TROO (TROOPS) ROE % Adjusted to Book Value: -10.47% (As of Dec. 2025)

TROOPS TROO -1.98% 58 ROE % Adjusted to Book Value is -10.47% 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.

TROOPS's ROE % for the quarter that ended in Dec. 2025 was -83.56%. TROOPS's PB Ratio for the quarter that ended in Dec. 2025 was 7.98. TROOPS's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was -10.47%.

TROOPS ROE % Adjusted to Book Value Related Terms

TROOPS ROE % Adjusted to Book Value Historical Data

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The historical data trend for TROOPS's ROE % Adjusted to Book 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 ROE % Adjusted to Book Value Chart

TROOPS Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

ROE % Adjusted to Book Value

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-1.58

-0.15

-0.56

-7.71

-5.96

TROOPS Semi-Annual Data
	Jun16	Dec16	Jun17	Dec17	Jun18	Dec18	Jun19	Dec19	Jun20	Dec20	Jun21	Dec21	Jun22	Dec22	Jun23	Dec23	Jun24	Dec24	Jun25	Dec25
ROE % Adjusted to Book Value	Get a 7-Day Free Trial															-0.45	-1.28	-14.01	-2.33	-10.47

TROO vs HTT, PRAA, LX: ROE % Adjusted to Book Value Comparison

For the Credit Services subindustry, TROOPS's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book 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 ROE % Adjusted to Book Value vs Credit Services Industry

For the Credit Services industry and Financial Services sector, TROOPS's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where TROOPS's ROE % Adjusted to Book Value falls into.

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58GF Score

TROOPS Inc TROO

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TROOPS ROE % Adjusted to Book Value Calculation

TROOPS's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value	=	ROE %	/	PB Ratio
	=	-47.59%	/	7.98
	=	-5.96%

TROOPS's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value	=	ROE %	/	PB Ratio
	=	-83.56%	/	7.98
	=	-10.47%

Frequently Asked Questions Learn more about ROE % Adjusted to Book Value →

What does a ROE % Adjusted to Book Value of -10.47% mean?

TROOPS (TROO) has a ROE % Adjusted to Book Value of -10.47% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on TROOPS and its competitors.

Is TROOPS's ROE % Adjusted to Book Value too high?

TROOPS's current ROE % Adjusted to Book Value is -10.47%. 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 ROE % Adjusted to Book Value compare to HTT and PRAA?

TROOPS's ROE % Adjusted to Book Value of -10.47% can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good ROE % Adjusted to Book Value for a Credit Services company?

A good ROE % Adjusted to Book Value depends on the Credit Services industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?

A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on TROOPS and its competitors. TROOPS's current ROE % Adjusted to Book Value is -10.47%. 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 $2.48 — trading 67% below its estimated fair value. The current ROE % Adjusted to Book Value is -10.47%. 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 ROE % Adjusted to Book Value calculated?

ROE % Adjusted to Book Value is calculated from a company's financial statements. For TROOPS (TROO), the current ROE % Adjusted to Book Value is -10.47% 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 $2.48 is trading 67% below its estimated GF Value™ of $7.51. GuruFocus considers TROOPS to be Significantly Undervalued.

Key valuation signals for TROO:

ROE % Adjusted to Book Value: -10.47%
GF Value™: $7.51 vs. price of $2.48 (67% 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

Industry Financial Services Credit Services

Comparable Companies HTT PRAA LX RM OPFI GDOT WRLD LPRO OPRT MFIN V MA AXP COF BOM:500034 PYPL AFRM SYF NSE:SHRIRAMFIN SOFI

Other Exchanges SG5:Germany

Address 8 Fui Yiu Kok Street, Unit A, 18th Floor, Tsuen Wan, New Territories, Hong Kong, HKG

Website https://www.troops.co

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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$2.48

Price

$7.51

GF Value

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