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High Templar Tech Limited (HTT)
USD2.74
+0.06 (+2.05%)
CN NYSE Financial Services Financial - Credit Services
Address
Tower A 361000
Xiamen, CN
Xiamen, CN
CEO
Min Luo
Website
qudian.com
IPO
2017-07-05
CIK 1692705 ISIN US7477981069
Also trades on
New York Stock Exchange · HTT (USD)
New York Stock Exchange · QD (USD)
Description
Qudian Inc. functions as a technology enterprise primarily serving individual consumers across the People's Republic of China. The company's principal activities encompass the provision of micro-credit and short-term cash advances, alongside financial leasing and credit guarantee solutions. Additionally, Qudian offers technology development and support services. In a more recent diversification, the firm also supplies ready-to-cook meal kits, catering specifically to the needs of the working-class demographic. Founded in 2014, its corporate headquarters are situated in Xiamen, China.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
USD2.74
+0.06 (+2.05%)
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Volume Profile
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Liquidity & share structure
Average Volume
257.3K
Beta
1.21
Float Shares
86.80M
Free Float %
53.6%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -0.33% | -1.97% | +26.16% | +11.15% | -38.10% | -15.77% | +1.01% | +112.06% | +32.30% | -89.75% | -89.75% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Analyst Consensus (10 ratings, all time)
Hold
Price Targets & DCF
Current price
2.74
DCF (Unlevered)
4.95
+81.0%
DCF (Levered)
5.10
+86.5%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Ratings Trend (MoM)
86% Bullish
| Rating | 2024-11 | Change |
|---|---|---|
| Strong Buy | 3 | 0 |
| Buy | 3 | 0 |
| Hold | 1 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
2.58
Grey zone
Piotroski F-Score
4 / 9
Average
MOAT Score
1 / 10
No MOAT
Composite Rating
A
Overall Score
4 / 5
High
DCF Score
4 / 5
High
ROE Score
3 / 5
Medium
ROA Score
5 / 5
High
D/E Score
3 / 5
Medium
P/E Score
4 / 5
High
P/Book Score
4 / 5
High
Operational MOAT
✗ Below peers
-
Revenue growth Financial - Credit Services: +13.2%-81.1% Q4'25: -94.0% (vs Q4'24)
-
EPS growth Financial - Credit Services: +24.0%+767.4% ★ Q4'25: -194.3% (vs Q4'24)
-
FCF margin FCF growth · Financial - Credit Services: +70.9%-821.9% Q4'25: +0.0% (vs Q4'24)
-
EBIT margin Financial - Credit Services: +28.7%-841.0% Q4'25: -4,880.7% (vs Q4'24)
-
ROIC Financial - Credit Services: +5.0%-9.7% Q4'25: -17.9% (vs Q4'24)
-
Share dilution Financial - Credit Services: +0.0%-15.9% ★ Q4'25: -15.9% (vs Q4'24)
-
Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×-5.70× Q4'25: -2.60× (vs Q4'24)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Dec 2023 actual |
Dec 2024 actual |
|---|---|---|
| Revenue |
126.34M
est: 51.04M (+147.5%)
|
216.43M
est: 45.56M (+375.1%)
|
| EBITDA |
142.75M
est: 26.20M (+444.9%)
|
213.00M
est: 11.08M (+1,822.3%)
|
| EBIT |
101.47M
est: 19.70M (+415.1%)
|
157.54M
est: 5.39M (+2,822.9%)
|
| Net Income |
39.13M
est: -7.18M (+644.8%)
|
91.73M
est: -5.54M (+1,755.4%)
|
| SGA |
277.39M
est: 50.74M (+446.7%)
|
282.43M
est: 89.43M (+215.8%)
|
| EPS |
0.18
est: -0.04 (+570.5%)
|
0.50
est: -0.04 (+1,525.1%)
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-28 | A | 4/5 | 4/5 | 3/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-05-27 | A | 4/5 | 4/5 | 2/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-05-26 | A | 4/5 | 5/5 | 2/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-05-22 | A+ | 4/5 | 5/5 | 3/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-05-21 | A | 4/5 | 5/5 | 2/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-05-20 | A | 4/5 | 5/5 | 2/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-05-19 | A+ | 4/5 | 5/5 | 3/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-05-18 | A+ | 4/5 | 5/5 | 3/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-05-15 | A | 4/5 | 5/5 | 2/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-05-14 | A | 4/5 | 5/5 | 2/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-05-13 | A | 4/5 | 5/5 | 2/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-05-12 | A | 4/5 | 5/5 | 2/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-05-11 | A | 4/5 | 5/5 | 2/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-05-08 | A | 4/5 | 5/5 | 2/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-05-07 | A | 4/5 | 5/5 | 2/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-05-06 | A | 4/5 | 5/5 | 2/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-05-05 | A | 4/5 | 5/5 | 2/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-05-04 | A | 4/5 | 5/5 | 2/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-05-01 | A | 4/5 | 5/5 | 2/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-04-30 | A | 4/5 | 5/5 | 2/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-04-29 | A | 4/5 | 5/5 | 2/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-04-28 | A | 4/5 | 5/5 | 2/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-04-27 | A | 4/5 | 5/5 | 2/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-04-24 | A | 4/5 | 5/5 | 3/5 | 5/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-23 | A | 4/5 | 5/5 | 3/5 | 5/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-22 | A | 4/5 | 5/5 | 3/5 | 5/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-21 | A | 4/5 | 5/5 | 3/5 | 5/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-20 | A | 4/5 | 5/5 | 3/5 | 5/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-17 | A | 4/5 | 5/5 | 3/5 | 5/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-16 | A | 4/5 | 5/5 | 3/5 | 5/5 | 2/5 | 4/5 | 4/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
-838.83M
OE per share TTM
-4.48
Owner's Yield
-177.62%
Maintenance CapEx ratio
8.00%
Maint CapEx / Avg PPE
50.1%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
Held by 3 ETFs in our universe
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | State Street SPDR S&P Emerging Markets Small Cap ETF EWX | 0.03% | 223.3K | 0.65% |
| 2 | State Street SPDR S&P China ETF GXC | 0.02% | 67.7K | 0.59% |
| 3 | State Street SPDR S&P Emerging Asia Pacific ETF GMF | 0.00% | 21.4K | 0.49% |
Insider Activity
Insider Activity — Latest Quarter
Ratio by transactions
0.00
Bearish
Buys
0
Sells
0
Shares acquired
—
Shares disposed
—
Cash buys
—
Cash sales
—
Net activity
+0
Insider buys vs sells (history)
From
To
Recent insider transactions
From
To
| Date | Person | Role | Transaction | A/D | Security | Shares | Price | Value | Owned after | D/I | Filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026-03-18 | Xu Long | Director / Officer | — | — | Stock Options (right to buy) | 80,000 | 0.00 | 8.00 | 0 | I | ↗ |
| 2026-03-18 | Luo Min | Director / Officer / 10% Owner | — | — | Class B ordinary shares | 63,491,172 | 0.00 | — | 0 | I | ↗ |
| 2026-03-18 | Li Yifan (Frank) | Director | — | — | Stock Options (right to buy) | 20,000 | 0.00 | 2.00 | 0 | I | ↗ |
| 2026-03-18 | Gao Yan (Rock) | Officer | — | — | Stock Options (right to buy) | 80,000 | 0.00 | 8.00 | 0 | I | ↗ |
| 2026-03-18 | Cui David | Director | — | — | — | 0 | 0.00 | — | 0 | — | ↗ |
Executive team
Top executives
EBIT / Employee
-13.1K
Shares Outstanding
161.91M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Annie Huang | Director of Capital Markets | — | female |
| Gao Yan | Vice President of Finance | — | male |
| Lianzhu Lv | Head of User Experience Department | — | male |
| Long Xu | Senior Vice President & Director | — | male |
| Min Luo | Founder, Chairman & Chief Executive Officer | — | male |
| Sissi Zhu | Vice President of Investor Relations | — | female |
| Weichen Zhao | Chief Executive Officer Assistant | — | male |
| Yang Binbin | Vice President of Public Relations | — | — |
ESG Rating
ESG Score History FINANCIAL - CREDIT SERVICES
Benchmark vs Sector
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for HTT
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
