All three tenses have at least two readings, so the archetype blend applies as printed.
Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.
What did they actually do?
Has it survived what it has been through?
4 warning events since 2021; the latest 2026-08-17.
From the record
TOP Financial Group Limited's filings since 2021 show 4 warning events: a late-report notice (Form NT 10-K or NT 10-Q, 4 times, the latest 2026-08-17) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
-18.8% a year over 7 filed years; profitable in 5 of 7.
From the record
TOP Financial Group Limited's 7 filed years say what it did: revenue went from $17 million in fiscal 2020 to $5 million in fiscal 2026, down 18.8% a year; it rose in 3 of 6 years; the deepest fall was 80% from fiscal 2021 to fiscal 2025; net income was positive in 5 of 7 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count grew 2.8% a year. 0% of cash flow returned. Insiders: 0 sales, 0 purchases.
From the record
Over the 3 fiscal years to 2026-03-31, TOP Financial Group Limited's diluted share count grew about 2.8% a year, and dividends and buybacks returned about 0% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 0 purchases of their own stock on the open market in the year to 2026-09-30 (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE -3%: lost 3¢ per shareholder dollar. Leverage 61%: owes 61¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2026-03-31, TOP Financial Group Limited lost about 3 cents for every dollar of shareholders' money. Leverage: it owed about 61 cents per dollar of assets, and net share issuance: its share count grew 0.1% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
bottom 17% of 13 in its family; net margin -24.8%.
From the record
TOP Financial Group Limited's standing among 13 graded names in its industry family: revenue of $5 million in fiscal 2026 ranks in the bottom 4% by size; a net margin of -24.8% ranks in the bottom 35%; revenue growth of -21.3% a year over the last 3 filed years ranks in the bottom 12% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
SI estimate 1.3/10, confidence 35 of 100 (one part).
SI estimate Inferred, not read as filed
From the record
SI estimate, not a filed reading: TOP Financial Group Limited's leadership is put at 1.3 of 10 with a confidence of 35 of 100, because read from one part only, officer and director changes on Form 8-K over three years, against the people in charge, which ranks in the bottom 13% of 8 in its family; the record of its people begins on 2026-07-31 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 3 months and cannot see past it; a floor under five years is not read as years in charge. A filing that carries the missing parts replaces this estimate with the filed reading.
What are they set up to do next?
How much room does it have to grow?
top 15% of 13 in its family for room to expand.
From the record
TOP Financial Group Limited's room to grow, from the newest filed statements (fiscal 2026): cash of $32 million against no long-term debt tagged leaves 36.8% of its assets as net cash, top 27% of its family; cash from operations less capital spending is 277.8% of revenue (top 4%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
top 37% of 13 in its family for growth drivers.
From the record
TOP Financial Group Limited's growth drivers, from the filed years to fiscal 2026: revenue grew -21.3% a year over the last three filed years against -18.8% over all 7, slowing (bottom 19% of its family); the newest year grew 41.9% (top 12%); capital spending grew 118.3% a year (top 19%) (its annual reports). TOP Financial Group Limited reported 7 product lines in fiscal 2026: Futures Brokerage Commissions at $2 million (39%), Interest Income From Loan Business at $953 thousand (20%), Interest Income and Other at $440 thousand (9%), and 4 more; 3 of 5 grew against the year before (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
top 35% of 13 in its family for expectations against reality.
From the record
TOP Financial Group Limited's newest year against its own record: revenue of $5 million in fiscal 2026 came in 142% above the $2 million its prior three years' pace pointed to (top 12% of its family); net income of $1 million against a prior three-year average of $507 thousand (bottom 19%); a net margin of -24.8% against -43.7% before (top 12%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made