QUDIAN INC-SPON ADR (QD) Fundamental Analysis & Valuation

NYSE:QD • US7477981069

Current stock price

3.83 USD
+0.07 (+1.86%)
Last:

This QD fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. QD Profitability Analysis

1.1 Basic Checks

  • QD had positive earnings in the past year.
  • QD had a negative operating cash flow in the past year.
  • 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.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B 4B 5B

1.2 Ratios

  • QD's Return On Assets of 4.14% is fine compared to the rest of the industry. QD outperforms 67.86% of its industry peers.
  • QD's Return On Equity of 4.56% is on the low side compared to the rest of the industry. QD is outperformed by 67.86% of its industry peers.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 20

1.3 Margins

  • QD has a better Profit Margin (386.30%) than 98.21% 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 7.76%, QD is doing worse than 64.29% of the companies in the same industry.
  • QD's Gross Margin has declined in the last couple of years.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -100 -200

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ROAROEROICOperating and Profit MarginShow most profitable peers

9

2. QD Health Analysis

2.1 Basic Checks

  • QD does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for QD has been reduced compared to 1 year ago.
  • QD has less shares outstanding than it did 5 years ago.
  • QD has a worse debt/assets ratio than last year.
QD Yearly Shares OutstandingQD Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.2 Solvency

  • An Altman-Z score of 4.08 indicates that QD is not in any danger for 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.
  • 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 4.08
ROIC/WACCN/A
WACC8.44%
QD Yearly LT Debt VS Equity VS FCFQD Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B 8B 10B

2.3 Liquidity

  • A Current Ratio of 9.13 indicates that QD has no problem at all paying its short term obligations.
  • QD has a better Current ratio (9.13) 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.
  • The Quick ratio of QD (9.13) is better than 94.64% 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

1

3. QD Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 344.58% over the past year.
  • The earnings per share for QD have been decreasing by -46.22% on average. This is quite bad
  • Looking at the last year, QD shows a very negative growth in Revenue. The Revenue has decreased by -32.60% in the last year.
  • QD shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -52.38% yearly.
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 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. QD Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 8.70, the valuation of QD can be described as reasonable.
  • Based on the Price/Earnings ratio, QD is valued a bit cheaper than the industry average as 66.07% of the companies are valued more expensively.
  • The average S&P500 Price/Earnings ratio is at 27.38. QD is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 8.7
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

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. QD Dividend Analysis

5.1 Amount

  • QD does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

QD Fundamentals: All Metrics, Ratios and Statistics

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
Earnings (Next)03-19
Inst Owners15.94%
Inst Owner Change-8.5%
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 %N/A
Short RatioN/A
Dividend
Industry RankSector 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 RankSector 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 Number9.9482 (159.74%)
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
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 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 4.08
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 Fundamental Analysis 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.


What is the profitability of QD stock?

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


Can you provide the PE and PB ratios for QD stock?

The Price/Earnings (PE) ratio for QUDIAN INC-SPON ADR (QD) is 8.7 and the Price/Book (PB) ratio is 0.38.