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High Templar TechHTT +2.02%46 Net-Net Working Capital is $5.75 as of Dec. 2025. 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 77 Credit Services companies, High Templar Tech ranks better than 93.51% on this metric.
In calculating the Net-Net Working Capital (NNWC), Benjamin Graham assumed that a company's accounts receivable is only worth 75% its value, its inventory is only worth 50% of its value, but its liabilities have to be paid in full. In addition, Graham believed that preferred stock belongs on the liability side of the balance sheet, not as part of capital and surplus. This is a conservative way of estimating the company's value.
High Templar Tech's Net-Net Working Capital for the quarter that ended in Dec. 2025 was $5.75.
The industry rank for High Templar Tech's Net-Net Working Capital or its related term are showing as below:
HTT's Price-to-Net-Net-Working-Capital is ranked better than 93.51% of 77
companies
in the Credit Services industry
Industry Median: 6.9
vs HTT: 0.44
High Templar Tech (NYSE:HTT) Net-Net Working Capital Explanation
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.
Benjamin Graham looked for companies whose market values were less than two-thirds of their net-net value. They are collected under our Net-Net screener.
High Templar Tech Net-Net Working Capital Related Terms
High Templar Tech Net-Net Working Capital Historical Data
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The historical data trend for High Templar Tech's Net-Net Working Capital 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-Net Working Capital Comparison
For the Credit Services subindustry, High Templar Tech's Price-to-Net-Net-Working-Capital, along with its competitors' market caps and Price-to-Net-Net-Working-Capital 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-Net-Working-Capital vs Credit Services Industry
For the Credit Services industry and Financial Services sector, High Templar Tech's Price-to-Net-Net-Working-Capital distribution charts can be found below:
* The bar in red indicates where High Templar Tech's Price-to-Net-Net-Working-Capital 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.
In calculating the Net-Net Working Capital (NNWC), Benjamin Graham assumed that a company's accounts receivable is only worth 75% its value, its inventory is only worth 50% of its value, but its liabilities have to be paid in full.
In addition, Graham believed that preferred stock belongs on the liability side of the balance sheet, not as part of capital and surplus. In "Security Analysis", preferred stock is dubbed "an imperfect creditorship position" that is best placed on the balance sheet alongside funded debt.
This is a conservative way of estimating the company's value.
What does a Net-Net Working Capital of $5.75 mean?
High Templar Tech (HTT) has a Net-Net Working Capital of $5.75 as of Dec. 2025. Ben Graham defined net-net working capital as the per-share sum of cash, 75% of receivables and 50% of inventory less total liabilities. View historical data on High Templar Tech According to the industry distribution chart, High Templar Tech ranks #5 out of 77 companies in the Credit Services industry, placing it in the top 6.5%.
Is High Templar Tech's Net-Net Working Capital too high?
High Templar Tech's current Net-Net Working Capital is $5.75. The Credit Services industry median Net-Net Working Capital is 6.90. High Templar Tech's value of $5.75 is 16.7% below this industry median. Based on the distribution chart, High Templar Tech ranks #5 out of 77 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-Net Working Capital compare to LPRO and RM?
According to the Credit Services industry distribution chart, High Templar Tech ranks #5 out of 77 companies for Net-Net Working Capital. This places High Templar Tech in the top 7% of its industry — outperforming the majority of peers. The industry median Net-Net Working Capital is 6.90. High Templar Tech's value of $5.75 is 16.7% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net-Net Working Capital for a Credit Services company?
The median Net-Net Working Capital among Credit Services companies is 6.90, based on 77 companies in the industry. Companies in the top quartile (top 25%) have a Net-Net Working Capital significantly above this median, while those in the bottom quartile fall well below. However, Net-Net Working Capital should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. High Templar Tech's current Net-Net Working Capital of $5.75 is 16.7% 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-Net Working Capital mean?
A high Net-Net Working Capital can signal that a stock is expensive relative to its fundamentals. Ben Graham defined net-net working capital as the per-share sum of cash, 75% of receivables and 50% of inventory less total liabilities. View historical data on High Templar Tech For the Credit Services industry, the median Net-Net Working Capital is 6.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. High Templar Tech's current Net-Net Working Capital is $5.75. 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?
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 Net-Net Working Capital is $5.75 and 16.7% below the Credit Services industry median of 6.90. 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-Net Working Capital calculated?
Net-Net Working Capital is calculated from a company's financial statements. For High Templar Tech (HTT), the current Net-Net Working Capital is $5.75 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 (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:
Net-Net Working Capital: $5.75
GF Value™: $0.54 vs. price of $2.53 (368.5% above fair value)
Industry Position: 16.7% below the Credit Services median (#5 of 77)
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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Net-Net Working Capital is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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