TOP FINANCIAL GROUP LTD A (TOP) Fundamental Analysis & Valuation

NASDAQ:TOP • KYG989A61029

Current stock price

0.7998 USD
-0.02 (-2.72%)
Last:

This TOP fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. TOP Profitability Analysis

1.1 Basic Checks

  • In the past year TOP has reported negative net income.
  • In the past year TOP has reported a negative cash flow from operations.
  • TOP had positive earnings in 4 of the past 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: TOP reported negative operating cash flow in multiple years.
TOP Yearly Net Income VS EBIT VS OCF VS FCFTOP Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 2024 2025 0 10M -10M

1.2 Ratios

  • With a Return On Assets value of -12.75%, TOP is not doing good in the industry: 87.50% of the companies in the same industry are doing better.
  • TOP has a Return On Equity of -17.11%. This is in the lower half of the industry: TOP underperforms 79.58% of its industry peers.
Industry RankSector Rank
ROA -12.75%
ROE -17.11%
ROIC N/A
ROA(3y)-0.83%
ROA(5y)14.36%
ROE(3y)-1.69%
ROE(5y)20.76%
ROIC(3y)N/A
ROIC(5y)N/A
TOP Yearly ROA, ROE, ROICTOP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 2025 0 20 40 60

1.3 Margins

  • The Gross Margin of TOP (59.86%) is better than 67.08% of its industry peers.
  • TOP's Gross Margin has improved in the last couple of years.
  • The Profit Margin and Operating Margin are not available for TOP so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 59.86%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-2.75%
GM growth 5Y19.64%
TOP Yearly Profit, Operating, Gross MarginsTOP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 2025 0 50 -50 -100 -150

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7

2. TOP Health Analysis

2.1 Basic Checks

  • TOP has about the same amout of shares outstanding than it did 1 year ago.
  • TOP has more shares outstanding than it did 5 years ago.
  • There is no outstanding debt for TOP. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
TOP Yearly Shares OutstandingTOP Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
TOP Yearly Total Debt VS Total AssetsTOP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M

2.2 Solvency

  • Based on the Altman-Z score of 1.67, we must say that TOP is in the distress zone and has some risk of bankruptcy.
  • TOP's Altman-Z score of 1.67 is fine compared to the rest of the industry. TOP outperforms 67.08% of its industry peers.
  • TOP has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z 1.67
ROIC/WACCN/A
WACCN/A
TOP Yearly LT Debt VS Equity VS FCFTOP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 2024 2025 0 10M -10M 20M 30M 40M

2.3 Liquidity

  • TOP has a Current Ratio of 2.08. This indicates that TOP is financially healthy and has no problem in meeting its short term obligations.
  • TOP has a Current ratio of 2.08. This is in the better half of the industry: TOP outperforms 74.17% of its industry peers.
  • TOP has a Quick Ratio of 2.08. This indicates that TOP is financially healthy and has no problem in meeting its short term obligations.
  • TOP has a better Quick ratio (2.08) than 74.58% of its industry peers.
Industry RankSector Rank
Current Ratio 2.08
Quick Ratio 2.08
TOP Yearly Current Assets VS Current LiabilitesTOP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M

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1

3. TOP Growth Analysis

3.1 Past

  • The earnings per share for TOP have decreased strongly by -42.90% in the last year.
  • The Revenue has grown by 59.47% in the past year. This is a very strong growth!
  • Measured over the past years, TOP shows a very negative growth in Revenue. The Revenue has been decreasing by -27.39% on average per year.
EPS 1Y (TTM)-42.9%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%141.8%
Revenue 1Y (TTM)59.47%
Revenue growth 3Y-24.77%
Revenue growth 5Y-27.39%
Sales Q2Q%55.66%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
TOP Yearly Revenue VS EstimatesTOP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M

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0

4. TOP Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for TOP. In the last year negative earnings were reported.
Industry RankSector Rank
PE N/A
Fwd PE N/A
TOP Price Earnings VS Forward Price EarningsTOP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
TOP Per share dataTOP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.2 -0.2 0.4 0.6 0.8

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. TOP Dividend Analysis

5.1 Amount

  • No dividends for TOP!.
Industry RankSector Rank
Dividend Yield 0%

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TOP Fundamentals: All Metrics, Ratios and Statistics

TOP FINANCIAL GROUP LTD A

NASDAQ:TOP (4/2/2026, 8:00:01 PM)

0.7998

-0.02 (-2.72%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)08-13
Earnings (Next)N/A
Inst Owners0.7%
Inst Owner Change0%
Ins Owners0.25%
Ins Owner ChangeN/A
Market Cap29.65M
Revenue(TTM)4.36M
Net Income(TTM)-5.97M
AnalystsN/A
Price TargetN/A
Short Float %1.1%
Short Ratio0.09
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 8.91
P/FCF N/A
P/OCF N/A
P/B 0.85
P/tB 0.85
EV/EBITDA N/A
EPS(TTM)-0.14
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.39
FCFYN/A
OCF(TTM)-0.39
OCFYN/A
SpS0.09
BVpS0.94
TBVpS0.94
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -12.75%
ROE -17.11%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 59.86%
FCFM N/A
ROA(3y)-0.83%
ROA(5y)14.36%
ROE(3y)-1.69%
ROE(5y)20.76%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-2.75%
GM growth 5Y19.64%
F-Score2
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 9.44%
Cap/Sales 0.1%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 2.08
Quick Ratio 2.08
Altman-Z 1.67
F-Score2
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)110.28%
Cap/Depr(5y)926.17%
Cap/Sales(3y)0.37%
Cap/Sales(5y)1.29%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-42.9%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%141.8%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)59.47%
Revenue growth 3Y-24.77%
Revenue growth 5Y-27.39%
Sales Q2Q%55.66%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-663.55%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-181.53%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-181.49%
OCF growth 3YN/A
OCF growth 5YN/A

TOP FINANCIAL GROUP LTD A / TOP Fundamental Analysis FAQ

What is the fundamental rating for TOP stock?

ChartMill assigns a fundamental rating of 3 / 10 to TOP.


Can you provide the valuation status for TOP FINANCIAL GROUP LTD A?

ChartMill assigns a valuation rating of 0 / 10 to TOP FINANCIAL GROUP LTD A (TOP). This can be considered as Overvalued.


How profitable is TOP FINANCIAL GROUP LTD A (TOP) stock?

TOP FINANCIAL GROUP LTD A (TOP) has a profitability rating of 2 / 10.


How financially healthy is TOP FINANCIAL GROUP LTD A?

The financial health rating of TOP FINANCIAL GROUP LTD A (TOP) is 7 / 10.