High Templar Tech (HTT) vs Upstart (UPST)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
High Templar Tech (HTT) has outperformed Upstart (UPST) over the past year, losing 51.2% versus a loss of 53.3%. Over five years, HTT leads with a +43.6% price change compared with -93.8% for UPST. Upstart is the larger company by market cap ($2.35 billion vs $352.5 million), about 6.7 times the size.
On valuation, High Templar Tech trades at a lower trailing P/E (3.8x vs 48.2x for Upstart).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | HTT | UPST |
|---|---|---|
| Share price | $2.27 | $24.10 |
| Market cap | $352.49M | $2.35B |
| 1-day change | +1.34% | -0.37% |
| YTD return | -36.06% | -44.68% |
| 1-year return | -51.18% | -53.27% |
| 5-year return | +43.59% | -93.80% |
| P/E ratio (TTM) | 3.85 | 48.20 |
| Forward P/E | — | 6.93 |
| EPS (TTM) | $0.59 | $0.50 |
| Dividend yield | 0.00% | 0.00% |
| Annual dividend | $0.00 | $0.00 |
| Revenue (latest FY) | — | $1.04B |
| Revenue growth (YoY) | — | +63.99% |
| Net income (latest FY) | — | $53.60M |
| Operating margin | — | 4.08% |
| Net margin | — | 5.13% |
| 52-week high | $5.05 | $55.22 |
| 52-week low | $1.88 | $22.56 |
| Distance from 52-week high | -55.05% | -56.36% |
| Analyst consensus | — | buy |
| Avg. price target upside | — | +65.98% |
| Average volume | 111.97K | 4.30M |
| Shares outstanding | 91.79M | 97.31M |
| Employees | 101 | 1,405 |
| Sector | Finance | Finance |
| Industry | Finance: Consumer Services | Finance: Consumer Services |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- Upstart is about 6.7 times larger than High Templar Tech by market value ($2.35B vs $352.49M).
- Upstart trades at a higher earnings multiple (48.2x vs 3.8x trailing P/E).
About High Templar Tech
HTT stock →High Templar Tech Limited operates as a consumer-oriented financial technology service company in the People's Republic of China. The company provides aircraft leasing services; technology development and services; and research and development services.
Finance · Finance: Consumer Services · 101 employees
About Upstart
UPST stock →Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company operates through three segments: Personal Lending, Auto Lending, and Other.
Finance · Finance: Consumer Services · 1,405 employees
HTT vs UPST FAQ
Which is bigger, High Templar Tech or Upstart?
Upstart (UPST) is larger, with a market capitalization of $2.35B compared with $352.49M for High Templar Tech (HTT).
Which stock has performed better over the past year, HTT or UPST?
HTT returned -51.18% over the past 12 months, compared with -53.27% for UPST (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, HTT or UPST?
HTT has the lower trailing P/E at 3.8, versus 48.2 for UPST. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Are High Templar Tech and Upstart in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.