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 | ¥41.0M | ¥7.6B |
| Net income | ¥708.6M | ¥1.5B |
| Gross margin | 81.1% | 73.6% |
| Net margin | 1729.9% | 19.2% |
| Return on equity | 6.2% | 19.8% |
| Diluted EPS | — | ¥5.87 |
| Dividend / share | — | ¥0.09 |
| Payout ratio | — | 10.6% |
| Free cash flow | ¥570.4M | ¥1.4B |
| Equity | ¥11.6B | ¥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.
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Revenue by year
10 years side by side
| Fiscal year | HTT | XYF |
|---|---|---|
| FY2025 | ¥41.0M | ¥7.6B |
| FY2024 | ¥216.4M | ¥5.9B |
| FY2023 | ¥126.3M | ¥4.8B |
| FY2022 | ¥577.5M | ¥3.6B |
| FY2021 | ¥1.7B | ¥3.6B |
| FY2020 | ¥3.7B | ¥2.2B |
| FY2019 | ¥8.8B | ¥3.1B |
| FY2018 | ¥7.7B | ¥3.5B |
| FY2017 | ¥4.8B | ¥1.8B |
| FY2016 | ¥1.4B | ¥230.3M |
Net income by year
Bottom line
| Fiscal year | HTT | XYF |
|---|---|---|
| FY2025 | ¥708.6M | ¥1.5B |
| FY2024 | ¥91.7M | ¥1.5B |
| FY2023 | ¥39.1M | ¥1.2B |
| FY2022 | ¥-362.0M | ¥812.0M |
| FY2021 | ¥589.1M | ¥825.4M |
| FY2020 | ¥958.8M | ¥-1.3B |
| FY2019 | ¥3.3B | ¥774.3M |
| FY2018 | ¥2.5B | ¥883.1M |
| FY2017 | ¥2.2B | ¥340.3M |
| FY2016 | ¥576.7M | ¥-119.6M |
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