TROO (TROOPS) Moat Score: 1/10 (As of Jun. 29, 2026)


TROO TROOPS Inc TROO
58 GF Score
Price $2.59
GF Value $7.51
Valuation Significantly Undervalued
! 3 Warning Signs
View Full Analysis

What is TROOPS Moat Score?

TROOPS TROO +4.65% 58 Moat Score is 1 as of Jun. 29, 2026. 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 566 Credit Services companies, TROOPS ranks better than 87.63% on this metric.

TROOPS has the Moat Score of 1, which implies that the company might have No Moat - Very weak/transient advantages.

TROOPS has No Moat: TROOPS Inc operates in a competitive environment with no significant market share or customer switching costs. The company lacks valuable intellectual property, brand strength, and regulatory barriers, resulting in a very weak competitive position.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes TROOPS might have No Moat - Very weak/transient advantages.

TROOPS  (NAS:TROO) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

TROOPS Moat Score Related Terms

TROO vs LX, OPRT, MFIN: Moat Score Comparison

For the Credit Services subindustry, TROOPS's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Credit Services Industry

For the Credit Services industry and Financial Services sector, TROOPS's Moat Score distribution charts can be found below:

* The bar in red indicates where TROOPS's Moat Score falls into.


TROO
58GF Score
TROOPS Inc TROO
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 1 mean?
TROOPS (TROO) has a Moat Score of 1 as of Jun. 29, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, TROOPS ranks #70 out of 566 companies in the Credit Services industry, placing it in the top 12.4%.
Is TROOPS's Moat Score too high?
TROOPS's current Moat Score is 1. Based on the distribution chart, TROOPS ranks #70 out of 566 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 Moat Score compare to LX and OPRT?
According to the Credit Services industry distribution chart, TROOPS ranks #70 out of 566 companies for Moat Score. This places TROOPS in the top 12% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Credit Services company?
A good Moat Score depends on the Credit Services industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. TROOPS's current Moat Score is 1. 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 $2.59 — trading 65.5% below its estimated fair value. The current Moat Score is 1. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For TROOPS (TROO), the current Moat Score is 1 as of Jun. 29, 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 $2.59 is trading 65.5% below its estimated GF Value™ of $7.51. GuruFocus considers TROOPS to be Significantly Undervalued.

Key valuation signals for TROO:

  • Moat Score: 1
  • GF Value™: $7.51 vs. price of $2.59 (65.5% below fair value)
  • GF Score™: 58/100 with 3 warning signs

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 Business Description

Other Exchanges SG5:Germany
Address 8 Fui Yiu Kok Street, Unit A, 18th Floor, Tsuen Wan, New Territories, Hong Kong, HKG
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

Get the complete analysis for TROO

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$2.59
Price
$7.51
GF Value