TROOPSTROO -1.98%58 Days Payable is 27.29 as of Dec. 2025, which is 19% below its 10-year median of 33.58. GuruFocus rates TROO with a GF Score™ of 58/100 and a GF Value™ of $7.51 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 302 Credit Services companies, TROOPS ranks better than 50.66% on this metric.
TROOPS's average Accounts Payable for the
six
months ended in Dec. 2025 was $1.35 Mil. TROOPS's Cost of Goods Sold for the
six
months ended in Dec. 2025 was $9.04 Mil.
Hence, TROOPS's Days Payable for the
six
months ended in Dec. 2025 was 27.29.
The historical rank and industry rank for TROOPS's Days Payable or its related term are showing as below:
TROO'
s Days Payable Range Over the Past 10 Years
Min: 0.07 Med: 33.58 Max: 73.3
Current: 33.97
During the past 13 years, TROOPS's highest Days Payable was 73.30. The lowest was 0.07. And the median was 33.58.
TROO's Days Payable is ranked better than 50.66% of 302
companies
in the Credit Services industry
Industry Median: 33.405
vs TROO: 33.97
TROOPS's Days Payable
declined
from Dec. 2024 (41.57) to Dec. 2025 (27.29).
It may suggest that TROOPSaccelerated paying its suppliers.
TROOPS Days Payable Related Terms
TROOPS Days Payable Historical Data
* Premium members only.
The historical data trend for TROOPS's Days Payable 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.
For the Credit Services subindustry, TROOPS's Days Payable, along with its competitors' market caps and Days Payable 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 Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, TROOPS's Days Payable distribution charts can be found below:
* The bar in red indicates where TROOPS's Days Payable falls into.
Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.
TROOPS's Days Payable for the fiscal year that ended in Dec. 2025 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.
TROOPS (TROO) has a Days Payable of 27.29 as of Dec. 2025. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on TROOPS and its competitors. This is 19% below median its historical median of 33.58. Over the past decade, TROOPS's Days Payable has ranged from 0.07 to 73.30. According to the industry distribution chart, TROOPS ranks #149 out of 302 companies in the Credit Services industry, placing it in the top 49.3%.
Is TROOPS's Days Payable too high?
TROOPS's current Days Payable of 27.29 is 19% below median its 10-year median of 33.58. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 73.30. The Credit Services industry median Days Payable is 33.41. TROOPS's value of 27.29 is 18.3% below this industry median. Based on the distribution chart, TROOPS ranks #149 out of 302 companies in the Credit Services industry, which is above the industry midpoint. Overall, TROOPS has a GF Score™ of 58/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does TROOPS's Days Payable compare to HTT and PRAA?
According to the Credit Services industry distribution chart, TROOPS ranks #149 out of 302 companies for Days Payable. This puts TROOPS in the upper half of its industry. The industry median Days Payable is 33.41. TROOPS's value of 27.29 is 18.3% below this benchmark. Historically, TROOPS's own Days Payable has ranged from 0.07 to 73.30 over the past decade. While the company's 10-year median is 33.58 vs. the industry median of 33.41, 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 Days Payable for a Credit Services company?
The median Days Payable among Credit Services companies is 33.41, based on 302 companies in the industry. Companies in the top quartile (top 25%) have a Days Payable significantly above this median, while those in the bottom quartile fall well below. However, Days Payable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. TROOPS's current Days Payable of 27.29 is 18.3% 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 Days Payable mean?
A high Days Payable can signal that a stock is expensive relative to its fundamentals. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on TROOPS and its competitors. For the Credit Services industry, the median Days Payable is 33.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. TROOPS's current Days Payable is 27.29, which is 19% below median its own 10-year median of 33.58. 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 $7.51, compared to a current price of $2.48 — trading 67% below its estimated fair value. The current Days Payable is 27.29, which is 19% below median its 10-year median of 33.58 and 18.3% below the Credit Services industry median of 33.41. TROOPS's overall GF Score™ is 58/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Days Payable calculated?
Days Payable is calculated from a company's financial statements. For TROOPS (TROO), the current Days Payable is 27.29 as of Dec. 2025. 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 $2.48 is trading 67% below its estimated GF Value™ of $7.51.
GuruFocus considers TROOPS to be Significantly Undervalued.
Key valuation signals for TROO:
Days Payable: 27.29 (19% below median its 10-year median of 33.58)
GF Value™: $7.51 vs. price of $2.48 (67% below fair value)
Industry Position: 18.3% below the Credit Services median (#149 of 302)
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.
58GF Score
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