TOP Financial GroupTOP -5.85%66 Cash Ratio is 0.51 as of Sep. 2025, which is 63% below its 10-year median of 1.38. GuruFocus rates TOP with a GF Score™ of 66/100 and a GF Value™ of $1.45 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 682 Capital Markets companies, TOP Financial Group ranks worse than 65.1% on this metric.
TOP Financial Group has a Cash Ratio of 0.51. It indicates that there are more current liabilities than Cash, Cash Equivalents, Marketable Securities, and the company does not have sufficient cash on hand to pay off its short-term debt.
The historical rank and industry rank for TOP Financial Group's Cash Ratio or its related term are showing as below:
TOP'
s Cash Ratio Range Over the Past 10 Years
Min: 0.51 Med: 1.38 Max: 7.5
Current: 0.51
During the past 6 years, TOP Financial Group's highest Cash Ratio was 7.50. The lowest was 0.51. And the median was 1.38.
TOP's Cash Ratio is ranked worse than 65.1% of 682
companies
in the Capital Markets industry
Industry Median: 0.95
vs TOP: 0.51
TOP Financial Group (NAS:TOP) Cash Ratio Explanation
The cash ratio is more conservative than other liquidity ratios, such as Quick Ratio and Current Ratio, because it only considers a company's most liquid resources. The numerator of cash ratio only considers Cash, Cash Equivalents and marketable securities. Other current assets, such as accounts receivable and inventories, are not included. The rationale is that these assets may require time to be transformed into cash, and the amount of money received is also uncertain.
The cash ratio shows a company’s ability to pay all current liabilities immediately without selling or liquidating other assets. Generally speaking, a higher cash ratio suggests the company has a stronger ability to cover its short-term debt. However, a high cash ratio could also indicate inefficient management: the company is inefficient in making full utilization of cash to invest protential profitable project. It may also suggest that the company is not confident about future profitability.
In general, the higher the cash ratio, the better the company's liquidity position.
TOP Financial Group Cash Ratio Related Terms
TOP Financial Group Cash Ratio Historical Data
* Premium members only.
The historical data trend for TOP Financial Group's Cash Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Capital Markets subindustry, TOP Financial Group's Cash Ratio, along with its competitors' market caps and Cash Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
TOP Financial Group Cash Ratio vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, TOP Financial Group's Cash Ratio distribution charts can be found below:
* The bar in red indicates where TOP Financial Group's Cash Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
TOP Financial Group (TOP) has a Cash Ratio of 0.51 as of Sep. 2025. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on TOP Financial Group and its competitors. This is 63% below median its historical median of 1.38. Over the past decade, TOP Financial Group's Cash Ratio has ranged from 0.51 to 7.50. According to the industry distribution chart, TOP Financial Group ranks #444 out of 682 companies in the Capital Markets industry, placing it in the top 65.1%.
Is TOP Financial Group's Cash Ratio too high?
TOP Financial Group's current Cash Ratio of 0.51 is 63% below median its 10-year median of 1.38. Over the past 10 years, this metric has ranged from a low of 0.51 to a high of 7.50. The Capital Markets industry median Cash Ratio is 0.95. TOP Financial Group's value of 0.51 is 46.3% below this industry median. Based on the distribution chart, TOP Financial Group ranks #444 out of 682 companies in the Capital Markets industry, which is below the industry midpoint. Overall, TOP Financial Group has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does TOP Financial Group's Cash Ratio compare to NCTY and AURE?
According to the Capital Markets industry distribution chart, TOP Financial Group ranks #444 out of 682 companies for Cash Ratio. This places TOP Financial Group in the lower half of its industry. The industry median Cash Ratio is 0.95. TOP Financial Group's value of 0.51 is 46.3% below this benchmark. Historically, TOP Financial Group's own Cash Ratio has ranged from 0.51 to 7.50 over the past decade. While the company's 10-year median is 1.38 vs. the industry median of 0.95, TOP Financial Group has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Ratio for a Capital Markets company?
The median Cash Ratio among Capital Markets companies is 0.95, based on 682 companies in the industry. Companies in the top quartile (top 25%) have a Cash Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cash Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. TOP Financial Group's current Cash Ratio of 0.51 is 46.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash Ratio mean?
A high Cash Ratio can signal that a stock is expensive relative to its fundamentals. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on TOP Financial Group and its competitors. For the Capital Markets industry, the median Cash Ratio is 0.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. TOP Financial Group's current Cash Ratio is 0.51, which is 63% below median its own 10-year median of 1.38. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is TOP Financial Group stock overvalued right now?
Based on GuruFocus' analysis, TOP Financial Group (TOP) is currently considered Modestly Overvalued. The stock's GF Value™ is $1.45, compared to a current price of $1.77 — trading 22.1% above its estimated fair value. The current Cash Ratio is 0.51, which is 63% below median its 10-year median of 1.38 and 46.3% below the Capital Markets industry median of 0.95. TOP Financial Group's overall GF Score™ is 66/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Ratio calculated?
Cash Ratio is calculated from a company's financial statements. For TOP Financial Group (TOP), the current Cash Ratio is 0.51 as of Sep. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is TOP Financial Group (TOP) Overvalued in 2026?
Based on GuruFocus' analysis, TOP Financial Group stock appears to be overvalued.
The current stock price of $1.77 is trading 22.1% above its estimated GF Value™ of $1.45.
GuruFocus considers TOP Financial Group to be Modestly Overvalued.
Key valuation signals for TOP:
Cash Ratio: 0.51 (63% below median its 10-year median of 1.38)
GF Value™: $1.45 vs. price of $1.77 (22.1% above fair value)
Industry Position: 46.3% below the Capital Markets median (#444 of 682)
No single metric tells the full story. See the TOP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
TOP Financial Group Ltd is an online brokerage firm in Hong Kong specializing in trading local and overseas equities, futures, and options products. The Company generates brokerage commission income by enabling its customers to trade on multiple exchanges present globally. The company operates in only one segment which is the futures brokerage service.
66GF Score
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