UP Fintech Q4 Earnings Call Highlights

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MarketBeat

Thu, March 19, 2026 astatine 9:56 AM CDT 9 min read

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UP Fintech reported record 2025 results with full gross of $612.1 million (up 56.3% YoY) and GAAP nett income of $170.9 million (up 181.4%); Q4 gross was $175.6 million with Q4 GAAP nett income of $45.2 million.
Client and plus maturation remained beardown arsenic the steadfast added 161,900 recently funded accounts successful 2025 (ending with >1.25 cardinal funded accounts), reported nett plus inflows of $10 billion+, and saw full lawsuit assets scope $80.8 billion (up 45.7%), led by outsized maturation successful Hong Kong, Singapore and Australia–New Zealand.
Product and B2B momentum boosted recurring revenue—wealth management, concern banking and ESOPs helped “other revenue” emergence to astir $25–30 million per quarter; the institution upgraded options functionality, launched Australian borderline accounts, underwrote 47 IPOs successful 2025, and expects to repay/extend a $155 million convertible enslaved without materially affecting liquidity.
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UP Fintech (NASDAQ:TIGR) reported grounds gross and nett for the 4th fourth and afloat twelvemonth 2025, citing maturation successful its funded relationship base, continued nett plus inflows, expanded merchandise capabilities, and contributions from its wealthiness absorption and concern banking businesses.

Chairman and CEO Wu Tianhua said 2025 brought “substantial improvement” successful fiscal and operating performance, supported by idiosyncratic growth, lawsuit plus gains, merchandise enhancements and localization efforts, and a supportive marketplace environment.

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For the afloat twelvemonth 2025, the institution reported full gross of $612.1 million, up 56.3% from 2024. GAAP nett income attributable to UP Fintech was $170.9 cardinal and non-GAAP nett income was $186.5 million, some grounds highs and up 181.4% and 164.7%, respectively, twelvemonth implicit year.

In the 4th quarter, full gross was $175.6 million, an summation of 41.5% twelvemonth implicit year. Fourth-quarter GAAP nett income attributable to UP Fintech was $45.2 cardinal and non-GAAP nett income was $48.9 million, up 61.3% and 60.5%, respectively, from the prior-year period.

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CFO John Zeng noted quarterly gross was up 42% twelvemonth implicit twelvemonth and roseate 0.2% sequentially. He besides said some quarterly and full-year gross were all-time highs for the company. Zeng reported a fourth-quarter currency equity instrumentality complaint of 6.4 ground points, down from 7.1 ground points successful the 3rd quarter, which helium attributed to normalization pursuing little meme-stock trading enactment successful the 4th quarter. Within committee revenue, helium said astir 65% came from currency equities, 25% from options, and the remainder from futures and different products.

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