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HTT

High Templar Tech Limited

Financial Services · $389M market cap

Verdict

Share price

$2.31

close of Oct 3, 2026

Fair value

$3.29

Sticker Price

Payback Price

$1.32

buy price

Undervalued

HTT is Undervalued: at $2.31 it trades 30% below its fair value of $3.29. Its buy price (Payback Price) is $1.32, 43% below today's price. Business quality is limited: only 1 of 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). Most of its income comes from lending, so we value it like a bank: on its book value and how much it earns on it.

Business quality

1 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth-38.4% a year✗
Equity per share growth10.5% a year✓
Sales growth-22.2% a year✗
Free cash flow growth-10.9% a year✗
Return on invested capital-1.7%✗

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About High Templar Tech Limited

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…

Financial - Credit Services

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works