TOP FINANCIAL GROUP LTD (TOP)
KYG989A61029 - Common Stock
Taking everything into account, TOP scores 4 out of 10 in our fundamental rating. TOP was compared to 221 industry peers in the Capital Markets industry. TOP is in great health and has no worries on liquidiy or solvency at all, but the profibility rating is only average. TOP is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year TOP was profitable.
In the past year TOP had a positive cash flow from operations.
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.
1.2 Ratios
The Return On Assets of TOP (1.82%) is comparable to the rest of the industry.
With a Return On Equity value of 2.59%, TOP is not doing good in the industry: 73.27% of the companies in the same industry are doing better.
TOP's Return On Invested Capital of 1.93% is on the low side compared to the rest of the industry. TOP is outperformed by 73.27% of its industry peers.
TOP had an Average Return On Invested Capital over the past 3 years of 12.41%. This is significantly below the industry average of 17.62%.
The 3 year average ROIC (12.41%) for TOP is well above the current ROIC(1.93%). The reason for the recent decline needs to be investigated.
| Industry Rank | Sector 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%
1.3 Margins
The Profit Margin of TOP (13.08%) is comparable to the rest of the industry.
TOP's Profit Margin has improved in the last couple of years.
TOP's Operating Margin of 12.29% is on the low side compared to the rest of the industry. TOP is outperformed by 70.51% of its industry peers.
TOP's Operating Margin has declined in the last couple of years.
TOP has a better Gross Margin (71.08%) than 73.27% of its industry peers.
In the last couple of years the Gross Margin of TOP has grown nicely.
| Industry Rank | Sector 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%
2. Health
2.1 Basic Checks
Compared to 1 year ago, TOP has more shares outstanding
The number of shares outstanding for TOP has been increased compared to 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.
2.2 Solvency
TOP has an Altman-Z score of 3.15. This indicates that TOP is financially healthy and has little risk of bankruptcy at the moment.
With a decent Altman-Z score value of 3.15, TOP is doing good in the industry, outperforming 79.26% of the companies in the same industry.
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.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 3.15 |
ROIC/WACCN/A
WACCN/A
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's Current ratio of 2.04 is fine compared to the rest of the industry. TOP outperforms 68.20% of its industry peers.
A Quick Ratio of 2.04 indicates that TOP has no problem at all paying its short term obligations.
The Quick ratio of TOP (2.04) is better than 68.20% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.04 | ||
| Quick Ratio | 2.04 |
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%.
TOP shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -4.02% yearly.
The Revenue for TOP has decreased by -17.14% in the past year. This is quite bad
TOP shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -5.70% yearly.
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 143.00, TOP can be considered very expensive at the moment.
TOP's Price/Earnings ratio is rather expensive when compared to the industry. TOP is more expensive than 82.03% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 31.01. TOP is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 143 | ||
| Fwd PE | N/A |
4.2 Price Multiples
TOP's Enterprise Value to EBITDA ratio is in line with the industry average.
Based on the Price/Free Cash Flow ratio, TOP is valued cheaply inside the industry as 88.48% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.96 | ||
| EV/EBITDA | 38.97 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
TOP does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
TOP FINANCIAL GROUP LTD
NASDAQ:TOP (10/2/2024, 8:00:01 PM)
After market: 3.03 +0.17 (+5.94%)2.86
+1.09 (+61.58%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap105.88M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 143 | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.82% | ||
| ROE | 2.59% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 12.29% | ||
| PM (TTM) | 13.08% | ||
| GM | 71.08% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.14
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 2.04 | ||
| Quick Ratio | 2.04 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)-83.77%
EPS 3Y-38.49%
EPS 5Y
EPS Q2Q%
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-17.14%
Revenue growth 3Y-21.96%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y