High Templar Tech Limited (HTT)
NYSE:HTT
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High Templar Tech Limited
(NYSE:HTT)
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Rating:55Neutral
Price Target:
$2.50
Action:ReiteratedDate:04/13/26
The score is anchored by mixed financial performance: a strong equity cushion and manageable leverage are outweighed by highly unstable revenues and weak core operating profitability, with cash flows also volatile. Technicals add pressure due to a broader downtrend, while a low P/E provides partial valuation support.
Positive Factors
Resilient balance sheet and large equity base
A large equity base relative to assets and low leverage provide enduring financial flexibility to absorb operating volatility, fund restructuring or new investments, and support creditor confidence. This foundation reduces insolvency risk over a multi-month horizon as operations normalize.
Negative Factors
Severe revenue collapse and business wind‑down
An 81% top-line decline and the winding down of the last‑mile delivery segment represent a structural shrinkage of core revenue. Recovering or replacing that lost revenue is a multi‑quarter challenge and raises execution risk for reestablishing sustainable growth.
Read all positive and negative factors
Positive Factors
Negative Factors
Resilient balance sheet and large equity base
A large equity base relative to assets and low leverage provide enduring financial flexibility to absorb operating volatility, fund restructuring or new investments, and support creditor confidence. This foundation reduces insolvency risk over a multi-month horizon as operations normalize.
Read all positive factors
High Templar Tech Limited (HTT) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$411.16M
Dividend YieldN/A
Average Volume (3M)N/A
Price to Earnings (P/E)5.5
Beta (1Y)1.07
Revenue GrowthN/A
EPS GrowthN/A
CountryUS
Employees262
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)-0.15
Shares Outstanding125,912,680
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-6.49
Enterprise Value/Revenue-19.55
Enterprise Value/Gross Profit-251.96
Enterprise Value/Ebitda-17.03
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. operates as a consumer-oriented technology company in the People's Republic of China. The company provides small cash credit products to consumers; and financial leasing and financing guarantee services, as well as technology developme...
High Templar Tech Limited Financial Statement Overview
Summary
Income Statement
38
Negative
Balance Sheet
72
Positive
Cash Flow
55
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 136.53M | 40.92M | 216.43M | 126.34M | 577.49M | 1.65B |
| Gross Profit | 10.60M | 2.91M | 15.40M | -33.78M | 194.40M | 1.36B |
| EBITDA | 156.76M | -277.31M | 213.00M | 142.75M | -201.86M | 961.87M |
| Net Income | 527.42M | 710.88M | 91.73M | 39.13M | -361.96M | 589.07M |
Balance Sheet | ||||||
| Total Assets | 12.75B | 13.62B | 12.46B | 12.48B | 12.75B | 14.09B |
| Cash, Cash Equivalents and Short-Term Investments | 8.64B | 9.83B | 7.39B | 9.40B | 8.88B | 7.99B |
| Total Debt | 732.48M | 1.58B | 787.40M | 69.70M | 152.05M | 1.03B |
| Total Liabilities | 1.17B | 2.03B | 1.17B | 794.24M | 703.72M | 1.57B |
| Stockholders Equity | 11.58B | 11.64B | 11.29B | 11.69B | 12.04B | 12.52B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 570.44M | -429.00M | -213.01M | -12.76M | 443.63M |
| Operating Cash Flow | -802.38M | 687.06M | -111.00M | 352.02M | 260.87M | 922.07M |
| Investing Cash Flow | -2.93B | 845.44M | -2.34B | 3.90B | 1.88B | -246.58M |
| Financing Cash Flow | -457.80M | 555.59M | 186.84M | -565.97M | -834.99M | -84.19M |
High Templar Tech Limited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
Performance Comparison
High Templar Tech Limited Corporate Events
High Templar Tech Swings to 2025 Profit on Investment Gains as Core Revenue Plunges
Mar 11, 2026
High Templar Tech Limited on March 11, 2026 reported unaudited results for the fourth quarter and full year ended December 31, 2025, showing a sharp contraction in operating revenue as it wound down its last-mile delivery business. Fourth-quarter ...
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.