High Templar Tech Limited (HTT) Fair Value & Analysis

Financial Services · US · Market cap $481M

A solid business, screening 110% undervalued on our models.

What matters now

• The price is below even our cautious bear case ($3.98). The market is more pessimistic than our downside scenario.
• Solid quality (63/100) at a price below fair value, the discount is the argument here, not the business quality.
• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 5, 2026.

How to read this chart

60‑month range $0.6300 – $5.02 · fair‑value band $3.98 – $6.62 · the $2.52 price screens below the $5.30 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 5, 2026.

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Analysis

High Templar Tech Limited (HTT) currently trades at $2.52, while our model-based Fair Value estimate is $5.30, implying the stock looks roughly 110.3% undervalued today. The Quality Score stands at 63/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Trailing-twelve-month revenue stands at $41.0M. It earns a return on equity of 6.2%. The balance sheet holds a net cash position of $5.5B. The stock trades on a trailing P/E of 4.9. Fundamentals as of Jul 5, 2026

Our scenario range runs from $3.98 (bear case) to $6.62 (bull case); at $2.52, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 50% below its 52-week high and 34% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -41% fair-value upside, at 110%, HTT screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: DCF Models ($88.83) versus Earnings-Based ($37.29). Highest evidence: Growth DCF (80).

Key figures & financial health

Quality Score breakdown

About the company

High Templar Tech Limited operates as a consumer-oriented financial technology service company in the People's Republic of China. The company provides aircraft leasing services; technology development and services; and research and development services.

Full company description

High Templar Tech Limited operates as a consumer-oriented financial technology service company in the People's Republic of China. The company provides aircraft leasing services; technology development and services; and research and development services. It also offers social security insurance including pension insurance, unemployment insurance, work-related injury insurance, and medical insurance for its employees. In addition, the company provides financial technology business management system comprising a core service system group, a user identification and risk management system group, a payment and finance group, system platform support, a BI system group, and an intelligent monitoring system to financial institutions. Further, it offers full-process technical services and full-scenario precision marketing services. The company was formerly known as Qudian Inc. and changed its name to High Templar Tech Limited in December 2025. High Templar Tech Limited was founded in 2014 and is headquartered in Xiamen, China.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

High Templar Tech Limited reported revenue of $40.9M in FY2025 versus $1.7B in FY2021, a compound −60.3%/yr. Reported net income was $709M in FY2025, compounding +4.7%/yr from FY2021.

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Peer Group

Credit Services · 333 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Valuation Multiples vs Credit Services median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.