Is TIRX a good stock to buy right now?

Based on our 6-factor quantitative model, TIAN RUIXIANG HOLDINGS LTD (TIRX) receives a "Reduce" rating with a composite score of 36.4/100. It is ranked #3,734 out of 4,446 stocks. Key factor scores: Quality 48/100, Value 5/100, Momentum 34/100. The timing signal is "Bearish". This is quantitative analysis only — not investment advice.

What is the stock rating for TIRX?

TIAN RUIXIANG HOLDINGS LTD (TIRX) has a "Reduce" rating and 2-star score. The composite score of 36.4 ranks it #3,734 among 4,446 U.S. stocks. Ratings are updated weekly using academically-proven factor models.

What sector is TIRX in?

TIAN RUIXIANG HOLDINGS LTD operates in the Financials sector (Insurance industry) with a market cap of $3 million. It is classified as a micro-cap stock.

Does TIRX pay a dividend?

TIRX does not currently pay a regular dividend. The company may be reinvesting profits for growth.

What is TIRX's P/E ratio?

P/E ratio data is not currently available for TIRX, which may indicate the company is not yet profitable.

How profitable is TIRX?

TIRX's quality factor score is 48/100. Gross margin: 100.0%. ROE: -47.1% vs sector average 8.5%. High margins suggest pricing power and competitive moats.

How is TIRX valued compared to peers?

TIRX's value factor score is 5/100 (higher = cheaper). Key multiples: . Trading at a premium relative to peers.

What is TIRX's debt level?

TIRX's debt-to-equity ratio is 3%. Sector average: 121%. Low leverage suggests conservative financial management.

TIRX has a beta of -0.41, meaning it is less volatile than the market. Stability score: 28/100.

Does TIRX have high short interest?

TIRX's short interest factor score is 69/100 (higher = less short selling). Moderate short interest.

TIRX Stock Analysis: Top Micro-Cap Reduce (Score 36.4/100) | Blank Capital Research

Data Series	1D	5D	1M	YTD	1Y	3Y	5Y	10Y
TIRX	-48.64%	-60.13%	-75.88%	-91.62%	-97.99%	-	-	-
Industry Proxy XLF	-1.09%	+2.50%	+1.42%	-7.30%	+10.59%	-	-	-
U.S. Market SPY	-0.07%	+3.60%	+0.34%	-0.36%	+29.52%	-	-	-
Alpha vs Market	-48.58%	-63.73%	-76.21%	-91.26%	-127.51%	-	-	-
Alpha vs Sector	-47.55%	-62.64%	-77.29%	-84.31%	-108.57%	-	-	-

Metric	TIRX	Benchmark
P/E Ratio	-0.2x	-101%
EV/EBITDA	—	—
Price / Book	0.1x

Stock Entity	Score▼	Quality	Value	Momentum	P/E Ratio	ROE	Gross Margin	Net Margin	Rev Growth	D/E Ratio	Market Cap	Compare
WTM WHITE MOUNTAINS INSURANCE GROUP LTD	63	80	79	54	8.9x	10.1%	96.3%	20.1%	1.6%	14.0x	$5.4B	VS
OPY OPPENHEIMER HOLDINGS INC	63	68	79	63	10.4x	9.9%	0.0%	6.5%	37.5%	273.0x	$959M	VS
ACT Enact Holdings, Inc.	62	81	76	52	8.7x	12.7%	88.5%	55.0%	4.2%	14.0x	$5.7B	VS
IGIC International General Insurance Holdings Ltd.	61	74	93	50	8.6x	82.6%	59.9%	25.1%	-	0.0x	$1.1B	VS
PKBK PARKE BANCORP, INC.	60	60	77	65	9.8x	10.5%	-	24.8%	20.9%	593.0x	$335M	VS
SSSS SURO CAPITAL CORP.	60	89	33	65	4.7x	30.9%	0.0%	-752.0%	-48.3%	34.0x	$290M	VS
CB Chubb Ltd	59	67	71	52	12.8x	12.5%	0.0%	16.6%	15.6%	20.0x	$128.0B	VS
RRBI RED RIVER BANCSHARES INC	59	59	69	68	15.0x	11.0%	0.0%	27.5%	13.3%	818.0x	$607M	VS
UFCS UNITED FIRE GROUP INC	59	64	78	58	9.8x	10.6%	100.0%	7.3%	17.5%	308.0x	$936M	VS
SPFI SOUTH PLAINS FINANCIAL, INC.	58	59	73	55	12.8x	11.0%	0.0%	21.7%	9.0%	807.0x	$690M	VS
TIRX TIAN RUIXIANG HOLDINGS LTD	36	48	5	34	-	-47.1%	100.0%	-123.8%	-	3.0x	$3M

Key Ratio	TTM	2024	2023	2022	2021	2020	2019
Gross Margin %	1.0%	1.0%	1.0%	1.0%	1.0%	1.0%	1.0%
Operating Margin %	-1.4%	-1.4%	-2.4%	-3.7%	-0.8%	0.2%	0.1%
EBITDA Margin %	-1.4%	-1.4%	-2.4%	-3.6%	-0.7%	0.2%	0.1%
Net Margin %	-1.2%	-1.2%	-2.0%	-3.5%	-0.7%	0.2%	0.1%
FCF Margin %	27.9%	27.9%	79.9%	-14.9%	-49.0%	-1.6%	10.8%
ROE %	-0.5%	-0.1%	-0.1%	-0.1%	-0.0%	0.1%	0.0%
ROA %	-0.4%	-0.1%	-0.1%	-0.1%	-0.0%	0.1%	0.0%
ROIC %	-10.6%	-10.6%	-7.4%	-12.0%	-19.8%	17.7%	6.1%

Line Item	TTM	2024	2023	2022	2021	2020	2019
	$3M	$3M	$1M	$1M	$3M	$3M	$2M
	$3M	$3M	$1M	$1M	$3M	$3M	$2M
Gross Margin	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%
	—	$169K	$80K	$208K	$255K	$228K	$35K
	-$5M	-$5M	-$3M	-$5M	-$2M	$560K	$103K
EBIT	-$5M	-$5M	-$3M	-$5M	-$2M	$560K	$103K
EBITDA	-$4M	-$4M	-$3M	-$5M	-$2M	$797K	$192K
Operating Margin	-144.3%	-144.3%	-242.4%	-374.9%	-80.8%	17.2%	5.1%
EBITDA Margin	-139.1%	-139.1%	-236.7%	-361.5%	-71.0%	24.5%	9.6%
	—	—	—	—	—	$0	$19K
	—	$42K	$161K	$24K	$25K	$126K	$238K
	-$4M	-$4M	-$2M	-$5M	-$2M	$634K	$176K
Net Margin	-123.8%	-123.8%	-197.2%	-346.5%	-69.7%	19.5%	8.8%
	$-2.42	$-2.42	$-3.87	$-9.03	$-5.65	$0.13	$0.04
Diluted EPS	$-2.42	$-2.42	$-3.87	$-9.03	$-5.65	$0.13	$0.04

TIAN RUIXIANG HOLDINGS LTD (TIRX) Stock Analysis — April 2026 Rating, Price, and Forecast

Last updated: April 2026

Company Overview — What Does TIAN RUIXIANG HOLDINGS LTD Do?

Tian Ruixiang Holdings Ltd, together its subsidiaries, operates as an insurance broker in China and the United States. The company distributes a range of insurance products, including property and casualty insurance, such as automobile insurance, commercial property insurance, liability insurance, and accidental insurance; and life insurance comprising individual and group life insurances. It serves individual or institutional customers. Tian Ruixiang Holdings Ltd was founded in 2010 and is headquartered in Beijing, China. TIAN RUIXIANG HOLDINGS LTD (TIRX) is classified as a micro-cap stock in the Financials sector, specifically within the Insurance industry. The company is led by CEO Zhe Wang and employs approximately 50 people. With a market capitalization of $3M, TIRX is one of the notable companies in the Financials sector.

TIAN RUIXIANG HOLDINGS LTD (TIRX) Stock Rating — Reduce (April 2026)

As of April 2026, TIAN RUIXIANG HOLDINGS LTD receives a Reduce rating with a composite score of 36.4/100 and 2 out of 5 stars from the Blank Capital Research quantitative model.TIRX ranks #3,734 out of 4,446 stocks in our coverage universe. Within the Financials sector, TIAN RUIXIANG HOLDINGS LTD ranks #824 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

TIRX Stock Price and 52-Week Range

TIAN RUIXIANG HOLDINGS LTD (TIRX) currently trades at $0.03. The stock lost $0.03 (48.6%) in the most recent trading session. The 52-week high for TIRX is $3.45, which means the stock is currently trading -99.1% from its annual peak. The 52-week low is $0.02, putting the stock 50.0% above its annual trough. Recent trading volume was 97.2M shares, indicating strong institutional interest and high liquidity.

Is TIRX Overvalued or Undervalued? — Valuation Analysis

TIAN RUIXIANG HOLDINGS LTD (TIRX) carries a value factor score of 5/100 in the Blank Capital model, signaling premium valuation that prices in significant future growth. The price-to-book ratio stands at 0.08x, versus the sector average of 1.22x. The price-to-sales ratio is 0.21x, compared to 0.90x for the average Financials stock.

At current multiples, TIAN RUIXIANG HOLDINGS LTD trades at a premium to most Financials peers. This elevated valuation may be justified if the company can sustain above-average growth rates and profitability, but it also creates downside risk if earnings disappoint expectations.

TIAN RUIXIANG HOLDINGS LTD Profitability — ROE, Margins, and Quality Score

TIAN RUIXIANG HOLDINGS LTD (TIRX) earns a quality factor score of 48/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is -47.1%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at -39.9% versus the sector average of 1.2%.

On a margin basis, TIAN RUIXIANG HOLDINGS LTD reports gross margins of 100.0%. The operating margin is -144.3% (sector: 21.8%). Net profit margin stands at -123.8%, versus 17.7% for the average Financials stock. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

TIRX Debt, Balance Sheet, and Financial Health

TIAN RUIXIANG HOLDINGS LTD has a debt-to-equity ratio of 3.0%, compared to the Financials sector average of 121.0%. The low leverage indicates a conservative balance sheet with significant financial flexibility. Total debt on the balance sheet is $1M. Cash and equivalents stand at $297,288.

TIRX has a beta of -0.41, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for TIAN RUIXIANG HOLDINGS LTD is 28/100, suggesting elevated price swings that may be unsuitable for conservative portfolios.

TIAN RUIXIANG HOLDINGS LTD Revenue and Earnings History — Quarterly Trend

In TTM 2026, TIAN RUIXIANG HOLDINGS LTD reported revenue of $3M and earnings per share (EPS) of $-2.42. Net income for the quarter was $-4M. Gross margin was 100.0%. Operating income came in at $-5M.

In FY 2024, TIAN RUIXIANG HOLDINGS LTD reported revenue of $3M and earnings per share (EPS) of $-2.42. Net income for the quarter was $-4M. Gross margin was 100.0%. Revenue grew 158.7% year-over-year compared to FY 2023. Operating income came in at $-5M.

In FY 2023, TIAN RUIXIANG HOLDINGS LTD reported revenue of $1M and earnings per share (EPS) of $-3.87. Net income for the quarter was $-2M. Gross margin was 100.0%. Revenue grew -8.0% year-over-year compared to FY 2022. Operating income came in at $-3M.

In FY 2022, TIAN RUIXIANG HOLDINGS LTD reported revenue of $1M and earnings per share (EPS) of $-9.03. Net income for the quarter was $-5M. Gross margin was 100.0%. Revenue grew -51.6% year-over-year compared to FY 2021. Operating income came in at $-5M.

Over the past 7 quarters, TIAN RUIXIANG HOLDINGS LTD has demonstrated a growth trajectory, with revenue expanding from $2M to $3M. Investors analyzing TIRX stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

TIRX Dividend Yield and Income Analysis

TIAN RUIXIANG HOLDINGS LTD (TIRX) does not currently pay a dividend. This is common among smaller companies in the Insurance industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Financials dividend stocks may want to explore other Financials stocks or use the stock screener to filter by dividend yield.

TIRX Momentum and Technical Analysis Profile

TIAN RUIXIANG HOLDINGS LTD (TIRX) has a momentum factor score of 34/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 30/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 69/100 reflects moderate short selling activity.

TIRX vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, TIAN RUIXIANG HOLDINGS LTD (TIRX) ranks #824 out of 891 stocks based on the Blank Capital composite score. This places TIRX in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing TIRX against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full TIRX vs S&P 500 (SPY) comparison to assess how TIAN RUIXIANG HOLDINGS LTD stacks up against the broader market across all factor dimensions.

TIRX Next Earnings Date

No upcoming earnings date has been announced for TIAN RUIXIANG HOLDINGS LTD (TIRX) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy TIRX? — Investment Thesis Summary

The quantitative profile for TIAN RUIXIANG HOLDINGS LTD suggests caution. The value score of 5/100 indicates premium valuation. Momentum is weak at 34/100, a headwind for near-term performance. High volatility (stability score 28/100) increases portfolio risk.

In summary, TIAN RUIXIANG HOLDINGS LTD (TIRX) earns a Reduce rating with a composite score of 36.4/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on TIRX stock.

Related Resources for TIRX Investors

Explore more research and tools: TIRX vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare TIRX head-to-head with peers: TIRX vs WTM, TIRX vs OPY, TIRX vs ACT.

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