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
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
Health
Dividend
Size
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