TROOPSTROO -2.32%58 ROA % is -68.44% as of Dec. 2025. 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 546 Credit Services companies, TROOPS ranks worse than 97.25% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. TROOPS's annualizedNet Income for the quarter that ended in Dec. 2025 was $-53.88 Mil.
TROOPS's average Total Assets over the quarter that ended in Dec. 2025 was $78.73 Mil. Therefore, TROOPS's annualized ROA % for the quarter that ended in Dec. 2025 was -68.44%.
The historical rank and industry rank for TROOPS's ROA % or its related term are showing as below:
TROO'
s ROA % Range Over the Past 10 Years
Min: -59.1 Med: -10.89 Max: -0.49
Current: -35.38
During the past 13 years, TROOPS's highest ROA % was -0.49%. The lowest was -59.10%. And the median was -10.89%.
TROO's ROA % is ranked worse than 97.25% of 546
companies
in the Credit Services industry
Industry Median: 1.93
vs TROO: -35.38
TROOPS (NAS:TROO) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
TROOPS ROA % Related Terms
TROOPS ROA % Historical Data
* Premium members only.
The historical data trend for TROOPS's ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, TROOPS's ROA % distribution charts can be found below:
* The bar in red indicates where TROOPS's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is two times the semi-annual (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
TROOPS (TROO) has a ROA % of -68.44% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on TROOPS and its competitors. According to the industry distribution chart, TROOPS ranks #531 out of 546 companies in the Credit Services industry, placing it in the top 97.3%.
Is TROOPS's ROA % too high?
TROOPS's current ROA % is -68.44%. Based on the distribution chart, TROOPS ranks #531 out of 546 companies in the Credit Services industry, which is in the bottom quartile 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 ROA % compare to HTT and PRAA?
According to the Credit Services industry distribution chart, TROOPS ranks #531 out of 546 companies for ROA %. This places TROOPS in the lower half of its industry. The industry median ROA % is 1.93. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROA % for a Credit Services company?
The median ROA % among Credit Services companies is 1.93, based on 546 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on TROOPS and its competitors. For the Credit Services industry, the median ROA % is 1.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. TROOPS's current ROA % is -68.44%. 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 ROA % is -68.44%. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For TROOPS (TROO), the current ROA % is -68.44% 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:
ROA %: -68.44%
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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