TOP Financial Group Limited (Class A) (TOP) carries a Roarable Rating of D (Sell) with 50/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.
As of 2026-11-03, TOP Financial Group Limited (Class A) (NASDAQ: TOP) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 50/100 at a spot price of $10.86 (-2.25% 1D, market cap $1.37B). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 7/20, SEC Balance-Sheet Forensics 11/20, FRED Macro Regime Fit 10/20, and Executive Insider Alignment 7/20. Across 1097 tracked Financials issuers, TOP ranks #648 in composite RQD confidence.
Within the Financials sector (Investment Bankers/Brokers/Service), TOP carries a Roarable D (50/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, MUA (Blackrock MuniAssets Fund Inc) holds a D grade (47/100 RQD, P/E N/A, ROIC —, cap $1.46B) and BKT (BlackRock Income Trust Inc.) posts a D grade (46/100 RQD, P/E N/A, ROIC —, cap $1.47B). Among the 5-stock peer group, UROY leads on earnings multiple (32.5x) while TOP leads on capital efficiency (— ROIC).
Per TOP's SEC EDGAR XBRL 10-K filing (FY2025, filed 2026-03-31, CIK 0001848275), TOP Financial Group Limited (Class A) generated $4.7M in revenue (+41.9% YoY), -$1.2M in net income, and $13.1M in free cash flow against $64.1M in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC XBRL FY 2025 (10-K): 277.8% FCF Margin ($13.1M FCF) & 52% Gross Margin
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9
Dilution Drag (+1.36% YoY Shares) & executive Form 4 sales trim 13 pts from alignment
While TOP currently carries a cautious 50/100 (D) rating due to Insider Conviction & Share Dilution (7/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.
Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.
Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($14.98) and Max Pain ($11.40) forces dealer call-delta covering toward $18.29.
Forensic Repair Trigger: Halting share dilution (Dilution Drag (+1.36% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.
TOP Financial Group Limited (Class A) (TOP) dropped -2.25% to $10.86, trading at 54% of its 52-week range ($3.06 – $17.42). Stretched risk/reward at current multiples (steady margins) under elevated 10-year interest-rate pressure.
Why TOP Financial Group’s Latest Earnings Are Drawing Attention TOP Financial Group (TOP) has put fresh numbers on the table, and the mix is interesting. Second quarter revenue and profit rose year on year, while six mon
TOP Financial Group has seen its share price move sharply in 2026, which puts fresh attention on whether the current US$15.29 level lines up with the strength of its balance sheet and book value. With sentiment swinging
Gainers Amplitech Group, Inc. - Series B Right (NASDAQ:AMPGZ) shares moved upwards by 31.7% to $0.13 during Monday's pre-market session. 3 E Network (NASDAQ:MASK) shares moved upwards by 30.54% to $1.05. The
TOP Financial Group expanded its board from five to seven members, adding independent director Dean Huge to all key committees and appointing executive director Yuli Yan. The company also closed a US$1.47b shelf registra
HOUSTON, Texas, Oct. 16, 2026 (GLOBE NEWSWIRE) -- TOP Financial Group Limited (NASDAQ: TOP, “TOP” or the “Company”), a fast-growing online brokerage firm specializing in local and foreign equities, futures, and options p
TOP Financial Group Limited (NASDAQ: TOP, "TOP" or the "Company"), a fast-growing online brokerage firm specializing in local and foreign equities, futures, and options products, today announced its
HOUSTON, Texas, Oct. 14, 2026 (GLOBE NEWSWIRE) -- TOP Financial Group Limited (NASDAQ: TOP, “TOP” or the “Company”), a fast-growing online brokerage firm specializing in local and foreign equities, futures, and options p
TOP Financial Group Limited (NASDAQ: TOP, "TOP" or the "Company"), a fast-growing online brokerage firm specializing in local and foreign equities, futures, and options products, today announced the
Top Financial is a Sell due to extreme valuation, deteriorating fundamentals, and significant disclosure and governance concerns. Read more on TOP stock here.
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +41.9% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on TOP today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for TOP. Explore sector supply chains on /butterfly.
Across 1097 tracked Financials securities in the Roarable RQD universe, TOP Financial Group Limited (Class A) (TOP) ranks #648 by composite RQD confidence (50/100, grade D) and #503 by equity capitalization ($1.37B). Within this direct 5-issuer industry benchmark cohort, UROY leads on earnings valuation at 32.5x trailing P/E, while TOP leads on capital efficiency and profitability with — ROIC and — gross margin. UROY currently holds the highest overall quantitative score in the immediate peer group at 53/100 (D+) compared with TOP at 50/100 (D).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| TOP
ACTIVE
TOP Financial Group Limited (Class A) | D | 50/100 | — | — | — | -2.25% | $1.37B | Benchmark Subject |
| MUA Blackrock MuniAssets Fund Inc | D | 47/100 | — | — | — | -0.51% | $1.46B | /mua-vs-top → |
| BKT BlackRock Income Trust Inc. | D | 46/100 | — | — | — | +1.32% | $1.47B | /bkt-vs-top → |
| UROY Uranium Royalty Corp. | D+ | 53/100 | 32.5x | — | — | -2.98% | $1.26B | /uroy-vs-top → |
| MUC Blackrock MuniHoldings California Quality Fund Inc. | D | 47/100 | — | — | — | -0.30% | $1.51B | /muc-vs-top → |
In its most recent audited fiscal period (FY2025, filed 2026-03-31), TOP Financial Group Limited (Class A) (TOP) reported GAAP revenue of $4.7M (+41.9% vs. FY2024 revenue of $3.3M , and -41.2% cumulative change since FY2023) , GAAP net income of -$1.2M, operating cash flow of $14.0M, and free cash flow of $13.1M (+190.7% YoY). On the balance sheet, TOP closed FY2025 with $64.1M in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2026-03-31 | $4.7M | -$1.2M | $14.0M | $13.1M | $64.1M | — |
| FY2024 (FY) | 2025-03-31 | $3.3M | -$6.0M | -$14.5M | -$14.5M | — | — |
| FY2023 (FY) | 2024-03-31 | $8.0M | $1.1M | $17.8M | $17.8M | — | — |
As of 2026-11-03, TOP Financial Group Limited (Class A) (NASDAQ: TOP) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 50/100 at a spot price of $10.86 (-2.25% 1D, market cap $1.37B). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 7/20, SEC Balance-Sheet Forensics 11/20, FRED Macro Regime Fit 10/20, and Executive Insider Alignment 7/20. Across 1097 tracked Financials issuers, TOP ranks #648 in composite RQD confidence.
Within the Financials sector (Investment Bankers/Brokers/Service), TOP carries a Roarable D (50/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, MUA (Blackrock MuniAssets Fund Inc) holds a D grade (47/100 RQD, P/E N/A, ROIC —, cap $1.46B) and BKT (BlackRock Income Trust Inc.) posts a D grade (46/100 RQD, P/E N/A, ROIC —, cap $1.47B). Among the 5-stock peer group, UROY leads on earnings multiple (32.5x) while TOP leads on capital efficiency (— ROIC).
Per TOP's SEC EDGAR XBRL 10-K filing (FY2025, filed 2026-03-31, CIK 0001848275), TOP Financial Group Limited (Class A) generated $4.7M in revenue (+41.9% YoY), -$1.2M in net income, and $13.1M in free cash flow against $64.1M in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.
TOP last traded at $10.86 (-2.25% on volume of 592,194 shares), positioning the stock -27.50% below its 50-day simple moving average ($14.98) and +26.13% above its 200-day simple moving average ($8.61). Across its 52-week range of $3.06 to $17.42, TOP sits at the 54.3% percentile with a 14-day RSI of 37.6 (NEUTRAL RANGE) and an implied next-earnings move of ±12.5% ($9.50 to $12.22).
TOP Financial Group Limited (Class A) (TOP) earns a live Roarable RQD composite score of 50/100, corresponding to a D letter grade (Roarable Sell) at a spot price of $10.86 (-2.25% 1D, market capitalization $1.37B).
TOP Financial Group Limited (Class A) is a NASDAQ-listed issuer classified in the Financials sector and the Investment Bankers/Brokers/Service industry. The profile identifies the company as operating in this industry with a market capitalization of $1.8B.
In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2026-03-31), TOP Financial Group Limited (Class A) (TOP) reported $4.7M in annual revenue (up from $3.3M in FY2024, +41.9% YoY) and -$1.2M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($8.0M revenue, $1.1M net income) through FY2025, TOP scaled operating cash flow to $14.0M and free cash flow to $13.1M, backed by $64.1M in total assets against $0 in total debt.
Operating in Investment Bankers/Brokers/Service (Financials), TOP carries a macro regime beta of 1.00 and gross margin of —.
Real-time company headlines, analyst actions, and sector developments for TOP Financial Group Limited (Class A) (TOP) • Click "Debate This Headline" to argue it in the Roar Pit below
Why TOP Financial Group’s Latest Earnings Are Drawing Attention TOP Financial Group (TOP) has put fresh numbers on the table, and the mix is interesting. Second quarter revenue and profit rose year on year, while six mon
TOP Financial Group has seen its share price move sharply in 2026, which puts fresh attention on whether the current US$15.29 level lines up with the strength of its balance sheet and book value. With sentiment swinging
Gainers Amplitech Group, Inc. - Series B Right (NASDAQ:AMPGZ) shares moved upwards by 31.7% to $0.13 during Monday's pre-market session. 3 E Network (NASDAQ:MASK) shares moved upwards by 30.54% to $1.05. The
TOP Financial Group expanded its board from five to seven members, adding independent director Dean Huge to all key committees and appointing executive director Yuli Yan. The company also closed a US$1.47b shelf registra
HOUSTON, Texas, Oct. 16, 2026 (GLOBE NEWSWIRE) -- TOP Financial Group Limited (NASDAQ: TOP, “TOP” or the “Company”), a fast-growing online brokerage firm specializing in local and foreign equities, futures, and options p
TOP Financial Group Limited (NASDAQ: TOP, "TOP" or the "Company"), a fast-growing online brokerage firm specializing in local and foreign equities, futures, and options products, today announced its
HOUSTON, Texas, Oct. 14, 2026 (GLOBE NEWSWIRE) -- TOP Financial Group Limited (NASDAQ: TOP, “TOP” or the “Company”), a fast-growing online brokerage firm specializing in local and foreign equities, futures, and options p
Long TOP at $11.11 targeting $14.67. Revenue grew from $3.3M in FY 2024 to $4.7M in FY 2025 while net loss narrowed from -$6.0M to -$1.2M.. Institutional whale score is 7/20 and the risk/reward vs. the $3.06 52-week low is skewed heavily in favor of bulls.
@FadeTheHype Shorting a 7/20 institutional whale-flow stock at $11.11 is dangerous when funds are rotating into Financials.
I respect the product at TOP Financial Group Limited (Class A), but the stock at $11.11 is a different story. ROIC is 0%, the Insider Conviction pillar scores only 7 of 20, and operating margin is -24.9%.. FCF yield is 0.74% and RQD sits at 50/100 (D) — why pay up here when you can wait for next quarter's numbers?
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