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High Templar TechHTT +2.02%46 Beneish M-Score is 8.59 as of Aug. 07, 2026. 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 487 Credit Services companies, High Templar Tech ranks worse than 93.84% on this metric.
The zones of discrimination for M-Score is as such:
An M-Score of equal or less than -1.78 suggests that the company is unlikely to be a manipulator.
An M-Score of greater than -1.78 signals that the company is likely to be a manipulator.
Warning Sign:
Beneish M-Score 8.59 higher than -1.78, which implies that the company might have manipulated its financial results.
The historical rank and industry rank for High Templar Tech's Beneish M-Score or its related term are showing as below:
HTT'
s Beneish M-Score Range Over the Past 10 Years
Min: -5.17 Med: -2.83 Max: 8.59
Current: 8.59
During the past 11 years, the highest Beneish M-Score of High Templar Tech was 8.59. The lowest was -5.17. And the median was -2.83.
The historical data trend for High Templar Tech's Beneish M-Score 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 Beneish M-Score, along with its competitors' market caps and Beneish M-Score 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 Beneish M-Score vs Credit Services Industry
For the Credit Services industry and Financial Services sector, High Templar Tech's Beneish M-Score distribution charts can be found below:
* The bar in red indicates where High Templar Tech's Beneish M-Score falls into.
The M-score was created by Professor Messod Beneish. Instead of measuring the bankruptcy risk (Altman Z-Score) or business trend (Piotroski F-Score), M-score can be used to detect the risk of earnings manipulation. This is the original research paper on M-score.
The M-Score Variables:
The M-score of High Templar Tech for today is based on a combination of the following eight different indices:
M
=
-4.84
+
0.92 * DSRI
+
0.528 * GMI
+
0.404 * AQI
+
0.892 * SGI
+
0.115 * DEPI
=
-4.84
+
0.92 * 15.3658
+
0.528 * 1
+
0.404 * 0.7097
+
0.892 * 0.1957
+
0.115 * 0.8476
-
0.172 * SGAI
+
4.679 * TATA
-
0.327 * LVGI
-
0.172 * 5.604
+
4.679 * -0.069813
-
0.327 * 1.5468
=
8.59
* 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.
Sales growth is not itself a measure of manipulation. However, growth companies are likely to find themselves under pressure to manipulate in order to keep up appearances.
DEPI greater than 1 indicates that assets are being depreciated at a slower rate. This suggests that the firm might be revising useful asset life assumptions upwards, or adopting a new method that is income friendly.
DEPI
=
(Depreciation_t-1 / (Depreciaton_t-1 + PPE_t-1))
/
(Depreciation_t / (Depreciaton_t + PPE_t))
=
(7.618 / (7.618 + 239.543))
/
(9.487 / (9.487 + 251.394))
=
0.030822
/
0.036365
=
0.8476
Note: If the Depreciation, Depletion and Amortization data is not available, we assume that the depreciation rate is constant and set the Depreciation Index to 1.
6. SGAI = Sales, General and Administrative expenses Index
Total accruals calculated as the change in working capital accounts other than cash less depreciation.
TATA
=
(IncomefromContinuingOperations_t
-
CashFlowsfromOperations_t)
/
TotalAssets_t
=
(NetIncome_t - NonOperatingIncome_t
-
CashFlowsfromOperations_t)
/
TotalAssets_t
=
(100.612 - 137.996
-
97.549)
/
1932.774
=
-0.069813
An M-Score of equal or less than -1.78 suggests that the company is unlikely to be a manipulator. An M-Score of greater than -1.78 signals that the company is likely to be a manipulator.
High Templar Tech has a M-score of 8.59 signals that the company is likely to be a manipulator.
High Templar Tech (HTT) has a Beneish M-Score of 8.59 as of Aug. 07, 2026. The Beneish M-score measures the likelihood of earnings manipulation. View historical data on High Templar Tech and its competitors. According to the industry distribution chart, High Templar Tech ranks #457 out of 487 companies in the Credit Services industry, placing it in the top 93.8%.
Is High Templar Tech's Beneish M-Score too high?
High Templar Tech's current Beneish M-Score is 8.59. Based on the distribution chart, High Templar Tech ranks #457 out of 487 companies in the Credit Services industry, which is in the bottom quartile 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 Beneish M-Score compare to LPRO and RM?
According to the Credit Services industry distribution chart, High Templar Tech ranks #457 out of 487 companies for Beneish M-Score. This places High Templar Tech in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Beneish M-Score for a Credit Services company?
A good Beneish M-Score depends on the Credit Services industry context. However, Beneish M-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Beneish M-Score mean?
A high Beneish M-Score can signal that a stock is expensive relative to its fundamentals. The Beneish M-score measures the likelihood of earnings manipulation. View historical data on High Templar Tech and its competitors. High Templar Tech's current Beneish M-Score is 8.59. 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 Beneish M-Score is 8.59. 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 Beneish M-Score calculated?
Beneish M-Score is calculated from a company's financial statements. For High Templar Tech (HTT), the current Beneish M-Score is 8.59 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 $2.53 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:
Beneish M-Score: 8.59
GF Value™: $0.54 vs. price of $2.53 (368.5% above fair value)
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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