

Both TIGR and TOP operate in Capital Markets, which has 86 stocks tracked by CirclFi. Same-industry comparisons provide the most direct insight into relative valuation since both companies face similar regulatory environments, market dynamics, and competitive pressures. Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN), and ensemble methods (CUCE).

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