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TOP FINANCIAL GROUP LTD A (TOP) Stock Fundamental Analysis

NASDAQ:TOP - Nasdaq - KYG989A61029 - Common Stock - Currency: USD

1.4  0 (0%)

After market: 1.38 -0.02 (-1.43%)

Fundamental Rating

4

Overall TOP gets a fundamental rating of 4 out of 10. We evaluated TOP against 225 industry peers in the Capital Markets industry. While TOP has a great health rating, its profitability is only average at the moment. TOP has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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5

1. Profitability

1.1 Basic Checks

In the past year TOP was profitable.
TOP had a positive operating cash flow in the past year.
Each year in the past 5 years TOP has been profitable.
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 0 5M -5M 10M 15M

1.2 Ratios

Looking at the Return On Assets, with a value of 1.82%, TOP is in line with its industry, outperforming 43.84% of the companies in the same industry.
TOP has a Return On Equity of 2.59%. This is in the lower half of the industry: TOP underperforms 70.78% of its industry peers.
TOP has a worse Return On Invested Capital (1.93%) than 65.75% of its industry peers.
The Average Return On Invested Capital over the past 3 years for TOP is significantly above the industry average of 6.76%.
The last Return On Invested Capital (1.93%) for TOP is well below the 3 year average (12.41%), which needs to be investigated, but indicates that TOP had better years and this may not be a problem.
Industry RankSector Rank
ROA 1.82%
ROE 2.59%
ROIC 1.93%
ROA(3y)11.8%
ROA(5y)20.73%
ROE(3y)15.42%
ROE(5y)32.09%
ROIC(3y)12.41%
ROIC(5y)25.82%
TOP Yearly ROA, ROE, ROICTOP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 20 40 60

1.3 Margins

TOP has a Profit Margin (13.08%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of TOP has grown nicely.
Looking at the Operating Margin, with a value of 12.29%, TOP is doing worse than 68.04% of the companies in the same industry.
In the last couple of years the Operating Margin of TOP has declined.
TOP's Gross Margin of 71.08% is fine compared to the rest of the industry. TOP outperforms 74.43% of its industry peers.
In the last couple of years the Gross Margin of TOP has grown nicely.
Industry RankSector Rank
OM 12.29%
PM (TTM) 13.08%
GM 71.08%
OM growth 3Y-25.96%
OM growth 5Y-2.84%
PM growth 3Y-24%
PM growth 5Y1.96%
GM growth 3Y21.87%
GM growth 5Y21.12%
TOP Yearly Profit, Operating, Gross MarginsTOP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 20 40 60

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7

2. Health

2.1 Basic Checks

TOP has more shares outstanding than it did 1 year ago.
The number of shares outstanding for TOP has been increased compared to 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 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 10M 20M 30M 40M 50M

2.2 Solvency

An Altman-Z score of 2.67 indicates that TOP is not a great score, but indicates only limited risk for bankruptcy at the moment.
TOP's Altman-Z score of 2.67 is fine compared to the rest of the industry. TOP outperforms 75.80% 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 0
Altman-Z 2.67
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 0 10M 20M 30M 40M

2.3 Liquidity

TOP has a Current Ratio of 2.04. This indicates that TOP is financially healthy and has no problem in meeting its short term obligations.
TOP has a Current ratio of 2.04. This is in the better half of the industry: TOP outperforms 68.95% of its industry peers.
TOP has a Quick Ratio of 2.04. This indicates that TOP is financially healthy and has no problem in meeting its short term obligations.
TOP's Quick ratio of 2.04 is fine compared to the rest of the industry. TOP outperforms 68.95% of its industry peers.
Industry RankSector Rank
Current Ratio 2.04
Quick Ratio 2.04
TOP Yearly Current Assets VS Current LiabilitesTOP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 10M 20M 30M

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0

3. Growth

3.1 Past

TOP shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -83.77%.
The Earnings Per Share has been decreasing by -4.02% on average over the past years.
TOP shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -17.14%.
The Revenue has been decreasing by -5.70% on average over the past years.
EPS 1Y (TTM)-83.77%
EPS 3Y-38.49%
EPS 5Y-4.02%
EPS Q2Q%-277.04%
Revenue 1Y (TTM)-17.14%
Revenue growth 3Y-21.96%
Revenue growth 5Y-5.7%
Sales Q2Q%-80.45%

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 5M 10M 15M
TOP Yearly EPS VS EstimatesTOP Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024

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2

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 70.00, the valuation of TOP can be described as expensive.
80.82% of the companies in the same industry are cheaper than TOP, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of TOP to the average of the S&P500 Index (29.63), we can say TOP is valued expensively.
Industry RankSector Rank
PE 70
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

4.2 Price Multiples

TOP's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. TOP is cheaper than 66.67% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of TOP indicates a rather cheap valuation: TOP is cheaper than 89.50% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 2.92
EV/EBITDA 25.49
TOP Per share dataTOP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0.2 0.4 0.6 0.8 1

4.3 Compensation for Growth

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

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0

5. Dividend

5.1 Amount

No dividends for TOP!.
Industry RankSector Rank
Dividend Yield N/A

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TOP FINANCIAL GROUP LTD A

NASDAQ:TOP (2/21/2025, 8:00:01 PM)

After market: 1.38 -0.02 (-1.43%)

1.4

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)06-21 2024-06-21
Earnings (Next)N/A N/A
Inst Owners0.35%
Inst Owner Change130.96%
Ins Owners0.07%
Ins Owner ChangeN/A
Market Cap51.83M
AnalystsN/A
Price TargetN/A
Short Float %1.5%
Short Ratio0.81
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0
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 70
Fwd PE N/A
P/S 6.45
P/FCF 2.92
P/OCF 2.92
P/B 1.28
P/tB 1.28
EV/EBITDA 25.49
EPS(TTM)0.02
EY1.43%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.48
FCFY34.25%
OCF(TTM)0.48
OCFY34.26%
SpS0.22
BVpS1.09
TBVpS1.09
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1.82%
ROE 2.59%
ROCE 2.44%
ROIC 1.93%
ROICexc 5.34%
ROICexgc 5.42%
OM 12.29%
PM (TTM) 13.08%
GM 71.08%
FCFM 220.88%
ROA(3y)11.8%
ROA(5y)20.73%
ROE(3y)15.42%
ROE(5y)32.09%
ROIC(3y)12.41%
ROIC(5y)25.82%
ROICexc(3y)29.94%
ROICexc(5y)75.49%
ROICexgc(3y)32.36%
ROICexgc(5y)84.03%
ROCE(3y)15.71%
ROCE(5y)32.68%
ROICexcg growth 3Y-71.81%
ROICexcg growth 5Y-37.36%
ROICexc growth 3Y-70.78%
ROICexc growth 5Y-36.1%
OM growth 3Y-25.96%
OM growth 5Y-2.84%
PM growth 3Y-24%
PM growth 5Y1.96%
GM growth 3Y21.87%
GM growth 5Y21.12%
F-Score5
Asset Turnover0.14
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr 21.25%
Cap/Sales 0.08%
Interest Coverage 250
Cash Conversion 1747.24%
Profit Quality 1688.23%
Current Ratio 2.04
Quick Ratio 2.04
Altman-Z 2.67
F-Score5
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)1473.75%
Cap/Depr(5y)924.25%
Cap/Sales(3y)2.08%
Cap/Sales(5y)1.27%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-83.77%
EPS 3Y-38.49%
EPS 5Y-4.02%
EPS Q2Q%-277.04%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-17.14%
Revenue growth 3Y-21.96%
Revenue growth 5Y-5.7%
Sales Q2Q%-80.45%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-71.2%
EBIT growth 3Y-42.22%
EBIT growth 5Y-8.38%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y390.07%
FCF growth 3Y60.3%
FCF growth 5Y36.99%
OCF growth 1Y394.5%
OCF growth 3Y60.07%
OCF growth 5Y36.92%