Toppoint Holdings Inc. (TOPP)

NYSE: TOPP · Trucking & Courier Services (No Air) · Audubon, PA · filing with the SEC since 2024

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Grade3.5

◀ Past 2.3● Present 3.0▶ Future 5.5

3 est.

Overview Business Financials Grade Forecast Sentiment Ownership People Filings Patents Chart

The grade of Toppoint Holdings Inc.

Nine metrics read from its own filings, by tense

Headline grade

3.5/10

◀ Past2.330% of the headline

● Present3.040% of the headline

▶ Future5.530% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 6 read as filed from the record and 3 are SI estimates, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

2.3/1030% of the headline grade · 2 of 3 filed, 1 estimated

Surviving crises

as filed

0.6/10

Has it survived what it has been through?

3 warning events since 2024; the latest 2026-11-12.

weight 33% of this tense · 6th percentile among 8 sector filers · read for itself

From the record

Toppoint Holdings Inc.'s filings since 2024 show 3 warning events of 3 kinds: a notice about its exchange listing (8-K item 3.01, the latest 2026-11-12); an auditor change (8-K item 4.01, the latest 2025-04-24); a late-report notice (Form NT 10-K or NT 10-Q, the latest 2025-03-31) (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed

3.4/10

What has it actually done, year after year?

-4.2% a year over 3 filed years; profitable in 2 of 3.

weight 45% of this tense · 34th percentile among 7 sector filers · read for its customers

From the record

Toppoint Holdings Inc.'s 3 filed years say what it did: revenue went from $18 million in fiscal 2023 to $17 million in fiscal 2025, down 4.2% a year; it rose in 1 of 2 years; the deepest fall was 11% from fiscal 2023 to fiscal 2024; net income was positive in 2 of 3 of those years (its annual reports).

What it rests on

revenue growth over the filed span-4.2%bottom 7% of its family
the share of years revenue rosebottom 43% of its family
the share of filed years with a profitbottom 21% of its family
the deepest fall from a revenue peak11.1%top 36% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

SI estimate

2.5/10

How has it treated the people who own it?

SI estimate 2.5/10, confidence 35 of 100 (one part).

weight 22% of this tense · 25th percentile among 7 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: Read from one part only, the share count over the years, which ranks in the bottom 25% of 7 in its family; fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income.
What the record cannot read: Fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income.
How it was reasoned: one part: the share count over the years, the one part on file, ranked among 7 in its family.
Confidence: 35 of 100
What would change it: A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Toppoint Holdings Inc.'s shareholder treatment is put at 2.5 of 10 with a confidence of 35 of 100, because read from one part only, the share count over the years, which ranks in the bottom 25% of 7 in its family; fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income. A filing that carries the missing parts replaces this estimate with the filed reading.

● Present

What are they doing right now?

3.0/1040% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed

3.4/10

Is it financially healthy right now?

ROE -85%: lost 85¢ per shareholder dollar. Leverage 22%: owes 22¢ per asset dollar.

weight 33% of this tense · 34th percentile among 8 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Toppoint Holdings Inc. lost about 85 cents for every dollar of shareholders' money, and gross profitability: its products earned about 5 cents per dollar of everything the company owns (revenue less the cost of revenue). Leverage: it owed about 22 cents per dollar of assets, and net share issuance: its share count grew 19.5% over the year (the filed statements).

What it rests on

what it owes per dollar of assetstop 19% of its family
return on equitybottom 6% of its family
gross profit against assetsbottom 25% of its family
the share count against the year beforebottom 25% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed

1.7/10

How strong is its position in its industry?

bottom 17% of 8 in its family; net margin -44.4%.

weight 45% of this tense · 17th percentile among 8 sector filers · read for its customers

From the record

Toppoint Holdings Inc.'s standing among 8 graded names in its industry family: revenue of $17 million in fiscal 2025 ranks in the bottom 25% by size; a net margin of -44.4% ranks in the bottom 19%; revenue growth of -4.2% a year over the last 2 filed years ranks in the bottom 7% (its annual reports).

What it rests on

revenue against the family$16.5Mbottom 25% of its family
net margin-44.4%bottom 19% of its family
three-year revenue growth-4.2%bottom 7% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate

5.0/10

What are the people in charge doing?

SI estimate 5.0/10, confidence 15 of 100 (universe median).

weight 22% of this tense · 50th percentile among 3816 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: Fewer than two of the three parts can be read: officer and director changes against the people in charge, the years the people in charge have been filing, the chief executive's years under the title, and its family carries too few readings to lean on, so the desk assumes the typical reading over all 3816 companies with one.
What the record cannot read: Fewer than two of the three parts can be read: officer and director changes against the people in charge, the years the people in charge have been filing, the chief executive's years under the title.
How it was reasoned: universe median, 3816 readings behind it.
Confidence: 15 of 100
What would change it: Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Toppoint Holdings Inc.'s leadership is put at 5.0 of 10 with a confidence of 15 of 100, because fewer than two of the three parts can be read: officer and director changes against the people in charge, the years the people in charge have been filing, the chief executive's years under the title, and its family carries too few readings to lean on, so the desk assumes the typical reading over all 3816 companies with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

5.5/1030% of the headline grade · 2 of 3 filed, 1 estimated

Room to expand

as filed

3.3/10

How much room does it have to grow?

bottom 33% of 8 in its family for room to expand.

weight 22% of this tense · 33rd percentile among 8 sector filers · read for itself

From the record

Toppoint Holdings Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $1 million against debt of $1 million leaves 1.5% of its assets as net cash, bottom 44% of its family; cash from operations less capital spending is -12.9% of revenue (bottom 31%); a gross margin of 3% (bottom 25%) (its annual report).

What it rests on

cash less debt against assets1.5%bottom 44% of its family
cash from operations less capital spending against revenue-12.9%bottom 31% of its family
gross margin3.0%bottom 25% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed

6.4/10

What could actually drive growth from here?

top 36% of 7 in its family for growth drivers.

weight 45% of this tense · 64th percentile among 7 sector filers · read for its customers

From the record

Toppoint Holdings Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew -4.2% a year over the last three filed years against -4.2% over all 3, speeding up (top 36% of its family); the newest year grew 3.2% (top 50%); capital spending grew 103.7% a year (top 21%) (its annual reports). Toppoint Holdings Inc. reported 5 product lines in fiscal 2025: Paper at $9 million (55%), Import at $5 million (29%), Metal at $2 million (12%), and 2 more; 3 of 5 grew against the year before (its annual report).

What it rests on

three-year growth against the whole span+0.0 points a yeartop 36% of its family
the newest year's revenue growth3.2%top 50% of its family
three-year growth of capital spending103.7%top 21% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

SI estimate

5.6/10

Did its newest year beat what its own record pointed to?

SI estimate 5.6/10, confidence 20 of 100 (family median).

weight 33% of this tense · 50th percentile among 6 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: The record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change, so the desk assumes the typical reading of its industry family, the median of 6 members with one.
What the record cannot read: The record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change.
How it was reasoned: family median, 6 readings behind it.
Confidence: 20 of 100
What would change it: Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Toppoint Holdings Inc.'s expectations vs reality is put at 5.6 of 10 with a confidence of 20 of 100, because the record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change, so the desk assumes the typical reading of its industry family, the median of 6 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

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

SI Assistanton TOPP · research, not advice