Stock AnalizTOP Financial Group Ltd TOP
Investment Bankers/Brokers/Service · IPO 2022 · data as of November 13, 2026
TOP Financial Group Ltd (TOP) is a financial company listed in the US with a market value of about $2.1B. In the twelve months to September 30, 2026 it had revenue of $5M and net income of -$1M, a net margin of -23.3%.
Its overall Stock Analiz score is 1.0 out of 5 (weak). The strongest part is future growth (3/5); the weakest is value (0/5).
Key numbers: 5-year revenue growth of -23% a year, a 5-year average ROIC of -8%. A discounted cash flow model with moderate assumptions puts its intrinsic value about 100% below the current price.
Score: 1.0 / 5
Checks passed
- Revenue growth above 10% last year
- Profit margin improving
- Strong R&D investment or growth above 20%
- More cash than debt, or low debt to equity
- Stock-based pay below 5% of revenue
Checks not passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- 5-year EPS growth above 10% a year
Valuation
Growth and quality
Financials, last 7 years
| Fiscal year | TTM | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $5M | $5M | $3M | $8M | $10M | $8M | $17M | $17M |
| Net income | -$1M | -$1M | -$6M | $1M | $3M | $3M | $5M | $3M |
| Free cash flow | -$601617 | $13M | -$14M | $18M | -$6M | $1M | — | — |
| EPS (diluted) | $-0.01 | $-0.01 | $-0.05 | $0.01 | $0.03 | $0.03 | $0.04 | $0.02 |
| Net margin | -23.3% | -24.8% | -179.3% | 13.1% | 35.0% | 44.6% | 29.8% | 15.4% |
| ROIC | — | -2.6% | -13.1% | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
Frequently asked questions
Is TOP Financial Group stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 100% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does TOP Financial Group pay a dividend?
Not currently.
Is TOP Financial Group a good stock to buy?
We do not give buy or sell advice. TOP Financial Group scores 1.0 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.