UP Fintech Holding (MEX:TIGR N) Effective Interest Rate on Debt %: 60.72% (As of Mar. 2026)

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MEX:TIGR N UP Fintech Holding Ltd MEX:TIGR N
71 GF Score
Price MXN83.09
GF Value MXN167.20
Valuation Possible Value Trap
! 3 Warning Signs
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What is UP Fintech Holding Effective Interest Rate on Debt %?

UP Fintech Holding MEX:TIGR N +1.58% 71 Effective Interest Rate on Debt % is 60.72% as of Mar. 2026. GuruFocus rates MEX:TIGR N with a GF Score™ of 71/100 and a GF Value™ of MXN167.20 (Possible Value Trap). The stock has 3 warning signs investors should review.

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. UP Fintech Holding's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was MXN1,309 Mil. UP Fintech Holding's average total debt for the quarter that ended in Mar. 2026 was MXN2,156 Mil. Therefore, UP Fintech Holding's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 60.72%.


UP Fintech Holding  (MEX:TIGR N) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.


UP Fintech Holding Effective Interest Rate on Debt % Related Terms


UP Fintech Holding Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for UP Fintech Holding's Effective Interest Rate on Debt % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

UP Fintech Holding Effective Interest Rate on Debt % Chart

UP Fintech Holding Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 22.76 11.29 26.16 39.94 39.70

UP Fintech Holding Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Effective Interest Rate on Debt % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 34.89 38.38 49.78 43.52 60.72

MEX:TIGR N vs LCLN, AXG, BTGO: Effective Interest Rate on Debt % Comparison

For the Capital Markets subindustry, UP Fintech Holding's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


UP Fintech Holding Effective Interest Rate on Debt % vs Capital Markets Industry

For the Capital Markets industry and Financial Services sector, UP Fintech Holding's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where UP Fintech Holding's Effective Interest Rate on Debt % falls into.


MEX:TIGR N
71GF Score
UP Fintech Holding Ltd MEX:TIGR N
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

UP Fintech Holding Effective Interest Rate on Debt % Calculation

UP Fintech Holding's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2024 )+Total Debt  (A: Dec. 2025 ))/ count )
=-1  *  -1320.826/( (3536.335+3117.777)/ 2 )
=-1  *  -1320.826/3327.056
=39.70 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=3449.7 + 86.635
=3536.335

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=993.897 + 2123.88
=3117.777

UP Fintech Holding's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2025 )+Total Debt  (Q: Mar. 2026 ))/ count )
=-1  *  -1308.74/( (3117.777+1193.314)/ 2 )
=-1  *  -1308.74/2155.5455
=60.72 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=993.897 + 2123.88
=3117.777

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=998.236 + 195.078
=1193.314

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is four times the quarterly (Mar. 2026) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 60.72% mean?
UP Fintech Holding (MEX:TIGR N) has a Effective Interest Rate on Debt % of 60.72% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on UP Fintech Holding and its competitors.
Is UP Fintech Holding's Effective Interest Rate on Debt % too high?
UP Fintech Holding's current Effective Interest Rate on Debt % is 60.72%. Overall, UP Fintech Holding has a GF Score™ of 71/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does UP Fintech Holding's Effective Interest Rate on Debt % compare to LCLN and AXG?
UP Fintech Holding's Effective Interest Rate on Debt % of 60.72% can be compared against companies in the Capital Markets industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for a Capital Markets company?
A good Effective Interest Rate on Debt % depends on the Capital Markets industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on UP Fintech Holding and its competitors. UP Fintech Holding's current Effective Interest Rate on Debt % is 60.72%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is UP Fintech Holding stock overvalued right now?
Based on GuruFocus' analysis, UP Fintech Holding (MEX:TIGR N) is currently considered Possible Value Trap. The stock's GF Value™ is MXN167.20, compared to a current price of MXN83.09 — trading 50.3% below its estimated fair value. The current Effective Interest Rate on Debt % is 60.72%. UP Fintech Holding's overall GF Score™ is 71/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For UP Fintech Holding (MEX:TIGR N), the current Effective Interest Rate on Debt % is 60.72% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is UP Fintech Holding (MEX:TIGR N) Overvalued in 2026?

Based on GuruFocus' analysis, UP Fintech Holding stock appears to be undervalued. The current stock price of MXN83.09 is trading 50.3% below its estimated GF Value™ of MXN167.20. GuruFocus considers UP Fintech Holding to be Possible Value Trap.

Key valuation signals for MEX:TIGR N:

  • Effective Interest Rate on Debt %: 60.72%
  • GF Value™: MXN167.20 vs. price of MXN83.09 (50.3% below fair value)
  • GF Score™: 71/100 with 3 warning signs

No single metric tells the full story. See the MEX:TIGR N stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


UP Fintech Holding Business Description

Other Exchanges TIGR:USA0A32:UK1M5:Germany
Address No. 16 Taiyanggong Middle Road, 18th Floor, Grandyvic Building, No. 1 Building, Chaoyang District, Beijing, CHN, 100020
UP Fintech Holding Ltd is an online brokerage firm focusing on Chinese investors. Its trading platform enables investors to trade in equities and other financial instruments on multiple exchanges of stocks and other derivatives. The company offers its customers brokerage and value-added services, including trade order placement and execution, margin financing, account management, investor education, community discussion, and customer support.
71GF Score

Get the complete analysis for MEX:TIGR N

Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

MXN83.09
Price
MXN167.20
GF Value