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High Templar Tech Limited - Sponsored ADR

HTT Financial Credit Services

High Templar Tech Limited - Sponsored ADR’s revenue for fiscal 2025 (year ended December 2025) was $5.9 million, down 80.2% from fiscal 2024. In the quarter to December 2025, revenue fell 90.8%, EPS fell 200.0%, free cash flow grew 347.7% and total debt rose 235.1%, each against the same quarter a year earlier.

2.08 0.06 −2.80%
Market cap
$199.4M
P/E
3.5×
Fwd P/E
−23.1×
Dividend yield
—
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 42.77%

Capital & Financial Ratios $m

Market Cap 199.43
Revenue 5.86
Net Income 101.33
Free Cash Flow 593.52
Net Debt (851.43)
Current Ratio 4.80
Debt/Equity 0.20
P/E ratio 3.47
Fwd P/E (23.10) (negative: loss-making)
P/S ratio 57.57 (above 10: high)
P/B ratio 0.21
Past 5Y EPS Growth 2.09%
This Y EPS Growth —
Next Y EPS Growth —
Next Y revenue growth (100.00%) (below 0%: weak)
Next 5Y EPS Growth (2.96%) (below 0%: weak)

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 28.66%
10-year low 10-year high
P/S against its own 10 years 87.93%
10-year low 10-year high
P/B against its own 10 years 21.78%
10-year low 10-year high

Dividends

Payout Ratio —
Annual Dividend Rate —
Annual Dividend Yield —
total individual payouts
2024 Powerpack
2023 Powerpack
2022 Powerpack
2021 Powerpack
2020 Powerpack
special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 1,333 1,120 1,404 1,184
Receivables 4 5 1 —
Inventory — — — —
Other 94 265 224 440
1,431 1,389 1,629 1,624
2023 2024 2025 Q'26
Payables — — — —
ST’ Debt — 99 225 232
Other 44 12 7 61
106 154 283 338

Compound Annual Growth %

10y 5y 3y
Sales — (59.90%) (58.79%)
Cash Flow — (23.65%) 37.46%
Earnings — (7.16%) 0.00%
Book Value — (1.84%) (1.61%)

Revenue $m

Mar Jun Sep Dec Year
’26 — — — — —
’25 4 0 1 1 6
’24 8 7 8 7 30
’23 3 2 4 9 18
’22 32 16 15 21 84
’21 79 64 54 63 260
’20 135 165 125 140 565
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 — — — — —
’25 — — — 98 98
’24 — — — (15) (15)
’23 — — — — 50
’22 — — — — 38
’21 — — — — 145
’20 — — — — 379
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 — — — — —
’25 — — — 107 107
’24 — — — (59) (59)
’23 48 (43) 68 (79) (29)
’22 89 (58) (72) (39) (1)
’21 31 — — (75) 70
’20 75 45 171 (34) 345
Fiscal quarters ending in the months shown.

EPS $

Mar Jun Sep Dec Year
’26 — — — — —
’25 0.12 0.26 0.35 (0.15) 0.61
’24 (0.05) 0.07 0.10 (0.05) 0.07
’23 0.26 (0.05) (0.12) (0.08) 0.03
’22 (0.09) (0.04) (0.37) 0.30 (0.21)
’21 0.28 0.16 (0.06) (0.03) 0.36
’20 (0.27) 0.10 0.33 0.39 0.55
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

4
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low — 11.33 4.00 4.07 1.17 0.81 0.63 0.92 1.52 2.04

Analyst estimates 2026–2028

Powerpack
High — 35.45 17.80 9.21 5.09 3.82 2.18 2.54 3.20 5.08
People
People Employees 1,014 1,614 1,154 947 1,047 940 215 305 262 101
Revenue/emp, $m 0.21 0.45 0.97 1.34 0.54 0.28 0.39 0.06 0.11 0.06
Income, $m
Income, $m Revenue 213 734 1,119 1,270 565 260 84 18 30 6
Gross margin, % 81.44 81.55 64.44 89.80 76.62 81.94 33.66 (26.73) 7.12 7.13
EBT 104 372 385 559 187 133 (39) 14 22 106
EBT margin, % 48.76 50.68 34.44 44.01 33.10 51.17 (46.69) 80.32 72.79 1,804.78
Net income 85 333 362 469 147 92 (52) 6 13 101
Depreciation 4 1 2 3 2 3 1 2 3 7
Per share, $
Per share, $ Revenue 2.68 5.81 3.51 4.56 2.23 1.02 0.34 0.08 0.16 0.04
Earnings 1.07 2.63 1.14 1.68 0.58 0.36 (0.21) 0.03 0.07 0.63
Cash flow 1.48 3.74 1.52 2.84 1.49 0.57 0.15 0.23 (0.08) 0.61
Capex (0.01) (0.01) (0.06) (0.04) (0.13) (0.30) (0.16) (0.36) (0.24) 0.05
Free cash flow 1.47 3.73 1.46 2.80 1.36 0.27 0.00 (0.13) (0.32) 0.66
Book value (6.38) 11.60 4.94 6.15 7.20 7.75 7.10 7.58 8.46 10.26
Shares, m 79 126 319 279 254 253 246 217 183 162
Valuation, ×
Valuation, × P/E 21.46 9.25 3.70 2.84 2.38 2.63 0.00 99.00 40.29 5.92
P/S 0.00 0.00 1.22 1.03 0.62 0.95 2.76 24.18 17.39 98.25
P/B 0.00 0.00 0.87 0.77 0.19 0.13 0.13 0.26 0.33 0.35
EV/Sales 0.00 0.00 1.41 0.92 (0.94) (3.47) (12.49) (49.56) (16.47) (100.13)
EV/FCF 0.00 0.00 1.73 0.78 (0.89) (1.49) 6.48 8.50 (1.00) (0.99)
Cash, $m
Cash, $m Operating cash flow 117 473 485 791 379 145 38 50 (15) 98
Capex (1) (2) (20) (11) (34) (75) (39) (79) (43) 8
Free cash flow 116 471 464 780 345 70 (1) (29) (59) 107
Balance, $m
Balance, $m Working capital 354 1,515 1,377 1,885 1,719 1,840 1,519 1,325 1,235 1,346
Total debt 628 1,305 622 487 146 136 21 — 99 225
Net debt 449 (138) 208 (138) (883) (1,146) (1,277) (1,333) (1,021) (1,179)
Shareholders’ equity (506) 1,466 1,574 1,713 1,825 1,965 1,746 1,646 1,547 1,663
Returns, %
Returns, % ROA 4.23 16.52 13.56 18.75 6.27 4.34 (2.59) 0.31 0.73 5.55
ROIC 0.00 17.50 13.72 21.94 8.80 11.05 (6.36) (9.30) (5.02) (7.35)
ROE 17.74 69.28 23.84 28.53 8.31 4.88 (2.83) 0.32 0.79 6.31
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Dec 2025 · fundamentals updated 16 Oct 2026

Charts ten years each

High Templar Tech Limited - Sponsored ADR vs peers in Credit Services (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
RM Regional Management Corp. $318.0M 6.8× 6.4× +6.71% (above 0%: growing) −14.95% (below 0%: shrinking) +1.86% (above 0%: growing) 100.00% 19.97% Compare
PMTS CPI Card Group Inc. $297.9M 20.7× 9.0× +14.97% (above 0%: growing) +260.00% (above 0%: growing) +4,762.29% (above 0%: growing) 32.50% 7.95% Compare
FOA Finance of America Companies Inc. $279.1M — (loss-making) — (loss-making) −64.77% (below 0%: shrinking) n/m −89.96% (below 0%: shrinking) 100.00% (69.79%) Compare
MFIN Medallion Financial Corp. $256.9M 8.0× 8.6× +2.54% (above 0%: growing) −34.69% (below 0%: shrinking) +176.13% (above 0%: growing) 69.47% 0.00% Compare
CPSS Consumer Portfolio Services, Inc. $200.9M 9.2× 6.8× +10.59% (above 0%: growing) +31.82% (above 0%: growing) +94.93% (above 0%: growing) 100.00% 60.37% Compare
HTT High Templar Tech Limited - Sponsored ADR $199.4M 3.5× — (loss-making) −90.80% (below 0%: shrinking) n/m +347.70% (above 0%: growing) 20.72% (2,664.81%)
TROO TROOPS, Inc. $196.7M — (loss-making) — +10.79% (above 0%: growing) +101.54% (above 0%: growing) −94.20% (below 0%: shrinking) 23.83% 0.00% Compare
XYF X Financial Sponsored ADR $116.8M 2.3× — −53.85% (below 0%: shrinking) −89.20% (below 0%: shrinking) +194.87% (above 0%: growing) 57.63% 19.62% Compare
SUIG Sui Group Holdings Limited $104.5M — (loss-making) — (loss-making) −61.71% (below 0%: shrinking) n/m −651.07% (below 0%: shrinking) 100.00% (5,439.12%) Compare
Median of peers $228.9M 8.0× 7.7× +4.63% +8.44% +48.40% 84.74% 3.98%

All 55 Credit Services stocks →

High Templar Tech Limited - Sponsored ADR (HTT) key facts

  • Concern: High Templar Tech Limited - Sponsored ADR’s revenue for fiscal 2025 (year ended December 2025) was $5.9 million, down 80.2% from fiscal 2024.
  • High Templar Tech Limited - Sponsored ADR (HTT) is a Credit Services company in the Financial sector, listed on the New York Stock Exchange.
  • As of October 16, 2026, HTT traded at $2.08, a market capitalization of $199.4 million.
  • Return on equity was 6.31% and debt-to-equity 0.20.
  • Its Piotroski F-score is 6 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations · fundamentals updated Oct 16, 2026.

High Templar Tech Limited - Sponsored ADR (HTT) Latest News

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stockrow.com/HTT · Data as of Oct 16, 2026 · For information only; not investment advice. · © 2026 stockrow.com