Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
TROOPSTROO -0.45%60 Cyclically Adjusted PB Ratio is 0.92 as of Jul. 17, 2026, which is 384% above its 10-year median of 0.19. GuruFocus rates TROO with a GF Score™ of 60/100 and a GF Value™ of $7.60 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 420 Credit Services companies, TROOPS ranks better than 53.1% on this metric.
As of today (2026-07-17), TROOPS's current share price is $2.21. TROOPS's Cyclically Adjusted Book per Share for the fiscal year that ended in Dec25 was $2.41. TROOPS's Cyclically Adjusted PB Ratio for today is 0.92.
The historical rank and industry rank for TROOPS's Cyclically Adjusted PB Ratio or its related term are showing as below:
TROO'
s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 0.05 Med: 0.19 Max: 1.93
Current: 0.91
During the past 13 years, TROOPS's highest Cyclically Adjusted PB Ratio was 1.93. The lowest was 0.05. And the median was 0.19.
TROO's Cyclically Adjusted PB Ratio is ranked better than 53.1% of 420
companies
in the Credit Services industry
Industry Median: 0.945
vs TROO: 0.91
The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.
TROOPS's adjusted book value per share data of for the fiscal year that ended in Dec25 was $0.401. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $2.41 for the trailing ten years ended in Dec25.
Shiller PE for Stocks: The True Measure of Stock Valuation
TROOPS (NAS:TROO) Cyclically Adjusted PB Ratio Explanation
Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.
TROOPS Cyclically Adjusted PB Ratio Related Terms
TROOPS Cyclically Adjusted PB Ratio Historical Data
* Premium members only.
The historical data trend for TROOPS's Cyclically Adjusted PB 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.
TROO vs LX, OPRT, MFIN: Cyclically Adjusted PB Ratio Comparison
For the Credit Services subindustry, TROOPS's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB 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.
TROOPS Cyclically Adjusted PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, TROOPS's Cyclically Adjusted PB Ratio distribution charts can be found below:
* The bar in red indicates where TROOPS's Cyclically Adjusted PB Ratio falls into.
Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.
TROOPS's Cyclically Adjusted PB Ratio for today 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.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
What does a Cyclically Adjusted PB Ratio of 0.92 mean?
TROOPS (TROO) has a Cyclically Adjusted PB Ratio of 0.92 as of Jul. 17, 2026. Cyclically Adjusted PB Ratio is the ratio of share price to a company's inflation-adjusted book value per share over a 10-year period. View historical data on TROOPS and its competitors. This is 384% above median its historical median of 0.19. Over the past decade, TROOPS's Cyclically Adjusted PB Ratio has ranged from 0.05 to 1.93. According to the industry distribution chart, TROOPS ranks #197 out of 420 companies in the Credit Services industry, placing it in the top 46.9%.
Is TROOPS's Cyclically Adjusted PB Ratio too high?
TROOPS's current Cyclically Adjusted PB Ratio of 0.92 is 384% above median its 10-year median of 0.19. Over the past 10 years, this metric has ranged from a low of 0.05 to a high of 1.93. The Credit Services industry median Cyclically Adjusted PB Ratio is 0.95. TROOPS's value of 0.92 is 2.6% below this industry median. Based on the distribution chart, TROOPS ranks #197 out of 420 companies in the Credit Services industry, which is above the industry midpoint. Overall, TROOPS has a GF Score™ of 60/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does TROOPS's Cyclically Adjusted PB Ratio compare to LX and OPRT?
According to the Credit Services industry distribution chart, TROOPS ranks #197 out of 420 companies for Cyclically Adjusted PB Ratio. This puts TROOPS in the upper half of its industry. The industry median Cyclically Adjusted PB Ratio is 0.95. TROOPS's value of 0.92 is 2.6% below this benchmark. Historically, TROOPS's own Cyclically Adjusted PB Ratio has ranged from 0.05 to 1.93 over the past decade. While the company's 10-year median is 0.19 vs. the industry median of 0.95, TROOPS 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 Cyclically Adjusted PB Ratio for a Credit Services company?
The median Cyclically Adjusted PB Ratio among Credit Services companies is 0.95, based on 420 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. TROOPS's current Cyclically Adjusted PB Ratio of 0.92 is 2.6% 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 Cyclically Adjusted PB Ratio mean?
A high Cyclically Adjusted PB Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PB Ratio is the ratio of share price to a company's inflation-adjusted book value per share over a 10-year period. View historical data on TROOPS and its competitors. For the Credit Services industry, the median Cyclically Adjusted PB Ratio is 0.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. TROOPS's current Cyclically Adjusted PB Ratio is 0.92, which is 384% above median its own 10-year median of 0.19. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is TROOPS stock overvalued right now?
Based on GuruFocus' analysis, TROOPS (TROO) is currently considered Significantly Undervalued. The stock's GF Value™ is $7.60, compared to a current price of $2.21 — trading 70.9% below its estimated fair value. The current Cyclically Adjusted PB Ratio is 0.92, which is 384% above median its 10-year median of 0.19 and 2.6% below the Credit Services industry median of 0.95. TROOPS's overall GF Score™ is 60/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted PB Ratio calculated?
Cyclically Adjusted PB Ratio is calculated from a company's financial statements. For TROOPS (TROO), the current Cyclically Adjusted PB Ratio is 0.92 as of Jul. 17, 2026. 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 TROOPS (TROO) Overvalued in 2026?
Based on GuruFocus' analysis, TROOPS stock appears to be undervalued.
The current stock price of $2.21 is trading 70.9% below its estimated GF Value™ of $7.60.
GuruFocus considers TROOPS to be Significantly Undervalued.
Key valuation signals for TROO:
Cyclically Adjusted PB Ratio: 0.92 (384% above median its 10-year median of 0.19)
GF Value™: $7.60 vs. price of $2.21 (70.9% below fair value)
Industry Position: 2.6% below the Credit Services median (#197 of 420)
No single metric tells the full story. See the TROO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
TROOPS Inc is a conglomerate group of various businesses with its headquarters based in Hong Kong. It is engaged in money lending business in Hong Kong providing mortgage loans to high quality target borrowers, property investment to generate rental income, the development, operation and management of an online financial marketplace that provides one-stop financial technology solutions including API services by leveraging artificial intelligence, big data and blockchain, and cloud computing (SaaS), consultancy services in relation to insurance referral to insurance brokers, and advisory and referral services in relation to the application of migration, education and visa renewal to its customers. It derives revenue from Hong Kong and Australia.
60GF Score
Get the complete analysis for TROO
Cyclically Adjusted PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
TROO has been successfully added to your 
