HTT vs XYF
High Templar Tech Ltd. and X Financial, side by side — 10 fiscal years reported in CNY, drawn from SEC filings.
At a glance
Most recent reported year
| Metric | HTT | XYF |
|---|---|---|
| Revenue | CNY 41.0M | CNY 7.6B |
| Net income | CNY 708.6M | CNY 1.5B |
| Gross margin | 81.1% | 73.6% |
| Net margin | 1729.9% | 19.2% |
| Return on equity | 6.2% | 19.8% |
| Diluted EPS | — | CNY 5.87 |
| Dividend / share | — | $0.09 |
| Payout ratio | — | 10.6% |
| Free cash flow | CNY 570.4M | CNY 1.4B |
| Equity | CNY 11.6B | CNY 7.8B |
| Net debt / equity | −0.34× | −0.07× |
| Current ratio | 5.75× | — |
| Revenue CAGR 5y | −59.3% | 28.4% |
| Profit CAGR 5y | −5.9% | — |
XYF bills 186.5× the revenue of HTT, and HTT keeps more of each dollar of revenue as profit (1729.9% against 19.2%).
The stronger figure of the pair is set in bold. That is arithmetic, not a recommendation — this page does not pick a winner.
Revenue by year
10 years side by side
| Fiscal year | HTT | XYF |
|---|---|---|
| FY2025 | CNY 41.0M | CNY 7.6B |
| FY2024 | CNY 216.4M | CNY 5.9B |
| FY2023 | CNY 126.3M | CNY 4.8B |
| FY2022 | CNY 577.5M | CNY 3.6B |
| FY2021 | CNY 1.7B | CNY 3.6B |
| FY2020 | CNY 3.7B | CNY 2.2B |
| FY2019 | CNY 8.8B | CNY 3.1B |
| FY2018 | CNY 7.7B | CNY 3.5B |
| FY2017 | CNY 4.8B | CNY 1.8B |
| FY2016 | CNY 1.4B | CNY 230.3M |
Net income by year
Bottom line
| Fiscal year | HTT | XYF |
|---|---|---|
| FY2025 | CNY 708.6M | CNY 1.5B |
| FY2024 | CNY 91.7M | CNY 1.5B |
| FY2023 | CNY 39.1M | CNY 1.2B |
| FY2022 | CNY -362.0M | CNY 812.0M |
| FY2021 | CNY 589.1M | CNY 825.4M |
| FY2020 | CNY 958.8M | CNY -1.3B |
| FY2019 | CNY 3.3B | CNY 774.3M |
| FY2018 | CNY 2.5B | CNY 883.1M |
| FY2017 | CNY 2.2B | CNY 340.3M |
| FY2016 | CNY 576.7M | CNY -119.6M |