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TOP Financial Group (TOP) Fair Value & Analysis

Financial Services · US · Market cap $69.2M

Price$1.47
Fair Value$0.7600
Upside-48.3%
Quality95/100
Evidence: Low Range $0.5000 – $0.9500

Fair value as of: Jun 25, 2026

Analysis

TOP Financial Group (TOP) currently trades at $1.47, while our model-based Fair Value estimate is $0.7600 — implying the stock looks roughly 48.3% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: low).

About the company

TOP Financial Group Limited, through its subsidiaries, operates as an online brokerage company in Hong Kong. The company is involved in the trading of equities, futures, and options products; and the provision of brokerage and value-added services, including trade order placement and execution, account management, and customer support services. It also provides a range of futures products, such as index, forex, agricultural product, energy, and precious metal futures; and operates as an escrow agent in transactions relating to securities sales and transfers. In addition, the company offers stock and options brokerage, structured note subscriber, consulting, currency exchange, margin financing, OTC derivative trading, and loan services. The company was formerly known as Zhong Yang Financial Group Limited and changed its name to TOP Financial Group Limited in July 2022. The company was founded in 2015 and is headquartered in Singapore. TOP Financial Group Limited is a subsidiary of Zh…

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Frequently asked questions

Is TOP Financial Group (TOP) undervalued?
As of Jun 25, 2026, our model estimates a fair value of $0.7600 versus a price of $1.47 — about −48% (overvalued). Model-based estimate, not financial advice.
What is the fair value of TOP?
Our 21-model fair value for TOP Financial Group is $0.7600 (as of Jun 25, 2026), built from audited fundamentals. The current price is $1.47.
What is the quality score of TOP?
TOP Financial Group has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.