HTT
High Templar Tech Limited
There isn't enough reported data to score HTT yet.
SOFI
SoFi Technologies, Inc.
SOFI's fundamentals are strong and it looks cheap: trading at 28x earnings, below its usual 43x. Analysts expect strong earnings growth.
HTT Fundamentals
| Metric | Status |
|---|---|
| Unavailable | |
| Strong | |
| N/A | |
| N/A |
HTT's profitability is currently strong. There isn't enough data to rate its revenue. Free cash flow and net leverage aren't meaningful measures for financial services companies like HTT.
SOFI Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
SOFI's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like SOFI.
HTT PE Valuation
HTT has no meaningful PE right now: it lost money over the past year.
SOFI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 19x | $15.63 | — |
| Current | 28x | $15.63 | — |
| Cheap | 33x | $18.24 | +17% |
| Fair | 43x | $23.82 | +52% |
| Expensive | 53x | $29.74 | +90% |
Historical ranges are pointers, not guarantees.
SOFI's PE is in its cheap range at 28x. If earnings grow as analysts expect, today's price would be 19x next year's earnings.
HTT Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Strong decline | |
| Strong decline | |
| Improving | |
| Limited | |
| High |
Analysts expect HTT's earnings and revenue to decline, though with profitability improving.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over HTT on the outlook, with more favorable earnings and revenue expectations.
HTT Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2025 | $0.71 | +1320% |
| Q2 2025 | $0.45 | +$0.64 |
| Q1 2025 | $0.25 | +$0.57 |
| Q4 2024 | $0.08 | +700% |
| Q3 2024 | $0.05 | -88% |
| Q2 2024 | -$0.19 | -236% |
| Q1 2024 | -$0.32 | -313% |
| Q4 2023 | $0.01 | +$0.21 |
HTT has the stronger earnings trend. Trailing diluted EPS is up 1,320% for HTT versus SOFI flat.
SOFI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.82 | +47% |
| Q3 2026 | $0.56 | 0% |
| Q2 2026 | $0.49 | -2% |
| Q1 2026 | $0.45 | +4.7% |
| Q4 2025 | $0.39 | 0% |
| Q3 2025 | $0.56 | +367% |
| Q2 2025 | $0.50 | +$0.72 |
| Q1 2025 | $0.43 | +$0.72 |
| Q4 2024 | $0.39 | +$0.75 |
SOFI earned $0.56 per share over the past year, about the same as the year before.
HTT Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $600.9K | +15% |
| Q1 2026 | $600.9K | -84% |
| Q4 2025 | $468K | -94% |
| Q4 2025 | $1.3M | -84% |
| Q3 2025 | $1.3M | -85% |
| Q2 2025 | $523.7K | -93% |
| Q1 2025 | $3.9M | -54% |
| Q4 2024 | $7.8M | -18% |
SOFI has the stronger quarterly revenue trend. Revenue is down 53% for HTT versus up 44% for SOFI.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | -2247% | -949 points |
| Q1 2026 | -2247% | +1015 points |
| Q4 2025 | -2220% | -1966 points |
| Q4 2025 | -1298% | -1085 points |
| Q3 2025 | -1298% | -1176 points |
| Q2 2025 | -3263% | -3155 points |
| Q1 2025 | -254% | -124 points |
| Q4 2024 | -213% | -45 points |
HTT's operating margin was −2247% last quarter, down 949 points from the same quarter a year ago, near the bottom of its range since 2019.
SOFI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.4B | +44% |
| Q2 2026 | $1.2B | +43% |
| Q1 2026 | $1.1B | +43% |
| Q4 2025 | $1B | +40% |
| Q3 2025 | $961.6M | +38% |
| Q2 2025 | $854.9M | +43% |
| Q1 2025 | $771.8M | +20% |
| Q4 2024 | $734.1M | +19% |
SOFI's revenue has grown year over year every quarter since mid-2022: $1.4B last quarter, up 44% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 23% | +7.5 points |
| Q2 2026 | 17% | +3.6 points |
| Q1 2026 | 18% | +7.8 points |
| Q4 2025 | 18% | +9.9 points |
| Q3 2025 | 15% | +6.3 points |
| Q2 2025 | 13% | +11 points |
| Q1 2025 | 10% | -4.3 points |
| Q4 2024 | 8.2% | -0.2 points |
SOFI has the edge over HTT on profitability, with a higher operating margin.
HTT Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $0 | $0 |
| Q1 2026 | $0 | $0 |
| Q4 2025 | $0 | $0 |
| Q3 2025 | $0 | $0 |
| Q2 2025 | $0 | $0 |
| Q1 2025 | $0 | $0 |
| Q4 2024 | $0 | $0 |
| Q3 2024 | $0 | -100% |
HTT's free cash flow was $0 over the past year, against $0 the year before. Free cash flow isn't a meaningful measure for financial services companies like HTT.
SOFI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$3.1B | -$1.7B |
| Q2 2026 | -$4B | -$2.5B |
| Q1 2026 | -$2.4B | -$2.4B |
| Q4 2025 | -$1.1B | -$815.2M |
| Q3 2025 | -$1.4B | -$149M |
| Q2 2025 | -$1.5B | -$1B |
| Q1 2025 | -$31.1M | -104% |
| Q4 2024 | -$242.4M | +$39.9M |
SOFI has the edge over HTT on cash flow, with more consistent year-over-year improvement.
HTT Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -- |
| 1 year | -5.7% | -9.5M shares |
| 3 years | -26% | -56.7M shares |
| 5 years | -41% | -109M shares |
| Available history | -46% | -136M shares |
HTT has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q2 2026 | — |
| Q1 2026 | — |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | $81.1M |
| Q3 2024 | — |
HTT hasn't bought back shares in the past year.
SOFI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.4% | +5.8M shares |
| 1 year | +5.2% | +66.8M shares |
| 3 years | +43% | +407M shares |
| 5 years | +272% | +993M shares |
SOFI has 1.4B diluted shares, up 5.2% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
HTT Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2025 | -27.7x | Net Cash |
| Q2 2025 | -21.0x | Net Cash |
| Q1 2025 | -22.6x | Net Cash |
| Q4 2024 | -20.4x | Net Cash |
| Q3 2024 | -29.5x | Net Cash |
| Q2 2024 | -48.6x | Net Cash |
| Q1 2024 | -118.2x | Net Cash |
| Q4 2023 | -68.0x | Net Cash |
HTT has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like HTT.
SOFI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.4x | Net Cash |
| Q2 2026 | -3.1x | Net Cash |
| Q1 2026 | -3.8x | Net Cash |
| Q4 2025 | -6.5x | Net Cash |
| Q3 2025 | -5.2x | Net Cash |
| Q2 2025 | -4.0x | Net Cash |
| Q1 2025 | -4.9x | Net Cash |
| Q4 2024 | -5.8x | Net Cash |
SOFI has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like SOFI.
HTT Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 26.1 | Oversold |
| Stochastic | 1.1 | Oversold |
HTT's weekly RSI is 26 (oversold) and its Stochastic is 1 (oversold).
SOFI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 43.1 | Neutral |
| Stochastic | 41.5 | Neutral |
SOFI's weekly RSI is 43 (neutral) and its Stochastic is 41 (neutral).
HTT PE vs Financial Services Sector
| Metric | HTT | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
HTT has no meaningful PE right now: it lost money over the past year.
SOFI PE vs Financial Services Sector
| Metric | SOFI | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 114% above |
| PE % | 2 | 61 | 59 pts below |
SOFI is trading at 28x earnings, a 114% premium to the Financial Services sector's median of 13x.
HTT Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $2.03 | 19% below |
| 20 week MA | $2.34 | 29% below |
| 50 week MA | $2.68 | 38% below |
| 100 week MA | $3.06 | 46% below |
| 200 week MA | $2.50 | 34% below |
HTT is in a downtrend: it's below all five of its weekly moving averages, and 34% below its 200-week average.
SOFI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $15.7 | 0.7% below |
| 20 week MA | $17.0 | 7.8% below |
| 50 week MA | $18.9 | 17% below |
| 100 week MA | $18.9 | 17% below |
| 200 week MA | $13.5 | 16% above |
SOFI has the edge over HTT on trend strength, trading above more of its moving averages.
HTT Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $4.64 | $1.23 | -73% |
| 2021 | $1.23 | $1.01 | -18% |
| 2022 | $1.01 | $0.96 | -5% |
| 2023 | $0.96 | $2.04 | +113% |
| 2024 | $2.04 | $2.94 | +44% |
| 2025 | $2.94 | $3.93 | +34% |
| 2026 YTD | $3.93 | $1.65 | -58% |
HTT's yearly returns have swung widely, from +113% in 2023 to −73% in 2020. It's down 58% so far in 2026.
SOFI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $10.4 | $12.4 | +19% |
| 2021 | $12.4 | $15.1 | +22% |
| 2022 | $15.1 | $4.61 | -69% |
| 2023 | $4.61 | $9.95 | +116% |
| 2024 | $9.95 | $16.0 | +61% |
| 2025 | $16.0 | $27.1 | +69% |
| 2026 YTD | $27.1 | $15.6 | -42% |
SOFI has the edge over HTT on returns for 2026, with the stronger performance.