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High Templar TechHTT +1.61%46 Return-on-Tangible-Equity is -5.57% 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 527 Credit Services companies, High Templar Tech ranks worse than 53.51% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. High Templar Tech's annualized net income for the quarter that ended in Dec. 2025 was $-92.65 Mil. High Templar Tech's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $1,664.39 Mil. Therefore, High Templar Tech's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was -5.57%.
The historical rank and industry rank for High Templar Tech's Return-on-Tangible-Equity or its related term are showing as below:
HTT'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -2.81 Med: 6.28 Max: 69.09
Current: 6.11
During the past 11 years, High Templar Tech's highest Return-on-Tangible-Equity was 69.09%. The lowest was -2.81%. And the median was 6.28%.
HTT's Return-on-Tangible-Equity is ranked worse than 53.51% of 527
companies
in the Credit Services industry
Industry Median: 7.06
vs HTT: 6.11
High Templar Tech (NYSE:HTT) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
High Templar Tech Return-on-Tangible-Equity Related Terms
High Templar Tech Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for High Templar Tech's Return-on-Tangible-Equity 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: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, High Templar Tech's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, High Templar Tech's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where High Templar Tech's Return-on-Tangible-Equity 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 the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of -5.57% mean?
High Templar Tech (HTT) has a Return-on-Tangible-Equity of -5.57% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on High Templar Tech and its competitors. According to the industry distribution chart, High Templar Tech ranks #282 out of 527 companies in the Credit Services industry, placing it in the top 53.5%.
Is High Templar Tech's Return-on-Tangible-Equity too high?
High Templar Tech's current Return-on-Tangible-Equity is -5.57%. Based on the distribution chart, High Templar Tech ranks #282 out of 527 companies in the Credit Services industry, which is below the industry midpoint. 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 Return-on-Tangible-Equity compare to LPRO and RM?
According to the Credit Services industry distribution chart, High Templar Tech ranks #282 out of 527 companies for Return-on-Tangible-Equity. This places High Templar Tech in the lower half of its industry. The industry median Return-on-Tangible-Equity is 7.06. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Equity for a Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.06, based on 527 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on High Templar Tech and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. High Templar Tech's current Return-on-Tangible-Equity is -5.57%. 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 $2.52 — trading 366.7% above its estimated fair value. The current Return-on-Tangible-Equity is -5.57%. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For High Templar Tech (HTT), the current Return-on-Tangible-Equity is -5.57% 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 $2.52 is trading 366.7% above its estimated GF Value™ of $0.54.
GuruFocus considers High Templar Tech to be Significantly Overvalued.
Key valuation signals for HTT:
Return-on-Tangible-Equity: -5.57%
GF Value™: $0.54 vs. price of $2.52 (366.7% 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
Get the complete analysis for HTT
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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