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QUDIAN INC-SPON ADR (QD) Stock Fundamental Analysis

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

2.99  -0.21 (-6.56%)

Fundamental Rating

3

QD gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 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 has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year QD was profitable.
Of the past 5 years QD 4 years were profitable.
Each year in the past 5 years QD 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 0 1B 2B 3B 4B 5B

1.2 Ratios

QD has a worse Return On Assets (0.33%) than 69.23% of its industry peers.
The Return On Equity of QD (0.36%) is worse than 73.08% of its industry peers.
Industry RankSector Rank
ROA 0.33%
ROE 0.36%
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
QD Yearly ROA, ROE, ROICQD Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10 20 30

1.3 Margins

QD's Profit Margin of 17.99% is amongst the best of the industry. QD outperforms 82.69% of its industry peers.
QD's Profit Margin has been stable in the last couple of years.
QD does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 17.99%
GM N/A
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
QD Yearly Profit, Operating, Gross MarginsQD Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 -100 -200

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2. Health

2.1 Basic Checks

QD does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, QD has less shares outstanding
Compared to 5 years ago, QD has less shares outstanding
QD has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
QD Yearly Shares OutstandingQD Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 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 5B 10B 15B

2.2 Solvency

QD has an Altman-Z score of 4.04. This indicates that QD is financially healthy and has little risk of bankruptcy at the moment.
The Altman-Z score of QD (4.04) is better than 94.23% 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 4.04
ROIC/WACCN/A
WACC7.48%
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 0 2B 4B 6B 8B 10B

2.3 Liquidity

QD has a Current Ratio of 9.78. This indicates that QD is financially healthy and has no problem in meeting its short term obligations.
QD has a Current ratio of 9.78. This is amongst the best in the industry. QD outperforms 94.23% of its industry peers.
A Quick Ratio of 9.78 indicates that QD has no problem at all paying its short term obligations.
The Quick ratio of QD (9.78) is better than 94.23% of its industry peers.
Industry RankSector Rank
Current Ratio 9.78
Quick Ratio 9.78
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 5B 10B 15B

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0

3. Growth

3.1 Past

QD shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -88.73%.
The earnings per share for QD have been decreasing by -53.08% on average. This is quite bad
QD shows a small growth in Revenue. In the last year, the Revenue has grown by 2.40%.
Measured over the past years, QD shows a very negative growth in Revenue. The Revenue has been decreasing by -56.04% on average per year.
EPS 1Y (TTM)-88.73%
EPS 3Y-63.08%
EPS 5Y-53.08%
EPS Q2Q%184.42%
Revenue 1Y (TTM)2.4%
Revenue growth 3Y-67.52%
Revenue growth 5Y-56.04%
Sales Q2Q%85.87%

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 2B 4B 6B 8B
QD Yearly EPS VS EstimatesQD Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 2 4 6 8 10

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4. Valuation

4.1 Price/Earnings Ratio

QD is valuated quite expensively with a Price/Earnings ratio of 74.75.
75.00% of the companies in the same industry are cheaper than QD, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of QD to the average of the S&P500 Index (29.63), we can say QD is valued expensively.
Industry RankSector Rank
PE 74.75
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 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

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5. Dividend

5.1 Amount

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

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QUDIAN INC-SPON ADR

NYSE:QD (2/21/2025, 8:04:00 PM)

2.99

-0.21 (-6.56%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)09-05 2024-09-05/bmo
Earnings (Next)N/A N/A
Inst Owners14.49%
Inst Owner Change18.78%
Ins Owners2.25%
Ins Owner ChangeN/A
Market Cap566.32M
Analysts40
Price TargetN/A
Short Float %0.76%
Short Ratio2.09
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 74.75
Fwd PE N/A
P/S 18.02
P/FCF N/A
P/OCF N/A
P/B 0.36
P/tB 0.36
EV/EBITDA N/A
EPS(TTM)0.04
EY1.34%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS0.17
BVpS8.33
TBVpS8.33
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.33%
ROE 0.36%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 17.99%
GM N/A
FCFM 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
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 3Y6.01%
PM growth 5Y-0.89%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.02
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 9.78
Quick Ratio 9.78
Altman-Z 4.04
F-ScoreN/A
WACC7.48%
ROIC/WACCN/A
Cap/Depr(3y)3246.17%
Cap/Depr(5y)2443.38%
Cap/Sales(3y)174.51%
Cap/Sales(5y)106.08%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-88.73%
EPS 3Y-63.08%
EPS 5Y-53.08%
EPS Q2Q%184.42%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.4%
Revenue growth 3Y-67.52%
Revenue growth 5Y-56.04%
Sales Q2Q%85.87%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-341.3%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-1577.23%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y34.93%
OCF growth 3Y-47.78%
OCF growth 5Y-36.21%