QualityDipStocks / Finance · Brokers & investment banks
TOP Financial Group TOP
Outside our quality screen, so we don’t track its dips. It’s 35% below its 52-week high.
Outside our quality screen, 21% under its Market Value. No fair value estimate for now: its share count is unclear.
- Fair value est.
- n/a
- Market Value
- $13.76price −21%
- Off 52-wk high
- −35%
- Risk vs market
- Above marketbeta 1.10
52-week range 57% of the way from its 52-week low to its high
Price $10.86Market Value $13.76
1 bullish · 5 bearish See why
Valuation
What we estimate it's worth, and how it ranks on value vs every stock we cover.
Fair value estimate
No estimate for TOP: SEC share count doesn't match the listed shares (share class / ADR ratio unclear). We’d rather show nothing than a made-up number.
Risk vs market
How risk vs market is measured
One year of daily returns (Oct 31 to Nov 2, 252 sessions). Beta = how much TOP moved for each 1% move in the S&P 500 (SPY); 1.0 moves with the market. Volatility is the yearly standard deviation of daily returns. Past behavior, not a forecast.
Swings more than the market, and its own price swings are 7.2× the S&P 500’s.
- Beta vs S&P 500
- 1.10
- Volatility
- 92% vs 13% SPY
- Correlation SPY
- 0.15
- Correlation QQQ
- 0.14
Valuation details
MV $13.76
Fundamentals
The business itself: sales, profits, cash and debt, from SEC filings.
Bull vs bear
Rule-based from the data on this page, strongest first. Not advice.
Top bullish points 1 of 5
ValuationTrades 21.1% below its Market Value of $13.76, the average price paid since the Jul 20 filing.
Top bearish points 5 of 5
GrowthSales shrank 21% a year from FY2023 to FY2026.
ValuationPrice / book of 11.1×, above the 1.6× median for the 368 Finance companies we cover.
ProfitabilityNet margin of −23%, below the 22% median for the 350 Finance companies we cover.
ProfitabilityReturn on equity fell 6 points in two fiscal years, to -3% in FY2026.
QualityDoesn’t pass our quality screen: no positive free cash flow; ROE under 12% and ROIC under 10%.
All fundamentals
ROE -1%
Valuation
- P/E
- n/aloss over the last 12 months
- Price / FCF
- n/acash flow isn't a clean measure for a lender
- FCF yield
- n/acash flow isn't a clean measure for a lender
- EV / EBITDA
- n/anot meaningful for a lender
- Price / sales
- 252.84×
- Price / book
- 11.11×
- Market cap
- $1.3Blisted
- Enterprise value
- n/anot reported in its SEC filings
Growth
- Revenue, 12 months
- $5M
- Sales growth, 12 months
- n/ano year-ago 12-month revenue
- Sales growth, 3 yrs
- −21.3%/yrfrom FY2023
- Diluted EPS, 12 months
- −$0.06
- EPS growth, last FY
- n/afewer than two years of diluted EPS
- Net income, 12 months
- −$1M
- Net income growth
- n/anot reported in its SEC filings
Profitability
- Gross margin
- n/anot meaningful for a lender
- Operating margin
- −28.8%
- Net margin
- −23.3%
- FCF margin
- −11.7%
- Return on equity
- −1%
- Return on invested capital
- n/anot meaningful for a lender
Balance sheet
- Cash & short-term inv.
- $9M
- Total debt
- n/anot reported in its SEC filings
- Net cash
- n/anot meaningful for a lender
- Debt / equity
- n/adeposits/float make debt/equity not comparable for a lender
- Interest coverage
- n/anot meaningful for a lender
Cash flow & returns
- Free cash flow, 12 months
- −$601,617
- FCF growth, 12 months
- n/anot reported in its SEC filings
- Dividend yield
- n/ano dividend payments tagged
- Payout ratio
- n/anot reported in its SEC filings
- Buybacks, 12 months
- n/anot reported in its SEC filings
- Share count, 1 year
- n/ano quarterly diluted share count
- Stock-based comp
- $74,999
Trailing 12 months to Sep 30, 2026; balance sheet at Sep 30, 2026. From TOP Financial Group’s SEC filings. Sparklines show up to six fiscal years. n/a means we don’t hold that number, with the reason. How each is computed.
The business
Sales +44%
- Return on equity−2%
- Sales growth (latest quarter vs year-ago quarter)+44%
Chart & levels
Where the price is vs its key levels and trends.
Key levels
Every level vs today’s $10.86
- 52-wk lowlowest close, 1 year$3.11−71.4%
- PriceMon Nov 2 close$10.86you are here
- Market Valueavg paid since Jul 20$13.76+26.7%
- 52-wk highhighest close, 1 year$16.73+54.1%
Momentum & 52-week range
RSI 29 · 5 days −28.8%
Signals
Reversal signal setups, the public ledger and the next earnings date.
Setup & signals
No setup armed
No setup armed, so there’s no trigger or stop to track yet. Reversal signal rules only run on companies that pass our quality screen.
TOP is outside our quality screen
One text when a published rule fires on one of the 332 quality companies we track: the ticker, the price, the stop and a link to the numbers. Nothing else.
Voices & buzz
Who is talking about it, and how it compares with peers.
Who’s talking about it
Notable investors, executives, analysts and public figures on TOP Financial Group in the last 48 hours. Headlines as published, each linked. Their words, not ours.
No notable mentions in the last 48 hours. Checked Nov 3, 5:14 PM ET.
Compare with peers
Closest in size in Brokers & investment banks
Information only, not investment advice. Fair value estimates and talking points are rule-based model output from public data and can be wrong; stop levels are reference points, not orders. How every number is computed.