TROO (TROOPS) Peter Lynch Fair Value: N/A (As of Jul. 15, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

TROO TROOPS Inc TROO
59 GF Score
Price $2.14
GF Value $7.58
Valuation Significantly Undervalued
! 3 Warning Signs
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What is TROOPS Peter Lynch Fair Value?

Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year. Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years. If 5-Year Growth Rate is greater than 25% a year, we use 25. If 5-Year Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.


The historical rank and industry rank for TROOPS's Peter Lynch Fair Value or its related term are showing as below:



TROO's Price-to-Peter-Lynch-Fair-Value is not ranked *
in the Credit Services industry.
Industry Median: 0.73
* Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.

Note: Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart.


TROOPS  (NAS:TROO) Peter Lynch Fair Value Explanation

Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year.

Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years.

Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart. In Peter Lynch chart, a fixed P/E ratio of 15 is used to draw the Earnings Line. Therefore the value reached has a P/E ratio of 15. But in Peter Lynch Fair Value calculation, P/E equals to the growth rate of EBITDA per share over the past 5 years, which is 0 instead of 15 in this case.

TROOPS's Price to Peter Lynch Fair Value Ratio for today is calculated as

Price to Peter Lynch Fair Value=Share Price/Peter Lynch Fair Value
=2.1373/N/A
=N/A

* 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 Peter Lynch Fair Value Related Terms


TROOPS Peter Lynch Fair Value Historical Data

* Premium members only.

The historical data trend for TROOPS's Peter Lynch Fair Value 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.

TROOPS Peter Lynch Fair Value Chart

TROOPS Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Peter Lynch Fair Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

TROOPS Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Peter Lynch Fair Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

TROO vs LX, OPRT, MFIN: Peter Lynch Fair Value Comparison

For the Credit Services subindustry, TROOPS's Price-to-Peter-Lynch-Fair-Value, along with its competitors' market caps and Price-to-Peter-Lynch-Fair-Value 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 Price-to-Peter-Lynch-Fair-Value vs Credit Services Industry

For the Credit Services industry and Financial Services sector, TROOPS's Price-to-Peter-Lynch-Fair-Value distribution charts can be found below:

* The bar in red indicates where TROOPS's Price-to-Peter-Lynch-Fair-Value falls into.


TROO
59GF Score
TROOPS Inc TROO
Peter Lynch Fair Value is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

TROOPS Peter Lynch Fair Value Calculation

TROOPS's Peter Lynch Fair Value for today is calculated as

Peter Lynch Fair Value=PEG Ratio*5-Year TTM EBITDA Growth Rate***EPS without NRI (TTM)
=1* N/A *-0.129
=N/A

For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. TROOPS's EPS without NRI for the trailing twelve months (TTM) ended in Dec. 2025 was $-0.13.


* 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 be aware that the 5-Year TTM EBITDA Growth Rate is calculated based on TTM data over the last 5 years. For quarterly reported companies, the TTM data adds up the quarterly data reported by the company within the most recent 12 months. For companies that report semi-annually, annually, or do not have enough quarterly data, GuruFocus uses the annual data as the TTM data.

If 5-Year Earnings Growth Rate is greater than 25% a year, we use 25.

If 5-Year Earnings Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.

Please note that we use the 5-year average growth rate of EBITDA per share as the growth rate for non-bank companies, as EBITDA growth is subject to less manipulations than net earnings per share. For banks, we use the 5-year average growth rate of Book Value per share as the growth rate. The reason is that EBITDA is not applicable to Banks and Book value is a relative important measurement for Banks. In the calculation, PEG=1 because Peter Lynch thinks that the fair P/E ratio of the growth stock is equal to its earnings growth rate.

Is TROOPS (TROO) Overvalued in 2026?

Based on GuruFocus' analysis, TROOPS stock appears to be undervalued. The current stock price of $2.14 is trading 71.8% below its estimated GF Value™ of $7.58. GuruFocus considers TROOPS to be Significantly Undervalued.

Key valuation signals for TROO:

  • Peter Lynch Fair Value: N/A
  • GF Value™: $7.58 vs. price of $2.14 (71.8% below fair value)
  • GF Score™: 59/100 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.
59GF Score

Get the complete analysis for TROO

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

$2.14
Price
$7.58
GF Value