TOP Financial GroupTOP -0.62%65 Quick Ratio is 1.95 as of Sep. 2025, which is 42% below its 10-year median of 3.36. GuruFocus rates TOP with a GF Score™ of 65/100 and a GF Value™ of $1.45 (Fairly Valued). The stock has 9 warning signs investors should review. Among 690 Capital Markets companies, TOP Financial Group ranks worse than 53.19% on this metric.
TOP Financial Group has a quick ratio of 1.95. It generally indicates good short-term financial strength.
The historical rank and industry rank for TOP Financial Group's Quick Ratio or its related term are showing as below:
TOP'
s Quick Ratio Range Over the Past 10 Years
Min: 1.88 Med: 3.36 Max: 8.88
Current: 1.95
During the past 6 years, TOP Financial Group's highest Quick Ratio was 8.88. The lowest was 1.88. And the median was 3.36.
TOP's Quick Ratio is ranked worse than 53.19% of 690
companies
in the Capital Markets industry
Industry Median: 2.1
vs TOP: 1.95
TOP Financial Group (NAS:TOP) Quick Ratio Explanation
The quick ratio is more conservative than the Current Ratio because it excludes inventories from current assets. The ratio derives its name presumably from the fact that assets such as cash and marketable securities are quick sources of cash. Inventories generally take time to be converted into cash, and if they have to be sold quickly, the company may have to accept a lower price than book value of these inventories. As a result, they are justifiably excluded from assets that are ready sources of immediate cash.
In general, low or decreasing quick ratios generally suggest that a company is over-leveraged, struggling to maintain or grow sales, paying bills too quickly or collecting receivables too slowly. On the other hand, a high or increasing quick ratio generally indicates that a company is experiencing solid top-line growth, quickly converting receivables into cash, and easily able to cover its financial obligations. Such companies often have faster inventory turnover and cash conversion cycles.
The higher the quick ratio, the better the company's liquidity position.
TOP Financial Group Quick Ratio Related Terms
TOP Financial Group Quick Ratio Historical Data
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The historical data trend for TOP Financial Group's Quick 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 Quick Ratio, along with its competitors' market caps and Quick 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 Quick Ratio vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, TOP Financial Group's Quick Ratio distribution charts can be found below:
* The bar in red indicates where TOP Financial Group's Quick Ratio falls into.
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. For this reason, the ratio excludes inventories from current assets.
TOP Financial Group's Quick Ratio for the fiscal year that ended in Mar. 2025 is calculated as
* 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 Quick Ratio of 1.95 as of Sep. 2025. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on TOP Financial Group and its competitors. This is 42% below median its historical median of 3.36. Over the past decade, TOP Financial Group's Quick Ratio has ranged from 1.88 to 8.88. According to the industry distribution chart, TOP Financial Group ranks #367 out of 690 companies in the Capital Markets industry, placing it in the top 53.2%.
Is TOP Financial Group's Quick Ratio too high?
TOP Financial Group's current Quick Ratio of 1.95 is 42% below median its 10-year median of 3.36. Over the past 10 years, this metric has ranged from a low of 1.88 to a high of 8.88. The Capital Markets industry median Quick Ratio is 2.10. TOP Financial Group's value of 1.95 is 7.1% below this industry median. Based on the distribution chart, TOP Financial Group ranks #367 out of 690 companies in the Capital Markets industry, which is below the industry midpoint. Overall, TOP Financial Group has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does TOP Financial Group's Quick Ratio compare to NCTY and AURE?
According to the Capital Markets industry distribution chart, TOP Financial Group ranks #367 out of 690 companies for Quick Ratio. This places TOP Financial Group in the lower half of its industry. The industry median Quick Ratio is 2.10. TOP Financial Group's value of 1.95 is 7.1% below this benchmark. Historically, TOP Financial Group's own Quick Ratio has ranged from 1.88 to 8.88 over the past decade. While the company's 10-year median is 3.36 vs. the industry median of 2.10, 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 Quick Ratio for a Capital Markets company?
The median Quick Ratio among Capital Markets companies is 2.10, based on 690 companies in the industry. Companies in the top quartile (top 25%) have a Quick Ratio significantly above this median, while those in the bottom quartile fall well below. However, Quick Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. TOP Financial Group's current Quick Ratio of 1.95 is 7.1% 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 Quick Ratio mean?
A high Quick Ratio can signal that a stock is expensive relative to its fundamentals. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on TOP Financial Group and its competitors. For the Capital Markets industry, the median Quick Ratio is 2.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. TOP Financial Group's current Quick Ratio is 1.95, which is 42% below median its own 10-year median of 3.36. 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 Fairly Valued. The stock's GF Value™ is $1.45, compared to a current price of $1.59 — trading 9.7% above its estimated fair value. The current Quick Ratio is 1.95, which is 42% below median its 10-year median of 3.36 and 7.1% below the Capital Markets industry median of 2.10. TOP Financial Group's overall GF Score™ is 65/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Quick Ratio calculated?
Quick Ratio is calculated from a company's financial statements. For TOP Financial Group (TOP), the current Quick Ratio is 1.95 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 $1.59 is trading 9.7% above its estimated GF Value™ of $1.45.
GuruFocus considers TOP Financial Group to be Fairly Valued.
Key valuation signals for TOP:
Quick Ratio: 1.95 (42% below median its 10-year median of 3.36)
GF Value™: $1.45 vs. price of $1.59 (9.7% above fair value)
Industry Position: 7.1% below the Capital Markets median (#367 of 690)
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.
65GF Score
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