WEIDAI LTD-ADR (WEI)
US94861A2078 - ADR
Overall WEI gets a fundamental rating of 2 out of 10. We evaluated WEI against 51 industry peers in the Consumer Finance industry. While WEI seems to be doing ok healthwise, there are quite some concerns on its profitability. WEI has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year WEI has reported negative net income.
In multiple years WEI reported negative net income over the last 5 years.
The reported operating cash flow has been mixed in the past 5 years: WEI reported negative operating cash flow in multiple years.
1.2 Ratios
| Industry Rank | Sector 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
1.3 Margins
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
Compared to 1 year ago, WEI has about the same amount of shares outstanding.
Compared to 1 year ago, WEI has an improved debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of -1.66, we must say that WEI is in the distress zone and 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -1.66 |
ROIC/WACCN/A
WACCN/A
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.
WEI has a Quick 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.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.51 | ||
| Quick Ratio | 1.51 |
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.
The Revenue for WEI have been decreasing by -16.68% on average. This is quite bad
EPS 1Y (TTM)-60.16%
EPS 3YN/A
EPS 5YN/A
EPS growth Q2Q-226.48%
Revenue 1Y (TTM)-54.47%
Revenue growth 3Y-44.19%
Revenue growth 5Y-16.68%
Revenue growth 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.
The Revenue is expected to decrease by -28.05% on average over the next years. This is quite bad
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for WEI. In the last year negative earnings were reported.
WEI is valuated cheaply with a Price/Forward Earnings ratio of 2.01.
When comparing the Price/Forward Earnings ratio of WEI to the average of the S&P500 Index (20.58), we can say WEI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 2.01 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | -0.09 |
4.3 Compensation for Growth
WEI's earnings are expected to decrease with -28.88% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-55.03%
EPS Next 3Y-28.88%
5. Dividend
5.1 Amount
No dividends for WEI!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
WEIDAI LTD-ADR
NYSE:WEI (5/16/2022, 7:04:00 PM)
0.96
+0.03 (+3.23%)
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 Cap67.64M
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 | N/A | ||
| Fwd PE | 2.01 | ||
| 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 | -95.08% | ||
| ROE | N/A | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | -104.27% | ||
| PM (TTM) | -160.42% | ||
| GM | N/A | ||
| 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 Turnover0.59
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 1.51 | ||
| Quick Ratio | 1.51 | ||
| 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)-60.16%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next Y-79.78%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-54.47%
Revenue growth 3Y-44.19%
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