TOP:NASDAQTOP Financial Group Limited Analysis
Data as of 2026-03-16 - not real-time
$0.99
Latest Price
8/10Risk
Risk Level: High
Executive Summary
TOP Financial Group is trading at $0.99, well under its 20‑day SMA of $1.01, 50‑day SMA of $1.02 and 200‑day SMA of $1.15, indicating a clear bearish price bias. The 14‑day RSI sits at 42, suggesting limited upside momentum, while the MACD histogram remains negative, reinforcing the bearish technical picture. Price is hovering near the identified support level of $0.96 with resistance at $1.08, and the stock exhibits high 30‑day volatility of roughly 24% and a beta below 1, pointing to pronounced price swings.
Fundamentally, the company posted a 55.7% revenue surge but continues to generate a negative profit margin of -122% and a ROE of -14%, with trailing EPS of -$0.14. The DCF‑derived fair value of $1.11 sits above the current price, implying potential undervaluation, yet the firm carries a sizable max drawdown of nearly 47% and reports no dividend, underscoring significant earnings risk despite the growth headline.
Fundamentally, the company posted a 55.7% revenue surge but continues to generate a negative profit margin of -122% and a ROE of -14%, with trailing EPS of -$0.14. The DCF‑derived fair value of $1.11 sits above the current price, implying potential undervaluation, yet the firm carries a sizable max drawdown of nearly 47% and reports no dividend, underscoring significant earnings risk despite the growth headline.
Market Outlook
Short Term
< 1 yearCautious
Model confidence: 7/10
Key Factors
- Price below all major moving averages
- Bearish MACD and neutral RSI
- High short‑term volatility and proximity to support
Medium Term
1–3 yearsNeutral
Model confidence: 5/10
Key Factors
- DCF fair value suggests upside to $1.11
- Strong revenue growth despite losses
- Absence of dividend and ongoing negative earnings
Long Term
> 3 yearsNeutral
Model confidence: 4/10
Key Factors
- Potential for turnaround if profitability improves
- Undervaluation relative to intrinsic estimate
- Elevated risk from historical drawdown and thin market cap
Key Metrics & Analysis
Financial Health
Revenue Growth55.70%
Profit Margin-122.35%
ROE-14.23%
ROA-8.58%
Debt/Equity0.64
P/B Ratio1.0
Op. Cash Flow$981.4K
Industry P/E16.5
Technical Analysis
TrendBearish
RSI42.1
Support$0.96
Resistance$1.08
MA 20$1.01
MA 50$1.02
MA 200$1.15
MACDBearish
VolumeStable
Fear & Greed Index79.32
Valuation
Fair Value$1.11
GradeUndervalued
TypeBlend
Risk Assessment
Beta0.73
Volatility24.36%
Sector RiskMedium
Reg. RiskMedium
Geo RiskMedium
Currency RiskMedium
Liquidity RiskHigh
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This analysis may contain inaccuracies and is provided for informational and research purposes only. It is not personal investment advice, a recommendation, or an instruction to buy, sell, or hold any asset.