stockrow
Friday 6 November 2026
Export TROO’s income statement to Excel — free account
TROOPS, Inc.
TROO Financial Credit Services
TROOPS, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $17.1 million, up 69.7% from fiscal 2024.
1.75
0.01
+0.57%
Follow TROO
Alert me
Target Price Range
Analyst price targets
Free accountTen years at a glance Fiscal years to December
| Ten-year view | Analyst estimates Powerpack | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group | Line | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Trend | 10 yrs | 2026e | 2027e | 2028e | Next 3/yr |
| Income, $m | |||||||||||||||||
| Income, $m | Revenue | 5 | 0 | 2 | 5 | 4 | 4 | 4 | 4 | 10 | 17 | +14.5% | — | — | — | — | |
| Gross margin, % | 3.99 | (2,533.33) | (66.77) | 53.45 | (24.83) | 9.77 | 21.21 | 21.74 | 19.27 | 9.15 | +5.2 pt | ||||||
| EBT | (5) | (9) | (14) | (1) | (68) | (9) | 0 | (2) | (13) | (29) | +20.8% | ||||||
| EBT margin, % | (105.78) | (17,947.06) | (877.34) | (10.42) | (1,589.38) | (231.85) | (10.37) | (52.09) | (132.89) | (172.01) | (66.2) pt | ||||||
| Net income | (5) | (9) | (14) | (1) | (68) | (8) | 0 | (2) | (13) | (28) | +20.9% | ||||||
| Per share, $ | |||||||||||||||||
| Per share, $ | Revenue | 0.68 | 0.00 | 0.05 | 0.06 | 0.04 | 0.04 | 0.04 | 0.04 | 0.10 | 0.14 | (16.0%) | |||||
| Earnings | (0.68) | (0.99) | (0.35) | (0.24) | (0.69) | (0.08) | 0.00 | (0.02) | (0.13) | (0.23) | (11.3%) | ||||||
| Cash flow | (0.15) | (0.70) | (1.03) | 0.04 | 0.22 | 0.12 | 0.00 | (0.06) | 0.02 | 0.01 | n/m | ||||||
| Capex | 0.00 | 0.00 | (0.07) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | n/m | ||||||
| Free cash flow | (0.15) | (0.70) | (1.10) | 0.04 | 0.22 | 0.12 | (0.01) | (0.07) | 0.02 | 0.01 | n/m | ||||||
| Book value | 11.68 | 7.39 | 4.79 | 1.51 | 0.72 | 0.62 | 0.61 | 0.60 | 0.67 | 0.41 | (31.1%) | ||||||
| Shares, m | 7 | 11 | 35 | 79 | 98 | 102 | 102 | 102 | 102 | 121 | +36.3% | ||||||
| Valuation, × | |||||||||||||||||
| Valuation, × | P/E | 1.91 | 0.60 | 2.07 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.5 | |||||
| P/S | 0.08 | 0.03 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.0 | ||||||
| P/B | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.0 | ||||||
| EV/Sales | 0.00 | 0.00 | (0.15) | 0.21 | 0.34 | (0.42) | (0.38) | (0.23) | 1.29 | 1.44 | 0.2 | ||||||
| EV/FCF | (0.19) | 0.25 | 0.28 | (0.03) | (0.15) | (0.06) | (0.06) | (0.07) | 1.55 | (2.23) | (0.1) | ||||||
| Cash, $m | |||||||||||||||||
| Cash, $m | Operating cash flow | (1) | (8) | (36) | 3 | 22 | 12 | 0 | (7) | 2 | 1 | n/m | |||||
| Capex | — | — | (2) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | (35.2%) | ||||||
| Free cash flow | (1) | (8) | (39) | 3 | 22 | 12 | (1) | (7) | 2 | 1 | n/m | ||||||
| Balance, $m | |||||||||||||||||
| Balance, $m | Working capital | (1) | 2 | 67 | 40 | 18 | 4 | 9 | 6 | 14 | (1) | +8.0% | |||||
| Net debt | 0 | (2) | (14) | 1 | 3 | (3) | (3) | (1) | (4) | (4) | n/m | ||||||
| Shareholders’ equity | 87 | 84 | 168 | 120 | 71 | 63 | 62 | 61 | 68 | 49 | (6.1%) | ||||||
| Returns, % | |||||||||||||||||
| Returns, % | ROA | (5.39) | (11.29) | (8.55) | (11.74) | (59.10) | (10.49) | (0.49) | (2.46) | (17.94) | (37.65) | (32.3) pt | |||||
| ROIC | (2.85) | (6.99) | (5.79) | (0.38) | (56.88) | (9.30) | (0.56) | (1.90) | (5.54) | (41.01) | (38.2) pt | ||||||
| ROE | (6.14) | (13.15) | (9.82) | (13.48) | (71.35) | (12.64) | (0.55) | (2.80) | (20.82) | (47.59) | (41.4) pt | ||||||
| People | |||||||||||||||||
| People | Employees | 11 | 10 | 8 | 11 | 14 | 19 | 19 | 19 | 42 | 47 | +17.5% | |||||
| Revenue/emp, $m | 0.46 | 0.01 | 0.20 | 0.47 | 0.31 | 0.19 | 0.20 | 0.19 | 0.24 | 0.36 | (2.6%) | ||||||
Negative figures in brackets.
estimates
Fiscal years to Dec 2025 · latest quarter Dec 2013
TROOPS, Inc. vs peers in Credit Services (Q) = latest quarter vs a year earlier
| Company | Market cap | P/E | Fwd P/E | Revenue growth (Q) | EPS growth (Q) | FCF growth (Q) | Gross margin (Q) | EBIT margin (Q) | Compare |
|---|---|---|---|---|---|---|---|---|---|
| FINV PPDAI Group Inc. Sponsored ADR | $376.9M | 2.6× | 3.4× | +0.42% (above 0%: growing) | −31.71% (below 0%: shrinking) | −7,180.65% (below 0%: shrinking) | 78.46% | 17.42% | Compare |
| RM Regional Management Corp. | $336.6M | 7.2× | 7.2× | +8.03% (above 0%: growing) | +9.80% (above 0%: growing) | −5.64% (below 0%: shrinking) | 100.00% | 24.60% | Compare |
| PMTS CPI Card Group Inc. | $286.3M | 17.1× | 14.7× | +14.78% (above 0%: growing) | +115.00% (above 0%: growing) | +90.21% (above 0%: growing) | 31.73% | 9.89% | Compare |
| MFIN Medallion Financial Corp. | $223.7M | 8.6× | 8.8× | +10.13% (above 0%: growing) | −67.65% (below 0%: shrinking) | +176.13% (above 0%: growing) | 66.95% | 0.00% | Compare |
| FOA Finance of America Companies Inc. | $222.1M | — (loss-making) | 2.6× | −64.77% (below 0%: shrinking) | n/m | −89.96% (below 0%: shrinking) | 100.00% | (69.79%) | Compare |
| CPSS Consumer Portfolio Services, Inc. | $215.9M | 9.1× | 6.8× | +21.66% (above 0%: growing) | +45.45% (above 0%: growing) | +11.04% (above 0%: growing) | 100.00% | 61.10% | Compare |
| TROO TROOPS, Inc. | $212.6M | — (loss-making) | — | +10.79% (above 0%: growing) | +101.54% (above 0%: growing) | −94.20% (below 0%: shrinking) | 23.83% | 0.00% | |
| HTT High Templar Tech Limited - Sponsored ADR | $161.2M | 2.9× | — (loss-making) | −90.80% (below 0%: shrinking) | n/m | +347.70% (above 0%: growing) | 20.72% | (2,664.81%) | Compare |
| XYF X Financial Sponsored ADR | $107.3M | 2.2× | — | −53.85% (below 0%: shrinking) | −89.20% (below 0%: shrinking) | +194.87% (above 0%: growing) | 57.63% | 19.62% | Compare |
| Median of peers | $222.9M | 7.2× | 7.0× | +4.22% | −10.95% | +50.63% | 72.71% | 13.66% |