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High Templar Tech (STU:1QU) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
High Templar Tech Net Margin % Related Terms
High Templar Tech Net Margin % Historical Data
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The historical data trend for High Templar Tech's Net Margin % 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.
STU:1QU vs LPRO, RM, OPRT: Net Margin % Comparison
For the Credit Services subindustry, High Templar Tech's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, High Templar Tech's Net Margin % distribution charts can be found below:
* The bar in red indicates where High Templar Tech's Net Margin % 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 (STU:1QU) has a Net Margin % of -5,164.75% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on High Templar Tech and its competitors. According to the industry distribution chart, High Templar Tech ranks #3 out of 537 companies in the Credit Services industry, placing it in the top 0.59999999999999%.
Is High Templar Tech's Net Margin % too high?
High Templar Tech's current Net Margin % is -5,164.75%. Based on the distribution chart, High Templar Tech ranks #3 out of 537 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, reflecting its overall financial health beyond just this single metric.
How does High Templar Tech's Net Margin % compare to LPRO and RM?
According to the Credit Services industry distribution chart, High Templar Tech ranks #3 out of 537 companies for Net Margin %. This places High Templar Tech in the top 1% of its industry — outperforming the majority of peers. The industry median Net Margin % is 15.07. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 15.07, based on 537 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on High Templar Tech and its competitors. For the Credit Services industry, the median Net Margin % is 15.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. High Templar Tech's current Net Margin % is -5,164.75%. 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?
High Templar Tech (STU:1QU) has a current Net Margin % of -5,164.75%. The stock's GF Value™ is €0.47, compared to a current price of €2.14 — trading 355.3% above its estimated fair value. The current Net Margin % is -5,164.75%. 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 Margin % calculated?
Net Margin % is calculated from a company's financial statements. For High Templar Tech (STU:1QU), the current Net Margin % is -5,164.75% 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 (STU:1QU) Overvalued in 2026?
Based on GuruFocus' analysis, High Templar Tech stock appears to be overvalued.
The current stock price of €2.14 is trading 355.3% above its estimated GF Value™ of €0.47.
Key valuation signals for STU:1QU:
Net Margin %: -5,164.75%
GF Value™: €0.47 vs. price of €2.14 (355.3% above fair value)
No single metric tells the full story. See the STU:1QU 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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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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