HTT
Bargain BinHigh Templar Tech Limited · Financial Services · China · $309M cap · $129K/day traded
$1.65 -3.5% · close 12 Nov · scored 13 Nov
Bargain Bin: Looks like a bargain; the quality and the trend say why it is in the bin.
As of 13 Nov 2026, the MoatMap Score for High Templar Tech Limited (HTT) is 22/100, ranked against 25,000+ stocks in 38 markets (Quality 36, Value 62, Momentum 9, each scored against its sector).
Does the score work? Each tenth of the ranking, tracked monthly. See the record →
ABOUT HIGH TEMPLAR TECH LIMITED
Read
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.
FINANCIAL SUMMARY (USD)
Reported in CNY
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM |
|---|---|---|---|---|---|---|
| Revenue | 86.0M | 17.9M | 30.1M | 5.7M | -59.5% | 3.0M |
| EPS | -0.55 | 0.06 | 0.07 | 0.61 | 230.5% | 0.60 |
| Shares | 91.8M | 91.8M | 168.7M | 156.7M | +70.7% | — |
| Debt | 21.8M | 9.8M | 107.9M | 226.0M | 117.9% | 338.3M |
| Equity | 1.7B | 1.6B | 1.5B | 1.7B | -1.3% | — |
| Op CF | 38.8M | 49.8M | -15.4M | 95.6M | 35.0% | 103.0M |
| Inv CF | 280.7M | 551.2M | -326.3M | 117.7M | — | — |
| Fin CF | -124.3M | -80.1M | 26.0M | 77.3M | — | — |
Made a new 52-week low in the latest session, 67% below its 52-week high. The fall has not stopped yet.
Swung more than 70% of stocks we rank over the past year (volatility 56% a year).
How this is worked out
The Price check reads only the chart, the price side of the Momentum score in words; it is not the MoatMap Score.
- Still falling (this stock): It set a new 52-week low in the last two weeks, after a deep fall.
- Finding a floor: It fell hard, but has set no new low for more than two weeks.
- Turning up: It has climbed off its low and is back above a rising 50-day average.
- In an uptrend: It is near its 52-week high and above its 200-day average.
- No clear trend: None of the above: no recent deep fall and no steady climb.
- No read yet: Not enough price history yet: it needs a year of trading.
In past US falls, waiting for Turning up cut the chance of another 20% drop from 42% to 33%. Returns were no better, and 33% of turns failed.
The exact rules
Still falling is a new 52-week low in the last two weeks, at least 25% below the high, with the low set after the high. Finding a floor is the same fall with no new low in the last two weeks. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average, with the 50-day average above the 200-day, and within 15% of the high. No clear trend is everything else. No read yet is under 252 trading days of history, or missing data. A new state shows once it has held for three trading days.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn (the Turning up rule above) cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: how much the price moved day to day over the past year, scaled to a yearly figure (annualised volatility) and ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of HTT are excluded.
| Ticker | Company | Mkt Cap | Score |
|---|---|---|---|
| HTT | High Templar Tech Limited(you) | $309M | 22 |
| YRD | Yiren Digital Ltd. | $103M | 17 |
| 2473.HK | XXF Group Holdings Limited | $64M | 22 |
| 6623.HK | Lufax Holding Ltd | $817M | 37 |
| 603123.SS | Beijing Cuiwei Tower Co., Ltd. | $1.1B | 9 |
| 2858.HK | Yixin Group Limited | $680M | 46 |
| QFIN | Qfin Holdings, Inc. | $640M | 48 |
| 6069.HK | SY Holdings Group Limited | $916M | 41 |
| LX | LexinFintech Holdings Ltd. | $105M | 47 |
| 2051.HK | Vala Inc. | $63M | 6 |
Peer medians: ROE 7.7% · P/E 7.4x · Gross margin 54.9%
Company Deep Dive
A 10,000-word report: the business and its segments, what management promised on earnings calls and whether it delivered, the competition, and how things could turn out.