QUDIAN INC-SPON ADR (QD) Stock Fundamental Analysis
USA - NYSE:QD - US7477981069 - ADR
4.75 USD
-0.01 (-0.21%)
We assign a fundamental rating of 4 out of 10 to QD. QD was compared to 55 industry peers in the Consumer Finance industry. While QD has a great health rating, there are worries on its profitability. QD does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
In the past year QD was profitable.
QD had a negative operating cash flow in the past year.
Of the past 5 years QD 4 years were profitable.
QD had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
QD has a Return On Assets of 4.14%. This is in the better half of the industry: QD outperforms 69.09% of its industry peers.
QD has a worse Return On Equity (4.56%) than 67.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.14% | ||
| ROE | 4.56% | ||
| ROIC | N/A |
ROA(3y)-0.6%
ROA(5y)1.91%
ROE(3y)-0.62%
ROE(5y)2.18%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
QD's Profit Margin of 386.30% is amongst the best of the industry. QD outperforms 98.18% of its industry peers.
QD's Profit Margin has improved in the last couple of years.
With a Gross Margin value of 7.76%, QD is not doing good in the industry: 65.45% of the companies in the same industry are doing better.
In the last couple of years the Gross Margin of QD has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 386.3% | ||
| GM | 7.76% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y5.97%
PM growth 5Y2.8%
GM growth 3Y-57.88%
GM growth 5Y-40.55%
2. Health
2.1 Basic Checks
QD does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, QD has less shares outstanding
QD has less shares outstanding than it did 5 years ago.
The debt/assets ratio for QD is higher compared to a year ago.
2.2 Solvency
An Altman-Z score of 4.67 indicates that QD is not in any danger for bankruptcy at the moment.
QD has a better Altman-Z score (4.67) than 94.55% of its industry peers.
QD has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 4.67 |
ROIC/WACCN/A
WACC9.05%
2.3 Liquidity
QD has a Current Ratio of 9.13. This indicates that QD is financially healthy and has no problem in meeting its short term obligations.
QD has a Current ratio of 9.13. This is amongst the best in the industry. QD outperforms 92.73% of its industry peers.
A Quick Ratio of 9.13 indicates that QD has no problem at all paying its short term obligations.
QD's Quick ratio of 9.13 is amongst the best of the industry. QD outperforms 92.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 9.13 | ||
| Quick Ratio | 9.13 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 344.58% over the past year.
Measured over the past years, QD shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -46.22% on average per year.
QD shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -32.60%.
Measured over the past years, QD shows a very negative growth in Revenue. The Revenue has been decreasing by -52.38% on average per year.
EPS 1Y (TTM)344.58%
EPS 3Y-39.54%
EPS 5Y-46.22%
EPS Q2Q%253.89%
Revenue 1Y (TTM)-32.6%
Revenue growth 3Y-49.23%
Revenue growth 5Y-52.38%
Sales Q2Q%-93.46%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
QD is valuated reasonably with a Price/Earnings ratio of 10.80.
Compared to the rest of the industry, the Price/Earnings ratio of QD is on the same level as its industry peers.
The average S&P500 Price/Earnings ratio is at 26.06. QD is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.8 | ||
| Fwd PE | N/A |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for QD!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NYSE:QD (11/7/2025, 8:10:35 PM)
4.75
-0.01 (-0.21%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners15.77%
Inst Owner Change0.99%
Ins Owners2.79%
Ins Owner ChangeN/A
Market Cap784.35M
Revenue(TTM)136.53M
Net Income(TTM)527.42M
Analysts40
Price TargetN/A
Short Float %0.35%
Short Ratio0.73
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.8 | ||
| Fwd PE | N/A | ||
| P/S | 40.91 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.48 | ||
| P/tB | 0.48 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.44
EY9.26%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.98
FCFYN/A
OCF(TTM)-0.98
OCFYN/A
SpS0.12
BVpS9.85
TBVpS9.85
PEG (NY)N/A
PEG (5Y)N/A
Graham Number9.87
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.14% | ||
| ROE | 4.56% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 386.3% | ||
| GM | 7.76% | ||
| FCFM | N/A |
ROA(3y)-0.6%
ROA(5y)1.91%
ROE(3y)-0.62%
ROE(5y)2.18%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y5.97%
PM growth 5Y2.8%
GM growth 3Y-57.88%
GM growth 5Y-40.55%
F-Score4
Asset Turnover0.01
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 9.13 | ||
| Quick Ratio | 9.13 | ||
| Altman-Z | 4.67 |
F-Score4
WACC9.05%
ROIC/WACCN/A
Cap/Depr(3y)1801.87%
Cap/Depr(5y)1950.63%
Cap/Sales(3y)213.85%
Cap/Sales(5y)135.3%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)344.58%
EPS 3Y-39.54%
EPS 5Y-46.22%
EPS Q2Q%253.89%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-32.6%
Revenue growth 3Y-49.23%
Revenue growth 5Y-52.38%
Sales Q2Q%-93.46%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y5.65%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-101.4%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-131.53%
OCF growth 3YN/A
OCF growth 5YN/A
QUDIAN INC-SPON ADR / QD FAQ
What is the fundamental rating for QD stock?
ChartMill assigns a fundamental rating of 4 / 10 to QD.
What is the valuation status of QUDIAN INC-SPON ADR (QD) stock?
ChartMill assigns a valuation rating of 2 / 10 to QUDIAN INC-SPON ADR (QD). This can be considered as Overvalued.
Can you provide the profitability details for QUDIAN INC-SPON ADR?
QUDIAN INC-SPON ADR (QD) has a profitability rating of 3 / 10.
What is the valuation of QUDIAN INC-SPON ADR based on its PE and PB ratios?
The Price/Earnings (PE) ratio for QUDIAN INC-SPON ADR (QD) is 10.8 and the Price/Book (PB) ratio is 0.48.
Can you provide the financial health for QD stock?
The financial health rating of QUDIAN INC-SPON ADR (QD) is 9 / 10.