HTT vs XYF
High Templar Tech Ltd. and X Financial, side by side — 10 fiscal years reported in CNY, drawn from SEC filings.
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 | · | 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.
The stronger figure of the pair is set in bold. That is arithmetic, not a recommendation — this page does not pick a winner. "·" marks a figure not available in our data.
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 |
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 |
10 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2025 | −CNY 7,598,460,805 | XYF |
| FY2024 | −CNY 5,655,353,372 | XYF |
| FY2023 | −CNY 4,688,545,677 | XYF |
| FY2022 | −CNY 2,985,456,751 | XYF |
| FY2021 | −CNY 1,972,422,565 | XYF |
| FY2020 | +CNY 1,495,016,429 | HTT |
| FY2019 | +CNY 5,751,993,547 | HTT |
| FY2018 | +CNY 4,151,742,260 | HTT |
| FY2017 | +CNY 2,988,430,859 | HTT |
| FY2016 | +CNY 1,212,540,654 | HTT |
The higher-revenue side has changed between HTT and XYF over this period. The gap has widened since the earliest year compared.
10 of 11 comparable fiscal years — a year missing data on either side is not counted.
9 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2024 | +16.2 pp | HTT |
| FY2023 | +6.3 pp | HTT |
| FY2022 | −85.5 pp | XYF |
| FY2021 | +12.7 pp | HTT |
| FY2020 | +85.7 pp | HTT |
| FY2019 | +11.8 pp | HTT |
| FY2018 | +7.4 pp | HTT |
| FY2017 | +26.3 pp | HTT |
| FY2016 | +92.1 pp | HTT |
The higher net margin has changed hands between HTT and XYF over this period.
9 of 11 comparable fiscal years — a year missing data on either side is not counted.
Standard deviation, each side
XYF's net margin has been more volatile than HTT's over the 9 comparable fiscal years — 33.2 percentage points of standard deviation against 31.6.
9 of 11 comparable fiscal years — a year missing data on either side is not counted.
Year by year
The lead in net margin changed hands between HTT and XYF over these 9 fiscal years — HTT led in 8 and XYF in 1.
9 of 11 comparable fiscal years — a year missing data on either side is not counted.
Standard deviation, each side
XYF's return on equity has been more volatile than HTT's over the 8 comparable fiscal years — 19.7 percentage points of standard deviation against 10.8.
8 of 10 comparable fiscal years — a year missing data on either side is not counted.
Year by year
The lead in return on equity changed hands between HTT and XYF over these 8 fiscal years — HTT led in 2 and XYF in 6.
8 of 10 comparable fiscal years — a year missing data on either side is not counted.