High Templar Tech Limited - Sponsored ADR (HTT) vs CPI Card Group Inc. (PMTS)

High Templar Tech Limited - Sponsored ADR and CPI Card Group Inc. are both Credit Services companies. CPI Card Group Inc. is the larger, with a market value of $289.8M against $226.5M — 1.3× the size. High Templar Tech Limited - Sponsored ADR trades at the lower P/E: 4.0× against 20.6×. CPI Card Group Inc. grew revenue faster over the last twelve months: 16.9% against −80.2%. High Templar Tech Limited - Sponsored ADR has the higher net margin (1,729.9% vs 2.34%) and the lower return on invested capital (−7.35% vs 14.8%). Across the 21 metrics below, CPI Card Group Inc. leads on 12 and High Templar Tech Limited - Sponsored ADR on 9.

Valuation

Metric HTT PMTS Credit Services median
P/E 4.02 20.63 9.64
P/S 66.70 0.48 0.87
P/B 0.23 n/m 1.16
Price to free cash flow 8.11 3.71 2.99
EV/EBITDA 13.71 6.57 9.58
EV/Sales (133.37) 0.91 2.32
Earnings yield 24.90% 4.85% 6.72%
Free cash flow yield 12.33% 26.93% 12.33%

Profitability

Metric HTT PMTS Credit Services median
Gross margin 7.13% 30.97% 77.13%
Operating margin (972.58%) 9.22% 0.34%
Net margin 1,729.90% 2.34% 9.25%
Free cash flow margin 822.54% 13.03% 13.03%
Return on equity 6.31% (67.92%) 8.49%
Return on assets 5.55% 3.48% 2.29%
Return on invested capital (7.35%) 14.77% 4.09%

Growth

Metric HTT PMTS Credit Services median
Revenue growth (TTM) (80.24%) 16.91% 4.62%
EPS growth (last fiscal year) 771.43% (23.78%) —
Revenue growth, 5-year CAGR (59.90%) 11.73% 9.13%
Net income growth, 5-year CAGR (7.16%) (1.51%) 0.00%

Health

Metric HTT PMTS Credit Services median
Debt to equity 0.14 (22.85) 0.68
Current ratio 5.75 2.09 1.55
Net debt to EBITDA 23.71 3.37 0.13

Dividend

Metric HTT PMTS Credit Services median
Dividend yield — — 3.34%
Payout ratio 0.00 0.00 0.00

Size

Metric HTT PMTS Credit Services median
Market cap 226.45m 289.80m 872.19m

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