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WEIDAI LTD-ADR (WEI) Stock Fundamental Analysis

NYSE:WEI - US94861A2078 - ADR

0.96
+0.03 (+3.23%)
Last: 5/16/2022, 8:04:00 PM
Fundamental Rating

2

WEI gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 54 industry peers in the Consumer Finance industry. The financial health of WEI is average, but there are quite some concerns on its profitability. WEI does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

In the past year WEI has reported negative net income.
WEI Yearly Net Income VS EBIT VS OCF VS FCFWEI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 0 1B -1B 2B

1.2 Ratios

Industry RankSector Rank
ROA -95.08%
ROE N/A
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
WEI Yearly ROA, ROE, ROICWEI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 0 -100 -200

1.3 Margins

Industry RankSector Rank
OM -104.27%
PM (TTM) -160.42%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
WEI Yearly Profit, Operating, Gross MarginsWEI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 0 50 -50 -100 -150

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5

2. Health

2.1 Basic Checks

WEI has about the same amout of shares outstanding than it did 1 year ago.
Compared to 1 year ago, WEI has an improved debt to assets ratio.
WEI Yearly Shares OutstandingWEI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 20M 40M 60M
WEI Yearly Total Debt VS Total AssetsWEI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2B 4B 6B

2.2 Solvency

WEI has an Altman-Z score of -1.66. This is a bad value and indicates that WEI is not financially healthy and even has some risk of bankruptcy.
There is no outstanding debt for WEI. 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 -1.66
ROIC/WACCN/A
WACCN/A
WEI Yearly LT Debt VS Equity VS FCFWEI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 0 1B -1B 2B

2.3 Liquidity

WEI has a Current Ratio of 1.51. This is a normal value and indicates that WEI is financially healthy and should not expect problems in meeting its short term obligations.
A Quick Ratio of 1.51 indicates that WEI should not have too much problems paying its short term obligations.
Industry RankSector Rank
Current Ratio 1.51
Quick Ratio 1.51
WEI Yearly Current Assets VS Current LiabilitesWEI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 1B 2B 3B 4B 5B

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3. Growth

3.1 Past

The earnings per share for WEI have decreased strongly by -60.16% in the last year.
Looking at the last year, WEI shows a very negative growth in Revenue. The Revenue has decreased by -54.47% in the last year.
WEI shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -16.68% yearly.
EPS 1Y (TTM)-60.16%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-226.48%
Revenue 1Y (TTM)-54.47%
Revenue growth 3Y-44.19%
Revenue growth 5Y-16.68%
Sales Q2Q%-73.99%

3.2 Future

Based on estimates for the next years, WEI will show a very negative growth in Earnings Per Share. The EPS will decrease by -28.88% on average per year.
WEI is expected to show a very negative growth in Revenue. In the coming years, the Revenue will decrease by -28.05% yearly.
EPS Next Y-79.78%
EPS Next 2Y-55.03%
EPS Next 3Y-28.88%
EPS Next 5YN/A
Revenue Next Year-32.99%
Revenue Next 2Y-32.49%
Revenue Next 3Y-28.05%
Revenue Next 5YN/A

3.3 Evolution

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
WEI Yearly Revenue VS EstimatesWEI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 1B 2B 3B 4B
WEI Yearly EPS VS EstimatesWEI Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 10 20 30

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2

4. Valuation

4.1 Price/Earnings Ratio

WEI reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
A Price/Forward Earnings ratio of 2.01 indicates a rather cheap valuation of WEI.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.76, WEI is valued rather cheaply.
Industry RankSector Rank
PE N/A
Fwd PE 2.01
WEI Price Earnings VS Forward Price EarningsWEI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA -0.09
WEI Per share dataWEI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 -1 -2

4.3 Compensation for Growth

A cheap valuation may be justified as WEI's earnings are expected to decrease with -28.88% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-55.03%
EPS Next 3Y-28.88%

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0

5. Dividend

5.1 Amount

No dividends for WEI!.
Industry RankSector Rank
Dividend Yield N/A

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WEIDAI LTD-ADR

NYSE:WEI (5/16/2022, 8:04:00 PM)

0.96

+0.03 (+3.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners0.09%
Inst Owner Change-15.44%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap67.64M
Analysts42.5
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr YearsN/A
Div Non Decr YearsN/A
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)N/A
PT rev (3m)N/A
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 N/A
Fwd PE 2.01
P/S 0.64
P/FCF N/A
P/OCF N/A
P/B 1.04
P/tB N/A
EV/EBITDA -0.09
EPS(TTM)-2.42
EYN/A
EPS(NY)0.48
Fwd EY49.71%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS1.51
BVpS0.92
TBVpSN/A
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -95.08%
ROE N/A
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM -104.27%
PM (TTM) -160.42%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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 3Y0%
ROICexcg growth 5Y0%
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.59
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 1.51
Quick Ratio 1.51
Altman-Z -1.66
F-Score3
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-60.16%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-226.48%
EPS Next Y-79.78%
EPS Next 2Y-55.03%
EPS Next 3Y-28.88%
EPS Next 5YN/A
Revenue 1Y (TTM)-54.47%
Revenue growth 3Y-44.19%
Revenue growth 5Y-16.68%
Sales Q2Q%-73.99%
Revenue Next Year-32.99%
Revenue Next 2Y-32.49%
Revenue Next 3Y-28.05%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A