High Templar Tech Limited - Sponsored ADR (HTT) vs LexinFintech Holdings Ltd. Sponsored ADR (LX)

High Templar Tech Limited - Sponsored ADR and LexinFintech Holdings Ltd. Sponsored ADR are both Credit Services companies. High Templar Tech Limited - Sponsored ADR is the larger, with a market value of $199.4M against $90.7M — 2.2× the size. LexinFintech Holdings Ltd. Sponsored ADR trades at the lower P/E: 0.7× against 3.5×. LexinFintech Holdings Ltd. Sponsored ADR grew revenue faster over the last twelve months: −1.19% against −80.2%. High Templar Tech Limited - Sponsored ADR has the higher net margin (1,729.9% vs 8.06%) and the lower return on invested capital (0.00% vs 3.06%). Across the 20 metrics below, LexinFintech Holdings Ltd. Sponsored ADR leads on 15 and High Templar Tech Limited - Sponsored ADR on 5.

Valuation

Metric HTT LX Credit Services median
P/E 3.47 0.73 9.39
P/S 57.57 0.06 0.86
P/B 0.21 0.06 1.16
Price to free cash flow 0.57 0.14 2.78
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 28.85% 137.50% 6.55%
Free cash flow yield 176.01% 740.14% 12.26%

Profitability

Metric HTT LX Credit Services median
Gross margin 7.13% 25.63% 77.13%
Operating margin (972.58%) 5.03% 0.34%
Net margin 1,729.90% 8.06% 9.25%
Free cash flow margin 10,132.32% 0.00% 12.91%
Return on equity 0.00% 9.05% 8.49%
Return on assets 0.00% 4.76% 2.16%
Return on invested capital 0.00% 3.06% 4.09%

Growth

Metric HTT LX Credit Services median
Revenue growth (TTM) (80.24%) (1.19%) 4.62%
EPS growth (last fiscal year) 771.43% 51.69% 21.94%
Revenue growth, 5-year CAGR (59.90%) 1.05% 9.13%
Net income growth, 5-year CAGR (7.16%) 21.34% 0.00%

Health

Metric HTT LX Credit Services median
Debt to equity 0.20 0.31 0.68
Current ratio 4.80 2.09 1.55
Net debt to EBITDA 23.71 0.48 0.13

Dividend

Metric HTT LX Credit Services median
Dividend yield — 29.38% 1.64%
Payout ratio — 0.22 0.22

Size

Metric HTT LX Credit Services median
Market cap 199.43m 90.69m 751.08m

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