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High Templar TechHTT +2.02%46 Debt-to-Equity is 0.14 as of Dec. 2025, which is 75% above its 10-year median of 0.08. 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 455 Credit Services companies, High Templar Tech ranks better than 84.84% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for High Templar Tech's Debt-to-Equity or its related term are showing as below:
HTT'
s Debt-to-Equity Range Over the Past 10 Years
Min: -1.24 Med: 0.08 Max: 0.89
Current: 0.14
During the past 11 years, the highest Debt-to-Equity Ratio of High Templar Tech was 0.89. The lowest was -1.24. And the median was 0.08.
HTT's Debt-to-Equity is ranked better than 84.84% of 455
companies
in the Credit Services industry
Industry Median: 1.22
vs HTT: 0.14
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
High Templar Tech Debt-to-Equity Related Terms
High Templar Tech Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for High Templar Tech's Debt-to-Equity 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 Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, High Templar Tech's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where High Templar Tech's Debt-to-Equity 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 Debt-to-Equity of 0.14 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on High Templar Tech and its competitors. This is 75% above median its historical median of 0.08. According to the industry distribution chart, High Templar Tech ranks #69 out of 455 companies in the Credit Services industry, placing it in the top 15.2%.
Is High Templar Tech's Debt-to-Equity too high?
High Templar Tech's current Debt-to-Equity of 0.14 is 75% above median its 10-year median of 0.08. The Credit Services industry median Debt-to-Equity is 1.22. High Templar Tech's value of 0.14 is 88.5% below this industry median. Based on the distribution chart, High Templar Tech ranks #69 out of 455 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 Debt-to-Equity compare to LPRO and RM?
According to the Credit Services industry distribution chart, High Templar Tech ranks #69 out of 455 companies for Debt-to-Equity. This places High Templar Tech in the top 15% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 1.22. High Templar Tech's value of 0.14 is 88.5% below this benchmark. While the company's 10-year median is 0.08 vs. the industry median of 1.22, High Templar Tech has consistently been below 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 Debt-to-Equity for a Credit Services company?
The median Debt-to-Equity among Credit Services companies is 1.22, based on 455 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. High Templar Tech's current Debt-to-Equity of 0.14 is 88.5% below 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on High Templar Tech and its competitors. For the Credit Services industry, the median Debt-to-Equity is 1.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. High Templar Tech's current Debt-to-Equity is 0.14, which is 75% above median its own 10-year median of 0.08. 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 Debt-to-Equity is 0.14, which is 75% above median its 10-year median of 0.08 and 88.5% below the Credit Services industry median of 1.22. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For High Templar Tech (HTT), the current Debt-to-Equity is 0.14 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:
Debt-to-Equity: 0.14 (75% above median its 10-year median of 0.08)
GF Value™: $0.54 vs. price of $2.53 (368.5% above fair value)
Industry Position: 88.5% below the Credit Services median (#69 of 455)
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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