NASDAQ
TOP
Last Price
US $10.94
Valuation
Financial
Performance
Cash flow to debt coverage
TOP Financial Group Limited cash flow to debt ratio of -506.04% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.
Free cash flow growth
TOP Financial Group Limited's free cash flow has decreased 181.54% from $17.75M last year to $-14.47M, signaling decreasing performance
Debt-to-equity ratio
TOP Financial Group Limited's debt to equity ratio is 0.08, which means that the company's assets are healthy financed, signaling financial stability.
Debt-to-equity trend
TOP Financial Group Limited's debt has increased relative to shareholder equity from 0.01 last year to 0.08 today, signaling weakened financials
Net debt to EBITDA
TOP Financial Group Limited has a net cash position, so leverage is healthy.
Interest coverage
TOP Financial Group Limited earns at least as much interest as it pays. Interest obligations are fully covered.
Profit margin growth
TOP Financial Group Limited's profit margin has increased (-86.18%) in the last year from -179.30% to -24.79%, signaling increasing performance
Current ratio
TOP Financial Group Limited's short-term assets of $77.89M exceed its short-term liabilities of $49.54M
Return on assets
TOP Financial Group Limited's return on assets of 0.00% is lower than the 5.00% threshold, indicating inefficient asset utilization
Return on equity
TOP Financial Group Limited's return on equity of -3.40%, is lower than 15.00%, indicating bad performance
Earnings quality
TOP Financial Group Limited's operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation
Earnings stability
TOP Financial Group Limited has insufficient public price history to evaluate earnings stability.
Positive free cash flow
TOP Financial Group Limited has negative free cash flow, indicating the company is burning cash rather than generating it
Free cash flow yield
TOP Financial Group Limited has negative free cash flow, indicating cash burn
Earnings growth
TOP Financial Group Limited's yearly earnings has increased -80.33% since last year from $-5.97M to $-1.17M, signaling increasing performance
Revenue growth
TOP Financial Group Limited's yearly revenue has increased 41.89% since last year from $3.33M to $4.72M, signaling increasing performance
Return on invested capital
ROIC -1.81% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.
3-year revenue CAGR
TOP Financial Group Limited's 3-year revenue CAGR of -21.31% is negative, indicating declining revenue over the past 3 years
Revenue consistency
TOP Financial Group Limited had revenue growth in only 2 out of 5 years, indicating inconsistent revenue performance
Return on equity consistency
TOP Financial Group Limited has insufficient public price history to evaluate ROE consistency.
Cash Flow Valuation (DCF)
TOP Financial Group Limited has insufficient data to evaluate this check.
Earnings yield (TTM)
TOP Financial Group Limited has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails
EBITDA Valuation
TOP Financial Group Limited is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model
EV/EBITDA (FY)
TOP Financial Group Limited has negative or missing EBITDA, making EV/EBITDA ratio unreliable
PEG ratio (TTM/FY)
TOP Financial Group Limited has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails
Price-to-book ratio (FY)
TOP Financial Group Limited has a price-to-book ratio of 2.52x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Price-to-sales ratio (TTM)
TOP Financial Group Limited has a price-to-sales ratio of 18.24x, which exceeds the 8.00x threshold, indicating the stock may be overvalued relative to its revenue
Profit margin
Current Ratio
Capital Returns
-15.83%
Return on equity
ROIC: -16.98%
Valuation History
-
Price to Earnings
EV/EBITDA: -
Cash flow
Profit margin
-
Cash flow
-42.14%
Fair Value
Market $10.94
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Default assumptions
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