Longwall top coal caving is one of the most effective methods for extracting steeply inclined and ultra-thick coal seams. To investigate the influence of caving ratio (the proportion between mining height and top coal thickness) on top coal recovery behavior and ground pressure characteristics, this study employs both the Particle Flow Code (PFC) discrete element method and a coupled FLAC3D–PFC3D numerical simulation approach. The effects of different caving ratios (1:3, 1:3.2, and 1:3.4) on the top coal recovery ratio, stress distribution, and gangue accumulation characteristics were analyzed. The results show that the caving ratio has a significant impact on top coal recovery. At a caving ratio of 1:3.2, adopting a two-cut-one-cave interval resulted in a top coal recovery ratio as high as 94.8%. A stress-relief zone with an arch-like distribution formed above the goaf, while a stress concentration zone developed ahead of the coal wall, where the coal–rock mass underwent compression and failure. The roof displacement exhibited an arch-shaped distribution, while the floor displacement was asymmetrical, with greater heaving observed at the lower end. As the working face advanced, the horizontal development of the plastic zone expanded rapidly, while the vertical extent changed only slightly. Throughout the caving process, the top coal demonstrated favorable caving behavior with good flowability and accumulation characteristics. These findings provide theoretical support for achieving high mining recovery in thick coal seam operations and offer practical guidance for optimizing caving process parameters in practice.