Is SNEX or TOP more undervalued in 2026?

CirclFi compares StoneX Group Inc. (SNEX) and TOP Financial Group Limited (TOP) using 13 institutional-grade valuation models. SNEX has a Quality of Company score of 9.2/10 while TOP scores 2.0/10.

Which is a better buy — SNEX or TOP?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do SNEX and TOP valuations compare?

SNEX at $112.11 and TOP at $0.93 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

SNEX vs TOP Valuation Comparison 2026 — Intrinsic Value Analysis

SNEX

Capital Markets

StoneX Group Inc.

Quality

9.2

out of 10

Value Trap

SAFE

Price

$112.11

Last close

Models

10/13

Active

TOP

Capital Markets

TOP Financial Group Limited

Quality

2.0

out of 10

Value Trap

—

Price

$0.93

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	SNEX Fair Value	SNEX Upside	TOP Fair Value	TOP Upside
Bayesian DCF	Intrinsic	$491.10	+338.1%	$0.18	-80.2%
Earnings Power Value	Intrinsic	$71.40	-36.3%	$0.70	-9.9%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%

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SNEX vs TOP — Which Stock Is More Undervalued?

SNEX scores higher with a 9.2/10 quality rating vs TOP's 2.0/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing StoneX Group Inc. (SNEX) and TOP Financial Group Limited (TOP) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

SNEX currently trades at $112.11 with a QOC of 9.2/10, while TOP trades at $0.93 with a QOC of 2.0/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).