TOP FINANCIAL GROUP LTD A (TOP)
KYG989A61029 - Common Stock
Taking everything into account, TOP scores 4 out of 10 in our fundamental rating. TOP was compared to 218 industry peers in the Capital Markets industry. While TOP has a great health rating, its profitability is only average at the moment. TOP is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
TOP had positive earnings in the past year.
In the past year TOP had a positive cash flow from operations.
TOP had positive earnings in each of the past 5 years.
In multiple years TOP reported negative operating cash flow during the last 5 years.
1.2 Ratios
With a Return On Assets value of 1.82%, TOP perfoms like the industry average, outperforming 44.19% of the companies in the same industry.
Looking at the Return On Equity, with a value of 2.59%, TOP is doing worse than 72.09% of the companies in the same industry.
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 72.56% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for TOP is significantly below the industry average of 17.60%.
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 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
TOP has a Profit Margin of 13.08%. This is comparable to the rest of the industry: TOP outperforms 42.79% of its industry peers.
TOP's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 12.29%, TOP is doing worse than 68.84% of the companies in the same industry.
TOP's Operating Margin has declined in the last couple of years.
Looking at the Gross Margin, with a value of 71.08%, TOP is in the better half of the industry, outperforming 73.49% of the companies in the same industry.
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
TOP has more shares outstanding than it did 1 year ago.
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.
2.2 Solvency
TOP has an Altman-Z score of 3.01. This indicates that TOP is financially healthy and has little risk of bankruptcy at the moment.
The Altman-Z score of TOP (3.01) is better than 77.21% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 3.01 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 2.04 indicates that TOP has no problem at all paying its short term obligations.
Looking at the Current ratio, with a value of 2.04, TOP is in the better half of the industry, outperforming 68.37% of the companies in the same industry.
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 68.37% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.04 | ||
| Quick Ratio | 2.04 |
3. Growth
3.1 Past
The earnings per share for TOP have decreased strongly by -83.77% in the last year.
Measured over the past years, TOP shows a decrease in Earnings Per Share. The EPS has been decreasing by -4.02% on average per year.
The Revenue for TOP has decreased by -17.14% 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)-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 84.00, TOP can be considered very expensive at the moment.
Compared to the rest of the industry, the Price/Earnings ratio of TOP indicates a rather expensive valuation: TOP more expensive than 81.86% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of TOP to the average of the S&P500 Index (30.20), we can say TOP is valued expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 84 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of TOP is on the same level as its industry peers.
Based on the Price/Free Cash Flow ratio, TOP is valued cheaper than 89.30% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.5 | ||
| EV/EBITDA | 34.96 |
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
No dividends for TOP!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
TOP FINANCIAL GROUP LTD A
NASDAQ:TOP (11/4/2024, 8:00:00 PM)
After market: 1.6404 -0.04 (-2.36%)1.68
+0.02 (+1.2%)
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 Cap62.19M
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 | 84 | ||
| 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