NASDAQ
TOP
Last Price
US $1.83
Valuation
Financial
Performance
Financial risk - Cash flow debt coverage.
TOP Financial Group Limited cash flow to debt ratio of -5.34K% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.
Financial risk - Healthy 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
Financial stability - Healthy debt to equity ratio.
TOP Financial Group Limited's debt to equity ratio is 0.01, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.
Financial risk - Healthy debt to equity ratio development.
TOP Financial Group Limited's debt has increased relative to shareholder equity from 0.00 last year to 0.01 today, signaling weakened financials
Financial risk - Net debt/EBITDA.
TOP Financial Group Limited has negative EBITDA, making leverage ratio unreliable
Financial stability - ICR.
TOP Financial Group Limited earns at least as much interest as it pays. Interest obligations are fully covered.
Financial risk - Profit margin growth.
TOP Financial Group Limited's profit margin has decreased (-1.04K%) in the last year from 13.08% to -122.35%, signaling decreasing performance
Financial stability - Short term assets vs short term liabilities.
TOP Financial Group Limited's short-term assets of $40.00M exceed its short-term liabilities of $11.64M
Decreasing performance - ROA.
TOP Financial Group Limited's return on assets of 0.00% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
TOP Financial Group Limited's return on equity of -15.26%, is lower than 15.00%, indicating bad performance
Decreasing 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
Increasing performance - Earnings stability.
TOP Financial Group Limited had positive net income in 4.00 out of 5 years, indicating stable and consistent earnings
Decreasing performance - Free cash flow.
TOP Financial Group Limited has negative free cash flow, indicating the company is burning cash rather than generating it
Decreasing performance - FCF yield.
TOP Financial Group Limited has negative free cash flow, indicating cash burn
Decreasing performance - Healthy earnings growth.
TOP Financial Group Limited's yearly earnings has decreased -667.68% since last year from $1.05M to $-5.97M, signaling decreasing performance
Decreasing performance - Healthy revenue growth.
TOP Financial Group Limited's yearly revenue has decreased -58.58% since last year from $8.04M to $3.33M, signaling decreasing performance
Decreasing performance - ROIC.
ROIC -16.93% (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.
Decreasing performance - 3-year revenue CAGR.
TOP Financial Group Limited's 3-year revenue CAGR of -24.77% is negative, indicating declining revenue over the past 3 years
Decreasing performance - Revenue consistency.
TOP Financial Group Limited had revenue growth in only 2.00 out of 5 years, indicating inconsistent revenue performance
Increasing performance - ROE consistency.
TOP Financial Group Limited had positive ROE in 4.00 out of 5 years, indicating consistent and reliable returns on equity
Overvalued - DCF valuation.
TOP Financial Group Limited has insufficient data to evaluate this check.
Overvalued - Earnings yield.
TOP Financial Group Limited has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails
Overvalued - EBITDA valuation.
TOP Financial Group Limited is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model
Overvalued - EV/EBITDA.
TOP Financial Group Limited has negative or missing EBITDA, making EV/EBITDA ratio unreliable
Overvalued - PEG ratio value.
TOP Financial Group Limited has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails
Undervalued - P/B ratio.
TOP Financial Group Limited has a price-to-book ratio of 1.64x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Overvalued - P/S ratio.
TOP Financial Group Limited has a price-to-sales ratio of 13.19x, which exceeds the 8.00x threshold, indicating the stock may be overvalued relative to its revenue
Profit margin
Current Ratio
Capital Returns
-15.26%
Return on equity
ROIC: -16.93%
Valuation History
-10.7X
Price to Earnings
EV/EBITDA: -5.4X
Cash flow
Profit margin
-
(FY vs FY)
Cash flow Y/Y
-42.14%
(FY vs FY)
Fair Value
Market $1.83
-87.43%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.