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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#1972
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Banking
$167M
Siu Lau
TROOPS, Inc. engages in the money lending business in Hong Kong and Australia. The company offers mortgage, personal, and corporate loans. It also develops, operates, and manages an online financial marketplace that connects financial institutions and users.
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| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$TROO Troops, Inc. /Cayman Islands/ | 50 | 39 | 15 | 98 | - | - | -78.6% | -67.8% | 19.3% | -56.9% | -133.2% | 1.8% | 0.0% | 0.0x | $167M | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
Troops, Inc. /Cayman Islands/ (TROO) receives a "Hold" rating with a composite score of 50.2/100. It ranks #1972 out of 7,333 stocks in our coverage universe and carries a 3-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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Outperforming peers — winners tend to keep winning over 3-12 months
Expensive relative to fundamentals — limited margin of safety
Average quality profile
High volatility — wider range of outcomes increases timing risk
Moderate investment profile
Mid-range overall rating
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
No analyst ratings for TROO.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 39 | 72 | -33DRAG |
| MOMENTUM | 98 | 99 | -1NEUTRAL |
| VALUATION | 15 | 3 | +12ALPHA |
| INVESTMENT | 37 | 67 | -30DRAG |
| STABILITY | 22 | 12 | +10ALPHA |
| SHORT INT | 26 | 13 | +13ALPHA |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROE proxy -78.6% (sector 9.0%)
GM 19% vs sector 78%, OM -57% vs sector 18%
Capital turnover N/A
Rev growth 2%, 9yr history
Interest coverage N/A
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate Troops, Inc. /Cayman Islands/ (TROO) as a Hold with a composite score of 50.2/100 at a current price of $3.10. The stock presents a mixed quantitative picture — neither compelling enough to warrant new accumulation nor weak enough to justify selling.
Troops, Inc. /Cayman Islands/ holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 50.2/100 places it at rank #1972 in our full universe.
The near-term outlook is constructive, with revenue growing at 2% and momentum in the 98th percentile confirming positive market sentiment. The combination of strong top-line growth and favorable price dynamics suggests the company is executing well on its growth strategy.
No Moat
High
Poor
Fair Value
Positive momentum indicates institutional accumulation.
Stable competitive position in a defensive sector.
Vulnerability to macroeconomic shocks and interest rate volatility.
Troops, Inc. /Cayman Islands/ represents a hold based on multi-factor quantitative performance.
Our model assigns Troops, Inc. /Cayman Islands/ a Hold rating, with a composite score of 50.2/100 and 3 out of 5 stars. Ranked #1972 of 7,333 stocks, TROO presents a mixed quantitative picture — neither compelling enough to initiate new positions nor weak enough to warrant selling. Investors already holding may consider maintaining their position while monitoring for changes in the factor profile.
TROO's quality score of 39/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of -78.6% (sector avg: 9.0%), gross margins of 19.3% (sector avg: 77.7%), net margins of -133.2% (sector avg: 21.9%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.
TROO registers a value score of just 15/100, suggesting the stock trades at a significant premium to its fundamental metrics. Key valuation metrics include a P/B ratio of 7.07x. High-premium valuations like this require strong future execution to avoid multiple compression, and downside risk is elevated if growth disappoints.
Troops, Inc. /Cayman Islands/'s investment score of 37/100 suggests limited reinvestment activity. Key growth metrics include revenue growth of 1.8% vs. a sector average of 10.7% and a return on assets of -67.8% (sector: 1.3%). While this can be positive for mature, cash-generative businesses returning capital to shareholders, it may also signal a lack of growth opportunities or management conservatism.
Troops, Inc. /Cayman Islands/ (TROO) is exhibiting exceptional momentum with a score of 98/100, placing it among the strongest trending stocks in the market. Revenue growth stands at 1.8% year-over-year, while a beta of 0.23 reflects its sensitivity to broader market moves. Stocks with momentum scores this high have historically outperformed over the following 3–12 months, suggesting TROO may continue to benefit from strong institutional interest and positive price trends.
Troops, Inc. /Cayman Islands/ registers a low stability score of 22/100, indicating high volatility and potentially stressed financial conditions. Key stability metrics include a beta of 0.23 and a debt-to-equity ratio of 0.00x (sector avg: 0.5x). Stocks at this level carry elevated capital loss risk and may be unsuitable for conservative portfolios without careful risk management.
Troops, Inc. /Cayman Islands/'s short interest score of 26/100 reveals significant bearish positioning, suggesting institutional investors are actively betting against the stock. Specific risk factors include micro-cap liquidity risk. At $167M (micro-cap), TROO carries meaningful risk and is best suited for investors with high risk tolerance who have thoroughly evaluated the bear thesis.
Troops, Inc. /Cayman Islands/ is a micro-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #1972 of 7,333 overall (73rd percentile). Key comparisons include ROE of -78.6% trailing the 9.0% sector median and operating margins of -56.9% below the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While TROO currently exhibits a HOLD profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
View Top Finance, Insurance, And Real Estate Alpha →Quant Factor Profile
Key factor gap
Momentum (98) vs Value (15) — closing this gap could shift the rating.
ROE 973% BELOW SECTOR MEDIAN
Gross Margin 75% BELOW SECTOR MEDIAN
Op. Margin 413% BELOW SECTOR MEDIAN
Above 50MA
37.18%
Net New Highs
+51081
Key Insights TROOPS' significant insider ownership suggests inherent interests in company's expansion The top 3...
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