TROOPSTROO -2.32%58 Interest Coverage is No Debt (1) as of Dec. 2025, which is 100% below its 10-year median of 10,000.00. 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 163 Credit Services companies, TROOPS ranks better than 98.16% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. TROOPS's
Operating Income
for the
six
months ended in Dec. 2025 was $-15.45 Mil. TROOPS's Interest Expense for the
six
months ended in Dec. 2025 was $0.00 Mil.
TROOPS has no debt.
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Ben Graham prefers companies' interest coverage to be at least 5. TROOPS Inc has enough cash to cover all of its debt. Its financial situation is stable.
(1) Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
The historical rank and industry rank for TROOPS's Interest Coverage or its related term are showing as below:
TROO'
s Interest Coverage Range Over the Past 10 Years
Min: No Debt Med: No Debt Max: No Debt
Current: No Debt
TROO's Interest Coverage is ranked better than 98.16% of 163
companies
in the Credit Services industry
Industry Median: 47.86
vs TROO: No Debt
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
TROOPS Interest Coverage Related Terms
TROOPS Interest Coverage Historical Data
* Premium members only.
The historical data trend for TROOPS's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
TROO vs HTT, PRAA, LX: Interest Coverage Comparison
For the Credit Services subindustry, TROOPS's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, TROOPS's Interest Coverage distribution charts can be found below:
* The bar in red indicates where TROOPS's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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.
What does a Interest Coverage of No Debt <sup>(1)</sup> mean?
TROOPS (TROO) has a Interest Coverage of No Debt (1) as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on TROOPS and its competitors. This is 100% below median its historical median of 10,000.00. Over the past decade, TROOPS's Interest Coverage has ranged from 10,000.00 to 10,000.00. According to the industry distribution chart, TROOPS ranks #3 out of 163 companies in the Credit Services industry, placing it in the top 1.8%.
Is TROOPS's Interest Coverage too high?
TROOPS's current Interest Coverage of No Debt (1) is 100% below median its 10-year median of 10,000.00. Over the past 10 years, this metric has ranged from a low of 10,000.00 to a high of 10,000.00. Based on the distribution chart, TROOPS ranks #3 out of 163 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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 Interest Coverage compare to HTT and PRAA?
According to the Credit Services industry distribution chart, TROOPS ranks #3 out of 163 companies for Interest Coverage. This places TROOPS in the top 2% of its industry — outperforming the majority of peers. The industry median Interest Coverage is 47.86. Historically, TROOPS's own Interest Coverage has ranged from 10,000.00 to 10,000.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Coverage for a Credit Services company?
The median Interest Coverage among Credit Services companies is 47.86, based on 163 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on TROOPS and its competitors. For the Credit Services industry, the median Interest Coverage is 47.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. TROOPS's current Interest Coverage is No Debt (1), which is 100% below median its own 10-year median of 10,000.00. 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 $7.51, compared to a current price of $2.53 — trading 66.3% below its estimated fair value. The current Interest Coverage is No Debt (1), which is 100% below median its 10-year median of 10,000.00. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For TROOPS (TROO), the current Interest Coverage is No Debt (1) 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 $2.53 is trading 66.3% below its estimated GF Value™ of $7.51.
GuruFocus considers TROOPS to be Significantly Undervalued.
Key valuation signals for TROO:
Interest Coverage: No Debt (1) (100% below median its 10-year median of 10,000.00)
GF Value™: $7.51 vs. price of $2.53 (66.3% 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.
58GF Score
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