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TOP FINANCIAL GROUP LTD A (TOP) Stock Fundamental Analysis

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

1.225  -0.01 (-1.21%)

After market: 1.242 +0.02 (+1.39%)

Fundamental Rating

3

Taking everything into account, TOP scores 3 out of 10 in our fundamental rating. TOP was compared to 233 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 does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year TOP has reported negative net income.
TOP had a positive operating cash flow in the past year.
In the past 5 years TOP has always 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

TOP has a Return On Assets of 1.82%. This is comparable to the rest of the industry: TOP outperforms 45.06% of its industry peers.
TOP has a worse Return On Equity (2.59%) than 69.53% of its industry peers.
With a Return On Invested Capital value of 1.93%, TOP is not doing good in the industry: 66.95% of the companies in the same industry are doing better.
TOP had an Average Return On Invested Capital over the past 3 years of 12.41%. This is above the industry average of 7.84%.
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 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 of 13.08%. This is comparable to the rest of the industry: TOP outperforms 46.78% of its industry peers.
In the last couple of years the Profit Margin of TOP has grown nicely.
TOP's Operating Margin of 12.29% is on the low side compared to the rest of the industry. TOP is outperformed by 70.39% 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 76.39% of its industry peers.
TOP's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 12.29%
PM (TTM) 13.08%
GM 71.08%
OM growth 3Y-25.95%
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

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.
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 2.44 indicates that TOP is not a great score, but indicates only limited risk for bankruptcy at the moment.
TOP has a Altman-Z score of 2.44. This is in the better half of the industry: TOP outperforms 72.96% 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 2.44
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

A Current Ratio of 2.04 indicates that TOP has no problem at all paying its short term obligations.
TOP's Current ratio of 2.04 is fine compared to the rest of the industry. TOP outperforms 68.67% 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.
Looking at the Quick ratio, with a value of 2.04, TOP is in the better half of the industry, outperforming 68.67% of the companies in the same industry.
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 -165.05%.
The Earnings Per Share has been decreasing by -4.01% on average over the past years.
The Revenue for TOP has decreased by -76.64% in the past year. This is quite bad
Measured over the past years, TOP shows a decrease in Revenue. The Revenue has been decreasing by -5.70% on average per year.
EPS 1Y (TTM)-165.05%
EPS 3Y-38.48%
EPS 5Y-4.01%
EPS Q2Q%-111.64%
Revenue 1Y (TTM)-76.64%
Revenue growth 3Y-21.96%
Revenue growth 5Y-5.7%
Sales Q2Q%-74.22%

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

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2

4. Valuation

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

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of TOP indicates a somewhat cheap valuation: TOP is cheaper than 74.68% of the companies listed in the same industry.
87.55% of the companies in the same industry are more expensive than TOP, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 2.55
EV/EBITDA 19.12
TOP Per share dataTOP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 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 (6/30/2025, 8:00:01 PM)

After market: 1.242 +0.02 (+1.39%)

1.225

-0.01 (-1.21%)

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 Owners0.42%
Inst Owner Change19.07%
Ins Owners0.07%
Ins Owner ChangeN/A
Market Cap45.35M
AnalystsN/A
Price TargetN/A
Short Float %1.41%
Short Ratio1.84
Dividend
Industry RankSector Rank
Dividend Yield N/A
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 5.64
P/FCF 2.55
P/OCF 2.55
P/B 1.12
P/tB 1.12
EV/EBITDA 19.12
EPS(TTM)-0.1
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.48
FCFY39.15%
OCF(TTM)0.48
OCFY39.16%
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-37.35%
ROICexc growth 3Y-70.78%
ROICexc growth 5Y-36.1%
OM growth 3Y-25.95%
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 21.4%
Cap/Sales 0.08%
Interest Coverage 250
Cash Conversion 1747.36%
Profit Quality 1688.29%
Current Ratio 2.04
Quick Ratio 2.04
Altman-Z 2.44
F-Score5
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)1473.8%
Cap/Depr(5y)924.28%
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)-165.05%
EPS 3Y-38.48%
EPS 5Y-4.01%
EPS Q2Q%-111.64%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-76.64%
Revenue growth 3Y-21.96%
Revenue growth 5Y-5.7%
Sales Q2Q%-74.22%
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%