Stock fact sheet · data as of
TOP Financial Group Limited (TOP): fair value, margin of safety and Wheel Score
Ticker symbol TOP · Financial Services · Financial - Capital Markets · Singapore · Class A ordinary shares · Speculative
TOP is TOP Financial Group Limited's Class A ordinary shares. The classes own the same business, share the same earnings report and trade within a few cents of each other; what differs is mainly the vote each share carries - the company's annual report sets out the voting rights.
Is TOP undervalued?
At 10.83 (close of 5 Nov 2026), TOP has no GLS fair value: every one of the nine models needs a positive input (the company lost money over the last twelve months, EPS -0.01 and it pays no dividend), so the margin of safety is blank and the Wheel Score cannot be computed. Our scans leave the stock out at the first filter. What can be said from the nightly row is below.
The nightly engine files TOP under Speculative - it is losing money or its Piotroski health score is 3 or lower - which caps its Wheel Score at 45 and keeps it out of the Sunday Scan.
Nine valuation models for TOP
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | - | - | Present value of the projected free cash flows, discounted at the cost of capital; no value tonight |
| Graham Number | - | - | The most a defensive investor pays for the earnings and book value per share; no value tonight |
| Graham Growth | - | - | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields; no value tonight |
| Lynch | - | - | EPS × the earnings growth rate (PEG of 1), growth capped at 25%; no value tonight |
| GLS Growth | - | - | EPS compounded ten years at the blended growth rate, discounted back at 15% a year; no value tonight |
| 10 Cap | - | - | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10%; no value tonight |
| Payback Time | - | - | Eight years of compounded free cash flow: the price at which the business pays for itself; no value tonight |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | - | - | Earnings power value: current EPS capitalised at 9% with no growth; no value tonight |
| Zombie (liquidation) | 0.2143 | -98% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
TOP Financial Group Limited scores only 1 of 9 on the Piotroski F-score, which fails the "Piotroski 6 or more" Wheel Trade Filter. A reading this low means several of the basic tests - positive earnings, positive operating cash flow, falling debt, no new share issuance - are not met. On durability TOP scores 6.3/10 on the GLS Moat - a middle reading; the Moat Score tab on the Quote page's Financials view shows which of the four parts hold it back.
Returns on capital are thin or negative - ROIC -3.2%, ROE -3.5%, ROA -1.4% - with debt at 0.08 times equity and negative free cash flow.
TOP Financial Group Limited pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain. Revenue comes mainly from AI Services 100% (quarter Q2 FY2027).
Institutional ownership scores 1/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 1 / 9 | ROIC | -3.2% |
|---|---|---|---|
| GLS Moat | 6.3 / 10 | ROE | -3.5% |
| Debt / equity | 0.08 | ROA | -1.4% |
| Free-cash-flow yield | -0.2% | Payout ratio | 0% |
| Institutions | 1 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 15: No options
No options are listed on TOP Financial Group Limited in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 15, under 70) and is left out of every options scan; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 104k shares a day on a market cap of $1.3B, with a beta of -0.93 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Fails | speculative (a loss, or a weak Piotroski score) |
| 3 | Below fair value | Fails | trades right at our fair value |
| 4 | Financially healthy | Fails | Piotroski 1/9 (under 6) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Passes | Market cap $1 billion or more |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Weak | 0% below fair value | |
| Premium | Weak | no option data | |
| Moat | Good | moat 6.3/10 | |
| Health | Weak | Piotroski 1/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta -0.93, $1.3B company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for TOP in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
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The 12 companies below are the closest to TOP Financial Group Limited by market cap within the Financial - Capital Markets industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
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| LCLN Lincoln International Inc. | 27.25 | 33.86 | +20% | 27No options | $950M |
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Start free See the Sunday ScanQuestions about TOP
What kind of share is TOP?
TOP is TOP Financial Group Limited's Class A ordinary shares. The classes own the same business, share the same earnings report and trade within a few cents of each other; what differs is mainly the vote each share carries - the company's annual report sets out the voting rights.
Is TOP undervalued right now?
The GLS models could not value TOP (the company lost money over the last twelve months, EPS -0.01 and it pays no dividend), so there is no fair value or margin of safety to compare the price of 10.83 against.
What is the Wheel Score of TOP and what does it mean?
TOP has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for TOP?
None of the nine GLS models produced a positive value for TOP (the company lost money over the last twelve months, EPS -0.01 and it pays no dividend), so there is no GLS fair value tonight.
When does TOP Financial Group Limited report earnings next?
No upcoming earnings date is recorded for TOP in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does TOP have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on TOP, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.