# High Templar Tech Limited American (HTT) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Consumer Finance. Price $2.61, market value $405 million.

## Valuation
- **P/E (trailing): 4.1×**. High Templar Tech Limited American trades at 4.1× trailing earnings. The Financial Services median in the September 2026 study was 13.1×.
- **Price / sales: 9.9×**. Each dollar of revenue is priced at 9.9×.
- **Price / book: 0.2×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **EV / EBITDA: 0.5×**. Enterprise value is 0.5× operating earnings before depreciation, the multiple that ignores how the company is financed; below 8× is inexpensive for most sectors.
- **Free-cash-flow yield: 20.1%**. Free cash flow equals 20.1% of the market value. Above 5% is generally attractive.
- **Earnings yield: 24.1%**. The inverse of the P/E: 24.1% of the price is earned each year.

## Profitability
- **Gross margin: 7.1%**. High Templar Tech Limited American keeps 7.1% of revenue after the direct cost of what it sells, a thin margin typical of retail, distribution and commodity businesses.
- **Operating margin: -840.1%**. Operating margin is negative: the business loses money before interest and tax.
- **Return on equity: 6.1%**. 6.1% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on invested capital: -30.1%**. Return on all capital, debt included, is -30.1%: close to or below the cost of capital, so growth may not create value.
- **Return on assets: 36.4%**. Each dollar of assets produces 36.4% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): -80.2%** (3-yr -58.8%/yr, 5-yr -59.9%/yr). Revenue fell 80.2% over the last year, against -59.9% a year compounded over five years: growth is slowing.

## Financial health
- **Cash and short-term investments: $791 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend: none**. High Templar Tech Limited American does not currently pay a dividend.

## Price and momentum
- **Total return (1 yr): -41.9%** (YTD -26.5%, 3-mo -11.2%). The shares are down 41.9% over twelve months including dividends.
- **From 52-week high: -48.3%** (38.8% above the low). Trading 48% below its 52-week high, deep in a drawdown.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 56**. An RSI of 56 is neutral.
- **Beta (1 yr): 1.34** (volatility 59%). Beta of 1.34 against the S&P 500: the shares move much more than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=HTT · Page: https://foliofundamentals.com/stocks/htt

Not investment advice.