High Templar Tech Limited - Sponsored ADR (HTT) vs X Financial Sponsored ADR (XYF)

High Templar Tech Limited - Sponsored ADR and X Financial Sponsored ADR are both Credit Services companies. High Templar Tech Limited - Sponsored ADR is the larger, with a market value of $226.5M against $119.1M — 1.9× the size. X Financial Sponsored ADR trades at the lower P/E: 2.4× against 4.0×. X Financial Sponsored ADR grew revenue faster over the last twelve months: −20.1% against −80.2%. High Templar Tech Limited - Sponsored ADR has the higher net margin (1,729.9% vs 10.3%) and the lower return on invested capital (−7.35% vs 7.47%). Across the 21 metrics below, X Financial Sponsored ADR leads on 15 and High Templar Tech Limited - Sponsored ADR on 6.

Valuation

Metric HTT XYF Credit Services median
P/E 4.02 2.37 9.64
P/S 66.70 0.24 0.87
P/B 0.23 0.17 1.16
Price to free cash flow 8.11 0.34 2.99
EV/EBITDA 13.71 n/m 9.58
EV/Sales (133.37) (0.04) 2.32
Earnings yield 24.90% 42.12% 6.72%
Free cash flow yield 12.33% 290.10% 12.33%

Profitability

Metric HTT XYF Credit Services median
Gross margin 7.13% 65.54% 77.13%
Operating margin (972.58%) 13.22% 0.34%
Net margin 1,729.90% 10.30% 9.25%
Free cash flow margin 822.54% 0.00% 13.03%
Return on equity 6.31% 7.66% 8.49%
Return on assets 5.55% 4.60% 2.29%
Return on invested capital (7.35%) 7.47% 4.09%

Growth

Metric HTT XYF Credit Services median
Revenue growth (TTM) (80.24%) (20.10%) 4.62%
EPS growth (last fiscal year) 771.43% 16.67% —
Revenue growth, 5-year CAGR (59.90%) 26.59% 9.13%
Net income growth, 5-year CAGR (7.16%) 0.00% 0.00%

Health

Metric HTT XYF Credit Services median
Debt to equity 0.14 0.05 0.68
Current ratio 5.75 2.06 1.55
Net debt to EBITDA 23.71 (1.05) 0.13

Dividend

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

Size

Metric HTT XYF Credit Services median
Market cap 226.45m 119.12m 872.19m

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