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TOP Financial Group Ltd

TOP

$11.30 ▲ +0.60 (+5.61%) at close

8 Visible periods

27 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Poor

Bearish

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Analytical Summary

TOP Financial Group Ltd faces fundamental challenges with weakness in Profit Margin (%) and Operating Margin (%). The fundamentals warrant careful consideration of downside risks.

Market Cap $418.9M

Dividend Yield —

Revenue Growth 41.9%

Op. Margin -24.9% ↗

ROIC -2.7% ↗

FCF / Share $0.35 ↗

Trailing P/E —

Price / Book 12.3x

FCF Yield 3.1%

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

8-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$4.72M

↑ +41.9% —

Net Income Profit after all expenses

$-1.17M

↑ +80.4% —

Operating Margin Operating profit as % of sales

-24.9%

↑ +85.8% 7th

FCF / Share Free cash flow per share

$0.35

↑ +190.6% —

trending_up

Bullish Indicators

No bullish signals detected.

warning

Bearish Risks

Operating Margin (%)Operating Margin (%) is in the bottom quartile
Profit Margin (%)Profit Margin (%) is in the bottom quartile

Health Breakdown

Profitability ↑

Returns

Cash Quality

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📈 Is growth accelerating? 7 metrics

Metric	FY 2026 Mar 31, 2026 10-K ↗	FY 2025 Mar 31, 2025 10-K ↗	FY 2024 Mar 31, 2024 20-F ↗	FY 2023 Mar 31, 2023 20-F ↗	FY 2022 Mar 31, 2022 20-F ↗	FY 2021 Mar 31, 2021 20-F ↗	FY 2020 Mar 31, 2020 20-F ↗	FY 2019 Mar 31, 2019 20-F ↗
Revenue Growth YoY (%)	41.9% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+598%)	—	—	24.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+300%)	-53.7% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-996%)	2.5% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-59%)	—	—
EPS Growth YoY (%)	81.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	N/M	-70.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-16.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-29.4% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	112.5% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	80.4% Excellent ↑ Excellent Improving Year-over-year change in net income	N/M	-69.1% Weak ↓ Weak Declining Year-over-year change in net income	-2.7% Weak ↓ Weak Declining Year-over-year change in net income	-30.8% Weak Weak Year-over-year change in net income	98.7% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%)	N/M	N/M	N/M	N/M	-63.4% Weak Weak Year-over-year change in free cash flow	N/M	—	—
Revenue CAGR 3Y (%)	-21.3% Weak → Weak Stable Compound annual revenue growth over 3 years	-24.8% Weak Weak Compound annual revenue growth over 3 years	—	-16.2% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	-22.5% Weak Weak Compound annual revenue growth over 5 years	-27.4% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	—	—	-43.9% Weak Weak Compound annual EPS growth over 3 years	7.7% Fair Fair Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2026 Mar 31, 2026 10-K ↗	FY 2025 Mar 31, 2025 10-K ↗	FY 2024 Mar 31, 2024 20-F ↗	FY 2023 Mar 31, 2023 20-F ↗	FY 2022 Mar 31, 2022 20-F ↗	FY 2021 Mar 31, 2021 20-F ↗	FY 2020 Mar 31, 2020 20-F ↗	FY 2019 Mar 31, 2019 20-F ↗
Operating Margin (%) (%)	-24.9% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-200%)	-174.9% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-800%)	—	—	—	—	—	—
Effective Tax Rate (%) (%)	—	—	-6.4% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.9% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	2.5% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	1.4% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	2.2% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	-24.8% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-213%)	-179.3% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-915%)	—	35.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+59%)	44.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+103%)	29.8% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+36%)	15.4% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-30%)	—
FCF Margin (%) (%)	277.8% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	-434.8% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	—	-62.2% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	20.3% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	25.6% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	-5.7% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	—
FCF / Net Income (x)	-11.21x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	2.42x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	16.88x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	-1.78x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.45x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	0.86x Caution Caution Free cash flow relative to reported net income Optimal: > 1x	-0.37x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2026 Mar 31, 2026 10-K ↗	FY 2025 Mar 31, 2025 10-K ↗	FY 2024 Mar 31, 2024 20-F ↗	FY 2023 Mar 31, 2023 20-F ↗	FY 2022 Mar 31, 2022 20-F ↗	FY 2021 Mar 31, 2021 20-F ↗	FY 2020 Mar 31, 2020 20-F ↗	FY 2019 Mar 31, 2019 20-F ↗
Return on Invested Capital (%)	-2.7% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	-13.2% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	—	—	—	—	—	—
Return on Capital (%) (%)	-1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-12.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.8% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	—	—
Return on Common Equity (%) (%)	-3.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-129%)	-17.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-243%)	2.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-78%)	9.5% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-21%)	34.2% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+185%)	74.7% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+522%)	39.5% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+229%)	—

⚖️ Is the balance sheet risky? 1 metrics

Metric	FY 2026 Mar 31, 2026 10-K ↗	FY 2025 Mar 31, 2025 10-K ↗	FY 2024 Mar 31, 2024 20-F ↗	FY 2023 Mar 31, 2023 20-F ↗	FY 2022 Mar 31, 2022 20-F ↗	FY 2021 Mar 31, 2021 20-F ↗	FY 2020 Mar 31, 2020 20-F ↗	FY 2019 Mar 31, 2019 20-F ↗
Net Debt (USD)	$-12.99M	$-12.23M	$-25.92M	$-15.97M	$-6.20M	$-4.86M	$-3.64M	—

📊 What does each share earn? 6 metrics

Metric	FY 2026 Mar 31, 2026 10-K ↗	FY 2025 Mar 31, 2025 10-K ↗	FY 2024 Mar 31, 2024 20-F ↗	FY 2023 Mar 31, 2023 20-F ↗	FY 2022 Mar 31, 2022 20-F ↗	FY 2021 Mar 31, 2021 20-F ↗	FY 2020 Mar 31, 2020 20-F ↗	FY 2019 Mar 31, 2019 20-F ↗
Revenue per Share (USD)	$0.13	$0.09	—	$0.28	$0.26	$0.56	$0.55	—
Basic EPS, GAAP (USD)	$-0.03	$-0.16	$0.03	$0.10	$0.12	$0.17	$0.08	—
Free Cash Flow per Share (USD)	$0.35	$-0.39	$0.55	$-0.18	$0.05	$0.14	$-0.03	—
Book Value per Share (USD)	$0.92	$0.94	$1.26	$1.03	$0.34	$0.23	$0.21	—
Tangible Book Value per Share (USD)	$0.91	$0.94	$1.25	$1.03	$0.34	$0.23	$0.21	—
Basic Weighted Avg Shares (shares)	37.07M	37.03M	32.28M	34.17M	30.00M	30.00M	30.00M	—

🏦 How resilient is the balance sheet? 1 metrics

Metric	FY 2026 Mar 31, 2026 10-K ↗	FY 2025 Mar 31, 2025 10-K ↗	FY 2024 Mar 31, 2024 20-F ↗	FY 2023 Mar 31, 2023 20-F ↗	FY 2022 Mar 31, 2022 20-F ↗	FY 2021 Mar 31, 2021 20-F ↗	FY 2020 Mar 31, 2020 20-F ↗	FY 2019 Mar 31, 2019 20-F ↗
Total Equity (USD)	$33.94M	$34.89M	$40.53M	$35.95M	$10.20M	$6.75M	$6.43M	$4.51M

📋 What is driving earnings? 4 metrics

Metric	FY 2026 Mar 31, 2026 10-K ↗	FY 2025 Mar 31, 2025 10-K ↗	FY 2024 Mar 31, 2024 20-F ↗	FY 2023 Mar 31, 2023 20-F ↗	FY 2022 Mar 31, 2022 20-F ↗	FY 2021 Mar 31, 2021 20-F ↗	FY 2020 Mar 31, 2020 20-F ↗	FY 2019 Mar 31, 2019 20-F ↗
Sales/Revenue/Turnover (USD)	$4.72M	$3.33M	—	$9.70M	$7.82M	$16.91M	$16.50M	—
Depreciation Expense (USD)	$35.34K	$33.90K	$28.52K	$25.50K	$10.78K	$13.29K	$17.86K	—
Net Income, GAAP (USD)	$-1.17M	$-5.97M	$1.05M	$3.40M	$3.49M	$5.04M	$2.54M	—
Operating Cash Flow (USD)	$14.02M	$-14.47M	$17.76M	$-6.03M	$1.58M	$4.33M	$-938.35K	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 8 years · 8 quarters

TOP Financial Group Ltd

Analytical Summary

8-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

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