TOP Financial Group Ltd
TOP
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.
12-Year Financial Trajectory
QuarterlyBullish Indicators
- No bullish signals detected.
Bearish Risks
- Operating Margin (%)Operating Margin (%) is in the bottom quartile
- Profit Margin (%)Profit Margin (%) is in the bottom quartile
Health Breakdown
Statement lens
Choose the reporting cadence, isolate a period range, or search directly for a metric.
| Metric | Q2 FY2027 Sep 30, 2026 10-Q ↗ | Q1 FY2027 Jun 30, 2026 10-Q ↗ | Q4 FY2026 Mar 31, 2026 10-Q ↗ | Q2 FY2026 Sep 30, 2025 10-Q ↗ | Q1 FY2026 Jun 30, 2025 10-Q ↗ | Q4 FY2025 Mar 31, 2025 10-K ↗ | Q4 FY2024 Mar 31, 2024 20-F ↗ | Q4 FY2023 Mar 31, 2023 20-F ↗ | Q4 FY2022 Mar 31, 2022 20-F ↗ | Q4 FY2021 Mar 31, 2021 20-F ↗ | Q4 FY2020 Mar 31, 2020 20-F ↗ | Q4 FY2019 Mar 31, 2019 20-F ↗ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue Growth YoY (%) |
43.9%
Excellent
Excellent
Year-over-year change in total revenue
Optimal:
> 10%
vs Sector:
Above avg (+632%)
|
-19.3%
Weak
Weak
Year-over-year change in total revenue
Optimal:
> 10%
vs Sector:
Below avg (-421%)
|
— | — | — | — | — | — | — | — | — | — |
| Net Income Growth YoY (%) |
162.3%
Excellent
Excellent
Year-over-year change in net income |
N/M | — | — | — | — | — | — | — | — | — | — |
| FCF Growth YoY (%) | N/M |
-16.4%
Weak
Weak
Year-over-year change in free cash flow |
— | — | — | — | — | — | — | — | — | — |
| Metric | Q2 FY2027 Sep 30, 2026 10-Q ↗ | Q1 FY2027 Jun 30, 2026 10-Q ↗ | Q4 FY2026 Mar 31, 2026 10-Q ↗ | Q2 FY2026 Sep 30, 2025 10-Q ↗ | Q1 FY2026 Jun 30, 2025 10-Q ↗ | Q4 FY2025 Mar 31, 2025 10-K ↗ | Q4 FY2024 Mar 31, 2024 20-F ↗ | Q4 FY2023 Mar 31, 2023 20-F ↗ | Q4 FY2022 Mar 31, 2022 20-F ↗ | Q4 FY2021 Mar 31, 2021 20-F ↗ | Q4 FY2020 Mar 31, 2020 20-F ↗ | Q4 FY2019 Mar 31, 2019 20-F ↗ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Margin (%) (%) |
12.4%
Fair
↑
Fair
Improving
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-50%)
|
-35.9%
Weak
↓
Weak
Declining
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-244%)
|
— |
6.8%
Caution
Caution
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-73%)
|
6.4%
Caution
Caution
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-74%)
|
— | — | — | — | — | — | — |
| Profit Margin (%) (%) |
12.4%
Fair
↑
Fair
Improving
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-44%)
|
-10.5%
Weak
↓
Weak
Declining
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-148%)
|
— |
6.8%
Caution
Caution
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-69%)
|
6.4%
Caution
Caution
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-71%)
|
— | — | — | — | — | — | — |
| FCF Margin (%) (%) |
-381.4%
Weak
Weak
Free cash flow as a percentage of revenue
Optimal:
> 10%
|
— | — |
272.9%
Excellent
Excellent
Free cash flow as a percentage of revenue
Optimal:
> 10%
|
— | — | — | — | — | — | — | — |
| FCF / Net Income (x) |
-30.73x
Weak
↓
Weak
Declining
Free cash flow relative to reported net income
Optimal:
> 1x
|
-53.17x
Weak
↓
Weak
Declining
Free cash flow relative to reported net income
Optimal:
> 1x
|
— |
40.08x
Excellent
Excellent
Free cash flow relative to reported net income
Optimal:
> 1x
|
83.01x
Excellent
Excellent
Free cash flow relative to reported net income
Optimal:
> 1x
|
— | — | — | — | — | — | — |
| Metric | Q2 FY2027 Sep 30, 2026 10-Q ↗ | Q1 FY2027 Jun 30, 2026 10-Q ↗ | Q4 FY2026 Mar 31, 2026 10-Q ↗ | Q2 FY2026 Sep 30, 2025 10-Q ↗ | Q1 FY2026 Jun 30, 2025 10-Q ↗ | Q4 FY2025 Mar 31, 2025 10-K ↗ | Q4 FY2024 Mar 31, 2024 20-F ↗ | Q4 FY2023 Mar 31, 2023 20-F ↗ | Q4 FY2022 Mar 31, 2022 20-F ↗ | Q4 FY2021 Mar 31, 2021 20-F ↗ | Q4 FY2020 Mar 31, 2020 20-F ↗ | Q4 FY2019 Mar 31, 2019 20-F ↗ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Return on Invested Capital (%) |
0.2%
Weak
Weak
Return earned on debt + equity capital invested
Optimal:
> 10%
|
-0.8%
Weak
Weak
Return earned on debt + equity capital invested
Optimal:
> 10%
|
— | — | — | — | — | — | — | — | — | — |
| Return on Capital (%) (%) |
0.2%
Weak
Weak
Operating profit relative to total assets
Optimal:
> 10%
|
-0.2%
Weak
Weak
Operating profit relative to total assets
Optimal:
> 10%
|
— | — | — | — | — | — | — | — | — | — |
| Return on Common Equity (%) (%) |
0.2%
Weak
Weak
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-98%)
|
-0.3%
Weak
Weak
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-103%)
|
— | — | — | — | — | — | — | — | — | — |
| Metric | Q2 FY2027 Sep 30, 2026 10-Q ↗ | Q1 FY2027 Jun 30, 2026 10-Q ↗ | Q4 FY2026 Mar 31, 2026 10-Q ↗ | Q2 FY2026 Sep 30, 2025 10-Q ↗ | Q1 FY2026 Jun 30, 2025 10-Q ↗ | Q4 FY2025 Mar 31, 2025 10-K ↗ | Q4 FY2024 Mar 31, 2024 20-F ↗ | Q4 FY2023 Mar 31, 2023 20-F ↗ | Q4 FY2022 Mar 31, 2022 20-F ↗ | Q4 FY2021 Mar 31, 2021 20-F ↗ | Q4 FY2020 Mar 31, 2020 20-F ↗ | Q4 FY2019 Mar 31, 2019 20-F ↗ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Debt (USD) | $-8.90M | $-10.41M | $-12.99M | — | — | $-12.23M | $-25.92M | $-15.97M | $-6.20M | $-4.86M | $-3.64M | — |
| Metric | Q2 FY2027 Sep 30, 2026 10-Q ↗ | Q1 FY2027 Jun 30, 2026 10-Q ↗ | Q4 FY2026 Mar 31, 2026 10-Q ↗ | Q2 FY2026 Sep 30, 2025 10-Q ↗ | Q1 FY2026 Jun 30, 2025 10-Q ↗ | Q4 FY2025 Mar 31, 2025 10-K ↗ | Q4 FY2024 Mar 31, 2024 20-F ↗ | Q4 FY2023 Mar 31, 2023 20-F ↗ | Q4 FY2022 Mar 31, 2022 20-F ↗ | Q4 FY2021 Mar 31, 2021 20-F ↗ | Q4 FY2020 Mar 31, 2020 20-F ↗ | Q4 FY2019 Mar 31, 2019 20-F ↗ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Equity (USD) | $117.01M | $36.70M | $33.94M | — | — | $34.89M | $40.53M | $35.95M | $10.20M | $6.75M | $6.43M | $4.51M |
| Metric | Q2 FY2027 Sep 30, 2026 10-Q ↗ | Q1 FY2027 Jun 30, 2026 10-Q ↗ | Q4 FY2026 Mar 31, 2026 10-Q ↗ | Q2 FY2026 Sep 30, 2025 10-Q ↗ | Q1 FY2026 Jun 30, 2025 10-Q ↗ | Q4 FY2025 Mar 31, 2025 10-K ↗ | Q4 FY2024 Mar 31, 2024 20-F ↗ | Q4 FY2023 Mar 31, 2023 20-F ↗ | Q4 FY2022 Mar 31, 2022 20-F ↗ | Q4 FY2021 Mar 31, 2021 20-F ↗ | Q4 FY2020 Mar 31, 2020 20-F ↗ | Q4 FY2019 Mar 31, 2019 20-F ↗ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales/Revenue/Turnover (USD) | $2.21M | $1.08M | — | $1.54M | $1.33M | — | — | — | — | — | — | — |
| Depreciation Expense (USD) | $58.86K | $57.65K | — | $668.00 | $7.47K | — | — | — | — | — | — | — |
| Net Income, GAAP (USD) | $274.26K | $-113.43K | — | $104.55K | $85.99K | — | — | — | — | — | — | — |
| Operating Cash Flow (USD) | $-8.42M | $6.03M | — | $4.19M | $7.14M | — | — | — | — | — | — | — |
Secondary lens
Benchmark Lens
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Open lens
Benchmark Lens
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Signals
Key bullish and bearish indicators for TOP
No bullish signals detected
Operating Margin (%) is in the bottom quartile
Profit Margin (%) is in the bottom quartile
Percentile Rankings
How TOP compares to all companies
Peer Comparison
TOP vs similar peers
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Stack TOP against similar companies across every metric on this page.
north_east Open comparisonbar_chart Data from SEC EDGAR XBRL filings
Synced 4 days ago 8 years · 12 quarters