High Templar Financials

HTT Stock   2.69  0.08  2.89%   
Based on the analysis of High Templar's profitability, liquidity, and operating efficiency, High Templar Tech is not in a good financial situation at the present time. It has a very high chance of going through financial crunch in April. At this time, High Templar's Net Working Capital is comparatively stable compared to the past year. Other Assets is likely to gain to about 347.5 M in 2026, whereas Other Current Liabilities is likely to drop slightly above 182.1 M in 2026.
 
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High Templar Balance Sheet Chart

At this time, High Templar's Net Working Capital is comparatively stable compared to the past year. Other Assets is likely to gain to about 347.5 M in 2026, whereas Other Current Liabilities is likely to drop slightly above 182.1 M in 2026.
Key indicators impacting High Templar's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Current Ratio7.528.12
Significantly Down
Slightly volatile
The financial analysis of High Templar is a critical element in measuring its lifeblood. Investors should carefully consider High Templar's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Cash And Equivalents

5.48 Billion

  
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Understanding current and past High Templar Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of High Templar's financial statements are interrelated, with each one affecting the others. For example, an increase in High Templar's assets may result in an increase in income on the income statement.
Please note, the imprecision that can be found in High Templar's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of High Templar Tech. Check High Templar's Beneish M Score to see the likelihood of High Templar's management manipulating its earnings.

High Templar Stock Summary

High Templar competes with Lexinfintech Holdings, Atlanticus Holdings, Nerdwallet, World Acceptance, and Bowhead Specialty. High Templar is entity of United States. It is traded as Stock on NYSE exchange.
Specialization
Financial Services, Financial Services
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS7477981069
Older SymbolQD
Business AddressBuilding 1 Qudian
SectorConsumer Finance
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.qudian.com
Phone86 592 596 8208

High Templar Key Financial Ratios

High Templar Key Balance Sheet Accounts

202120222023202420252026 (projected)
Total Assets14.1B12.7B12.5B12.5B14.3B13.0B
Other Current Liab75.4M350.9M472.5M213.0M191.7M182.1M
Net Debt(1.0B)(3.3B)(7.1B)(3.5B)(3.1B)(3.0B)
Retained Earnings8.9B8.5B8.6B8.7B10.0B10.5B
Cash2.1B3.5B7.2B4.3B4.9B3.2B
Net Receivables3.6B1.4M354.3M266.0M239.4M227.4M
Other Current Assets600.0M2.1B390.9M2.5B2.8B1.6B
Total Liab1.6B703.7M794.2M1.2B1.1B1.0B
Total Current Assets12.2B11.1B10.2B10.1B11.7B11.6B
Short Term Debt74.9M35.4M29.9M738.7M664.8M631.6M
Accounts Payable109.8M107.9M135.6M135.2M155.5M107.9M
Intangible Assets11.0M9.7M3.1M2.2M2.0M1.9M
Inventory15.2M116.7M10.4M10.7M9.6M9.1M

High Templar Key Income Statement Accounts

The reason investors look at the income statement is to determine what High Templar's earnings per share (EPS) will be for research and analysis purposes. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, this information can be used for research and educational purposes even though its price per share may not have changed.
202120222023202420252026 (projected)
Total Revenue1.7B577.5M126.3M216.4M194.8M185.0M
Gross Profit1.4B194.4M(33.8M)15.4M13.9M13.2M
Operating Income922.7M(329.5M)(331.0M)(308.1M)(277.3M)(263.5M)
Ebit862.4M(266.2M)101.5M157.5M141.8M134.7M
Research Development141.3M58.3M47.8M58.5M67.2M113.0M
Ebitda961.9M(201.9M)142.7M213.0M191.7M182.1M
Cost Of Revenue298.7M383.1M160.1M201.0M180.9M171.9M
Income Before Tax846.4M(269.6M)101.5M157.5M141.8M134.7M
Net Income589.1M(362.0M)39.1M91.7M82.6M78.4M
Income Tax Expense260.5M92.4M62.3M65.8M59.2M56.3M

High Templar Key Cash Accounts

202120222023202420252026 (projected)
Change In Cash570.5M1.3B3.7B(2.2B)(2.0B)(1.9B)
Free Cash Flow443.6M(12.8M)(213.0M)(429.0M)(386.1M)(366.8M)
Depreciation99.5M64.3M41.3M55.5M63.8M37.1M
Other Non Cash Items16.0M258.5M(120.9M)(48.9M)(44.0M)(41.8M)
Capital Expenditures478.4M273.6M565.0M318.0M365.7M209.3M
Net Income585.9M(362.1M)39.1M91.7M82.6M78.4M
End Period Cash Flow2.2B3.6B7.3B5.0B5.8B3.5B

High Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining High Templar's current stock value. Our valuation model uses many indicators to compare High Templar value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across High Templar competition to find correlations between indicators driving High Templar's intrinsic value. More Info.
High Templar Tech is rated below average in return on equity category among its peers. It also is rated below average in return on asset category among its peers . At this time, High Templar's Return On Equity is comparatively stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value High Templar by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.
Most indicators from High Templar's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into High Templar Tech current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Risk vs Return Analysis to better understand how to build diversified portfolios, which includes a position in High Templar Tech. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in population.
At this time, High Templar's Tax Provision is comparatively stable compared to the past year. Sales General And Administrative To Revenue is likely to gain to 1.21 in 2026, whereas Selling General Administrative is likely to drop slightly above 244.8 M in 2026.
 2023 2024 2025 2026 (projected)
Total Operating Expenses297.2M323.6M291.2M276.6M
Cost Of Revenue160.1M201.0M180.9M171.9M

High Templar fundamental ratios Correlations

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0.50.430.980.16-0.360.540.020.33-0.20.080.030.830.570.310.250.570.820.580.960.31-0.320.320.320.220.16
0.30.430.530.09-0.210.180.040.19-0.050.15-0.060.60.140.470.060.230.610.340.30.06-0.330.070.15-0.090.14
0.480.980.530.13-0.340.490.00.36-0.20.10.020.810.520.370.20.550.870.550.960.32-0.380.330.310.230.15
0.930.160.090.130.65-0.540.970.770.890.610.90.280.77-0.250.740.83-0.040.890.050.860.710.280.95-0.7-0.23
0.45-0.36-0.21-0.340.65-0.820.770.590.80.240.74-0.370.27-0.330.420.3-0.40.38-0.330.70.65-0.150.59-0.83-0.67
-0.280.540.180.49-0.54-0.82-0.63-0.61-0.72-0.19-0.720.5-0.040.5-0.24-0.210.6-0.20.51-0.51-0.580.2-0.460.690.33
0.870.020.040.00.970.77-0.630.720.910.580.880.150.71-0.270.710.74-0.140.82-0.080.830.740.190.92-0.79-0.39
0.780.330.190.360.770.59-0.610.720.640.280.840.220.57-0.270.520.760.10.760.330.880.350.070.82-0.56-0.21
0.69-0.2-0.05-0.20.890.8-0.720.910.640.640.83-0.020.51-0.280.570.55-0.280.61-0.260.780.720.260.78-0.78-0.27
0.570.080.150.10.610.24-0.190.580.280.640.310.420.54-0.120.280.580.00.530.00.440.260.860.6-0.29-0.11
0.770.03-0.060.020.90.74-0.720.880.840.830.31-0.040.59-0.290.650.7-0.150.720.00.850.8-0.010.85-0.65-0.23
0.560.830.60.810.28-0.370.50.150.22-0.020.42-0.040.620.310.160.560.710.620.680.28-0.310.550.360.030.22
0.880.570.140.520.770.27-0.040.710.570.510.540.590.620.170.580.780.440.890.470.740.390.40.75-0.36-0.16
-0.070.310.470.37-0.25-0.330.5-0.27-0.27-0.28-0.12-0.290.310.17-0.17-0.250.78-0.040.28-0.14-0.23-0.1-0.320.180.19
0.730.250.060.20.740.42-0.240.710.520.570.280.650.160.58-0.170.670.050.720.150.530.550.060.75-0.37-0.21
0.930.570.230.550.830.3-0.210.740.760.550.580.70.560.78-0.250.670.230.930.490.740.380.490.94-0.34-0.14
0.280.820.610.87-0.04-0.40.6-0.140.1-0.280.0-0.150.710.440.780.050.230.350.80.14-0.370.160.040.250.2
0.990.580.340.550.890.38-0.20.820.760.610.530.720.620.89-0.040.720.930.350.450.810.420.350.93-0.5-0.19
0.370.960.30.960.05-0.330.51-0.080.33-0.260.00.00.680.470.280.150.490.80.450.3-0.370.30.240.330.12
0.850.310.060.320.860.7-0.510.830.880.780.440.850.280.74-0.140.530.740.140.810.30.50.220.85-0.65-0.32
0.48-0.32-0.33-0.380.710.65-0.580.740.350.720.260.8-0.310.39-0.230.550.38-0.370.42-0.370.5-0.080.57-0.52-0.22
0.350.320.070.330.28-0.150.20.190.070.260.86-0.010.550.4-0.10.060.490.160.350.30.22-0.080.360.150.1
0.950.320.150.310.950.59-0.460.920.820.780.60.850.360.75-0.320.750.940.040.930.240.850.570.36-0.6-0.31
-0.560.22-0.090.23-0.7-0.830.69-0.79-0.56-0.78-0.29-0.650.03-0.360.18-0.37-0.340.25-0.50.33-0.65-0.520.15-0.60.47
-0.210.160.140.15-0.23-0.670.33-0.39-0.21-0.27-0.11-0.230.22-0.160.19-0.21-0.140.2-0.190.12-0.32-0.220.1-0.310.47
Click cells to compare fundamentals

High Templar Account Relationship Matchups

High Templar fundamental ratios Accounts

202120222023202420252026 (projected)
Total Assets14.1B12.7B12.5B12.5B14.3B13.0B
Other Current Liab75.4M350.9M472.5M213.0M191.7M182.1M
Net Debt(1.0B)(3.3B)(7.1B)(3.5B)(3.1B)(3.0B)
Retained Earnings8.9B8.5B8.6B8.7B10.0B10.5B
Cash2.1B3.5B7.2B4.3B4.9B3.2B
Net Receivables3.6B1.4M354.3M266.0M239.4M227.4M
Other Current Assets600.0M2.1B390.9M2.5B2.8B1.6B
Total Liab1.6B703.7M794.2M1.2B1.1B1.0B
Total Current Assets12.2B11.1B10.2B10.1B11.7B11.6B
Short Term Debt74.9M35.4M29.9M738.7M664.8M631.6M
Accounts Payable109.8M107.9M135.6M135.2M155.5M107.9M
Intangible Assets11.0M9.7M3.1M2.2M2.0M1.9M
Inventory15.2M116.7M10.4M10.7M9.6M9.1M

Steps to analyze company Financials for Investing

There are several different ways that investors can use financial statements to try and predict whether a stock price will go up or down. Unfortunately, there is no surefire formula, but there are some general guidelines you should consider when looking at the numbers. First, realize what kind of company it is so you know if its revenues are more likely to grow or shrink over time. For example, a software company's revenue is expected to increase yearly due to new products and services that its customers will want to buy. At the same time, a car manufacturer might not be able to sell as many cars when the economy slows down, so it would have less net income during those times. Second, pay attention to its debt-to-equity ratio because this number will tell you how much risk it has. If a company such as High Templar is not taking on any additional risks, its debt-to-equity should be less than one. As a general rule of thumb, if the market value or book value (which can be found in the footnotes) of assets exceeds the company's liabilities, then it is probably in good shape. Finally, use other financial statements to determine if a stock price will go up or down because investors are always looking for growth opportunities when they buy new stocks. For example, if you see that the net revenue of High has grown by more than 25% over the last five years, then there is a good chance that it will continue growing by at least 20% or more each year. On the other hand, if you see that net revenue has only increased by about 15%, which is barely above inflation levels, then chances are it will not grow much faster than this over time, and investors may shy away from buying it.
In summary, you can determine if High Templar's financials are consistent with your investment objective using the following steps:
  • Review High Templar's balance sheet accounts, such as liabilities and equity, to understand its overall financial position.
  • Analyze the income statement and examine the company's revenue, expenses, and profits over time to determine its financial performance.
  • Study the cash flow inflows and outflows to understand High Templar's liquidity and solvency.
  • Look at the growth rates in revenue, earnings, and cash flow over time to determine its potential for future growth.
  • Compare High Templar's financials to those of its peers to see how it stacks up and identify any potential red flags.
  • Use valuation ratios to evaluate the company's financials using commonly used ratios such as the price-to-earnings (P/E) ratio, price-to-sales (P/S) ratio, and enterprise value-to-earnings before interest, taxes, depreciation, and amortization (EV/EBITDA) ratio to determine if High Templar's stock is overvalued or undervalued.
Remember, these are just guidelines and should not be the only basis for investment decisions. It is always important to analyze the leading stock market indicators., conduct additional research and seek professional advice if needed.
Today, most investors in High Templar Stock are looking for potential investment opportunities by analyzing not only static indicators but also various High Templar's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of High Templar growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.22

At this time, High Templar's Price Earnings To Growth Ratio is comparatively stable compared to the past year.

High Templar March 1, 2026 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of High Templar help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of High Templar Tech. We use our internally-developed statistical techniques to arrive at the intrinsic value of High Templar Tech based on widely used predictive technical indicators. In general, we focus on analyzing High Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build High Templar's daily price indicators and compare them against related drivers.

Additional Tools for High Stock Analysis

When running High Templar's price analysis, check to measure High Templar's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy High Templar is operating at the current time. Most of High Templar's value examination focuses on studying past and present price action to predict the probability of High Templar's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move High Templar's price. Additionally, you may evaluate how the addition of High Templar to your portfolios can decrease your overall portfolio volatility.