High Templar TechHTT -23.57%46 PB Ratio is 0.23 as of Jun. 25, 2026, which is 18% below its 10-year median of 0.28. GuruFocus rates HTT with a GF Score™ of 46/100 and a GF Value™ of $0.55 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 523 Credit Services companies, High Templar Tech ranks better than 90.82% on this metric.
The historical rank and industry rank for High Templar Tech's PB Ratio or its related term are showing as below:
HTT'
s PB Ratio Range Over the Past 10 Years
Min: 0.09 Med: 0.28 Max: 3.57
Current: 0.23
During the past 11 years, High Templar Tech's highest PB Ratio was 3.57. The lowest was 0.09. And the median was 0.28.
HTT's PB Ratio is ranked better than 90.82% of 523
companies
in the Credit Services industry
Industry Median: 1.06
vs HTT: 0.23
During the past 12 months, High Templar Tech's average Book Value Per Share Growth Rate was 14.70% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 12.30% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 7.50% per year.
During the past 11 years, the highest 3-Year average Book Value Per Share Growth Rate of High Templar Tech was 17.40% per year. The lowest was 3.50% per year. And the median was 9.10% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
High Templar Tech PB Ratio Related Terms
High Templar Tech PB Ratio Historical Data
* Premium members only.
The historical data trend for High Templar Tech's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, High Templar Tech's PB Ratio distribution charts can be found below:
* The bar in red indicates where High Templar Tech's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
High Templar Tech (HTT) has a PB Ratio of 0.23 as of Jun. 25, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on High Templar Tech and its competitors. This is 18% below median its historical median of 0.28. Over the past decade, High Templar Tech's PB Ratio has ranged from 0.09 to 3.57. According to the industry distribution chart, High Templar Tech ranks #48 out of 523 companies in the Credit Services industry, placing it in the top 9.2%.
Is High Templar Tech's PB Ratio too high?
High Templar Tech's current PB Ratio of 0.23 is 18% below median its 10-year median of 0.28. Over the past 10 years, this metric has ranged from a low of 0.09 to a high of 3.57. The Credit Services industry median PB Ratio is 1.06. High Templar Tech's value of 0.23 is 78.3% below this industry median. Based on the distribution chart, High Templar Tech ranks #48 out of 523 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 PB Ratio compare to TROO and LX?
According to the Credit Services industry distribution chart, High Templar Tech ranks #48 out of 523 companies for PB Ratio. This places High Templar Tech in the top 9% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.06. High Templar Tech's value of 0.23 is 78.3% below this benchmark. Historically, High Templar Tech's own PB Ratio has ranged from 0.09 to 3.57 over the past decade. While the company's 10-year median is 0.28 vs. the industry median of 1.06, 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 PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.06, based on 523 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. High Templar Tech's current PB Ratio of 0.23 is 78.3% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on High Templar Tech and its competitors. For the Credit Services industry, the median PB Ratio is 1.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. High Templar Tech's current PB Ratio is 0.23, which is 18% below median its own 10-year median of 0.28. 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 $0.55, compared to a current price of $2.40 — trading 336.4% above its estimated fair value. The current PB Ratio is 0.23, which is 18% below median its 10-year median of 0.28 and 78.3% below the Credit Services industry median of 1.06. High Templar Tech's overall GF Score™ is 46/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For High Templar Tech (HTT), the current PB Ratio is 0.23 as of Jun. 25, 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 $2.40 is trading 336.4% above its estimated GF Value™ of $0.55.
GuruFocus considers High Templar Tech to be Significantly Overvalued.
Key valuation signals for HTT:
PB Ratio: 0.23 (18% below median its 10-year median of 0.28)
GF Value™: $0.55 vs. price of $2.40 (336.4% above fair value)
Industry Position: 78.3% below the Credit Services median (#48 of 523)
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
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
HTT has been successfully added to your 
