Crescent Capital BDC (NASDAQ:CCAP – Get Free Report) and TOP Financial Group (NASDAQ:TOP – Get Free Report) are both small-cap finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their institutional ownership, profitability, earnings, valuation, risk, dividends and analyst recommendations.
Profitability
This table compares Crescent Capital BDC and TOP Financial Group’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Crescent Capital BDC | -2.02% | 9.02% | 3.82% |
| TOP Financial Group | N/A | N/A | N/A |
Insider & Institutional Ownership
49.5% of Crescent Capital BDC shares are owned by institutional investors. Comparatively, 0.3% of TOP Financial Group shares are owned by institutional investors. 1.2% of Crescent Capital BDC shares are owned by insiders. Comparatively, 85.6% of TOP Financial Group shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.
Analyst Recommendations
This is a breakdown of recent ratings and recommmendations for Crescent Capital BDC and TOP Financial Group, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Crescent Capital BDC | 0 | 6 | 1 | 0 | 2.14 |
| TOP Financial Group | 1 | 0 | 0 | 0 | 1.00 |
Crescent Capital BDC presently has a consensus target price of $12.25, indicating a potential upside of 32.15%. Given Crescent Capital BDC’s stronger consensus rating and higher possible upside, equities analysts plainly believe Crescent Capital BDC is more favorable than TOP Financial Group.
Valuation & Earnings
This table compares Crescent Capital BDC and TOP Financial Group”s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Crescent Capital BDC | $7.13 million | 47.90 | $34.51 million | ($0.09) | -103.00 |
| TOP Financial Group | $5.14 million | 262.99 | -$1.17 million | ($0.02) | -555.50 |
Crescent Capital BDC has higher revenue and earnings than TOP Financial Group. TOP Financial Group is trading at a lower price-to-earnings ratio than Crescent Capital BDC, indicating that it is currently the more affordable of the two stocks.
Risk & Volatility
Crescent Capital BDC has a beta of 0.57, meaning that its stock price is 43% less volatile than the S&P 500. Comparatively, TOP Financial Group has a beta of -0.98, meaning that its stock price is 198% less volatile than the S&P 500.
Summary
Crescent Capital BDC beats TOP Financial Group on 10 of the 14 factors compared between the two stocks.
About Crescent Capital BDC
Crescent Capital BDC, Inc. is as a business development company private equity / buyouts and loan fund. It specializes in directly investing. It specializes in middle market. The fund seeks to invest in United States.
About TOP Financial Group
TOP Financial Group Limited, through its subsidiaries, operates as an online brokerage company in Hong Kong. It is involved in the trading of local and overseas equities, futures, and options products; and the provision of brokerage and value-added services, including trade order placement and execution, account management, and customer support services. The company provides a range of futures products, such as index futures, forex futures, agricultural product futures, energy futures, and precious metal futures. It also offers stock brokerage, options brokerage, consulting services, currency exchange services, structured note subscriber services, and margin financing services. The company was formerly known as Zhong Yang Financial Group Limited and changed its name to TOP Financial Group Limited in July 2022. TOP Financial Group Limited was founded in 2015 and is based in Hong Kong, Hong Kong. TOP Financial Group Limited is a subsidiary of Zhong Yang Holdings (BVI) Limited.
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