TROOPSTROO -14.09%58 3-Year RORE % is 55.26 as of Dec. 2025. GuruFocus rates TROO with a GF Score™ of 58/100 and a GF Value™ of $7.55 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 519 Credit Services companies, TROOPS ranks better than 84.97% on this metric.
Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
TROOPS's 3-Year RORE % for the quarter that ended in Dec. 2025 was 55.26%.
The industry rank for TROOPS's 3-Year RORE % or its related term are showing as below:
TROO's 3-Year RORE % is ranked better than 84.97% of 519
companies
in the Credit Services industry
Industry Median: 8.83
vs TROO: 55.26
TROOPS (NAS:TROO) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
TROOPS 3-Year RORE % Related Terms
TROOPS 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for TROOPS's 3-Year RORE % 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 RORE %, along with its competitors' market caps and 3-Year RORE % 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 RORE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, TROOPS's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where TROOPS's 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Dec. 2025 and 3-year before.
TROOPS (TROO) has a 3-Year RORE % of 55.26 as of Dec. 2025. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on TROOPS and its competitors. According to the industry distribution chart, TROOPS ranks #78 out of 519 companies in the Credit Services industry, placing it in the top 15%.
Is TROOPS's 3-Year RORE % too high?
TROOPS's current 3-Year RORE % is 55.26. The Credit Services industry median 3-Year RORE % is 8.83. TROOPS's value of 55.26 is 525.8% above this industry median. Based on the distribution chart, TROOPS ranks #78 out of 519 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 3-Year RORE % compare to LX and OPRT?
According to the Credit Services industry distribution chart, TROOPS ranks #78 out of 519 companies for 3-Year RORE %. This places TROOPS in the top 15% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 8.83. TROOPS's value of 55.26 is 525.8% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Credit Services company?
The median 3-Year RORE % among Credit Services companies is 8.83, based on 519 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. TROOPS's current 3-Year RORE % of 55.26 is 525.8% 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 RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on TROOPS and its competitors. For the Credit Services industry, the median 3-Year RORE % is 8.83 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. TROOPS's current 3-Year RORE % is 55.26. 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 $7.55, compared to a current price of $2.23 — trading 70.5% below its estimated fair value. The current 3-Year RORE % is 55.26 and 525.8% above the Credit Services industry median of 8.83. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For TROOPS (TROO), the current 3-Year RORE % is 55.26 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 $2.23 is trading 70.5% below its estimated GF Value™ of $7.55.
GuruFocus considers TROOPS to be Significantly Undervalued.
Key valuation signals for TROO:
3-Year RORE %: 55.26
GF Value™: $7.55 vs. price of $2.23 (70.5% below fair value)
Industry Position: 525.8% above the Credit Services median (#78 of 519)
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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