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High Templar TechHTT +2.02%46 Days Payable is 6,894.82 as of Dec. 2025, which is 7807% above its 10-year median of 87.20. 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 302 Credit Services companies, High Templar Tech ranks better than 94.04% on this metric.
The historical rank and industry rank for High Templar Tech's Days Payable or its related term are showing as below:
HTT'
s Days Payable Range Over the Past 10 Years
Min: 16.44 Med: 87.2 Max: 1496.9
Current: 1496.9
During the past 11 years, High Templar Tech's highest Days Payable was 1496.90. The lowest was 16.44. And the median was 87.20.
HTT's Days Payable is ranked better than 94.04% of 302
companies
in the Credit Services industry
Industry Median: 33.455
vs HTT: 1496.90
High Templar Tech's Days Payable
increased
from Dec. 2024 (258.03) to Dec. 2025 (6,894.82).
It may suggest that High Templar Techdelayed paying its suppliers.
The historical data trend for High Templar Tech's Days Payable 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.
For the Credit Services subindustry, High Templar Tech's Days Payable, along with its competitors' market caps and Days Payable 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 Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, High Templar Tech's Days Payable distribution charts can be found below:
* The bar in red indicates where High Templar Tech's Days Payable falls into.
Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.
High Templar Tech's Days Payable for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Days Payable of 6,894.82 as of Dec. 2025. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on High Templar Tech and its competitors. This is 7807% above median its historical median of 87.20. Over the past decade, High Templar Tech's Days Payable has ranged from 16.44 to 1,496.90. According to the industry distribution chart, High Templar Tech ranks #18 out of 302 companies in the Credit Services industry, placing it in the top 6%.
Is High Templar Tech's Days Payable too high?
High Templar Tech's current Days Payable of 6,894.82 is 7807% above median its 10-year median of 87.20. Over the past 10 years, this metric has ranged from a low of 16.44 to a high of 1,496.90. The Credit Services industry median Days Payable is 33.46. High Templar Tech's value of 6,894.82 is 20509.2% above this industry median. Based on the distribution chart, High Templar Tech ranks #18 out of 302 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 Days Payable compare to LPRO and RM?
According to the Credit Services industry distribution chart, High Templar Tech ranks #18 out of 302 companies for Days Payable. This places High Templar Tech in the top 6% of its industry — outperforming the majority of peers. The industry median Days Payable is 33.46. High Templar Tech's value of 6,894.82 is 20509.2% above this benchmark. Historically, High Templar Tech's own Days Payable has ranged from 16.44 to 1,496.90 over the past decade. While the company's 10-year median is 87.20 vs. the industry median of 33.46, 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 Days Payable for a Credit Services company?
The median Days Payable among Credit Services companies is 33.46, based on 302 companies in the industry. Companies in the top quartile (top 25%) have a Days Payable significantly above this median, while those in the bottom quartile fall well below. However, Days Payable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. High Templar Tech's current Days Payable of 6,894.82 is 20509.2% 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 Days Payable mean?
A high Days Payable can signal that a stock is expensive relative to its fundamentals. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on High Templar Tech and its competitors. For the Credit Services industry, the median Days Payable is 33.46 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. High Templar Tech's current Days Payable is 6,894.82, which is 7807% above median its own 10-year median of 87.20. 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 $2.53 — trading 368.5% above its estimated fair value. The current Days Payable is 6,894.82, which is 7807% above median its 10-year median of 87.20 and 20509.2% above the Credit Services industry median of 33.46. 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 Days Payable calculated?
Days Payable is calculated from a company's financial statements. For High Templar Tech (HTT), the current Days Payable is 6,894.82 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 $2.53 is trading 368.5% above its estimated GF Value™ of $0.54.
GuruFocus considers High Templar Tech to be Significantly Overvalued.
Key valuation signals for HTT:
Days Payable: 6,894.82 (7807% above median its 10-year median of 87.20)
GF Value™: $0.54 vs. price of $2.53 (368.5% above fair value)
Industry Position: 20509.2% above the Credit Services median (#18 of 302)
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
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