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QUDIAN INC-SPON ADR (QD) Stock Fundamental Analysis

USA - NYSE:QD - US7477981069 - ADR

4.12 USD
-0.03 (-0.72%)
Last: 9/17/2025, 7:57:16 PM
4.12 USD
0 (0%)
After Hours: 9/17/2025, 7:57:16 PM
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to QD. QD was compared to 54 industry peers in the Consumer Finance industry. While QD has a great health rating, there are worries on its profitability. QD has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year QD was profitable.
In the past year QD has reported a negative cash flow from operations.
Of the past 5 years QD 4 years were profitable.
QD had a positive operating cash flow in 4 of the past 5 years.
QD Yearly Net Income VS EBIT VS OCF VS FCFQD Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B 4B 5B

1.2 Ratios

QD has a better Return On Assets (4.14%) than 68.52% of its industry peers.
With a Return On Equity value of 4.56%, QD is not doing good in the industry: 66.67% of the companies in the same industry are doing better.
Industry RankSector 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
QD Yearly ROA, ROE, ROICQD Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 20 30

1.3 Margins

QD has a Profit Margin of 386.30%. This is amongst the best in the industry. QD outperforms 98.15% of its industry peers.
In the last couple of years the Profit Margin of QD has grown nicely.
Looking at the Gross Margin, with a value of 7.76%, QD is doing worse than 66.67% of the companies in the same industry.
In the last couple of years the Gross Margin of QD has declined.
Industry RankSector 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%
QD Yearly Profit, Operating, Gross MarginsQD Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -100 -200

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9

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
Compared to 5 years ago, QD has less shares outstanding
The debt/assets ratio for QD is higher compared to a year ago.
QD Yearly Shares OutstandingQD Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M
QD Yearly Total Debt VS Total AssetsQD Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.2 Solvency

QD has an Altman-Z score of 4.30. This indicates that QD is financially healthy and has little risk of bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 4.30, QD belongs to the top of the industry, outperforming 92.59% of the companies in the same industry.
There is no outstanding debt for QD. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z 4.3
ROIC/WACCN/A
WACC9.57%
QD Yearly LT Debt VS Equity VS FCFQD Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B 8B 10B

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 92.59% of its industry peers.
A Quick Ratio of 9.13 indicates that QD has no problem at all paying its short term obligations.
QD has a Quick ratio of 9.13. This is amongst the best in the industry. QD outperforms 92.59% of its industry peers.
Industry RankSector Rank
Current Ratio 9.13
Quick Ratio 9.13
QD Yearly Current Assets VS Current LiabilitesQD Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

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1

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 344.58% over the past year.
QD shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -46.22% yearly.
Looking at the last year, QD shows a very negative growth in Revenue. The Revenue has decreased by -32.60% in the last year.
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.
QD Yearly Revenue VS EstimatesQD Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B
QD Yearly EPS VS EstimatesQD Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 0 2 4 6 8 10

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2

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 9.36 indicates a reasonable valuation of QD.
64.81% of the companies in the same industry are more expensive than QD, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of QD to the average of the S&P500 Index (27.20), we can say QD is valued rather cheaply.
Industry RankSector Rank
PE 9.36
Fwd PE N/A
QD Price Earnings VS Forward Price EarningsQD Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
QD Per share dataQD EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for QD!.
Industry RankSector Rank
Dividend Yield N/A

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QUDIAN INC-SPON ADR

NYSE:QD (9/17/2025, 7:57:16 PM)

After market: 4.12 0 (0%)

4.12

-0.03 (-0.72%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)09-05 2025-09-05
Earnings (Next)11-21 2025-11-21
Inst Owners17.54%
Inst Owner Change-11.42%
Ins Owners2.79%
Ins Owner ChangeN/A
Market Cap680.32M
Analysts40
Price TargetN/A
Short Float %0.48%
Short Ratio0.81
Dividend
Industry RankSector 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 RankSector Rank
PE 9.36
Fwd PE N/A
P/S 35.45
P/FCF N/A
P/OCF N/A
P/B 0.42
P/tB 0.42
EV/EBITDA N/A
EPS(TTM)0.44
EY10.68%
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
Profitability
Industry RankSector 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
ROICexcg growth 3YN/A
ROICexcg 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 RankSector 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 4.3
F-Score4
WACC9.57%
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