TOP FINANCIAL GROUP LTD A (TOP) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:TOP • KYG989A61029

1.06 USD
+0.03 (+2.91%)
At close: Feb 6, 2026
1.05 USD
-0.01 (-0.94%)
After Hours: 2/6/2026, 8:08:52 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

TOP gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 239 industry peers in the Capital Markets industry. While TOP has a great health rating, there are worries on its profitability. TOP has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

2

1. Profitability

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.
  • Of the past 5 years TOP 4 years were 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 2025 0 10M -10M

1.2 Ratios

  • The Return On Assets of TOP (-12.75%) is worse than 84.03% of its industry peers.
  • TOP has a Return On Equity of -17.11%. This is in the lower half of the industry: TOP underperforms 78.15% 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

  • TOP has a better Gross Margin (59.86%) than 67.65% of its industry peers.
  • TOP's Gross Margin has improved in the last couple of years.
  • TOP does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

7

2. Health

2.1 Basic Checks

  • Compared to 1 year ago, TOP has about the same amount of shares outstanding.
  • TOP has more shares outstanding than it did 5 years ago.
  • TOP has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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

  • An Altman-Z score of 2.16 indicates that TOP is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • With a decent Altman-Z score value of 2.16, TOP is doing good in the industry, outperforming 69.75% of the companies in the same industry.
  • 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 2.16
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

  • A Current Ratio of 2.08 indicates that TOP has no problem at all paying its short term obligations.
  • TOP has a better Current ratio (2.08) than 73.53% of its industry peers.
  • A Quick Ratio of 2.08 indicates that TOP has no problem at all paying its short term obligations.
  • TOP has a Quick ratio of 2.08. This is in the better half of the industry: TOP outperforms 73.95% 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

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

0

3. Growth

3.1 Past

  • The earnings per share for TOP have decreased strongly by -1088.96% in the last year.
  • TOP shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -58.58%.
  • 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)-1088.96%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-68.36%
Revenue 1Y (TTM)-58.58%
Revenue growth 3Y-24.77%
Revenue growth 5Y-27.39%
Sales Q2Q%67.4%

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

More info and screens

Find the best growth stocksShow best growing peers

0

4. Valuation

4.1 Price/Earnings Ratio

  • TOP reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
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. Dividend

5.1 Amount

  • TOP does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

TOP FINANCIAL GROUP LTD A

NASDAQ:TOP (2/6/2026, 8:08:52 PM)

After market: 1.05 -0.01 (-0.94%)

1.06

+0.03 (+2.91%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)08-13
Earnings (Next)N/A
Inst Owners0.59%
Inst Owner Change0.73%
Ins Owners0.25%
Ins Owner ChangeN/A
Market Cap39.29M
Revenue(TTM)3.33M
Net Income(TTM)-5.97M
AnalystsN/A
Price TargetN/A
Short Float %0.81%
Short Ratio1.14
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 11.8
P/FCF N/A
P/OCF N/A
P/B 1.13
P/tB 1.13
EV/EBITDA N/A
EPS(TTM)-0.16
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 2.16
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)-1088.96%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-68.36%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-58.58%
Revenue growth 3Y-24.77%
Revenue growth 5Y-27.39%
Sales Q2Q%67.4%
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 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.


What is the profitability of TOP stock?

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