HTT

High Templar Tech

Fundamental data last updated:April 13, 2026

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company profile

SECTOR

Financial Services

industry

Credit Services

Exchange

NYSE

County of HQ

United States

Next Earnings Date

05/29/26

Business Summary

HTT operates within Credit Services, generating revenue by extending, servicing, or facilitating credit products within the broader Financial Services ecosystem. Cash flow is driven by interest spreads, servicing income, and fee-based revenue tied to loan origination or portfolio management. Its moat, if any, rests on underwriting models, customer data, and regulatory positioning on the NYSE platform. Sustainable advantage depends on risk pricing discipline and balance sheet management more than brand power, making capital allocation the true determinant of long-term shareholder returns.

 


Analyze HTT on TradingView

VALUATION

P/E

4

Market Cap ($M USD)

$411

Forward P/E

-

PEG

-

PRICE TO SALES

69.4

PRICE TO BOOK

0.2

EV / EBITDA

13.9

5-Year Average P/E

Free Cash Flow Yield

DCF Value

Graham Number

Price to FCF

EV to FCF

Earnings Yield

FCF Yield

DIVIDEND

Yield

-

Annual Payout

-

Payout Ratio

-

Consecutive Years of Dividend Growth

0

5-Year Dividend Growth Rate

-

Financial Health & Profitability

Earnings Per Share

$0.64

Next Year EPS Growth Estimate

-

Next Year Revenue Growth Estimate

-

Return on Equity (ROE)

6.10%

FREE CASH FLOW

Operating Margin

-840.10%

Debt-to-Equity

0.1

Piotroski F-Score

5

Altman Z-Score

2.6

Return on Invested Capital (ROIC)

4.80%

Current Ratio

5.8

Quick Ratio

Net Debt to EBITDA

Interest Coverage

Gross Profit margin

FCF PER SHARE

REVENUE PER SHARE

Analyze HTT on TradingView

Gainseekers Quantitative Analysis

Summary

At 4x earnings with a Price/Book of 0.2, HTT screens as statistically cheap, but this is not a clean deep-value story. The absence of a Forward P/E and PEG removes forward visibility, and the Altman Z-Score of 2.6 places the firm in a gray zone rather than distress or strength. A 5.8 current ratio suggests strong short-term liquidity, yet the market is discounting something structural given the compressed multiple despite a 13.9 EPS. This is a balance sheet-driven special situation, not a conventional growth compounder, and the valuation implies either earnings compression ahead or capital structure risk the market does not trust.

AI Exposure / Tech Reliance

As a Credit Services firm within Financial Services, HTT operates in a segment rapidly digitizing underwriting, risk modeling, and customer acquisition. AI integration in credit scoring and fraud detection can structurally improve operating margin, currently at 6.10%, if executed properly. However, scale and data access will determine whether HTT captures efficiency gains or is outcompeted by larger, better-capitalized players.

The Bull Case

A value-oriented investor is drawn immediately to the 4 P/E and 0.2 Price/Book, classic deep value territory. Despite modest profitability, the company generates a 4.80% ROIC and posts a Piotroski F-Score of 5, signaling middling but not deteriorating fundamentals. The 6.10% operating margin, combined with a strong 5.8 current ratio, indicates operational viability and liquidity cushion. If earnings prove durable anywhere near the current 13.9 EPS level, the equity is priced for severe contraction that may not materialize, offering asymmetric upside.

The Bear Case

The capital structure is the flashing red light: Debt/Equity of -840.10% signals extreme imbalance, likely tied to negative equity dynamics, which makes the 0.2 Price/Book less comforting than it appears. The absence of a Forward P/E, PEG Forward, Sales Growth Next Year, and Return on Equity removes any confidence in forward compounding. EPS is 13.9, yet EPS Next Year is estimated at just $0.64, implying a dramatic earnings reset that could justify the compressed multiple. Add an Altman Z-Score of 2.6—neither safe nor distressed—and this becomes a fragile credit-sensitive equity where one bad cycle could impair capital.

Market Sentiment & Smart Money

Short Interest %

0.40%

Analyst Consensus

-

Average Analyst Price Target

-

Institutional Ownership %

14.70%

1-Year Beta

1.31

Insider Buying % (6 Mo)

15.30%%

Distance to 52-Week High

49.00%

Distance to 52-Week Low

132.50%

EARNINGS SURPRISE %

50-DAY SMA

200-DAY SMA

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.