Is SOS or TOP more undervalued in 2026?

CirclFi compares SOS Limited (SOS) and TOP Financial Group Limited (TOP) using 13 institutional-grade valuation models. SOS has a Quality of Company score of 1.0/10 while TOP scores 2.0/10.

Which is a better buy — SOS 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 SOS and TOP valuations compare?

SOS at $1.07 and TOP at $0.93 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

SOS vs TOP Valuation Comparison 2026 — Intrinsic Value Analysis

SOS

Capital Markets

SOS Limited

Quality

1.0

out of 10

Value Trap

SAFE

Price

$1.07

Last close

Models

8/13

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	SOS Fair Value	SOS Upside	TOP Fair Value	TOP Upside
Bayesian DCF	Intrinsic	$0.21	-80.2%	$0.18	-80.2%
Earnings Power Value	Intrinsic	—	—	$0.70	-9.9%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$1.29	+19.0%	$0.48	-49.3%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%

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SOS vs TOP — Which Stock Is More Undervalued?

TOP scores higher with a 2.0/10 quality rating vs SOS's 1.0/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing SOS Limited (SOS) 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.

SOS currently trades at $1.07 with a QOC of 1.0/10, 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).