{"id":1023,"date":"2026-10-14T01:16:00","date_gmt":"2026-10-14T01:16:00","guid":{"rendered":"https:\/\/freestatisticaltools.com\/blog\/?p=1023"},"modified":"2026-10-14T01:16:00","modified_gmt":"2026-10-14T01:16:00","slug":"discriminant-validity-htmt-fornell-larcker","status":"publish","type":"post","link":"https:\/\/freestatisticaltools.com\/blog\/discriminant-validity-htmt-fornell-larcker\/","title":{"rendered":"Discriminant Validity: HTMT vs Fornell-Larcker (and What Thresholds to Use)"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Discriminant validity<\/strong> asks a simple question: are your constructs really different from one another? If &quot;job satisfaction&quot; and &quot;organizational commitment&quot; correlate at .92 in your data, respondents may not be able to tell them apart, and any path between them in a structural model is hard to interpret.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Reviewers of survey-based papers almost always ask for evidence of discriminant validity. This guide explains the two main approaches, the <strong>Fornell-Larcker criterion<\/strong> and the <strong>heterotrait-monotrait ratio (HTMT)<\/strong>, the thresholds to use, and what to do when a pair of constructs fails.<\/p>\n\n\n<div class=\"fst-tool\"><span class=\"ico\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><path d=\"M12 3 4 6v6c0 5 3.5 8 8 9 4.5-1 8-4 8-9V6z\"\/><path d=\"m9 12 2 2 4-4\"\/><\/svg><\/span><span><span class=\"t-eyebrow\">Free tool \u00b7 runs in your browser<\/span><a class=\"t-name\" href=\"https:\/\/freestatisticaltools.com\/htmt-calculator\/\" style=\"text-decoration:none;color:inherit\">HTMT Calculator for Discriminant Validity<\/a><span class=\"t-desc\">Free HTMT calculator: heterotrait\u2013monotrait ratio for every pair of constructs, with Fornell\u2013Larcker, AVE, MSV and composite reliability from your item data.<\/span><\/span><a class=\"btn accent\" href=\"https:\/\/freestatisticaltools.com\/htmt-calculator\/\" data-tool=\"htmt-calculator\">Calculate HTMT \u2192<\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Where discriminant validity fits<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Discriminant validity is the last step of evaluating a <strong>measurement model<\/strong> (in CFA, CB-SEM or PLS-SEM). The usual order is:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Indicator reliability:<\/strong> standardized loadings, ideally \u2265 .70.<\/li>\n\n<li><strong>Internal consistency reliability:<\/strong> Cronbach&#39;s alpha and composite reliability (CR) \u2265 .70. See our <a href=\"\/blog\/cronbachs-alpha\/\">Cronbach&#39;s alpha guide<\/a>.<\/li>\n\n<li><strong>Convergent validity:<\/strong> average variance extracted (AVE) \u2265 .50, meaning the construct explains at least half the variance of its items.<\/li>\n\n<li><strong>Discriminant validity:<\/strong> each construct is empirically distinct from the others.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">Method 1: The Fornell-Larcker criterion<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Fornell and Larcker (1981) proposed that a construct should share more variance with its own items than with any other construct. In practice:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><p>The square root of each construct&#39;s AVE should be greater than its correlations with every other construct.<\/p><\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">You build a table with \u221aAVE on the diagonal and the construct correlations below it.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th><\/th><th>SAT<\/th><th>COM<\/th><th>TI<\/th><\/tr><\/thead><tbody><tr><td>Satisfaction (SAT)<\/td><td><strong>0.81<\/strong><\/td><td><\/td><td><\/td><\/tr><tr><td>Commitment (COM)<\/td><td>0.62<\/td><td><strong>0.78<\/strong><\/td><td><\/td><\/tr><tr><td>Turnover intention (TI)<\/td><td>\u22120.48<\/td><td>\u22120.55<\/td><td><strong>0.84<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Each diagonal value is larger than the correlations in its row and column, so the criterion is met.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A closely related check from Hair et al. compares AVE with the <strong>maximum shared variance (MSV)<\/strong>, the largest squared correlation with any other construct. Discriminant validity is supported when AVE &gt; MSV.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">The problem with Fornell-Larcker<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Simulation studies (Henseler, Ringle &amp; Sarstedt, 2015) showed that the Fornell-Larcker criterion often <strong>fails to detect<\/strong> discriminant validity problems, especially when loadings are similar across items, which is common with well-designed scales. That is why HTMT is now the recommended primary test, with Fornell-Larcker reported as a supplement.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Method 2: The HTMT ratio<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The <strong>heterotrait-monotrait ratio<\/strong> compares:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>the average correlation between items of <strong>different<\/strong> constructs (heterotrait\u2013heteromethod correlations), with<\/li>\n\n<li>the average correlation between items of the <strong>same<\/strong> construct (monotrait\u2013heteromethod correlations).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><code>HTMT(i, j) = mean between-construct item correlation \u00f7 \u221a(mean within-construct correlation of i \u00d7 mean within-construct correlation of j)<\/code><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">HTMT estimates what the correlation between two constructs would be if they were measured perfectly. Values close to 1 mean the constructs are not distinct.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">HTMT thresholds<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Criterion<\/th><th>Rule<\/th><th>When to use<\/th><\/tr><\/thead><tbody><tr><td>HTMT.85<\/td><td>HTMT &lt; 0.85<\/td><td>Conceptually distinct constructs (conservative)<\/td><\/tr><tr><td>HTMT.90<\/td><td>HTMT &lt; 0.90<\/td><td>Conceptually similar constructs (e.g. different facets of satisfaction)<\/td><\/tr><tr><td>HTMT inference<\/td><td>Upper bound of the bootstrap CI &lt; 1<\/td><td>Formal test; least strict<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Example HTMT matrix:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th><\/th><th>SAT<\/th><th>COM<\/th><th>TI<\/th><\/tr><\/thead><tbody><tr><td>Satisfaction (SAT)<\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td>Commitment (COM)<\/td><td>0.71<\/td><td><\/td><td><\/td><\/tr><tr><td>Turnover intention (TI)<\/td><td>0.54<\/td><td>0.63<\/td><td><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">All values are below 0.85, so discriminant validity is established.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How to calculate HTMT and Fornell-Larcker for free<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"\/htmt-calculator\/\">HTMT calculator<\/a>: paste your item-level data, define which items belong to which construct, and get the full HTMT matrix together with Fornell-Larcker, AVE, MSV and CR.<\/li>\n\n<li><a href=\"\/composite-reliability-ave-calculator\/\">Composite reliability and AVE calculator<\/a>: if you already have standardized loadings from your SEM software.<\/li>\n\n<li><a href=\"\/reliability-and-validity-analysis\/\">Reliability and validity analysis<\/a>: alpha, omega, CR, AVE, HTMT and Fornell-Larcker for every construct in one table.<\/li>\n\n<li>Inside a full model: <a href=\"\/cb-sem\/app\/\">CB-SEM Studio<\/a> and <a href=\"\/pls-sem\/app\/\">PLS-SEM Studio<\/a> report all of these as part of the measurement model.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">What to do if discriminant validity fails<\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Check the theory first.<\/strong> Are the two constructs really different concepts, or two labels for the same thing? Sometimes merging them is the honest answer.<\/li>\n\n<li><strong>Look for cross-loading items.<\/strong> An item that loads strongly on both constructs blurs the line between them. Inspect the cross-loadings or modification indices, and consider dropping the item if theory supports it.<\/li>\n\n<li><strong>Look at item wording.<\/strong> Items with near-identical wording across scales inflate the correlation.<\/li>\n\n<li><strong>Consider common method bias.<\/strong> If everything was measured in a single self-report survey, correlations can be inflated across the board. Run <a href=\"\/harmans-single-factor-test\/\">Harman&#39;s single-factor test<\/a> as a first check, and report it.<\/li>\n\n<li><strong>Use HTMT.90<\/strong> if the constructs are conceptually close, and say so explicitly.<\/li>\n\n<li><strong>Report it honestly.<\/strong> If a pair exceeds the threshold and you keep both constructs, justify why and discuss it as a limitation.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">How to report discriminant validity<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Include both tables (Fornell-Larcker and HTMT) and one or two sentences such as:<\/p>\n\n\n\n<div class=\"fst-report\"><b>Example write-up<button type=\"button\" data-copy-report>Copy<\/button><\/b><div><p>Discriminant validity was assessed with the Fornell-Larcker criterion and the heterotrait-monotrait ratio (HTMT). The square root of each construct&#39;s AVE exceeded its correlations with all other constructs, and all HTMT values were below the conservative threshold of 0.85 (highest HTMT = 0.71, between satisfaction and commitment). Discriminant validity was therefore established (Fornell &amp; Larcker, 1981; Henseler et al., 2015).<\/p><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">References to cite<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Fornell, C., &amp; Larcker, D. F. (1981). Evaluating structural equation models with unobservable variables and measurement error. <em>Journal of Marketing Research, 18<\/em>(1), 39\u201350.<\/li>\n\n<li>Henseler, J., Ringle, C. M., &amp; Sarstedt, M. (2015). A new criterion for assessing discriminant validity in variance-based structural equation modeling. <em>Journal of the Academy of Marketing Science, 43<\/em>(1), 115\u2013135.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Frequently asked questions<\/h2>\n\n\n\n<div class=\"fst-faq\"><details><summary>What is the HTMT threshold for discriminant validity?<\/summary><div class=\"a\"><p>Use 0.85 for conceptually distinct constructs and 0.90 for conceptually similar ones. A more lenient test checks that the upper bound of the bootstrapped HTMT confidence interval is below 1.<\/p><\/div><\/details><details><summary>Is the Fornell-Larcker criterion still accepted?<\/summary><div class=\"a\"><p>It is still reported, but research has shown it often misses discriminant validity problems. Report HTMT as your main criterion and Fornell-Larcker as supporting evidence.<\/p><\/div><\/details><details><summary>What is the difference between convergent and discriminant validity?<\/summary><div class=\"a\"><p>Convergent validity shows that items of the same construct agree with each other (AVE \u2265 .50). Discriminant validity shows that different constructs are distinct from each other (for example HTMT &lt; .85).<\/p><\/div><\/details><details><summary>Can I use HTMT in CB-SEM as well as PLS-SEM?<\/summary><div class=\"a\"><p>Yes. HTMT is computed from item correlations, so it works with any measurement model: CFA, CB-SEM or PLS-SEM.<\/p><\/div><\/details><\/div>\n\n\n<div class=\"fst-report\"><b>Cite the tool (APA 7)<button type=\"button\" data-copy-report>Copy<\/button><\/b><div>Xavier, B. (2026). <i>Free Statistical Tools<\/i> [Computer software]. Zenodo. https:\/\/doi.org\/10.5281\/zenodo.23372149 (web app: https:\/\/freestatisticaltools.com\/htmt-calculator\/)<\/div><small>Name the tool in your methods: \u201cThe analysis was carried out with the HTMT Calculator for Discriminant Validity in Free Statistical Tools.\u201d<\/small><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Learn how to test discriminant validity with HTMT and Fornell-Larcker, which cut-offs reviewers expect, what to do when constructs overlap, and how to report it in a thesis or paper.<\/p>\n","protected":false},"author":1,"featured_media":1024,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_fst_seo_title":"Discriminant Validity: HTMT vs Fornell-Larcker Criterion","_fst_meta_desc":"How to assess discriminant validity with the HTMT ratio and the Fornell-Larcker criterion, which thresholds to use, how to fix problems and how to report it.","_fst_primary_tool":"htmt-calculator","_fst_canonical":"","_fst_noindex":false,"_fst_no_toc":false,"_fst_no_autolink":false,"footnotes":""},"categories":[6],"tags":[32,31,33,29,30],"class_list":["post-1023","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-reliability-analysis","tag-ave","tag-htmt","tag-sem","tag-survey-research","tag-validity"],"_links":{"self":[{"href":"https:\/\/freestatisticaltools.com\/blog\/wp-json\/wp\/v2\/posts\/1023","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/freestatisticaltools.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/freestatisticaltools.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/freestatisticaltools.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/freestatisticaltools.com\/blog\/wp-json\/wp\/v2\/comments?post=1023"}],"version-history":[{"count":0,"href":"https:\/\/freestatisticaltools.com\/blog\/wp-json\/wp\/v2\/posts\/1023\/revisions"}],"wp:attachment":[{"href":"https:\/\/freestatisticaltools.com\/blog\/wp-json\/wp\/v2\/media?parent=1023"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/freestatisticaltools.com\/blog\/wp-json\/wp\/v2\/categories?post=1023"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/freestatisticaltools.com\/blog\/wp-json\/wp\/v2\/tags?post=1023"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}