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TROOPSTROO -8.29%60 Debt-to-EBITDA is 0.00 as of Dec. 2025. GuruFocus rates TROO with a GF Score™ of 60/100 and a GF Value™ of $7.64 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 284 Credit Services companies, TROOPS ranks worse than 352112.32% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for TROOPS's Debt-to-EBITDA or its related term are showing as below:
During the past 13 years, the highest Debt-to-EBITDA Ratio of TROOPS was 4.26. The lowest was -5.62. And the median was -0.03.
TROO's Debt-to-EBITDA is not ranked *
in the Credit Services industry.
Industry Median: 9.3 * Ranked among companies with meaningful Debt-to-EBITDA only.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
TROOPS Debt-to-EBITDA Related Terms
TROOPS Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for TROOPS's Debt-to-EBITDA 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 Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, TROOPS's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where TROOPS's Debt-to-EBITDA falls into.
* 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is two times the quarterly (Dec. 2025) EBITDA data.
TROOPS (TROO) has a Debt-to-EBITDA of 0.00 as of Dec. 2025. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on TROOPS. According to the industry distribution chart, TROOPS ranks #999999 out of 284 companies in the Credit Services industry.
Is TROOPS's Debt-to-EBITDA too high?
TROOPS's current Debt-to-EBITDA is 0.00. Based on the distribution chart, TROOPS ranks #999999 out of 284 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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 Debt-to-EBITDA compare to LX and OPRT?
According to the Credit Services industry distribution chart, TROOPS ranks #999999 out of 284 companies for Debt-to-EBITDA. This places TROOPS in the lower half of its industry. The industry median Debt-to-EBITDA is 9.30. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Credit Services company?
The median Debt-to-EBITDA among Credit Services companies is 9.30, based on 284 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on TROOPS. For the Credit Services industry, the median Debt-to-EBITDA is 9.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. TROOPS's current Debt-to-EBITDA is 0.00. 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 $7.64, compared to a current price of $1.77 — trading 76.8% below its estimated fair value. The current Debt-to-EBITDA is 0.00. 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 Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For TROOPS (TROO), the current Debt-to-EBITDA is 0.00 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 $1.77 is trading 76.8% below its estimated GF Value™ of $7.64.
GuruFocus considers TROOPS to be Significantly Undervalued.
Key valuation signals for TROO:
Debt-to-EBITDA: 0.00
GF Value™: $7.64 vs. price of $1.77 (76.8% below fair value)
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
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