High Templar Tech Limited Sponsored ADR Class A (HTT) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of High Templar Tech Limited Sponsored ADR Class A $4.98, price $2.44, upside +104.1%, quality 63 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $0.6300 – $5.02 · fair‑value band $4.56 – $6.22 · the $2.44 price screens below the $4.98 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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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.
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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.
Stock analysis
High Templar Tech Limited Sponsored ADR Class A (HTT) currently trades at $2.44, while our model-based Fair Value estimate is $4.98, implying the stock looks roughly 51.0% undervalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of $49.37 per share, and 9 of the 9 models we run sit above the $2.44 price.
Bear case: the Earnings-Based group reads lowest at $37.29, and 0 of the 9 models stay below the price. Evidence for this calculation is medium.
Scenario range: $4.56 (bear) to $6.22 (bull), the price of $2.44 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 63/100 (solid quality), in the Financial Services sector.
Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.
High Templar Tech Limited Sponsored ADR Class A reported revenue of 40.9M CNY in FY2025 versus 1.7B CNY in FY2021, a compound −60.3%/yr. Reported net income was 709M CNY in FY2025, compounding +4.7%/yr from FY2021.
Key figures
Market cap $481M · P/E ratio 4.9 · P/S ratio 85.2 · EPS (TTM) $0.6300 · Net margin 1,730% · Return on equity 6.2% · Return on assets (EBIT) −0.8% · Operating margin −3,260%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).
What moves the price
The share trades about 51% below its 52-week high and 26% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at 104%, HTT screens cheaper than that median.
Fair Value models
Bear $4.56Fair Value $4.98Bull $6.22
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($0.4608 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.40/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−81.1%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−58.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−59.4%
Start year 2020 (pandemic). Over 10 years: −16.0% a year
Revenue growth 11 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+2.2%
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What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
−18.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year−18.4%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.5% vs 10%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.24% → −878%
2025 sits 1,247% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Start year 2020 (pandemic)
⚠ Revenue per share shrinking 16.7%/yr over ~9Y (margin trend unclear) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
Growth Forecast
Little optimism in the price
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
less than -40 %
Yearly growth needed for the next five years to justify today's price.
Compare High Templar Tech Limited Sponsored ADR Class A with another stock
Price, fair value, quality and upside side by side.
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Peer Groupⓘ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.Credit Services · 330 stocks
Beats the industry median on 3/8 measures
Overall it trails its industry peers.
Valuation
Quality Score66 · Top 25%
Fair Value upside+104% · Top 25%
Profitability
Return on equity (TTM)6% · Below median
Return on assets−2% · Bottom 25%
Growth and dividend
Revenue growth−94% · Bottom 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
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Cite: Fair Value Calculator (2026). "High Templar Tech Limited Sponsored ADR Class A Fair Value". https://www.fairvalue-calculator.com/stock/HTT
Frequently asked questions
Is High Templar Tech Limited Sponsored ADR Class A (HTT) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $4.98 versus a price of $2.44, about +104% upside (undervalued).
What is the fair value of HTT?
Our model-based fair value for High Templar Tech Limited Sponsored ADR Class A is $4.98 (as of Sep 23, 2026), built from audited fundamentals. The current price: $2.44.
What is the quality score of HTT?
High Templar Tech Limited Sponsored ADR Class A has a Quality Score of 63/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for High Templar Tech Limited Sponsored ADR Class A (HTT)?
Our model-based price target is the fair value of $4.98 (as of Sep 23, 2026) from 9 valuation models. Cautious scenario $4.56, optimistic scenario $6.22. It is a calculation from audited fundamentals, not an analyst target.
What is the High Templar Tech Limited Sponsored ADR Class A stock forecast for 2026?
Our models put fair value at $4.98, about +104% upside versus a price of $2.44 (undervalued). Cautious scenario $4.56, optimistic scenario $6.22. The calculation is refreshed regularly with new filings.
What is the revenue of High Templar Tech Limited Sponsored ADR Class A (HTT)?
High Templar Tech Limited Sponsored ADR Class A reported trailing-twelve-month revenue of about 41.0M CNY (latest available figure, as of Sep 23, 2026).
What growth is priced into High Templar Tech Limited Sponsored ADR Class A (HTT)?
For today's price to be fair in a discounted-cash-flow model, High Templar Tech Limited Sponsored ADR Class A would have to grow free cash flow by less than minus 40 % per year for five years (discount rate 11.8 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -59.4 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of HTT use?
Our models discount High Templar Tech Limited Sponsored ADR Class A at 11.8 %: a base by market capitalisation (small), damped by beta 1.21, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For High Templar Tech Limited Sponsored ADR Class A that is less than minus 40 % per year a year over ten years, using the same discount rate (11.8 %) and the same formula as our fair value.
How much growth has High Templar Tech Limited Sponsored ADR Class A (HTT) delivered so far?
Over the past 5 years revenue at High Templar Tech Limited Sponsored ADR Class A grew -59.4 % a year. The price currently implies less than minus 40 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of High Templar Tech Limited Sponsored ADR Class A (HTT) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into High Templar Tech Limited Sponsored ADR Class A (less than minus 40 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of High Templar Tech Limited Sponsored ADR Class A (HTT)?
The free-cash-flow yield on the price is 22.04 %: that much free cash flow High Templar Tech Limited Sponsored ADR Class A produces per unit of market value. When it exceeds the discount rate of our models (11.8 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of High Templar Tech Limited Sponsored ADR Class A (HTT)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For High Templar Tech Limited Sponsored ADR Class A it is $4.98 per share (as of Sep 23, 2026), against a price of $2.44. It is the blended result of 9 valuation models (cash flow, earnings, asset, dividend).
Is High Templar Tech Limited Sponsored ADR Class A stock overvalued or undervalued in 2026?
As of Sep 23, 2026, HTT trades below its calculated fair value: price $2.44, fair value $4.98, a gap of about +104% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of HTT?
No. The price is what the market pays today ($2.44); the fair value is what the company's own numbers justify ($4.98). For High Templar Tech Limited Sponsored ADR Class A the two are $2.54 per share apart. That gap is exactly why we show both numbers side by side.
How much is High Templar Tech Limited Sponsored ADR Class A worth?
The market values High Templar Tech Limited Sponsored ADR Class A at about $481M (market capitalisation, as of Sep 23, 2026). Per share that is $2.44; our models calculate a fair value of $4.98 per share.
What do the bullish and bearish scenarios say about HTT?
Our models span a range for High Templar Tech Limited Sponsored ADR Class A: cautious scenario $4.56, base $4.98, optimistic $6.22 per share (as of Sep 23, 2026, price $2.44). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of HTT?
High Templar Tech Limited Sponsored ADR Class A trades at a price-to-earnings ratio of 4.9 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $4.98 is built from several models across several years. Other multiples: P/S 11.8.
How solid is the balance sheet of High Templar Tech Limited Sponsored ADR Class A (HTT)?
Balance-sheet figures for High Templar Tech Limited Sponsored ADR Class A (as of Sep 23, 2026): return on equity 6.2%. They feed the Quality Score of 63/100, which measures business quality independently of the share price.
How far is HTT from its 52-week high?
High Templar Tech Limited Sponsored ADR Class A trades at $2.44, about 51% below its 52-week high of $4.95 and 26% above the low of $1.94 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $4.98 is for.
Which stocks are comparable to High Templar Tech Limited Sponsored ADR Class A?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is High Templar Tech Limited Sponsored ADR Class A stock attractive at the current price?
The data as of Sep 23, 2026: price $2.44, calculated fair value $4.98 (+104%), Quality Score 63/100, from 9 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of HTT calculated?
We run High Templar Tech Limited Sponsored ADR Class A through 9 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $4.98, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1 % above its aggregate fair value. High Templar Tech Limited Sponsored ADR Class A currently trades 104 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of High Templar Tech Limited Sponsored ADR Class A (HTT)?
The closing price on Sep 23, 2026 was $2.44. Our model-based fair value is $4.98, about +104% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with High Templar Tech Limited Sponsored ADR Class A right now?
The price is below even our cautious bear case ($4.56). 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.
Key figures of High Templar Tech Limited Sponsored ADR Class A
How large is the market capitalisation of High Templar Tech Limited Sponsored ADR Class A (HTT)?
The market capitalisation of High Templar Tech Limited Sponsored ADR Class A is $481M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of High Templar Tech Limited Sponsored ADR Class A (HTT)?
The price-to-sales ratio of High Templar Tech Limited Sponsored ADR Class A is 85.2 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of High Templar Tech Limited Sponsored ADR Class A (HTT)?
Earnings per share at High Templar Tech Limited Sponsored ADR Class A are $0.6300 (price ÷ EPS = P/E 4.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of High Templar Tech Limited Sponsored ADR Class A (HTT)?
The net margin of High Templar Tech Limited Sponsored ADR Class A is 1,730% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of High Templar Tech Limited Sponsored ADR Class A (HTT)?
The return on equity (ROE) of High Templar Tech Limited Sponsored ADR Class A is 6.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of High Templar Tech Limited Sponsored ADR Class A (HTT)?
On an EBIT basis the return on assets of High Templar Tech Limited Sponsored ADR Class A is −0.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of High Templar Tech Limited Sponsored ADR Class A (HTT)?
The operating margin of High Templar Tech Limited Sponsored ADR Class A is −3,260% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at High Templar Tech Limited Sponsored ADR Class A (HTT)?
Revenue at High Templar Tech Limited Sponsored ADR Class A is growing −93.9% versus a year earlier (3y avg −58.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at High Templar Tech Limited Sponsored ADR Class A (HTT)?
Earnings per share at High Templar Tech Limited Sponsored ADR Class A are growing +248% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does High Templar Tech Limited Sponsored ADR Class A (HTT) hold?
High Templar Tech Limited Sponsored ADR Class A holds more cash than debt, 5.5B CNY net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Sep 23, 2026