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High Templar TechHTT +2.42%46 Intrinsic Value: Projected FCF is $17.51 as of Aug. 07, 2026, which is 15818% above its 10-year median of 0.11. 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 314 Credit Services companies, High Templar Tech ranks better than 90.13% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-08-07), High Templar Tech's Intrinsic Value: Projected FCF is $17.51. The stock price of High Templar Tech is $2.54. Therefore, High Templar Tech's Price-to-Intrinsic-Value-Projected-FCF of today is 0.2.
The historical rank and industry rank for High Templar Tech's Intrinsic Value: Projected FCF or its related term are showing as below:
HTT'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.04 Med: 0.11 Max: 0.2
Current: 0.15
During the past 11 years, the highest Price-to-Intrinsic-Value-Projected-FCF of High Templar Tech was 0.20. The lowest was 0.04. And the median was 0.11.
HTT's Price-to-Projected-FCF is ranked better than 90.13% of 314
companies
in the Credit Services industry
Industry Median: 0.72
vs HTT: 0.15
High Templar Tech (NYSE:HTT) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
High Templar Tech's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
2.54
/
17.513961854072
=
0.15
* 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 Intrinsic Value: Projected FCF Related Terms
High Templar Tech Intrinsic Value: Projected FCF Historical Data
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The historical data trend for High Templar Tech's Intrinsic Value: Projected FCF 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.
High Templar Tech Intrinsic Value: Projected FCF Chart
HTT vs LPRO, RM, OPRT: Intrinsic Value: Projected FCF Comparison
For the Credit Services subindustry, High Templar Tech's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF 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 Price-to-Projected-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, High Templar Tech's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where High Templar Tech's Price-to-Projected-FCF falls into.
High Templar Tech Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of $17.51 mean?
High Templar Tech (HTT) has a Intrinsic Value: Projected FCF of $17.51 as of Aug. 07, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on High Templar Tech and its competitors. This is 15818% above median its historical median of 0.11. Over the past decade, High Templar Tech's Intrinsic Value: Projected FCF has ranged from 0.04 to 0.20. According to the industry distribution chart, High Templar Tech ranks #31 out of 314 companies in the Credit Services industry, placing it in the top 9.9%.
Is High Templar Tech's Intrinsic Value: Projected FCF too high?
High Templar Tech's current Intrinsic Value: Projected FCF of $17.51 is 15818% above median its 10-year median of 0.11. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 0.20. The Credit Services industry median Intrinsic Value: Projected FCF is 0.72. High Templar Tech's value of $17.51 is 2331.9% above this industry median. Based on the distribution chart, High Templar Tech ranks #31 out of 314 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 Intrinsic Value: Projected FCF compare to LPRO and RM?
According to the Credit Services industry distribution chart, High Templar Tech ranks #31 out of 314 companies for Intrinsic Value: Projected FCF. This places High Templar Tech in the top 10% of its industry — outperforming the majority of peers. The industry median Intrinsic Value: Projected FCF is 0.72. High Templar Tech's value of $17.51 is 2331.9% above this benchmark. Historically, High Templar Tech's own Intrinsic Value: Projected FCF has ranged from 0.04 to 0.20 over the past decade. While the company's 10-year median is 0.11 vs. the industry median of 0.72, 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 Intrinsic Value: Projected FCF for a Credit Services company?
The median Intrinsic Value: Projected FCF among Credit Services companies is 0.72, based on 314 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. High Templar Tech's current Intrinsic Value: Projected FCF of $17.51 is 2331.9% 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on High Templar Tech and its competitors. For the Credit Services industry, the median Intrinsic Value: Projected FCF is 0.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. High Templar Tech's current Intrinsic Value: Projected FCF is $17.51, which is 15818% above median its own 10-year median of 0.11. 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 Intrinsic Value: Projected FCF is $17.51, which is 15818% above median its 10-year median of 0.11 and 2331.9% above the Credit Services industry median of 0.72. 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 Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For High Templar Tech (HTT), the current Intrinsic Value: Projected FCF is $17.51 as of Aug. 07, 2026. 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:
Intrinsic Value: Projected FCF: $17.51 (15818% above median its 10-year median of 0.11)
GF Value™: $0.54 vs. price of $2.54 (370.4% above fair value)
Industry Position: 2331.9% above the Credit Services median (#31 of 314)
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
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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