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TOP

BEARISH
$0.89 Live
TOP Financial Group Limited · NASDAQ
$0.61 52W Range $3.33

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 21, 2026
Market cap
$32.91M
P/E
N/A
ROE
-14.2%
Profit margin
-122.3%
Debt/Equity
0.01
Dividend yield
N/A

AI Analysis

AI-powered fundamental assessment

Confidence
85%
TOP Financial Group presents a high-risk profile characterized by a stable Piotroski F-Score of 5/9 but severe fundamental imbalances. While the company exhibits strong top-line revenue growth (55.70%) and maintains a healthy liquidity position with low debt, these are completely offset by a catastrophic net profit margin of -122.35%. The long-term price performance is devastating, with a 94.8% decline over five years, suggesting a persistent failure to create shareholder value despite recent short-term price bounces.

Key Strengths

Strong YoY revenue growth of 55.70%
Very low leverage with a Debt/Equity ratio of 0.01
Healthy short-term liquidity (Current Ratio 1.96, Quick Ratio 1.66)
Trading slightly below book value (P/B 0.94)
Positive operating margin (6.64%) indicating core business viability before non-operating losses

Key Risks

Severe net losses with a profit margin of -122.35%
Negative returns on equity (-14.23%) and assets (-8.58%)
Extreme long-term price decay (-94.8% over 5 years)
Micro-cap volatility and lack of institutional analyst coverage
High Price-to-Sales ratio (7.56) relative to lack of profitability
AI Fair Value Estimate
Based on comprehensive analysis
$0.82
-7.6% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
33
Weak
Value
45
Future
50
Past
10
Health
60
Dividend
0
AI Verdict
Speculative / High Risk
Key drivers: Extreme net losses, Long-term price collapse, Strong revenue growth, Low debt levels
Confidence
90%
Value
45/100

Valuation is anchored only by book value as earnings-based metrics are unavailable.

Positives
  • P/B ratio under 1.0
Watchpoints
  • High P/S ratio
  • No P/E due to negative earnings
Future
50/100

Growth is present but currently inefficient and value-destructive.

Positives
  • Revenue growth outperforming sector average (55.7% vs 39.48%)
Watchpoints
  • Inability to convert revenue growth into net profit
Past
10/100

Historical performance is catastrophic.

Positives
  • Recent 1-week recovery (+11.3%)
Watchpoints
  • 5-year return of -94.8%
  • Consistent downward trend over 3 years
Health
60/100

Balance sheet is structurally sound, but operational efficiency is poor.

Positives
  • Piotroski F-Score 5/9 (Stable)
  • Minimal debt
  • Strong current ratio
Watchpoints
  • Negative ROE and ROA
Dividend
0/100

Company is in a growth/loss phase; no capital return to shareholders.

Positives
No standout positives identified.
Watchpoints
  • No dividend payments
  • 0/100 dividend strength

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$0.89

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for TOP and closest competitors.

Updated 2026-04-20
TOP
TOP Financial Group Limited
Primary
5Y
-94.8%
3Y
-85.8%
1Y
-21.4%
6M
-27.2%
1M
+7.0%
1W
+11.3%
BNK
Bonk, Inc.
Peer
5Y
-96.9%
3Y
-72.4%
1Y
-65.3%
6M
-76.8%
1M
+83.6%
1W
+72.7%
RAN
Rand Capital Corporation
Peer
5Y
+0.3%
3Y
+35.3%
1Y
-39.0%
6M
-14.3%
1M
+0.2%
1W
-3.5%
GRA
Grande Group Limited
Peer
5Y
-72.4%
3Y
-72.4%
1Y
-72.4%
6M
-57.7%
1M
-24.4%
1W
+13.4%
HER
Herzfeld Credit Income Fund, Inc.
Peer
5Y
-1.1%
3Y
+15.1%
1Y
+35.1%
6M
+21.4%
1M
-6.3%
1W
+2.7%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
N/A
Forward P/E
N/A
PEG Ratio
N/A
P/B Ratio
0.94
P/S Ratio
7.56
EV/Revenue
4.02
EV/EBITDA
N/A
Market Cap
$32.91M

Profitability

Profit margins and return metrics

Profit Margin -122.35%
Operating Margin 6.64%
Gross Margin 50.43%
ROE -14.23%
ROA -8.58%

Growth

Revenue and earnings growth rates

Revenue Growth +55.7%
Earnings Growth N/A
Q/Q Revenue Growth N/A
Q/Q Earnings Growth N/A

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
0.01
Low debt
Current Ratio
1.96
Good
Quick Ratio
1.66
Excellent
Cash/Share
$0.42

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q3 2025

Total Assets
$0.1B
Liabilities
$0.0B
Equity
$0.0B
Debt/Equity
0.83x

Financial Services Sector Comparison

Comparing TOP against 579 companies in the Financial Services sector (106 bullish, 239 neutral, 234 bearish)
Return on Equity (ROE)
-14.23%
This Stock
vs
-0.24%
Sector Avg
+5758.6% (Excellent)
Profit Margin
-122.35%
This Stock
vs
47.47%
Sector Avg
-357.7% (Weaker)
Debt to Equity
0.01
This Stock
vs
1.36
Sector Avg
-99.5% (Less Debt)
Revenue Growth
55.7%
This Stock
vs
39.3%
Sector Avg
+41.7% (Fast Growth)
Current Ratio
1.96
This Stock
vs
3.65
Sector Avg
-46.3% (Weaker)

Similar Companies

Peer comparison within the same industry

SEC Filings

Recent regulatory filings from the SEC EDGAR database

20-F
ANNUAL REPORT
2025-08-13

TOP filed its annual report on Form 20-F on August 13, 2025. Specific financial highlights and risk factors were not provided in the available metadata.

20-F
ANNUAL REPORT
2024-07-30

TOP filed its annual report on Form 20-F on July 30, 2024. Specific financial highlights and risk factors were not provided in the available metadata, but are contained within the full annual filing.

Data sourced from SEC EDGAR. AI summaries generated automatically.

Past News Coverage

Recent headlines mentioning TOP from our newsroom.

Newest → oldest
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