Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
High Templar TechHTT +2.42%46 3-Year Book Growth Rate is 12.30% as of Dec. 2025, which is 35% above its 10-year median of 9.10. GuruFocus rates HTT with a GF Score™ of 46/100 and a GF Value™ of $0.54 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 516 Credit Services companies, High Templar Tech ranks better than 68.41% on this metric.
During the past 12 months, High Templar Tech's average Book Value per Share Growth Rate was 14.70% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 12.30% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 7.50% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 11 years, the highest 3-Year average Book Value per Share Growth Rate of High Templar Tech was 17.40% per year. The lowest was 3.50% per year. And the median was 9.10% per year.
High Templar Tech (NYSE:HTT) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
High Templar Tech 3-Year Book Growth Rate Related Terms
HTT vs LPRO, RM, OPRT: 3-Year Book Growth Rate Comparison
For the Credit Services subindustry, High Templar Tech's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
High Templar Tech 3-Year Book Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, High Templar Tech's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where High Templar Tech's 3-Year Book Growth Rate falls into.
High Templar Tech 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 12.30% mean?
High Templar Tech (HTT) has a 3-Year Book Growth Rate of 12.30% as of Dec. 2025. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for High Templar Tech and its competitors. This is 35% above median its historical median of 9.10. Over the past decade, High Templar Tech's 3-Year Book Growth Rate has ranged from 3.50 to 17.40. According to the industry distribution chart, High Templar Tech ranks #163 out of 516 companies in the Credit Services industry, placing it in the top 31.6%.
Is High Templar Tech's 3-Year Book Growth Rate too high?
High Templar Tech's current 3-Year Book Growth Rate of 12.30% is 35% above median its 10-year median of 9.10. Over the past 10 years, this metric has ranged from a low of 3.50 to a high of 17.40. The Credit Services industry median 3-Year Book Growth Rate is 5.65. High Templar Tech's value of 12.30% is 117.7% above this industry median. Based on the distribution chart, High Templar Tech ranks #163 out of 516 companies in the Credit Services industry, which is above the industry midpoint. Overall, High Templar Tech has a GF Score™ of 46/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does High Templar Tech's 3-Year Book Growth Rate compare to LPRO and RM?
According to the Credit Services industry distribution chart, High Templar Tech ranks #163 out of 516 companies for 3-Year Book Growth Rate. This puts High Templar Tech in the upper half of its industry. The industry median 3-Year Book Growth Rate is 5.65. High Templar Tech's value of 12.30% is 117.7% above this benchmark. Historically, High Templar Tech's own 3-Year Book Growth Rate has ranged from 3.50 to 17.40 over the past decade. While the company's 10-year median is 9.10 vs. the industry median of 5.65, High Templar Tech has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Credit Services company?
The median 3-Year Book Growth Rate among Credit Services companies is 5.65, based on 516 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. High Templar Tech's current 3-Year Book Growth Rate of 12.30% is 117.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for High Templar Tech and its competitors. For the Credit Services industry, the median 3-Year Book Growth Rate is 5.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. High Templar Tech's current 3-Year Book Growth Rate is 12.30%, which is 35% above median its own 10-year median of 9.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is High Templar Tech stock overvalued right now?
Based on GuruFocus' analysis, High Templar Tech (HTT) is currently considered Significantly Overvalued. The stock's GF Value™ is $0.54, compared to a current price of $2.54 — trading 370.4% above its estimated fair value. The current 3-Year Book Growth Rate is 12.30%, which is 35% above median its 10-year median of 9.10 and 117.7% above the Credit Services industry median of 5.65. High Templar Tech's overall GF Score™ is 46/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For High Templar Tech (HTT), the current 3-Year Book Growth Rate is 12.30% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is High Templar Tech (HTT) Overvalued in 2026?
Based on GuruFocus' analysis, High Templar Tech stock appears to be overvalued.
The current stock price of $2.54 is trading 370.4% above its estimated GF Value™ of $0.54.
GuruFocus considers High Templar Tech to be Significantly Overvalued.
Key valuation signals for HTT:
3-Year Book Growth Rate: 12.30% (35% above median its 10-year median of 9.10)
GF Value™: $0.54 vs. price of $2.54 (370.4% above fair value)
Industry Position: 117.7% above the Credit Services median (#163 of 516)
No single metric tells the full story. See the HTT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
High Templar Tech Ltd is an enabler of financial technology. High Templar is focusing on exploring business opportunities globally to satisfy clients' demand by leveraging its technology know-how and financial service capabilities. The company focus empowering financial institutions with its technological capabilities, helping them improve marketing and operational efficiency and efficiently connect their diverse financial products with online traffic.
46GF Score
Get the complete analysis for HTT
3-Year Book Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
HTT has been successfully added to your 
