QD Fundamental Analysis - QUDIAN INC-SPON ADR

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to QD. QD was compared to 54 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.

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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.
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 67.86% of its industry peers.
Looking at the Return On Equity, with a value of 4.56%, QD is doing worse than 67.86% of the companies in the same industry.

		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 98.21% of its industry peers.
QD's Profit Margin has improved in the last couple of years.
QD has a Gross Margin of 7.76%. This is in the lower half of the industry: QD underperforms 64.29% of its industry peers.
QD's Gross Margin has declined in the last couple of years.

		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%

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ROA

ROE

ROIC

Operating and Profit Margin

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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.
The number of shares outstanding for QD has been reduced compared to 5 years ago.
QD has a worse debt/assets ratio than last year.

2.2 Solvency

QD has an Altman-Z score of 4.08. This indicates that QD is financially healthy and has little risk of bankruptcy at the moment.
QD has a Altman-Z score of 4.08. This is amongst the best in the industry. QD outperforms 91.07% 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	4.08

ROIC/WACCN/A

WACC8.44%

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.
The Current ratio of QD (9.13) is better than 94.64% of its industry peers.
A Quick Ratio of 9.13 indicates that QD has no problem at all paying its short term obligations.
Looking at the Quick ratio, with a value of 9.13, QD belongs to the top of the industry, outperforming 94.64% of the companies in the same industry.

		Industry Rank	Sector Rank
Current Ratio	9.13
Quick Ratio	9.13

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

QD shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 344.58%, which is quite impressive.
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.
The Revenue for QD has decreased by -32.60% in the past year. This is quite bad
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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 8.70, which indicates a very decent valuation of QD.
66.07% of the companies in the same industry are more expensive than QD, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 27.38, QD is valued rather cheaply.

		Industry Rank	Sector Rank
PE	8.7
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

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5. Dividend

5.1 Amount

QD does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	0%

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QUDIAN INC-SPON ADR

NYSE:QD (12/19/2025, 8:11:27 PM)

3.83

+0.07 (+1.86%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryConsumer Finance

Earnings (Last)11-21 2025-11-21

Earnings (Next)03-19 2026-03-19/bmo

Inst Owners15.94%

Inst Owner Change-1.3%

Ins Owners2.79%

Ins Owner ChangeN/A

Market Cap632.43M

Revenue(TTM)136.53M

Net Income(TTM)527.42M

Analysts40

Price TargetN/A

Short Float %0.51%

Short Ratio1.41

Dividend

		Industry Rank	Sector Rank
Dividend Yield	0%

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	8.7
Fwd PE	N/A
P/S	32.49
P/FCF	N/A
P/OCF	N/A
P/B	0.38
P/tB	0.38
EV/EBITDA	N/A

EPS(TTM)0.44

EY11.49%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)-1

FCFYN/A

OCF(TTM)-1

OCFYN/A

SpS0.12

BVpS10

TBVpS9.99

PEG (NY)N/A

PEG (5Y)N/A

Graham Number9.95

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	4.08

F-Score4

WACC8.44%

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 for QD stock?

ChartMill assigns a valuation rating of 2 / 10 to QUDIAN INC-SPON ADR (QD). This can be considered as Overvalued.

How profitable is QUDIAN INC-SPON ADR (QD) stock?

QUDIAN INC-SPON ADR (QD) has a profitability rating of 3 / 10.

What is the financial health of QUDIAN INC-SPON ADR (QD) stock?

The financial health rating of QUDIAN INC-SPON ADR (QD) is 9 / 10.

QUDIAN INC-SPON ADR (QD) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

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QUDIAN INC-SPON ADR / QD FAQ

What is the fundamental rating for QD stock?

What is the valuation status for QD stock?

How profitable is QUDIAN INC-SPON ADR (QD) stock?

What is the financial health of QUDIAN INC-SPON ADR (QD) stock?