TOP Financial Group Limited (TOP) Fair Value 2026

TOP · Capital Markets ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

5.9 /10

32 fundamental signals · 1 models active

Value Trap Risk

WARN (45/100)

Quick Summary — As of 2026-08-28, TOP Financial Group Limited (TOP) trades at $16.73. QOC: 5.9/10. Value Trap Risk: 45/100 (WARN). 1/13 models active.

Key Facts

Ticker
TOP
Price
$16.73
Quality Score
5.9/10
Value Trap Risk
45/100
Models Active
1/13
Last Updated
Strength: 1 independent models provide multi-angle coverage
Risk: Value Trap score of 45 suggests caution despite apparent undervaluation

What Fair Value Does Each Model Give TOP?

1 Intrinsic Value Models vs. Current Price ($16.73)

Core Models (Unlocked)
Model Fair Value Upside
Relative · Low Conviction
 $0.84 -95.0%

All Models Active

All 1 models are displayed above.

What Is TOP Financial Group Limited (TOP) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, TOP Financial Group Limited's intrinsic value is estimated at $0.84, suggesting the stock is overvalued at its current price of $16.73. With 1 out of 1 models flagging downside (-95.0% vs price), the market may be pricing in unsustainable growth.

What Do the Models Say About TOP?

1 of 13 models are currently active for TOP. All 1 active models suggest the stock trades above fair value. See which stocks rank higher →

How Does TOP Rank in Capital Markets?

Among 103 Capital Markets stocks, TOP ranks #48 by Quality of Company score. CirclFi's QOC score of 5.9/10 evaluates 32 fundamental signals. A score of 5.9 reflects mixed fundamentals.

See all Most Undervalued Capital Markets Stocks →

As a banking sector, TOP Financial Group Limited operates in a sector where deposit growth is a critical driver of valuation. Investors evaluating TOP should weigh these sector-specific dynamics alongside our model-derived fair values.

Is TOP a Value Trap?

CirclFi's Value Trap algorithm assigns TOP a score of 45/100 (WARN). This is a warning signal. Additional research into recent 10-Q filings is recommended. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

1 of 13 models are active for TOP Financial Group Limited. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, which evaluates 32 signals including margin stability, revenue growth trajectory, leverage, and free cash flow generation, TOP Financial Group Limited is rated at 5.9/10. This solid-tier score maintains reasonable quality metrics with some areas for improvement.

CirclFi runs 13 independent models for each stock. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every TOP valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across TOP's 1 active models, average confidence is 7%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy TOP Financial Group Limited Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Capital Markets Stocks Should You Also Analyze?

11 related Capital Markets stocks with 13-model coverage

MNTRMentor Capital, Inc.QOC 6.0IRENIREN LimitedQOC 5.8MDBHMDB Capital Holdings, LLCQOC 6.1GLXYGalaxy DigitalQOC 5.8NIHKVideo River Networks, Inc.QOC 6.1ATCHAtlasClear Holdings, Inc.QOC 5.8DEFTDeFi Technologies Inc.QOC 5.0MTCMMTec, Inc.QOC 2.5LPLALPL Financial Holdings Inc.QOC 7.6FUTUFutu Holdings LimitedQOC 9.8HOODRobinhood Markets, Inc.QOC 9.7

Read investment analysis: MNTR · IREN · MDBH · GLXY · NIHK · ATCH · DEFT · MTC · LPLA · FUTU · HOOD

Which Other Stocks Have a Similar Quality Score to TOP?

6 companies across all industries closest to TOP’s Quality of Company score of 5.9/10.

AMSTAmesite Inc.QOC 5.9ANDGAndersen Group Inc.QOC 5.9WBIWaterBridge Infrastructure LLCQOC 5.9RXTRackspace Technology, Inc.QOC 5.9RPAYRepay Holdings CorporationQOC 5.8NVDANVIDIA CorporationQOC 10.0

Read investment analysis: AMST · ANDG · WBI · RXT · RPAY · NVDA

Where Does TOP Sit in CirclFi's Capital Markets Rankings?

TOP is ranked against every other Capital Markets stock CirclFi covers in each of these screens.

See all Capital Markets stocks ranked →

What Else Do Investors Ask About TOP Financial Group Limited’s Valuation?

What is TOP Financial Group Limited's intrinsic value in 2026?

CirclFi does not yet have enough active models to publish a median fair value for TOP Financial Group Limited (TOP). The Quality of Company score is 5.9/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is TOP overvalued or undervalued right now?

At $16.73, 0 of 1 active models suggest TOP may be undervalued, while 1 indicate potential overvaluation. The assessment depends on which methodology best fits TOP Financial Group Limited's business model in Capital Markets.

What does a Quality of Company score of 5.9 mean for TOP?

TOP Financial Group Limited's QOC of 5.9/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores between 5-7 reflect moderate fundamentals with areas for improvement.

How many valuation models does CirclFi run on TOP?

CirclFi analyzes TOP with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 1 of 13 are active for this stock. Read the full methodology →

Is TOP a value trap in 2026?

TOP Financial Group Limited's Value Trap score is 45/100 (WARN). This elevated score suggests the stock may look undervalued but faces deteriorating fundamentals — declining margins, rising debt, or shrinking revenue could make the apparent discount deceptive. Browse our ranked stock lists to compare value-trap scores across industries. Browse stocks by value-trap risk →

Cite this analysis — “CirclFi assigns TOP Financial Group Limited (TOP) a Quality of Company score of 5.9/10 across 32 fundamental signals as of 2026-08-28.” Source: circlfi.com/stock/TOP/ · Methodology
Primary sources for this TOP valuation
  • Financial statements: TOP Financial Group Limited 10-K and 10-Q filings on SEC EDGAR (CIK 0001848275) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for TOP as of ; valuations recomputed .