# TROOPS share price today (TROOPS, Inc., TROO)

> TROOPS, Inc.'s share price, valuation and earnings point in different directions. The next one or two quarters should make it clearer. TROO · Financials · Credit Services · data as of 3 November 2026. Page: https://www.sectoralpha.in/us/stocks/troo

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## Key numbers

- Price: $2.04 (+42.7% in a year)
- P/BV: 5.1× (higher than 52% of the last 1 year)
- Revenue (Dec 2025): $9.5 M (+27.0% on a year ago)
- Profit (Dec 2025): −$26.9 M
- Net margin: −284.3% (−122.8 points on a year ago)
- ROE: −48%, FY25

Biggest thing to watch: the price is not yet in a clear uptrend, so timing is the risk more than the business. ## What is the TROOPS share price today? TROOPS, Inc.'s share price was $2.04 at the close on 3 November 2026. That is 23.3% below its average price over the last 200 trading days. In the last 52 weeks it traded between $1 and $5, and at that close it sat 24% of the way up from that low. Over the past 13 weeks it has done better than the S&P 500, and it has stayed ahead for 3 weeks in a row. Over the last 1 year the share price moved +214% while the S&P 500 moved +21%, so it is ahead of the index over that whole period. The chart above shows the 13-week comparison for every week. This page treats a rise as over when the price closes below its 200-day average on two Fridays in a row. ## What dividend does TROOPS pay? TROOPS, Inc. pays no dividend. In the last 12 reported quarters it declared no dividend per share, so there is no payout history to chart and no yield to show. Companies like this usually keep their earnings in the business, so the cash-flow sections show where that cash goes. ## Which stock lists is TROOPS on? TROOPS is not in the Nasdaq 100, the S&P 500 or the Dow Jones 30, and is not on the US tech stocks list. ## Is TROOPS profitable? TROOPS, Inc. posted a net loss of $26.9 M in the Dec 2025 quarter. The full FY25 year was a loss of $27.9 M. That loss is 284.3% of the quarter's revenue. The same quarter a year earlier lost $681 K. 11 of the last 12 reported quarters were loss-making. ## How much revenue does TROOPS make, and is it growing? TROOPS, Inc. reported $9.5 M of income in the Dec 2025 quarter, +27.0% on the same quarter a year earlier. That is the 4th quarter in a row with growth on the year before. Over 4 years it has grown 46.8% a year on average. The last full year, FY25, came in at $17.1 M. FY25 revenue was $17.1 M, +69.7% on the year before. Recent pace: the last four quarters grew +147.9% on average, against 46.8% a year over the longer run, so this year is growing faster than its own long-run rate. Is growth speeding up? Revenue over the last 12 months grew +265.0%, against +84.6% a year over the last 8 quarters (accelerating). ## How much does TROOPS keep from what it earns? TROOPS, Inc.'s net margin was −284.3% in the Dec 2025 quarter, 122.8 percentage points lower than the same quarter a year ago. Over the last four quarters it has moved −245.0 percentage points. Across 5 years it has been between −228.4% and −8.9%. The latest quarter is below every full year in that period. Why: the net margin move is clear, but the cost details behind it are not in our data, so we show the move without guessing the reason. ## How many of TROOPS' loans have gone bad? TROOPS, Inc. does not report loan-quality figures this page can read, so this section says so rather than guess. No bad-loan figures are filed in a form this page can read, and none are guessed from the profit line. The income, margin and return sections carry what this business does report. Why: loan quality drives a lender, but its details (new bad loans, recoveries, money set aside) are not in our data for this company. The sections around this one carry what we can back up. ## How fast is TROOPS' loan book growing? TROOPS, Inc.'s revenue was $17.1 M in FY25, +69.7% on the year before, so the loan book is growing. The latest quarter was +27.0% on a year earlier. The net margin on that income is −284.3%, −122.8 percentage points on a year ago. Interest income stands in for the size of the loan book; changes in interest rates can move it a few points in any year. In short: a lender grows well when its loan book grows, its margin stays steady and its loans stay clean. Quarterly loan-quality figures are missing here, so revenue growth and margin are the two we watch. ## What is TROOPS' P/BV ratio, and how does it compare with its own history? TROOPS, Inc.'s P/BV is 5.1×, in the middle of its own history: higher than 52% of past readings. Its usual P/BV (the middle reading) is 5.0×, over 1 year of weekly prices. This compares the share price with the company’s own past. It does not say what the business is worth. Why the multiple is low: this lender earns about −48% a year on its equity. A lender that earns less on its net worth is valued lower for each dollar of it, and that gap usually closes only if returns improve. In short: the multiple is about average against its own past, so the book value trend underneath matters more than the multiple. ## Is the TROOPS business getting better or worse? TROOPS, Inc.'s business trend cannot be read yet. There are fewer than eight usable quarters of growth figures, so there is not enough history to read the trend. This is based on 10 quarters of 2 measures, with some gaps. Why it matters: with too little history, we say so rather than guess a direction. The latest quarter’s profit includes a one-off item bigger than the normal business, so the profit line is shown but does not count in this reading. One or more growth lines have an extreme jump caused by comparing with a near-zero or loss-making quarter. Those jumps are capped before reading and drawn at the edge of the chart, so one odd quarter does not decide the result. The return figures here are yearly, not quarterly. They show level and direction only; they can support the growth lines but never decide the reading alone. There are fewer than eight usable quarters, so this page does not guess a direction from so little history. ## How much does TROOPS earn on its equity and assets? TROOPS, Inc. earned a return on equity of −57% in FY25. That is its lowest yearly reading on file. On its assets, every $100 earned about −$13.57, before the effect of borrowing. For a lender the balance sheet is the business, so the return on equity and on assets have to be read together. That return is below the level a bank needs to grow its net worth quickly, which helps explain why its multiple is where it is. Why: the ROE chart shows the move, but the deposit-cost and bad-loan details behind it are not in our data. ## Does TROOPS have too much debt? For a bank, borrowing is the raw material of the business, not a warning sign: it borrows money in order to lend it out. Its safety is read through its returns and its loans. Its safety is read from the bad-loan figures and the return on equity instead. For a manufacturer, debt is a claim on its profits. For a lender it is the stock it trades in, so the usual debt-to-equity test would mislead and is not used here. ## What is the TROOPS shareholding pattern? 6.2% of TROOPS, Inc.'s tradable shares are in short positions, which are bets that the price will fall, so some traders are betting against it. At normal trading volumes, closing those positions would take about 17.1 days. US companies do not publish a quarter-by-quarter list of owners, so this page uses short interest instead. It is a single reading at one point in time; we do not have its history. Why it is at this level: the figure does not say who holds the short positions or why, so we show the level without guessing the story. ## How far is TROOPS from balance-sheet trouble? For TROOPS, Inc., the Z-score is not used, because it was built for manufacturers, not lenders. For a lender, safety is read from its capital and bad-loan figures instead. ## How does TROOPS rank in its industry? There is no score against its industry: TROOPS, Inc. is not among the largest members shown in this industry comparison for Credit Services. The score ranks a company within its industry: each measure is scored against the other members. Without that group there is no score, so none is shown. ## Which companies is TROOPS compared with? No sector comparison is shown here, not among the largest members shown in this industry comparison. ## Which companies are close to TROOPS in size? TROOPS is the 39th largest of 42 Credit Services companies on Sector Alpha by market value (scores of 3 November 2026). Just above it: Regional Management Corp., CPI Card Group Inc. and High Templar Tech. Just below it: Medallion Financial Corp., Consumer Portfolio Services, Inc. and X Financial. ### Credit Services companies close in size

1. [Regional Management Corp.](https://www.sectoralpha.in/us/stocks/rm) $347 million
2. [CPI Card Group Inc.](https://www.sectoralpha.in/us/stocks/pmts) $286 million
3. [High Templar Tech Limited](https://www.sectoralpha.in/us/stocks/htt) $276 million
4. TROOPS, Inc. $249 million
5. [Medallion Financial Corp.](https://www.sectoralpha.in/us/stocks/mfin) $219 million
6. [Consumer Portfolio Services, Inc.](https://www.sectoralpha.in/us/stocks/cpss) $213 million
7. [X Financial](https://www.sectoralpha.in/us/stocks/xyf) $187 million

[All 42 Credit Services companies, largest first](https://www.sectoralpha.in/us/sectors/credit-services#all-companies)

### Companies close in size in other industries

1. [AudioCodes Ltd.](https://www.sectoralpha.in/us/stocks/audc) $269 million · Communication Equipment
2. [Hawthorn Bancshares, Inc.](https://www.sectoralpha.in/us/stocks/hwbk) $269 million · Banks - Regional
3. TROOPS, Inc. $269 million
4. [Gloo Holdings, Inc.](https://www.sectoralpha.in/us/stocks/gloo) $268 million · Software - Application
5. [SEACOR Marine Holdings Inc.](https://www.sectoralpha.in/us/stocks/smhi) $268 million · Marine Shipping

## What else do people ask about TROOPS? ### What were TROOPS's latest quarterly results? TROOPS, Inc. reported total income of $9.5 M and a net loss of $26.9 M for the Dec 2025 quarter. Earnings per share were −$0.21. The net margin was −284.3%, 122.8 percentage points lower than a year earlier (as of 3 November 2026). ### What is TROOPS's market cap? TROOPS, Inc.'s market capitalisation is $249 M at a stock price of $2.04. Market cap is the share price times the number of shares, so it changes whenever the price moves (as of 3 November 2026). ### How is TROOPS performing? TROOPS, Inc.'s latest readings are below. Over the past 13 weeks it has done better than the S&P 500, for 3 weeks running. This describes what the data did, not a rating (as of 3 November 2026). ### Will TROOPS's stock price go up? This page does not forecast TROOPS, Inc.'s stock price. What it shows instead: the stock price is $2.04. Its P/BV of 5.1× is higher than 52% of its own last 1 years. Nobody can reliably say which way a price will move, and this site does not try (as of 3 November 2026). ### Where is TROOPS in its business cycle? TROOPS, Inc.'s FY25 net margin was −163.2%, against a 5-year range of −228.4% to −8.9%: the middle of its own range, neither a peak nor a low. The latest quarter was −284.3%. Comparing margins with a company's own long history is a good way to see where it is in its cycle (as of 3 November 2026). ### What could break the TROOPS story? Biggest thing to watch: the price is not yet in a clear uptrend, so timing is the risk more than the business. On price, this page treats a rise as over when the share price closes below its 200-day average on two Fridays in a row (as of 3 November 2026). ### Is TROOPS a stock worth studying right now? What the numbers show: TROOPS, Inc.'s share price, valuation and earnings point in different directions. The next one or two quarters should make it clearer. The main open question: the next one or two quarters of results. Every number on this page is worked out by code from the published figures, with no forecasts and no price opinions (as of 3 November 2026). This is research, not advice. We’re not SEBI-registered.