Valuation
Is the price right?Insufficient data
Insufficient data: 1 of 3 inputs reported (at least 2 needed). We leave it blank rather than fill the gap with a made-up middle value.
Bringing the fundamentals into focus…
HTT Financial ServicesBeta data
High Templar Tech Limited
$1.78-1.66%
Price as of close on Nov 3, 2026 · Financials updated Oct 1, 2026
Basics
- Sector
- Financial Services
- Industry
- Credit Services
- Country
- China
- Market cap
- 276.4M USD
- Full-time employees
- 101
Growth
Is it growing?43/100
Moderate▼ 2 since Oct 27 close
3/3 inputs reported · High confidence
Since last year: ▼ Weaker
- 12-month revenue fell 81.1%
Why it changed since the Oct 27, 2026 close: Score 45 → 43
- Peer companies moved-2
Why
Compare with peers Mixed versus peers:
- ▲ EPS growth
- ▼ 3-yr revenue
- ▼ Revenue growth
Behind the score
Revenue and earnings-per-share growth over one year, and revenue growth over three years.
Earnings per share growth767.3%
Yahoo Finance · fiscal year to Dec 2025Outlier capped at sector 5th/95th percentile33% base weight · Z-score 8.06Sector median: 0.0999 · MAD: 0.27733-year revenue growth-58.6%
SEC filings · 3 years to Dec 2025Outlier capped at sector 5th/95th percentile33% base weight · Z-score -4.39Sector median: 0.0999 · MAD: 0.0858Revenue growth-81.1%
SEC filings · 12 months to Dec 2025Outlier capped at sector 5th/95th percentile33% base weight · Z-score -3.87Sector median: 0.0742 · MAD: 0.1477Profitability
Does it earn well?6/100
Weak
3/3 inputs reported · High confidence
Since last year: ▲ Stronger
- Free cash flow turned positive over the last 12 months
Why
Compare with peers Weaker than most peers on:
- ▼ Operating margin
- ▼ ROIC
Behind the score
Return on invested capital, operating margin, and return on assets.
Operating margin-972.6%
SEC filings · 12 months to Dec 2025Outlier capped at sector 5th/95th percentile33% base weight · Z-score -6.84Sector median: 0.2353 · MAD: 0.1462Return on assets5.2%
SEC filings · 12 months to Dec 2025Reported value33% base weight · Z-score 1.14Sector median: 0.0256 · MAD: 0.0233Return on invested capital-5.2%
SEC filings · 12 months to Dec 2025Reported value33% base weight · Z-score -2.21Sector median: 0.0630 · MAD: 0.0518Other data (not scored)
Gross margin11.9%
Yahoo Finance · trailing 12 monthsReported valueInformational · 0% composite weightSector median: 0.7878 · MAD: 0.2122Return on equity6.2%
Yahoo Finance · trailing 12 monthsReported valueInformational · 0% composite weightSector median: 0.0939 · MAD: 0.0702Risk
Debt, liquidity, price swingsLower
Lower relative risk
3/3 inputs reported · High confidence
Since last year: No major change
Why it changed since the Oct 27, 2026 close: Safety percentile 73 → 71
- Peer companies moved-2
Why
Compare with peers Stronger than most peers on:
- ▲ Current ratio
- ▲ Debt / equity
Behind the score
Relative to sector peers: 0 = lower relative risk · 1 = moderate · 2 = higher. Based on leverage, beta and liquidity.
Beta1.29
Yahoo Finance · 5-year monthly beta vs the marketReported value33% base weight · Z-score -1.88Sector median: 0.7010 · MAD: 0.3115Current ratio5.75×
Yahoo FinanceReported value33% base weight · Z-score 2.99Sector median: 2.0250 · MAD: 1.2470Debt / equity0.14×
Yahoo FinanceReported value33% base weight · Z-score 0.80Sector median: 0.5734 · MAD: 0.5454Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.
Questions investors ask about High Templar Tech
- Is High Templar Tech getting weaker?
- Its latest SEC filing (Apr 10, 2026) was mixed: some things better, some worse: 12-month revenue fell 81.1%; free cash flow turned positive over the last 12 months. Its overall score is 40/100, down 1 since Oct 28, 2026.
- How is High Templar Tech valued vs its peers?
- Insufficient data: 1 of 3 inputs reported (at least 2 needed).
- Is High Templar Tech growing?
- At about the same pace as its peers. Growth scores 43/100 against 432 financial services peers. Earnings per share growth 767.3% vs a peer median of 10.0% (stronger than 96% of peers).Earnings per share growth 767.3% vs peers 10.0% (stronger than 96% of peers). 3-year revenue growth -58.6% vs a peer median of 10.0% (weaker than 100% of peers).3-year revenue growth -58.6% vs peers 10.0% (weaker than 100% of peers).
- How profitable is High Templar Tech?
- Less profitable than most of its peers. Profitability scores 6/100 against 432 financial services peers. Return on assets 5.2% vs a peer median of 2.6% (stronger than 72% of peers).Return on assets 5.2% vs peers 2.6% (stronger than 72% of peers). Operating margin -972.6% vs a peer median of 23.5% (weaker than 100% of peers).Operating margin -972.6% vs peers 23.5% (weaker than 100% of peers).
- How risky is High Templar Tech?
- Lower risk relative to 432 financial services peers, judged on debt, liquidity and share-price swings. Current ratio 5.75× vs a peer median of 2.02× (stronger than 76% of peers).Current ratio 5.75× vs peers 2.02× (stronger than 76% of peers). Beta 1.29 vs a peer median of 0.70 (weaker than 85% of peers).Beta 1.29 vs peers 0.70 (weaker than 85% of peers). A relative measure, not a bankruptcy probability.
Latest filing: what changed
Year ended Dec 31, 2025 · filed Apr 10, 2026 · compared with the year ended Dec 31, 2024Mixed: some things better, some worse
- 12-month revenue fell 81.1%
- Free cash flow turned positive over the last 12 months
Worth watching: High Templar Tech is in the bottom fifth of its sector on profitability. From 2021 to 2025, 63% of companies in that position posted a loss over the following year, against 4% for the top fifth.
| Previous year | Latest year | Change | |
|---|---|---|---|
| Revenue (12 months) | 216.4M CNY | 41.0M CNY | −81.1% |
| Net income (12 months) | 91.7M CNY | 708.6M CNY | +672.5% |
| Operating margin | -142.4% | -972.6% | −830.2 pts |
| Free cash flow (12 months) | −429.0M CNY | 570.4M CNY | turned positive |
| Cash | 4.3B CNY | 5.5B CNY | +29.8% |
From the company’s own SEC filings, as filed. Twelve-month figures roll forward one year at a time.
Financials
Fiscal years from SEC annual filings · change vs the prior year · amounts in CNY, as reported| Key ratios | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | Change |
|---|---|---|---|---|---|---|
| Operating margin | 55.8% | -57.1% | -262.0% | -142.4% | -972.6% | ▼ 830 pts |
| Net margin | 35.6% | -62.7% | 31.0% | 42.4% | 1729.9% | ▲ >999 pts |
| Return on assets (ROA) | 4.2% | -2.8% | 0.3% | 0.7% | 5.2% | ▲ 4.5 pts |
| Return on equity (ROE) | 4.7% | -3.0% | 0.3% | 0.8% | 6.1% | ▲ 5.3 pts |
| Debt to equity | — | — | — | 0.06× | 0.14× | ▲ 112% |
HTT price history
Price history is added with the daily price update and will appear after the next one.