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QUDIAN INC-SPON ADR (QD) Stock Fundamental Analysis

NYSE:QD - New York Stock Exchange, Inc. - US7477981069 - ADR - Currency: USD

2.96  0 (0%)

Fundamental Rating

4

QD gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 52 industry peers in the Consumer Finance industry. No worries on liquidiy or solvency for QD as it has an excellent financial health rating, but there are worries on the profitability. QD is valued expensive and it does not seem to be growing.


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.
QD had positive earnings in 4 of the past 5 years.
Of the past 5 years QD 4 years had a positive operating cash flow.
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's Return On Assets of 0.74% is on the low side compared to the rest of the industry. QD is outperformed by 61.54% of its industry peers.
QD has a Return On Equity of 0.81%. This is in the lower half of the industry: QD underperforms 73.08% of its industry peers.
Industry RankSector Rank
ROA 0.74%
ROE 0.81%
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

The Profit Margin of QD (42.38%) is better than 98.08% of its industry peers.
QD's Profit Margin has improved in the last couple of years.
Looking at the Gross Margin, with a value of 7.12%, QD is doing worse than 65.38% 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) 42.38%
GM 7.12%
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.
QD has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, QD has less shares outstanding
QD has a worse debt/assets ratio than last year.
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

An Altman-Z score of 3.58 indicates that QD is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 3.58, QD belongs to the top of the industry, outperforming 88.46% 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 3.58
ROIC/WACCN/A
WACC7.47%
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

A Current Ratio of 9.02 indicates that QD has no problem at all paying its short term obligations.
QD's Current ratio of 9.02 is amongst the best of the industry. QD outperforms 94.23% of its industry peers.
QD has a Quick Ratio of 9.02. This indicates that QD is financially healthy and has no problem in meeting its short term obligations.
QD's Quick ratio of 9.02 is amongst the best of the industry. QD outperforms 94.23% of its industry peers.
Industry RankSector Rank
Current Ratio 9.02
Quick Ratio 9.02
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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2

3. Growth

3.1 Past

QD shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 738.34%, which is quite impressive.
QD shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -46.22% yearly.
The Revenue has grown by 71.31% in the past year. This is a very strong growth!
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)738.34%
EPS 3Y-39.54%
EPS 5Y-46.22%
EPS Q2Q%33.01%
Revenue 1Y (TTM)71.31%
Revenue growth 3Y-49.23%
Revenue growth 5Y-52.38%
Sales Q2Q%-18.12%

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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0

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 42.29 indicates a quite expensive valuation of QD.
QD's Price/Earnings ratio is a bit more expensive when compared to the industry. QD is more expensive than 76.92% of the companies in the same industry.
QD is valuated expensively when we compare the Price/Earnings ratio to 26.25, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 42.29
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

QD does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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QUDIAN INC-SPON ADR

NYSE:QD (5/30/2025, 8:04:00 PM)

2.96

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-20 2025-03-20/amc
Earnings (Next)06-12 2025-06-12
Inst Owners14.49%
Inst Owner Change-1.38%
Ins Owners2.25%
Ins Owner ChangeN/A
Market Cap488.77M
Analysts40
Price TargetN/A
Short Float %1.45%
Short Ratio2.5
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 42.29
Fwd PE N/A
P/S 16.25
P/FCF N/A
P/OCF N/A
P/B 0.31
P/tB 0.31
EV/EBITDA N/A
EPS(TTM)0.07
EY2.36%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.36
FCFYN/A
OCF(TTM)-0.09
OCFYN/A
SpS0.18
BVpS9.5
TBVpS9.5
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.74%
ROE 0.81%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 42.38%
GM 7.12%
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-Score6
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 573.33%
Cap/Sales 146.93%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 9.02
Quick Ratio 9.02
Altman-Z 3.58
F-Score6
WACC7.47%
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)738.34%
EPS 3Y-39.54%
EPS 5Y-46.22%
EPS Q2Q%33.01%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)71.31%
Revenue growth 3Y-49.23%
Revenue growth 5Y-52.38%
Sales Q2Q%-18.12%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y5.73%
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