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High Templar Tech Limited logo

High Templar Tech Limited

HTT

NYSEFinancial ServicesFinancial - Credit Services

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Previous close

$2.50

+$0.03 · +1.21%

Aug 21, 4:00 PM ET

HTT company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

92

Deep Value

Momentum

38

Weakening

Sentiment

63

Bullish

Risk resilience

28

High Risk

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Thesis, catalysts, evidence, and risk analysis.

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AI-generated, informational only, and not investment advice.

Company profile

Company website

Qudian Inc. functions as a technology enterprise primarily serving individual consumers across the People's Republic of China. The company's principal activities encompass the provision of micro-credit and short-term cash advances, alongside financial leasing and credit guarantee solutions. Additionally, Qudian offers technology development and support services. In a more recent diversification, the firm also supplies ready-to-cook meal kits, catering specifically to the needs of the working-class demographic. Founded in 2014, its corporate headquarters are situated in Xiamen, China.

Industry
Financial - Credit Services
Sector
Financial Services
Headquarters
CN
CEO
Min Luo
Listed since
Oct 18, 2017
Employees
101

Market position

Day range

Current $2.50

52-week range

Current $2.50

Open
$2.48
Previous close
$2.47
Volume
71.46K
0.32× average
Average volume
224.98K
Average daily volume
Market cap
404.78M USD
Beta
1.29
Market reference 1
50-day average
$2.6288
-4.90% below average
200-day average
$3.0217
-17.27% below average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
-1.56B CNY
P/E (TTM)
3.94×
P/B (TTM)
0.23×
P/S (TTM)
66.5×
EV / EBITDA
5.62×
Earnings yield
18.07%
Free cash flow yield
14.55%
Dividend yield
0.00%

Profitability & efficiency

Gross margin
7.11%
Operating margin
-877.74%
Net margin
1737.23%
Return on equity
6.09%
Return on assets
5.20%
Return on invested capital
-2.53%

Financial health

Debt / equity
0.14×
Current ratio
6.22×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends1993%949%-95%-1139%Gross margin, FY2021: 81.94%Gross margin, FY2022: 33.66%Gross margin, FY2023: -26.73%Gross margin, FY2024: 7.12%Gross margin, FY2025: 7.11%Operating margin, FY2021: 55.78%Operating margin, FY2022: -57.06%Operating margin, FY2023: -262.00%Operating margin, FY2024: -142.38%Operating margin, FY2025: -877.74%Net margin, FY2021: 35.61%Net margin, FY2022: -62.68%Net margin, FY2023: 30.98%Net margin, FY2024: 42.38%Net margin, FY2025: 1731.72%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 81.94%. Gross margin FY2022 33.66%. Gross margin FY2023 -26.73%. Gross margin FY2024 7.12%. Gross margin FY2025 7.11%. Operating margin FY2021 55.78%. Operating margin FY2022 -57.06%. Operating margin FY2023 -262.00%. Operating margin FY2024 -142.38%. Operating margin FY2025 -877.74%. Net margin FY2021 35.61%. Net margin FY2022 -62.68%. Net margin FY2023 30.98%. Net margin FY2024 42.38%. Net margin FY2025 1731.72%.

Income trends

Revenue

40.92M CNY-81.09%

Operating income

−359.18M CNY-16.56%

Net income

708.63M CNY+672.51%
Income trends across reported periods1.86B CNY1.05B CNY242.84M CNY−563.56M CNYRevenue, FY2021: 1.65B CNYRevenue, FY2022: 577.49M CNYRevenue, FY2023: 126.34M CNYRevenue, FY2024: 216.43M CNYRevenue, FY2025: 40.92M CNYOperating income, FY2021: 922.7M CNYOperating income, FY2022: −329.5M CNYOperating income, FY2023: −331.01M CNYOperating income, FY2024: −308.15M CNYOperating income, FY2025: −359.18M CNYNet income, FY2021: 589.07M CNYNet income, FY2022: −361.96M CNYNet income, FY2023: 39.13M CNYNet income, FY2024: 91.73M CNYNet income, FY2025: 708.63M CNYFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 1.65B CNY. Revenue FY2022 577.49M CNY. Revenue FY2023 126.34M CNY. Revenue FY2024 216.43M CNY. Revenue FY2025 40.92M CNY. Operating income FY2021 922.7M CNY. Operating income FY2022 −329.5M CNY. Operating income FY2023 −331.01M CNY. Operating income FY2024 −308.15M CNY. Operating income FY2025 −359.18M CNY. Net income FY2021 589.07M CNY. Net income FY2022 −361.96M CNY. Net income FY2023 39.13M CNY. Net income FY2024 91.73M CNY. Net income FY2025 708.63M CNY.
Metric (CNY)FY2025FY2024FY2023FY2022FY2021
Revenue40.92M CNY216.43M CNY126.34M CNY577.49M CNY1.65B CNY
Cost of goods sold38.01M CNY201.02M CNY160.11M CNY383.09M CNY298.73M CNY
Gross profit2.91M CNY15.41M CNY−33.78M CNY194.4M CNY1.36B CNY
Research and development35.5M CNY58.46M CNY47.76M CNY58.28M CNY141.26M CNY
Selling, general, and administrative204.68M CNY282.43M CNY277.39M CNY559.07M CNY570.65M CNY
Operating expenses362.08M CNY323.55M CNY297.23M CNY523.9M CNY432.62M CNY
Interest income1.03B CNY145.62M CNY110.75M CNY64.82M CNY39.68M CNY
Interest expense———3.44M CNY15.98M CNY
Depreciation and amortization66.82M CNY55.47M CNY41.27M CNY64.33M CNY99.47M CNY
Operating income−359.18M CNY−308.15M CNY−331.01M CNY−329.5M CNY922.7M CNY
Net income708.63M CNY91.73M CNY39.13M CNY−361.96M CNY589.07M CNY

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
50%
1 beat, 1 miss, 0 met estimates
Average EPS surprise
-65.13%
2 comparable reports
Latest EPS result
-0.15
Estimate 0.29 · Miss by 152.30%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.390.20-0.19Q4 '24No estimateQ1 '25No estimateQ2 '25No estimateQ3 '25No estimateQ4 '25BeatQ1 '26MissQ2 '26EstimateQ3 '26Estimate
Q4 2024, reported Nov 22, 2024: actual 0.1, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Mar 20, 2025: actual -0.05, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 30, 2025: actual 0.12, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 13, 2025: actual 0.26, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 24, 2025: actual 0.35, estimate 0.287, surprise +22.04%, Beat. Q1 2026, reported Mar 11, 2026: actual -0.15, estimate 0.287, surprise -152.30%, Miss. Q2 2026, reported Jun 5, 2026: actual —, estimate 0.287, surprise —, Comparison unavailable. Q3 2026, reported Sep 3, 2026: actual —, estimate 0.226, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates100.86M68.12M35.39M2.65MQ4 '24No estimateQ1 '25No estimateQ2 '25No estimateQ3 '25No estimateQ4 '25MissQ1 '26MissQ2 '26EstimateQ3 '26Estimate
Q4 2024, reported Nov 22, 2024: actual 55.02M USD, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Mar 20, 2025: actual 52.24M USD, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 30, 2025: actual 25.79M USD, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 13, 2025: actual 3.49M USD, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 24, 2025: actual 8.52M USD, estimate 93.62M USD, surprise -90.90%, Miss. Q1 2026, reported Mar 11, 2026: actual 3.12M USD, estimate 93.62M USD, surprise -96.67%, Miss. Q2 2026, reported Jun 5, 2026: actual —, estimate 93.62M USD, surprise —, Comparison unavailable. Q3 2026, reported Sep 3, 2026: actual —, estimate 70.8M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Rating distribution

10 ratings
Strong buy00%
Buy220%
Hold550%
Sell330%
Strong sell00%

HTT news

seekingalpha.com

High Templar Tech: Why Cash-Secured Puts Are The Best Strategy Under Expected Privatization

Operating with no active business, High Templar Tech trades at $2.42 against $9.05 in net cash per share, offering a textbook absolute return setup decoupled from market cycles. Management has halved total share capital…

Read source
prnewswire.com

High Templar Tech Announces Final Results of Modified Dutch Auction Tender Offer

XIAMEN, China, June 29, 2026 /PRNewswire/ -- High Templar Tech Limited (the "Company," "High Templar" or "we") (NYSE: HTT), announced today the final results of its "modified Dutch Auction" tender offer to purchase up to…

Read source
prnewswire.com

High Templar Tech Announces Preliminary Results of Modified Dutch Auction Tender Offer

XIAMEN, China, June 25, 2026 /PRNewswire/ -- High Templar Tech Limited (the "Company," "High Templar" or "we") (NYSE: HTT), announced today the preliminary results of its "modified Dutch Auction" tender offer to purchase…

Read source
prnewswire.com

High Templar Tech Commences a Tender Offer to Repurchase up to 39 Million of its ADSs

XIAMEN, China, May 26, 2026 /PRNewswire/ -- High Templar Tech Limited (the "Company," "High Templar" or "we") (NYSE: HTT), announced today that it has commenced a "modified Dutch auction" tender offer (the "Tender…

Read source

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ETFs holding HTT

Funds reporting this stock among their holdings, ordered by reported position size.

State Street SPDR S&P Emerging Markets Small Cap ETF logoState Street SPDR S&P Emerging Markets Small Cap ETFEWX
Market value
200.65K
Weight
0.03%
AUM
685.65M USD
Expense ratio
0.65%
Price / 1D
$72.22+0.25%
State Street SPDR S&P China ETF logoState Street SPDR S&P China ETFGXC
Market value
63.52K
Weight
0.01%
AUM
474.65M USD
Expense ratio
0.59%
Price / 1D
$91.50+0.51%
State Street SPDR S&P Emerging Asia Pacific ETF logoState Street SPDR S&P Emerging Asia Pacific ETFGMF
Market value
19.66K
Weight
0.00%
AUM
428.59M USD
Expense ratio
0.49%
Price / 1D
$155.59+0.25%

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