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High Templar Tech Limited
(NYSE:HTT)
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Rating:55Neutral
Price Target:
$2.50
▼(-1.19% Downside)
Action:Reiterated
Date:08/06/26
HTT scores mid-range primarily because a comparatively strong balance sheet is offset by highly unstable revenue and operating profitability, with earnings quality concerns. Technical indicators are neutral-to-bearish (negative MACD and price below key moving averages). Valuation looks inexpensive on P/E, but the benefit is constrained by the underlying performance volatility and no dividend yield data.
Positive Factors
Resilient Balance Sheet
A large equity base and low leverage provide a durable financial buffer: with equity comprising the bulk of assets and debt-to-equity around 0.136, the company has structural capacity to absorb shocks, finance restructuring or investment, and preserve liquidity over the medium term.
Negative Factors
Revenue Collapse
A roughly 70% annual revenue drop is a structural red flag: sustained top-line erosion undermines scale economics, strains pricing power and customer retention, and makes fixed-cost absorption harder. Long-term growth recovery will be required to justify current operational footprint.
Read all positive and negative factors
Positive Factors
Negative Factors
Resilient Balance Sheet
A large equity base and low leverage provide a durable financial buffer: with equity comprising the bulk of assets and debt-to-equity around 0.136, the company has structural capacity to absorb shocks, finance restructuring or investment, and preserve liquidity over the medium term.
Read all positive factors
High Templar Tech Limited (HTT) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$382.29M
Dividend YieldN/A
Average Volume (3M)N/A
Price to Earnings (P/E)3.9
Beta (1Y)1.31
Revenue Growth-81.02%
EPS Growth747.73%
CountryUS
Employees101
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)4.27
Shares Outstanding91,792,336
10 Day Avg. VolumeN/A
30 Day Avg. VolumeN/A
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)0.34
Price to Sales (P/S)95.82
P/FCF Ratio6.87
Enterprise Value/Market Cap-5.52
Enterprise Value/Revenue-51.54
Enterprise Value/Gross Profit-725.18
Enterprise Value/Ebitda6.70
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
High Templar Tech Limited Business Overview & Revenue Model
Company Description
Qudian Inc. functions as a technology enterprise primarily serving individual consumers across the People's Republic of China. The company's principal activities encompass the provision of micro-credit and short-term cash advances, alongside finan...
High Templar Tech Limited Financial Statement Overview
Summary
Income Statement
38
Negative
Balance Sheet
72
Positive
Cash Flow
55
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 40.92M | 216.43M | 126.34M | 577.49M | 1.65B |
| Gross Profit | 2.91M | 15.40M | -33.78M | 194.40M | 1.36B |
| EBITDA | -277.31M | 213.00M | 142.75M | -201.86M | 961.87M |
| Net Income | 708.63M | 91.73M | 39.13M | -361.96M | 589.07M |
Balance Sheet | |||||
| Total Assets | 13.62B | 12.46B | 12.48B | 12.75B | 14.09B |
| Cash, Cash Equivalents and Short-Term Investments | 9.83B | 7.39B | 9.40B | 8.88B | 7.99B |
| Total Debt | 1.58B | 787.40M | 69.70M | 152.05M | 1.03B |
| Total Liabilities | 2.03B | 1.17B | 794.24M | 703.72M | 1.57B |
| Stockholders Equity | 11.64B | 11.29B | 11.69B | 12.04B | 12.52B |
Cash Flow | |||||
| Free Cash Flow | 570.44M | -429.00M | -213.01M | -12.76M | 443.63M |
| Operating Cash Flow | 687.06M | -111.00M | 352.02M | 260.87M | 922.07M |
| Investing Cash Flow | 845.44M | -2.34B | 3.90B | 1.88B | -246.58M |
| Financing Cash Flow | 555.59M | 186.84M | -565.97M | -834.99M | -84.19M |
High Templar Tech Limited Technical Analysis
2.53
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HTT, the sentiment is undefined. The current price of 2.53 is equal to the 20-day moving average (MA) of ―, equal to the 50-day MA of ―, and equal to the 200-day MA of ―, indicating a neutral trend. The MACD of ― indicates undefined momentum. The RSI at ― is undefined, neither overbought nor oversold. The STOCH value of ― is undefined, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a undefined sentiment for HTT.
High Templar Tech Limited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | $6.33B | 17.78 | 25.76% | ― | 17.65% | 43.92% | |
71 Outperform | $254.30M | 14.58 | 4.95% | ― | -3.81% | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $444.54M | 2.41 | 69.56% | ― | 25.29% | ― | |
56 Neutral | $371.53M | -69.93 | -7.04% | ― | 405.40% | 96.15% | |
55 Neutral | $382.29M | 3.85 | 6.11% | ― | -81.02% | 747.73% | |
55 Neutral | $2.63B | 53.79 | 6.59% | ― | 57.69% | ― |
* Financial Sector Average
HTT
High Templar Tech Limited
2.56
-1.54
-37.56%
TREE
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OPRT
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UPST
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30.20
-39.33
-56.57%
High Templar Tech Limited Corporate Events
High Templar Tech Launches Tender Offer to Repurchase Up to 39 Million ADSs
May 26, 2026
High Templar Tech Ltd, a foreign private issuer based in Xiamen, China, reports to U.S. investors via Form 20-F and maintains its listing through American depositary shares, underscoring its focus on global capital market access. The firm’s ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.