QUDIAN INC-SPON ADR (QD)
US7477981069 - ADR
We assign a fundamental rating of 4 out of 10 to QD. QD was compared to 51 industry peers in the Consumer Finance industry. QD is in great health and has no worries on liquidiy or solvency at all, but the profibility rating is only average. QD has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
QD had positive earnings in the past year.
Of the past 5 years QD 4 years were profitable.
Of the past 5 years QD 4 years had a positive operating cash flow.
1.2 Ratios
The Return On Assets of QD (5.11%) is better than 86.27% of its industry peers.
With a Return On Equity value of 5.41%, QD perfoms like the industry average, outperforming 45.10% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.11% | ||
| ROE | 5.41% | ||
| ROIC | N/A |
ROA(3y)0.55%
ROA(5y)5.32%
ROE(3y)0.68%
ROE(5y)7.49%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With an excellent Profit Margin value of 290.28%, QD belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
In the last couple of years the Profit Margin of QD has remained more or less at the same level.
Looking at the Gross Margin, with a value of 30.18%, QD is in line with its industry, outperforming 43.14% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 290.28% | ||
| GM | 30.18% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y6.01%
PM growth 5Y-0.89%
GM growth 3YN/A
GM growth 5YN/A
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
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.
2.2 Solvency
QD has an Altman-Z score of 5.30. This indicates that QD is financially healthy and has little risk of bankruptcy at the moment.
The Altman-Z score of QD (5.30) is better than 94.12% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 5.3 |
ROIC/WACCN/A
WACC6.75%
2.3 Liquidity
A Current Ratio of 15.99 indicates that QD has no problem at all paying its short term obligations.
Looking at the Current ratio, with a value of 15.99, QD belongs to the top of the industry, outperforming 98.04% of the companies in the same industry.
QD has a Quick Ratio of 15.99. This indicates that QD is financially healthy and has no problem in meeting its short term obligations.
QD has a Quick ratio of 15.99. This is amongst the best in the industry. QD outperforms 98.04% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 15.99 | ||
| Quick Ratio | 15.99 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 171.91% over the past year.
The earnings per share for QD have been decreasing by -53.00% on average. This is quite bad
The Revenue for QD has decreased by -72.04% in the past year. This is quite bad
The Revenue for QD have been decreasing by -56.04% on average. This is quite bad
EPS 1Y (TTM)171.91%
EPS 3Y-62.98%
EPS 5Y-53%
EPS growth Q2Q68.02%
Revenue 1Y (TTM)-72.04%
Revenue growth 3Y-67.52%
Revenue growth 5Y-56.04%
Revenue growth Q2Q-73.14%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 7.44, which indicates a rather cheap valuation of QD.
Based on the Price/Earnings ratio, QD is valued a bit cheaper than 68.63% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 25.25. QD is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.44 | ||
| 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
5. Dividend
5.1 Amount
QD does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
QUDIAN INC-SPON ADR
NYSE:QD (4/25/2024, 1:00:29 PM)
2.455
0 (-0.2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap552.13M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.44 | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.11% | ||
| ROE | 5.41% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 290.28% | ||
| GM | 30.18% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 15.99 | ||
| Quick Ratio | 15.99 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)171.91%
EPS 3Y-62.98%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-72.04%
Revenue growth 3Y-67.52%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y