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High Templar TechHTT +2.82%46 Net Cash per Share is $5.72 as of Dec. 2025, which is 1330% above its 10-year median of 0.40. 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 60 Credit Services companies, High Templar Tech ranks better than 95% on this metric.
High Templar Tech (NYSE:HTT) Net Cash per Share Explanation
Ben Graham invested in situations where the company's stock price was lower than its net-cash. He assigned some value to the company's other current asset. The value is called Net Current Asset Value (NCAV). One research study, covering the years 1970 through 1983 showed that portfolios picked at the beginning of each year, and held for one year, returned 29.4 percent, on average, over the 13-year period, compared to 11.5 percent for the S&P 500 Index. Other studies of Graham's strategy produced similar results.
You can find companies that are traded below their Net Current Asset Value (NCAV) with our Net-Net screener.
High Templar Tech Net Cash per Share Related Terms
High Templar Tech Net Cash per Share Historical Data
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The historical data trend for High Templar Tech's Net Cash per Share 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.
HTT vs LPRO, RM, OPRT: Net Cash per Share Comparison
For the Credit Services subindustry, High Templar Tech's Price-to-Net-Cash, along with its competitors' market caps and Price-to-Net-Cash 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-Net-Cash vs Credit Services Industry
For the Credit Services industry and Financial Services sector, High Templar Tech's Price-to-Net-Cash distribution charts can be found below:
* The bar in red indicates where High Templar Tech's Price-to-Net-Cash falls into.
In the calculation of a company's Net Cash per Share, assets other than cash and short term investments are considered to be worth nothing. But the company has to pay its debt and other liabilities in full. This is an extremely conservative way of valuation. Most companies have negative Net Cash per Share. But sometimes a company's price may be lower than its net-cash.
High Templar Tech's Net Cash per Share 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 Net Cash per Share of $5.72 as of Dec. 2025. Net cash per share equals the per-share value of cash and equivalents less total liabilities and minority interest. View historical data on High Templar Tech and its competitors. This is 1330% above median its historical median of 0.40. Over the past decade, High Templar Tech's Net Cash per Share has ranged from 0.19 to 0.62. According to the industry distribution chart, High Templar Tech ranks #3 out of 60 companies in the Credit Services industry, placing it in the top 5%.
Is High Templar Tech's Net Cash per Share too high?
High Templar Tech's current Net Cash per Share of $5.72 is 1330% above median its 10-year median of 0.40. Over the past 10 years, this metric has ranged from a low of 0.19 to a high of 0.62. The Credit Services industry median Net Cash per Share is 8.53. High Templar Tech's value of $5.72 is 32.9% below this industry median. Based on the distribution chart, High Templar Tech ranks #3 out of 60 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 Net Cash per Share compare to LPRO and RM?
According to the Credit Services industry distribution chart, High Templar Tech ranks #3 out of 60 companies for Net Cash per Share. This places High Templar Tech in the top 5% of its industry — outperforming the majority of peers. The industry median Net Cash per Share is 8.53. High Templar Tech's value of $5.72 is 32.9% below this benchmark. Historically, High Templar Tech's own Net Cash per Share has ranged from 0.19 to 0.62 over the past decade. While the company's 10-year median is 0.40 vs. the industry median of 8.53, 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 Net Cash per Share for a Credit Services company?
The median Net Cash per Share among Credit Services companies is 8.53, based on 60 companies in the industry. Companies in the top quartile (top 25%) have a Net Cash per Share significantly above this median, while those in the bottom quartile fall well below. However, Net Cash per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. High Templar Tech's current Net Cash per Share of $5.72 is 32.9% 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 Net Cash per Share mean?
A high Net Cash per Share can signal that a stock is expensive relative to its fundamentals. Net cash per share equals the per-share value of cash and equivalents less total liabilities and minority interest. View historical data on High Templar Tech and its competitors. For the Credit Services industry, the median Net Cash per Share is 8.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. High Templar Tech's current Net Cash per Share is $5.72, which is 1330% above median its own 10-year median of 0.40. 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 $2.55 — trading 372.2% above its estimated fair value. The current Net Cash per Share is $5.72, which is 1330% above median its 10-year median of 0.40 and 32.9% below the Credit Services industry median of 8.53. 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 Net Cash per Share calculated?
Net Cash per Share is calculated from a company's financial statements. For High Templar Tech (HTT), the current Net Cash per Share is $5.72 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 $2.55 is trading 372.2% above its estimated GF Value™ of $0.54.
GuruFocus considers High Templar Tech to be Significantly Overvalued.
Key valuation signals for HTT:
Net Cash per Share: $5.72 (1330% above median its 10-year median of 0.40)
GF Value™: $0.54 vs. price of $2.55 (372.2% above fair value)
Industry Position: 32.9% below the Credit Services median (#3 of 60)
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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