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High Templar TechHTT +2.42%46 Cash-to-Debt is 5.25 as of Dec. 2025, which is 10% below its 10-year median of 5.82. 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 514 Credit Services companies, High Templar Tech ranks better than 82.68% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. High Templar Tech's cash to debt ratio for the quarter that ended in Dec. 2025 was 5.25.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, High Templar Techcould pay off its debt using the cash in hand for the quarter that ended in Dec. 2025.
The historical rank and industry rank for High Templar Tech's Cash-to-Debt or its related term are showing as below:
HTT'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.29 Med: 5.82 Max: 134.94
Current: 5.25
During the past 11 years, High Templar Tech's highest Cash to Debt Ratio was 134.94. The lowest was 0.29. And the median was 5.82.
HTT's Cash-to-Debt is ranked better than 82.68% of 514
companies
in the Credit Services industry
Industry Median: 0.195
vs HTT: 5.25
High Templar Tech (NYSE:HTT) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
High Templar Tech Cash-to-Debt Related Terms
High Templar Tech Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for High Templar Tech's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Credit Services subindustry, High Templar Tech's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt vs Credit Services Industry
For the Credit Services industry and Financial Services sector, High Templar Tech's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where High Templar Tech's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
High Templar Tech (HTT) has a Cash-to-Debt of 5.25 as of Dec. 2025. This is 10% below median its historical median of 5.82. Over the past decade, High Templar Tech's Cash-to-Debt has ranged from 0.29 to 134.94. According to the industry distribution chart, High Templar Tech ranks #89 out of 514 companies in the Credit Services industry, placing it in the top 17.3%.
Is High Templar Tech's Cash-to-Debt too high?
High Templar Tech's current Cash-to-Debt of 5.25 is 10% below median its 10-year median of 5.82. Over the past 10 years, this metric has ranged from a low of 0.29 to a high of 134.94. The Credit Services industry median Cash-to-Debt is 0.20. High Templar Tech's value of 5.25 is 2592.3% above this industry median. Based on the distribution chart, High Templar Tech ranks #89 out of 514 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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 Cash-to-Debt compare to LPRO and RM?
According to the Credit Services industry distribution chart, High Templar Tech ranks #89 out of 514 companies for Cash-to-Debt. This places High Templar Tech in the top 17% of its industry — outperforming the majority of peers. The industry median Cash-to-Debt is 0.20. High Templar Tech's value of 5.25 is 2592.3% above this benchmark. Historically, High Templar Tech's own Cash-to-Debt has ranged from 0.29 to 134.94 over the past decade. While the company's 10-year median is 5.82 vs. the industry median of 0.20, 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 Cash-to-Debt for a Credit Services company?
The median Cash-to-Debt among Credit Services companies is 0.20, based on 514 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. High Templar Tech's current Cash-to-Debt of 5.25 is 2592.3% 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median Cash-to-Debt is 0.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. High Templar Tech's current Cash-to-Debt is 5.25, which is 10% below median its own 10-year median of 5.82. 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 Cash-to-Debt is 5.25, which is 10% below median its 10-year median of 5.82 and 2592.3% above the Credit Services industry median of 0.20. 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 Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For High Templar Tech (HTT), the current Cash-to-Debt is 5.25 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:
Cash-to-Debt: 5.25 (10% below median its 10-year median of 5.82)
GF Value™: $0.54 vs. price of $2.54 (370.4% above fair value)
Industry Position: 2592.3% above the Credit Services median (#89 of 514)
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
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