TROO

BEARISH

$2.93 Live

TROOPS, Inc. · NASDAQ

$0.5 52W Range $5.28

TROO TROOPS, Inc. - Fundamental Analysis

BEARISH

Console Chart News

TROO Stock | Fundamental Analysis & Investment Insights

NASDAQ • Financial Services • Credit Services

Current Price Live

$2.93

52W High

$5.28

52W Low

$0.5

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 21, 2026

Market cap

$370.82M

P/E

N/A

ROE

-18.7%

Profit margin

-86.3%

Debt/Equity

0.0

Dividend yield

N/A

AI Analysis

AI-powered fundamental assessment

Confidence

85%

TROO presents a high-risk profile characterized by a stable Piotroski F-Score of 4/9 but severe fundamental imbalances. While the company exhibits hyper-growth with 192.10% YoY revenue increase and maintains a debt-free balance sheet with high liquidity (Current Ratio 6.36), its profitability is disastrous, featuring a negative gross margin of -7.27% and a profit margin of -86.34%. The valuation is extreme, with a Price/Sales ratio of 24.58, which is unsustainable for the credit services industry. Despite recent price momentum, the lack of earnings and negative margins suggest the stock is trading on speculation rather than intrinsic value.

Key Strengths

Exceptional YoY revenue growth of 192.10%

Zero debt (Debt/Equity 0.00)

Strong short-term liquidity (Current Ratio 6.36)

Significant 1-year price appreciation (+432.7%)

Stable financial health baseline (Piotroski 4/9)

Key Risks

Negative gross margins indicate a fundamentally flawed cost structure

Extreme valuation (P/S 24.58) far exceeds industry norms

Severe net losses (Profit Margin -86.34%)

Bearish technical trend (0/100) despite recent price spikes

Lack of institutional analyst coverage and guidance

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Weak

Value

Future

Past

Health

Dividend

AI Verdict

Speculative Bubble

Key drivers: Hyper-revenue growth, Negative gross margins, Extreme P/S ratio, Debt-free balance sheet

Confidence

90%

Value

10/100

Ref P/E, PEG, Graham Number

Positives

No standout positives identified.

Watchpoints

P/S of 24.58 is excessive
P/B of 4.64 is high for financial services
No P/E due to negative earnings

Future

60/100

Ref Growth rates

Positives

Massive revenue scaling (192% YoY)

Watchpoints

Unable to monetize growth into positive gross profit

Past

50/100

Ref Historical trends

Positives

Strong 1Y price performance

Watchpoints

Negative 3Y change (-33.9%)

Health

70/100

Ref Altman Z-Score, Piotroski F-Score

Positives

Zero debt
High current and quick ratios

Watchpoints

Piotroski F-Score is only moderate (4/9)

Dividend

0/100

Ref Yield, Payout

Positives

No standout positives identified.

Watchpoints

No dividend payments
0/100 dividend strength

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$2.93

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for TROO and closest competitors.

Updated 2026-04-20

Company	5Y	3Y	1Y	6M	1M	1W
TROO TROOPS, Inc. Primary	+74.4%	-33.9%	+432.7%	+110.8%	+16.3%	+22.1%
AII American Integrity Insurance Group, Inc. Peer	+19.2%	+19.2%	+19.2%	-5.9%	+13.9%	-0.4%
FMAO Farmers & Merchants Bancorp, Inc. Peer	+31.1%	+31.6%	+20.5%	+14.3%	+7.6%	+5.4%
TCPC BlackRock TCP Capital Corp. Peer	-41.7%	-30.4%	-22.8%	-16.0%	+23.6%	+10.7%
BRBI BRBI BR Partners S.A. Peer	-37.0%	-37.0%	-37.0%	-37.0%	+6.4%	+5.7%

TRO

TROOPS, Inc.

Primary

+74.4%

-33.9%

+432.7%

+110.8%

+16.3%

+22.1%

AII

American Integrity Insurance Group, Inc.

Peer

+19.2%

-5.9%

+13.9%

-0.4%

FMA

Farmers & Merchants Bancorp, Inc.

Peer

+31.1%

+31.6%

+20.5%

+14.3%

+7.6%

+5.4%

TCP

BlackRock TCP Capital Corp.

Peer

-41.7%

-30.4%

-22.8%

-16.0%

+23.6%

+10.7%

BRB

BRBI BR Partners S.A.

Peer

-37.0%

+6.4%

+5.7%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

N/A

4.64

24.58

24.24

-113.35

$370.82M

Profitability

Profit margins and return metrics

Profit Margin -86.34%

Operating Margin -16.17%

Gross Margin -7.27%

ROE -18.72%

ROA -3.98%

Growth

Revenue and earnings growth rates

Revenue Growth +192.1%

Earnings Growth N/A

Q/Q Revenue Growth N/A

Q/Q Earnings Growth N/A

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

0.0

Low debt

Current Ratio

6.36

Strong

Quick Ratio

2.08

Excellent

Cash/Share

$0.04

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2024

Total Assets

$0.1B

Liabilities

$0.0B

Equity

$0.1B

Debt/Equity

0.16x

Financial Services Sector Comparison

Comparing TROO against 579 companies in the Financial Services sector (106 bullish, 239 neutral, 234 bearish)

Return on Equity (ROE)

-18.72%

This Stock

-0.24%

Sector Avg

+7604.6% (Excellent)

Profit Margin

-86.34%

This Stock

47.47%

Sector Avg

-281.9% (Weaker)

Debt to Equity

0.0

This Stock

1.36

Sector Avg

-100.0% (Less Debt)

Revenue Growth

192.1%

This Stock

39.3%

Sector Avg

+388.8% (Fast Growth)

Current Ratio

6.36

This Stock

3.65

Sector Avg

+74.2% (Stronger)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
TROO TROOPS, Inc.	BEARISH	$370.82M	-	-18.7%	-86.3%	$2.93
AII American Integrity...	BULLISH	$373.57M	3.41	39.9%	36.0%	$19.08	Compare
FMAO Farmers & Merchants Bancorp, Inc.	BULLISH	$375.1M	11.23	9.4%	27.9%	$27.28	Compare
TCPC BlackRock TCP Capital Corp.	BEARISH	$366.0M	-	-12.9%	-44.1%	$4.34	Compare
BRBI BRBI BR Partners S.A.	BEARISH	$377.72M	10.74	20.9%	-%	$14.39	Compare

TROO TROOPS, Inc.

BEARISH

Mkt Cap

$371M

P/E

ROE

-18.7%

Price

$2.93

Compare with TROO

Compare with TROO

TCPC BlackRock TCP...

Compare with TROO

BRBI BRBI BR Partners S.A.

Compare with TROO

SEC Filings

Recent regulatory filings from the SEC EDGAR database

20-F

2025-04-30

TROO filed its annual report on Form 20-F on April 30, 2025. Specific financial highlights and risk factors were not provided in the available metadata.

20-F

FORM 20-F

2024-04-29

TROO filed its annual Form 20-F on April 29, 2024. Due to the absence of provided excerpts, specific financial highlights and risk factors are unavailable for summary.

Data sourced from SEC EDGAR. AI summaries generated automatically.

Past News Coverage

Recent headlines mentioning TROO from our newsroom.

Newest → oldest

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TROO

TROO TROOPS, Inc. - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Financial Services Sector Comparison

Similar Companies

SEC Filings

Past News Coverage

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