TROOPSTROO -3.98%60 3-Year ROIIC % is 135.28 as of Dec. 2025, which is 26956% above its 10-year median of 0.50. GuruFocus rates TROO with a GF Score™ of 60/100 and a GF Value™ of $7.56 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 393 Credit Services companies, TROOPS ranks better than 95.93% on this metric.
3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
TROOPS's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 135.28%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for TROOPS's 3-Year ROIIC % or its related term are showing as below:
TROO's 3-Year ROIIC % is ranked better than 95.93% of 393
companies
in the Credit Services industry
Industry Median: 2.85
vs TROO: 135.28
TROOPS (NAS:TROO) 3-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
TROOPS 3-Year ROIIC % Related Terms
TROOPS 3-Year ROIIC % Historical Data
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The historical data trend for TROOPS's 3-Year ROIIC % 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 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 3-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, TROOPS's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where TROOPS's 3-Year ROIIC % 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
TROOPS (TROO) has a 3-Year ROIIC % of 135.28 as of Dec. 2025. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on TROOPS and its competitors. This is 26956% above median its historical median of 0.50. According to the industry distribution chart, TROOPS ranks #16 out of 393 companies in the Credit Services industry, placing it in the top 4.1%.
Is TROOPS's 3-Year ROIIC % too high?
TROOPS's current 3-Year ROIIC % of 135.28 is 26956% above median its 10-year median of 0.50. The Credit Services industry median 3-Year ROIIC % is 2.85. TROOPS's value of 135.28 is 4646.7% above this industry median. Based on the distribution chart, TROOPS ranks #16 out of 393 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 60/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does TROOPS's 3-Year ROIIC % compare to LX and OPRT?
According to the Credit Services industry distribution chart, TROOPS ranks #16 out of 393 companies for 3-Year ROIIC %. This places TROOPS in the top 4% of its industry — outperforming the majority of peers. The industry median 3-Year ROIIC % is 2.85. TROOPS's value of 135.28 is 4646.7% above this benchmark. While the company's 10-year median is 0.50 vs. the industry median of 2.85, TROOPS has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year ROIIC % for a Credit Services company?
The median 3-Year ROIIC % among Credit Services companies is 2.85, based on 393 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. TROOPS's current 3-Year ROIIC % of 135.28 is 4646.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on TROOPS and its competitors. For the Credit Services industry, the median 3-Year ROIIC % is 2.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. TROOPS's current 3-Year ROIIC % is 135.28, which is 26956% above median its own 10-year median of 0.50. 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 $7.56, compared to a current price of $1.93 — trading 74.5% below its estimated fair value. The current 3-Year ROIIC % is 135.28, which is 26956% above median its 10-year median of 0.50 and 4646.7% above the Credit Services industry median of 2.85. TROOPS's overall GF Score™ is 60/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For TROOPS (TROO), the current 3-Year ROIIC % is 135.28 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 $1.93 is trading 74.5% below its estimated GF Value™ of $7.56.
GuruFocus considers TROOPS to be Significantly Undervalued.
Key valuation signals for TROO:
3-Year ROIIC %: 135.28 (26956% above median its 10-year median of 0.50)
GF Value™: $7.56 vs. price of $1.93 (74.5% below fair value)
Industry Position: 4646.7% above the Credit Services median (#16 of 393)
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.
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