QD Fundamental Analysis - QUDIAN INC-SPON ADR

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to QD. QD was compared to 55 industry peers in the Consumer Finance industry. QD has a great financial health rating, but its profitability evaluates not so good. QD has a expensive valuation and it also scores bad on growth.

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1. Profitability

1.1 Basic Checks

QD had positive earnings in the past year.

In the past year QD has reported a negative 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.

1.2 Ratios

Looking at the Return On Assets, with a value of 4.14%, QD is in the better half of the industry, outperforming 67.27% of the companies in the same industry.

QD's Return On Equity of 4.56% is on the low side compared to the rest of the industry. QD is outperformed by 69.09% of its industry peers.

		Industry Rank	Sector Rank
ROA	4.14%
ROE	4.56%
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

1.3 Margins

QD has a better Profit Margin (386.30%) than 98.18% of its industry peers.

In the last couple of years the Profit Margin of QD has grown nicely.

QD has a worse Gross Margin (7.76%) than 65.45% of its industry peers.

In the last couple of years the Gross Margin of QD has declined.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	386.3%
GM	7.76%

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%

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

QD has less shares outstanding than it did 1 year ago.

The number of shares outstanding for QD has been reduced compared to 5 years ago.

Compared to 1 year ago, QD has a worse debt to assets ratio.

2.2 Solvency

QD has an Altman-Z score of 4.08. This indicates that QD is financially healthy and has little risk of bankruptcy at the moment.

Looking at the Altman-Z score, with a value of 4.08, QD belongs to the top of the industry, outperforming 92.73% of the companies in the same industry.

QD has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	N/A
Altman-Z	4.08

ROIC/WACCN/A

WACC8.4%

2.3 Liquidity

QD has a Current Ratio of 9.13. This indicates that QD is financially healthy and has no problem in meeting its short term obligations.

QD has a Current ratio of 9.13. This is amongst the best in the industry. QD outperforms 94.55% of its industry peers.

QD has a Quick Ratio of 9.13. This indicates that QD is financially healthy and has no problem in meeting its short term obligations.

The Quick ratio of QD (9.13) is better than 94.55% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	9.13
Quick Ratio	9.13

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 344.58% over the past year.

Measured over the past years, QD shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -46.22% on average per year.

QD shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -32.60%.

The Revenue for QD have been decreasing by -52.38% on average. This is quite bad

EPS 1Y (TTM)344.58%

EPS 3Y-39.54%

EPS 5Y-46.22%

EPS Q2Q%253.89%

Revenue 1Y (TTM)-32.6%

Revenue growth 3Y-49.23%

Revenue growth 5Y-52.38%

Sales Q2Q%-93.46%

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.

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4. Valuation

4.1 Price/Earnings Ratio

QD is valuated reasonably with a Price/Earnings ratio of 8.70.

Based on the Price/Earnings ratio, QD is valued a bit cheaper than the industry average as 65.45% of the companies are valued more expensively.

QD is valuated cheaply when we compare the Price/Earnings ratio to 26.39, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	8.7
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

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5. Dividend

5.1 Amount

No dividends for QD!.

		Industry Rank	Sector Rank
Dividend Yield	0%

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QUDIAN INC-SPON ADR

NYSE:QD (12/19/2025, 8:11:27 PM)

3.83

+0.07 (+1.86%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryConsumer Finance

Earnings (Last)11-21 2025-11-21

Earnings (Next)03-19 2026-03-19/bmo

Inst Owners15.94%

Inst Owner Change1.46%

Ins Owners2.79%

Ins Owner ChangeN/A

Market Cap632.43M

Revenue(TTM)136.53M

Net Income(TTM)527.42M

Analysts40

Price TargetN/A

Short Float %0.62%

Short Ratio1.7

Dividend

		Industry Rank	Sector Rank
Dividend Yield	0%

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 Rank	Sector Rank
PE	8.7
Fwd PE	N/A
P/S	32.62
P/FCF	N/A
P/OCF	N/A
P/B	0.38
P/tB	0.38
EV/EBITDA	N/A

EPS(TTM)0.44

EY11.49%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)-0.99

FCFYN/A

OCF(TTM)-0.99

OCFYN/A

SpS0.12

BVpS9.96

TBVpS9.96

PEG (NY)N/A

PEG (5Y)N/A

Graham Number9.93

Profitability

		Industry Rank	Sector Rank
ROA	4.14%
ROE	4.56%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	386.3%
GM	7.76%
FCFM	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

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexgc growth 3YN/A

ROICexgc 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-Score4

Asset Turnover0.01

Health

		Industry Rank	Sector 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	9.13
Quick Ratio	9.13
Altman-Z	4.08

F-Score4

WACC8.4%

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)344.58%

EPS 3Y-39.54%

EPS 5Y-46.22%

EPS Q2Q%253.89%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-32.6%

Revenue growth 3Y-49.23%

Revenue growth 5Y-52.38%

Sales Q2Q%-93.46%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y5.65%

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

QUDIAN INC-SPON ADR / QD FAQ

What is the fundamental rating for QD stock?

ChartMill assigns a fundamental rating of 4 / 10 to QD.

What is the valuation status of QUDIAN INC-SPON ADR (QD) stock?

ChartMill assigns a valuation rating of 2 / 10 to QUDIAN INC-SPON ADR (QD). This can be considered as Overvalued.

Can you provide the profitability details for QUDIAN INC-SPON ADR?

QUDIAN INC-SPON ADR (QD) has a profitability rating of 3 / 10.

What is the valuation of QUDIAN INC-SPON ADR based on its PE and PB ratios?

The Price/Earnings (PE) ratio for QUDIAN INC-SPON ADR (QD) is 8.7 and the Price/Book (PB) ratio is 0.38.

Can you provide the financial health for QD stock?

The financial health rating of QUDIAN INC-SPON ADR (QD) is 9 / 10.

QUDIAN INC-SPON ADR (QD) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

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QUDIAN INC-SPON ADR / QD FAQ

What is the fundamental rating for QD stock?

What is the valuation status of QUDIAN INC-SPON ADR (QD) stock?

Can you provide the profitability details for QUDIAN INC-SPON ADR?

What is the valuation of QUDIAN INC-SPON ADR based on its PE and PB ratios?

Can you provide the financial health for QD stock?