Logo image of QD

QUDIAN INC-SPON ADR (QD) Stock Fundamental Analysis

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

3.36  +0.1 (+3.07%)

After market: 3.36 0 (0%)

Fundamental Rating

4

Taking everything into account, QD scores 4 out of 10 in our fundamental rating. QD was compared to 53 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 does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

Quickly go to:

3

1. Profitability

1.1 Basic Checks

QD had positive earnings in the past year.
In the past year QD had a positive cash flow from operations.
Of the past 5 years QD 4 years were profitable.
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 has a Return On Assets (2.49%) which is comparable to the rest of the industry.
QD's Return On Equity of 2.78% is on the low side compared to the rest of the industry. QD is outperformed by 66.04% of its industry peers.
Industry RankSector Rank
ROA 2.49%
ROE 2.78%
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 (169.26%) is better than 100.00% of its industry peers.
In the last couple of years the Profit Margin of QD has grown nicely.
QD's Gross Margin of 9.20% is on the low side compared to the rest of the industry. QD is outperformed by 64.15% of its industry peers.
In the last couple of years the Gross Margin of QD has declined.
Industry RankSector Rank
OM N/A
PM (TTM) 169.26%
GM 9.2%
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

More info and screens

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.
QD has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, QD has a worse debt to assets ratio.
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 3.57. This indicates that QD is financially healthy and has little risk of bankruptcy at the moment.
The Altman-Z score of QD (3.57) is better than 90.57% 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 23.61
Altman-Z 3.57
ROIC/WACCN/A
WACC7.35%
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 8.15 indicates that QD has no problem at all paying its short term obligations.
The Current ratio of QD (8.15) is better than 92.45% of its industry peers.
A Quick Ratio of 8.15 indicates that QD has no problem at all paying its short term obligations.
With an excellent Quick ratio value of 8.15, QD belongs to the best of the industry, outperforming 92.45% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 8.15
Quick Ratio 8.15
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

More info and screens

2

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 181.69% 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 quite strong growth in Revenue. The Revenue has grown by 16.24% 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)181.69%
EPS 3Y-39.54%
EPS 5Y-46.22%
EPS Q2Q%330.76%
Revenue 1Y (TTM)16.24%
Revenue growth 3Y-49.23%
Revenue growth 5Y-52.38%
Sales Q2Q%-53.82%

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

More info and screens

1

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 13.44, the valuation of QD can be described as correct.
QD's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of QD to the average of the S&P500 Index (27.93), we can say QD is valued rather cheaply.
Industry RankSector Rank
PE 13.44
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of QD indicates a slightly more expensive valuation: QD is more expensive than 67.92% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 130.41
EV/EBITDA N/A
QD Per share dataQD EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 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

0

5. Dividend

5.1 Amount

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

More info and screens

QUDIAN INC-SPON ADR

NYSE:QD (7/28/2025, 8:04:00 PM)

After market: 3.36 0 (0%)

3.36

+0.1 (+3.07%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)06-12 2025-06-12
Earnings (Next)09-05 2025-09-05
Inst Owners17.63%
Inst Owner Change-0.6%
Ins Owners2.79%
Ins Owner ChangeN/A
Market Cap554.83M
Analysts40
Price TargetN/A
Short Float %0.35%
Short Ratio0.67
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 13.44
Fwd PE N/A
P/S 21.34
P/FCF 130.41
P/OCF 130.41
P/B 0.35
P/tB 0.35
EV/EBITDA N/A
EPS(TTM)0.25
EY7.44%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.03
FCFY0.77%
OCF(TTM)0.03
OCFY0.77%
SpS0.16
BVpS9.6
TBVpS9.59
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 2.49%
ROE 2.78%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 169.26%
GM 9.2%
FCFM 16.37%
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 Turnover0.01
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 23.61
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 9.67%
Current Ratio 8.15
Quick Ratio 8.15
Altman-Z 3.57
F-Score6
WACC7.35%
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)181.69%
EPS 3Y-39.54%
EPS 5Y-46.22%
EPS Q2Q%330.76%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)16.24%
Revenue growth 3Y-49.23%
Revenue growth 5Y-52.38%
Sales Q2Q%-53.82%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y20.06%
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