High Templar Tech（0A2T）株式概要ハイ・テンプラー・テック・リミテッドは中華人民共和国で消費者志向の金融技術サービス会社として営業している。 詳細0A2T ファンダメンタル分析スノーフレーク・スコア評価2/6将来の成長0/6過去の実績4/6財務の健全性4/6配当金0/6報酬株価収益率（ 3.7 x） UK市場（ 15.8 x）を下回っています。過去1年間で収益は672.5%増加しました リスク分析過去5年間で収益は年間26.6%減少しました。 UK市場と比較して、過去 3 か月間の株価の変動が非常に大きいすべてのリスクチェックを見る0A2T Community Fair Values Create NarrativeSee what others think this stock is worth. Follow their fair value or set your own to get alerts.NEW489,183 membersJoin community and earn perksGain real feedbackFrom our editorial team, personally. Not silence.Grow your followingReal investors. The kind who actually invest, not scroll past.Unlock free accessFree premium subscription for consistent and quality authors.Learn moreCreate NarrativeBLINROAG489,183 investors already sharing narrativesYour Fair ValueUS$Current PriceUS$2.4830.1k% 割高 内在価値ディスカウントGrowth estimate overAnnual revenue growth rate5 Yearstime period%/yrDecreaseIncreasePastFuture-362m9b2016201920222025202620282031Revenue CN¥166.2kEarnings CN¥2.9mAdvancedSet Fair ValueView all narrativesHigh Templar Tech Limited 競合他社Vanquis Banking GroupSymbol: LSE:VANQMarket cap: UK£292.4mS&USymbol: LSE:SUSMarket cap: UK£236.3mASA International GroupSymbol: LSE:ASAIMarket cap: UK£263.0mInternational Personal FinanceSymbol: LSE:IPFMarket cap: UK£553.1m価格と性能株価の高値、安値、推移の概要High Templar Tech過去の株価現在の株価US$2.4852週高値US$5.1452週安値US$1.92ベータ1.241ヶ月の変化-19.74%3ヶ月変化-2.25%1年変化-23.57%3年間の変化8.84%5年間の変化31.22%IPOからの変化-64.74%最新ニュースValuation Update With 7 Day Price Move • Jun 25Investor sentiment deteriorates as stock falls 21%After last week's 21% share price decline to US$2.44, the stock trades at a trailing P/E ratio of 4.7x. Average trailing P/E is 9x in the Consumer Finance industry in the United Kingdom. Total returns to shareholders of 25% over the past three years.New Risk • May 26New major risk - Share price stabilityThe company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of British stocks, typically moving 13% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (13% average weekly change). Earnings have declined by 27% per year over the past 5 years.Valuation Update With 7 Day Price Move • May 26Investor sentiment improves as stock rises 37%After last week's 37% share price gain to US$3.02, the stock trades at a trailing P/E ratio of 3.6x. Average trailing P/E is 9x in the Consumer Finance industry in the United Kingdom. Total returns to shareholders of 113% over the past three years.Reported Earnings • Apr 16Full year 2025 earnings released: EPS: CN¥4.37 (vs CN¥0.50 in FY 2024)Full year 2025 results: EPS: CN¥4.37 (up from CN¥0.50 in FY 2024). Net income: CN¥708.6m (up CN¥616.9m from FY 2024). Over the last 3 years on average, earnings per share has increased by 75% per year but the company’s share price has only increased by 24% per year, which means it is significantly lagging earnings growth.New Risk • Apr 01New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of British stocks, typically moving 9.2% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 27% per year over the past 5 years. Minor Risk Share price has been volatile over the past 3 months (9.2% average weekly change).Valuation Update With 7 Day Price Move • Mar 30Investor sentiment deteriorates as stock falls 16%After last week's 16% share price decline to US$2.06, the stock trades at a trailing P/E ratio of 3.5x. Average trailing P/E is 9x in the Consumer Finance industry in the United Kingdom. Total returns to shareholders of 74% over the past three years.最新情報をもっと見るRecent updatesValuation Update With 7 Day Price Move • Jun 25Investor sentiment deteriorates as stock falls 21%After last week's 21% share price decline to US$2.44, the stock trades at a trailing P/E ratio of 4.7x. Average trailing P/E is 9x in the Consumer Finance industry in the United Kingdom. Total returns to shareholders of 25% over the past three years.New Risk • May 26New major risk - Share price stabilityThe company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of British stocks, typically moving 13% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (13% average weekly change). Earnings have declined by 27% per year over the past 5 years.Valuation Update With 7 Day Price Move • May 26Investor sentiment improves as stock rises 37%After last week's 37% share price gain to US$3.02, the stock trades at a trailing P/E ratio of 3.6x. Average trailing P/E is 9x in the Consumer Finance industry in the United Kingdom. Total returns to shareholders of 113% over the past three years.Reported Earnings • Apr 16Full year 2025 earnings released: EPS: CN¥4.37 (vs CN¥0.50 in FY 2024)Full year 2025 results: EPS: CN¥4.37 (up from CN¥0.50 in FY 2024). Net income: CN¥708.6m (up CN¥616.9m from FY 2024). Over the last 3 years on average, earnings per share has increased by 75% per year but the company’s share price has only increased by 24% per year, which means it is significantly lagging earnings growth.New Risk • Apr 01New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of British stocks, typically moving 9.2% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 27% per year over the past 5 years. Minor Risk Share price has been volatile over the past 3 months (9.2% average weekly change).Valuation Update With 7 Day Price Move • Mar 30Investor sentiment deteriorates as stock falls 16%After last week's 16% share price decline to US$2.06, the stock trades at a trailing P/E ratio of 3.5x. Average trailing P/E is 9x in the Consumer Finance industry in the United Kingdom. Total returns to shareholders of 74% over the past three years.Reported Earnings • Mar 12Full year 2025 earnings released: EPS: CN¥4.37 (vs CN¥0.50 in FY 2024)Full year 2025 results: EPS: CN¥4.37 (up from CN¥0.50 in FY 2024). Net income: CN¥708.6m (up CN¥616.9m from FY 2024). Over the last 3 years on average, earnings per share has increased by 75% per year but the company’s share price has only increased by 33% per year, which means it is significantly lagging earnings growth.New Risk • Dec 15New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of British stocks, typically moving 7.3% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 31% per year over the past 5 years. Minor Risk Share price has been volatile over the past 3 months (7.3% average weekly change).Valuation Update With 7 Day Price Move • Dec 10Investor sentiment deteriorates as stock falls 18%After last week's 18% share price decline to US$3.93, the stock trades at a trailing P/E ratio of 6.1x. Average trailing P/E is 6x in the Consumer Finance industry in the United Kingdom. Total returns to shareholders of 327% over the past three years.Reported Earnings • Nov 28Third quarter 2025 earnings released: EPS: CN¥2.55 (vs CN¥0.73 in 3Q 2024)Third quarter 2025 results: EPS: CN¥2.55 (up from CN¥0.73 in 3Q 2024). Revenue: CN¥8.52m (down 85% from 3Q 2024). Net income: CN¥409.9m (up 211% from 3Q 2024). Over the last 3 years on average, earnings per share has increased by 84% per year but the company’s share price has only increased by 77% per year, which means it is significantly lagging earnings growth.Valuation Update With 7 Day Price Move • Sep 26Investor sentiment improves as stock rises 16%After last week's 16% share price gain to US$4.59, the stock trades at a trailing P/E ratio of 9.9x. Average trailing P/E is 7x in the Consumer Finance industry in the United Kingdom. Total returns to shareholders of 416% over the past three years.お知らせ • Sep 24Qudian Inc. Announces Resignation of Yingming Li as A Director, Effective September 23, 2025Qudian Inc. announced that Mr. Yingming Li has tendered his resignation as a director of the Company's board of directors for personal reasons. Mr. Li's resignation was effective as of September 23, 2025.New Risk • Aug 15New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of British stocks, typically moving 7.4% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 39% per year over the past 5 years. Minor Risk Share price has been volatile over the past 3 months (7.4% average weekly change).Reported Earnings • Aug 14Second quarter 2025 earnings released: EPS: CN¥1.02 (vs CN¥0.54 in 2Q 2024)Second quarter 2025 results: EPS: CN¥1.02 (up from CN¥0.54 in 2Q 2024). Net income: CN¥161.7m (up 62% from 2Q 2024). Over the last 3 years on average, earnings per share has increased by 65% per year whereas the company’s share price has increased by 60% per year.Valuation Update With 7 Day Price Move • Jul 30Investor sentiment improves as stock rises 16%After last week's 16% share price gain to US$3.77, the stock trades at a trailing P/E ratio of 14x. Average trailing P/E is 9x in the Consumer Finance industry in the United Kingdom. Total returns to shareholders of 252% over the past three years.Reported Earnings • Jun 02First quarter 2025 earnings released: EPS: CN¥0.90 (vs CN¥0.38 loss in 1Q 2024)First quarter 2025 results: EPS: CN¥0.90 (up from CN¥0.38 loss in 1Q 2024). Revenue: CN¥25.8m (down 54% from 1Q 2024). Net income: CN¥150.1m (up CN¥223.7m from 1Q 2024). Over the last 3 years on average, earnings per share has increased by 50% per year whereas the company’s share price has increased by 54% per year.Board Change • Jun 02Less than half of directors are independentFollowing the recent departure of a director, there are only 2 independent directors on the board. The company's board is composed of: 2 independent directors. 3 non-independent directors. Independent Director David Cui was the last independent director to join the board, commencing their role in 2024. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.Board Change • Mar 06Less than half of directors are independentFollowing the recent departure of a director, there are only 2 independent directors on the board. The company's board is composed of: 2 independent directors. 3 non-independent directors. Independent Director David Cui was the last independent director to join the board, commencing their role in 2024. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.Board Change • Jan 30Less than half of directors are independentFollowing the recent departure of a director, there are only 2 independent directors on the board. The company's board is composed of: 2 independent directors. 3 non-independent directors. Independent Director David Cui was the last independent director to join the board, commencing their role in 2024. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.New Risk • Nov 26New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of British stocks, typically moving 8.4% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 62% per year over the past 5 years. Minor Risks Share price has been volatile over the past 3 months (8.4% average weekly change). Profit margins are more than 30% lower than last year (18% net profit margin).Reported Earnings • Nov 23Third quarter 2024 earnings released: EPS: CN¥0.73 (vs CN¥0.84 loss in 3Q 2023)Third quarter 2024 results: EPS: CN¥0.73 (up from CN¥0.84 loss in 3Q 2023). Revenue: CN¥55.0m (up 86% from 3Q 2023). Net income: CN¥131.9m (up CN¥313.1m from 3Q 2023). Over the last 3 years on average, earnings per share has fallen by 46% per year but the company’s share price has increased by 18% per year, which means it is well ahead of earnings.Reported Earnings • Sep 06Second quarter 2024 earnings released: EPS: CN¥0.54 (vs CN¥0.34 loss in 2Q 2023)Second quarter 2024 results: EPS: CN¥0.54 (up from CN¥0.34 loss in 2Q 2023). Revenue: CN¥53.3m (up 381% from 2Q 2023). Net income: CN¥99.8m (up CN¥176.7m from 2Q 2023). Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 83 percentage points per year, which is a significant difference in performance.New Risk • Sep 05New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of British stocks, typically moving 6.5% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 59% per year over the past 5 years. Minor Risk Share price has been volatile over the past 3 months (6.5% average weekly change).New Risk • Jul 22New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of British stocks, typically moving 6.8% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 59% per year over the past 5 years. Minor Risk Share price has been volatile over the past 3 months (6.8% average weekly change).Reported Earnings • Jun 14First quarter 2024 earnings released: CN¥0.38 loss per share (vs CN¥1.82 profit in 1Q 2023)First quarter 2024 results: CN¥0.38 loss per share (down from CN¥1.82 profit in 1Q 2023). Revenue: CN¥55.8m (up 156% from 1Q 2023). Net loss: CN¥73.6m (down 118% from profit in 1Q 2023). Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 70 percentage points per year, which is a significant difference in performance.お知らせ • May 14Qudian Inc. Announces Changes to Board of DirectorsQudian Inc. announced that Mr. David Cui has replaced Mr. Shengwen Rong as a member of the board of directors (the "Board"), audit committee and compensation committee of the Company. Mr. Shengwen Rong resigned from the Board for personal reasons, effective as of May 11, 2024. Upon recommendation by the nominating and corporate governance committee of the Company, the Board resolved to appoint Mr. David Cui as a director and member of the audit committee and compensation committee to fill the positions vacated by Mr. Shengwen Rong, effective as of May 11, 2024. Mr. Cui has served as an independent non-executive director of Inkeverse Group Limited (formerly known as Inke Limited), a leading Chinese mobile live streaming company listed on the Hong Kong Stock Exchange, since June 2018, and Yalla Group Limited, since September 2020. Mr. Cui has extensive experience in public accounting and financial management. From October 2020 to May 2023, Mr. Cui served as the chief financial officer of Vipshop Holdings Limited. From August 2017 to September 2020, Mr. Cui was the chief financial officer of Huami Corporation (currently known as Zepp Health Corporation). From August 2015 to April 2017, Mr. Cui was the chief financial officer of China Digital Video Holdings Limited, a company listed on the Hong Kong Stock Exchange. Prior to that, Mr. Cui was an independent financial advisor to high growth companies on business strategies, fund raising, corporate governance and accounting matters. From April 2011 to August 2013, Mr. Cui was the chief financial officer in iKang Healthcare Group Inc., a company previously listed on the Nasdaq Global Select Market. He was an audit senior manager of Deloitte Touche Tohmatsu, China from April 2007 to April 2011. Prior to that, Mr. Cui was the financial reporting manager of Symantec Corporation. From April 2004 to August 2006, he served as an audit manager of Ernst & Young, California. Mr. Cui was a senior auditor in the Audit and Advisory Services practice of Health Net Inc., California from May 2001 to April 2004. From January 1996 to May 2001, Mr. Cui worked in public accounting in Canada and the United States. Mr. Cui has a bachelor's degree in business administration from Simon Fraser University, Canada and is a licensed CPA in the United States and Canada.Valuation Update With 7 Day Price Move • May 14Investor sentiment deteriorates as stock falls 15%After last week's 15% share price decline to US$2.12, the stock trades at a trailing P/E ratio of 74.3x. Average trailing P/E is 8x in the Consumer Finance industry in the United Kingdom. Total returns to shareholders of 3.7% over the past three years.Reported Earnings • Mar 19Full year 2023 earnings released: EPS: CN¥0.18 (vs CN¥1.47 loss in FY 2022)Full year 2023 results: EPS: CN¥0.18 (up from CN¥1.47 loss in FY 2022). Revenue: CN¥126.3m (down 76% from FY 2022). Net income: CN¥39.1m (up CN¥401.1m from FY 2022). Profit margin: 31% (up from net loss in FY 2022). The move to profitability was driven by lower expenses. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 73 percentage points per year, which is a significant difference in performance.Reported Earnings • Dec 13Third quarter 2023 earnings released: CN¥0.84 loss per share (vs CN¥2.64 loss in 3Q 2022)Third quarter 2023 results: CN¥0.84 loss per share (improved from CN¥2.64 loss in 3Q 2022). Revenue: CN¥29.6m (down 69% from 3Q 2022). Net loss: CN¥181.2m (loss narrowed 72% from 3Q 2022). Over the last 3 years on average, earnings per share has fallen by 61% per year but the company’s share price has increased by 16% per year, which means it is well ahead of earnings.Buying Opportunity • Dec 08Now 20% undervaluedOver the last 90 days, the stock is up 1.1%. The fair value is estimated to be US$2.33, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 84% over the last 3 years. Meanwhile, the company has become profitable.Valuation Update With 7 Day Price Move • Dec 06Investor sentiment improves as stock rises 15%After last week's 15% share price gain to US$1.84, the stock trades at a trailing P/E ratio of 16.6x. Average trailing P/E is 9x in the Consumer Finance industry in the United Kingdom. Total returns to shareholders of 34% over the past three years.Buying Opportunity • Oct 17Now 21% undervalued after recent price dropOver the last 90 days, the stock is down 13%. The fair value is estimated to be US$2.51, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 84% over the last 3 years. Meanwhile, the company has become profitable.Buying Opportunity • Sep 08Now 27% undervaluedOver the last 90 days, the stock is up 4.4%. The fair value is estimated to be US$2.56, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 84% over the last 3 years. Meanwhile, the company has become profitable.Reported Earnings • Sep 08Second quarter 2023 earnings releasedSecond quarter 2023 results: Revenue: CN¥11.1m (down 87% from 2Q 2022). Net loss: CN¥76.9m (loss widened 25% from 2Q 2022).Valuation Update With 7 Day Price Move • Sep 07Investor sentiment deteriorates as stock falls 16%After last week's 16% share price decline to US$2.07, the stock trades at a trailing P/E ratio of 16.6x. Average trailing P/E is 7x in the Consumer Finance industry in the United Kingdom. Total returns to shareholders of 20% over the past three years.Valuation Update With 7 Day Price Move • Jul 17Investor sentiment improves as stock rises 16%After last week's 16% share price gain to US$2.31, the stock trades at a trailing P/E ratio of 19.3x. Average trailing P/E is 8x in the Consumer Finance industry in the United Kingdom. Total returns to shareholders of 34% over the past three years.Valuation Update With 7 Day Price Move • Jun 21Investor sentiment improves as stock rises 17%After last week's 17% share price gain to US$1.99, the stock trades at a trailing P/E ratio of 16.6x. Average trailing P/E is 8x in the Consumer Finance industry in the United Kingdom. Total returns to shareholders of 16% over the past three years.New Risk • Jun 20New minor risk - Earnings qualityThe company has large one-off items impacting its financial results. One-off items were 36% of the size of the rest of the company's trailing 12-month earnings before tax. This is considered a minor risk. One-off items are incomes or expenses that the company does not expect to repeat in future periods. Examples include profits from the sale of a business or expenses from a restructuring or legal settlements. If the company's reported statutory earnings include a large proportion of one-off items it means they may be an unreliable indicator of its true business performance as the earnings were skewed by these incomes or expenses. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 42% per year over the past 5 years. Minor Risks Share price has been volatile over the past 3 months (7.9% average weekly change). Large one-off items impacting financial results.New Risk • Jun 15New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of British stocks, typically moving 7.5% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 42% per year over the past 5 years. Minor Risk Share price has been volatile over the past 3 months (7.5% average weekly change).Reported Earnings • Jun 12First quarter 2023 earnings released: EPS: CN¥0.002 (vs CN¥0.56 loss in 1Q 2022)First quarter 2023 results: EPS: CN¥0.002 (up from CN¥0.56 loss in 1Q 2022). Revenue: CN¥21.9k (down 100% from 1Q 2022). Net income: CN¥414.3k (up CN¥143.2m from 1Q 2022). Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 84 percentage points per year, which is a significant difference in performance.Reported Earnings • Feb 23Full year 2022 earnings released: CN¥1.47 loss per share (vs CN¥2.32 profit in FY 2021)Full year 2022 results: CN¥1.47 loss per share (down from CN¥2.32 profit in FY 2021). Revenue: CN¥524.0m (down 67% from FY 2021). Net loss: CN¥362.0m (down 161% from profit in FY 2021). Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 62 percentage points per year, which is a significant difference in performance.お知らせ • Feb 04Qudian Regained Compliance with NYSE Minimum Price ProvisionQudian Inc. announced that the Company has regained compliance with the New York Stock Exchange's continued listing standard for share prices as confirmed by a notification letter from the NYSE on February 1, 2023. On September 22, 2022, the NYSE notified the Company of its non-compliance with the exchange's continued listing standards because the average closing price of its American depositary shares ("ADSs") had fallen below $1.00 over a period of 30 consecutive trading days.Reported Earnings • Nov 22Third quarter 2022 earnings releasedThird quarter 2022 results: Revenue: CN¥110.2m (down 67% from 3Q 2021). Net loss: CN¥648.0m (loss widened CN¥553.8m from 3Q 2021).Board Change • Nov 16Less than half of directors are independentFollowing the recent departure of a director, there are only 2 independent directors on the board. The company's board is composed of: 2 independent directors. 3 non-independent directors. Independent Director Roy Rong was the last independent director to join the board, commencing their role in 2018. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.Reported Earnings • Sep 07Second quarter 2022 earnings releasedSecond quarter 2022 results: Revenue: CN¥105.4m (down 73% from 2Q 2021). Net loss: CN¥61.3m (down 123% from profit in 2Q 2021).Reported Earnings • Jun 16First quarter 2022 earnings released: CN¥0.56 loss per share (vs CN¥1.89 profit in 1Q 2021)First quarter 2022 results: CN¥0.56 loss per share (down from CN¥1.89 profit in 1Q 2021). Revenue: CN¥184.5m (down 63% from 1Q 2021). Net loss: CN¥142.8m (down 130% from profit in 1Q 2021).Valuation Update With 7 Day Price Move • Jun 14Investor sentiment improved over the past weekAfter last week's 31% share price gain to US$1.08, the stock trades at a forward P/E ratio of 3x. Average forward P/E is 7x in the Consumer Finance industry in the United Kingdom. Total loss to shareholders of 53% over the past year.Reported Earnings • May 02Full year 2021 earnings released: EPS: CN¥2.32 (vs CN¥3.78 in FY 2020)Full year 2021 results: EPS: CN¥2.32 (down from CN¥3.78 in FY 2020). Revenue: CN¥1.59b (down 56% from FY 2020). Net income: CN¥589.1m (down 39% from FY 2020). Profit margin: 37% (up from 27% in FY 2020). The increase in margin was driven by lower expenses. Over the next year, revenue is expected to shrink by 22% compared to a 105% growth forecast for the industry in the United Kingdom.Board Change • Apr 27Less than half of directors are independentFollowing the recent departure of a director, there are only 2 independent directors on the board. The company's board is composed of: 2 independent directors. 3 non-independent directors. Independent Director Roy Rong was the last independent director to join the board, commencing their role in 2018. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.Reported Earnings • Mar 19Full year 2021 earnings: Revenues exceed analyst expectationsFull year 2021 results: Revenue: CN¥1.65b (down 54% from FY 2020). Net income: CN¥589.1m (down 39% from FY 2020). Profit margin: 36% (up from 27% in FY 2020). The increase in margin was driven by lower expenses. Revenue exceeded analyst estimates by 4.2%. Over the next year, revenue is expected to shrink by 33% compared to a 102% growth forecast for the industry in the United Kingdom.Reported Earnings • Dec 14Third quarter 2021 earnings: Revenues miss analyst expectationsThird quarter 2021 results: Revenue: -CN¥546.0m (down 166% from 3Q 2020). Net loss: CN¥842.5m (down 242% from profit in 3Q 2020). Revenue missed analyst estimates by 2.5%. Over the next year, revenue is expected to shrink by 25% compared to a 130% growth forecast for the industry in the United Kingdom.Reported Earnings • Aug 25Second quarter 2021 earnings releasedThe company reported a decent second quarter result with improved earnings and profit margins, although revenues were weaker. Second quarter 2021 results: Revenue: CN¥412.1m (down 64% from 2Q 2020). Net income: CN¥269.9m (up 51% from 2Q 2020). Profit margin: 66% (up from 16% in 2Q 2020).Reported Earnings • Jun 17First quarter 2021 earnings releasedThe company reported a decent first quarter result with improved earnings and profit margins, although revenues were weaker. First quarter 2021 results: Revenue: CN¥515.7m (down 46% from 1Q 2020). Net income: CN¥478.4m (up CN¥964.8m from 1Q 2020). Profit margin: 93% (up from net loss in 1Q 2020).Valuation Update With 7 Day Price Move • Jun 15Investor sentiment improved over the past weekAfter last week's 18% share price gain to CN¥2.44, the stock trades at a forward P/E ratio of 3x. Average forward P/E is 17x in the Consumer Finance industry in the United Kingdom. Total returns to shareholders of 48% over the past year.Reported Earnings • May 03Full year 2020 earnings released: EPS CN¥3.78 (vs CN¥11.72 in FY 2019)The company reported a poor full year result with weaker earnings, revenues and profit margins. Full year 2020 results: Revenue: CN¥3.62b (down 59% from FY 2019). Net income: CN¥958.8m (down 71% from FY 2019). Profit margin: 27% (down from 37% in FY 2019). The decrease in margin was driven by lower revenue.Valuation Update With 7 Day Price Move • Apr 14Investor sentiment deteriorated over the past weekAfter last week's 15% share price decline to CN¥1.99, the stock trades at a forward P/E ratio of 2x. Average forward P/E is 15x in the Consumer Finance industry in the United Kingdom.Reported Earnings • Mar 30Full year 2020 earnings released: EPS CN¥3.78 (vs CN¥11.72 in FY 2019)The company reported a poor full year result with weaker earnings, revenues and profit margins. Full year 2020 results: Revenue: CN¥3.62b (down 59% from FY 2019). Net income: CN¥958.8m (down 71% from FY 2019). Profit margin: 27% (down from 37% in FY 2019). The decrease in margin was driven by lower revenue.Valuation Update With 7 Day Price Move • Mar 27Investor sentiment deteriorated over the past weekAfter last week's 18% share price decline to CN¥2.24, the stock trades at a forward P/E ratio of 4x. Average forward P/E is 14x in the Consumer Finance industry in the United Kingdom.Valuation Update With 7 Day Price Move • Mar 11Investor sentiment improved over the past weekAfter last week's 16% share price gain to CN¥2.56, the stock is trading at a trailing P/E ratio of 8.9x, up from the previous P/E ratio of 7.7x. This compares to an average P/E of 13x in the Consumer Finance industry in the United Kingdom. Total return to shareholders over the past year is a loss of 2.5%.Valuation Update With 7 Day Price Move • Feb 24Investor sentiment deteriorated over the past weekAfter last week's 33% share price decline to CN¥2.46, the stock is trading at a trailing P/E ratio of 11x, down from the previous P/E ratio of 16.3x. This compares to an average P/E of 15x in the Consumer Finance industry in the United Kingdom. Total return to shareholders over the past year is a loss of 1.2%.Valuation Update With 7 Day Price Move • Feb 04Investor sentiment improved over the past weekAfter last week's 26% share price gain to CN¥2.65, the stock is trading at a trailing P/E ratio of 10.5x, up from the previous P/E ratio of 8.3x. This compares to an average P/E of 14x in the Consumer Finance industry in the United Kingdom. Total return to shareholders over the past year is a loss of 7.9%.Valuation Update With 7 Day Price Move • Jan 11Investor sentiment improved over the past weekAfter last week's 19% share price gain to CN¥1.62, the stock is trading at a trailing P/E ratio of 6.5x, up from the previous P/E ratio of 5.4x. This compares to an average P/E of 15x in the Consumer Finance industry in the United Kingdom. Total return to shareholders over the past year is a loss of 63%.Valuation Update With 7 Day Price Move • Jan 09Investor sentiment improved over the past weekAfter last week's 15% share price gain to CN¥1.50, the stock is trading at a trailing P/E ratio of 6.4x, up from the previous P/E ratio of 5.6x. This compares to an average P/E of 15x in the Consumer Finance industry in the United Kingdom. Total return to shareholders over the past year is a loss of 66%.Valuation Update With 7 Day Price Move • Jan 05Investor sentiment improved over the past weekAfter last week's 16% share price gain to CN¥1.38, the stock is trading at a trailing P/E ratio of 5.5x, up from the previous P/E ratio of 4.7x. This compares to an average P/E of 14x in the Consumer Finance industry in the United Kingdom.Valuation Update With 7 Day Price Move • Dec 31Investor sentiment improved over the past weekAfter last week's 17% share price gain to CN¥1.39, the stock is trading at a trailing P/E ratio of 5.6x, up from the previous P/E ratio of 4.8x. This compares to an average P/E of 14x in the Consumer Finance industry in the United Kingdom. Total return to shareholders over the past year is a loss of 71%.Analyst Estimate Surprise Post Earnings • Dec 15Revenue misses expectationsRevenue missed analyst estimates by 1.7%. Over the next year, revenue is expected to shrink by 30% compared to a 56% growth forecast for the Consumer Finance industry in the United Kingdom.Reported Earnings • Dec 15Third quarter 2020 earnings released: EPS CN¥2.33The company reported a soft third quarter result with weaker earnings and revenues, although profit margins were improved. Third quarter 2020 results: Revenue: CN¥849.4m (down 67% from 3Q 2019). Net income: CN¥592.3m (down 43% from 3Q 2019). Profit margin: 70% (up from 40% in 3Q 2019). The increase in margin was driven by lower expenses.株主還元0A2TGB Consumer FinanceGB 市場7D-8.5%3.0%1.0%1Y-23.6%32.8%17.2%株主還元を見る業界別リターン: 0A2T過去 1 年間で32.8 % の収益を上げたUK Consumer Finance業界を下回りました。リターン対市場: 0A2Tは、過去 1 年間で17.2 % のリターンを上げたUK市場を下回りました。価格変動Is 0A2T's price volatile compared to industry and market?0A2T volatility0A2T Average Weekly Movement11.4%Consumer Finance Industry Average Movement5.1%Market Average Movement5.1%10% most volatile stocks in GB Market10.6%10% least volatile stocks in GB Market2.7%安定した株価: 0A2Tの株価は、 UK市場と比較して過去 3 か月間で変動しています。時間の経過による変動: 0A2Tの weekly volatility ( 11% ) は過去 1 年間安定していますが、依然としてUKの株式の 75% よりも高くなっています。会社概要設立従業員CEO（最高経営責任者ウェブサイト2014101Min Luowww.qudian.comハイテンプラー・テック・リミテッドは中華人民共和国で消費者志向の金融技術サービス会社として運営されている。同社は航空機リースサービス、技術開発およびサービス、研究開発サービスを提供している。また、従業員向けに年金保険、失業保険、労災保険、医療保険などの社会保障保険も提供している。さらに、コアサービスシステムグループ、ユーザー識別・リスク管理システムグループ、決済・金融グループ、システムプラットフォームサポート、BIシステムグループ、インテリジェントモニタリングシステムからなる金融技術業務管理システムを金融機関に提供している。さらに、全プロセスの技術サービスと全シナリオの精密マーケティングサービスを提供している。同社は以前はQudian Inc.として知られていたが、2025年12月にHigh Templar Tech Limitedに社名を変更した。ハイ・テンプラー・テック・リミテッドは2014年に設立され、中国のアモイに本社を置いている。もっと見るHigh Templar Tech Limited 基礎のまとめHigh Templar Tech の収益と売上を時価総額と比較するとどうか。0A2T 基礎統計学時価総額US$389.76m収益（TTM）US$104.58m売上高(TTM)US$6.05m3.7xPER（株価収益率64.5xP/Sレシオ0A2T は割高か？公正価値と評価分析を参照収益と収入最新の決算報告書（TTM）に基づく主な収益性統計0A2T 損益計算書（TTM）収益CN¥40.96m売上原価CN¥36.10m売上総利益CN¥4.87mその他の費用-CN¥703.76m収益CN¥708.63m直近の収益報告Dec 31, 2025次回決算日該当なし一株当たり利益（EPS）4.56グロス・マージン11.88%純利益率1,729.89%有利子負債／自己資本比率13.5%0A2T の長期的なパフォーマンスは？過去の実績と比較を見るView Valuation企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/07/19 12:11終値2026/07/17 00:00収益2025/12/31年間収益2025/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレークこのレポートを生成するために使用した分析モデルの詳細は、当社のGitHubページでご覧いただけます。また、レポートの活用方法に関するガイドやYouTubeのチュートリアルも用意しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋High Templar Tech Limited 0 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。11 アナリスト機関Linda Sun-MattisonBernsteinYaoping WangChina International Capital Corporation LimitedJacky ZuoChina Renaissance Securities8 その他のアナリストを表示
Valuation Update With 7 Day Price Move • Jun 25Investor sentiment deteriorates as stock falls 21%After last week's 21% share price decline to US$2.44, the stock trades at a trailing P/E ratio of 4.7x. Average trailing P/E is 9x in the Consumer Finance industry in the United Kingdom. Total returns to shareholders of 25% over the past three years.
New Risk • May 26New major risk - Share price stabilityThe company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of British stocks, typically moving 13% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (13% average weekly change). Earnings have declined by 27% per year over the past 5 years.
Valuation Update With 7 Day Price Move • May 26Investor sentiment improves as stock rises 37%After last week's 37% share price gain to US$3.02, the stock trades at a trailing P/E ratio of 3.6x. Average trailing P/E is 9x in the Consumer Finance industry in the United Kingdom. Total returns to shareholders of 113% over the past three years.
Reported Earnings • Apr 16Full year 2025 earnings released: EPS: CN¥4.37 (vs CN¥0.50 in FY 2024)Full year 2025 results: EPS: CN¥4.37 (up from CN¥0.50 in FY 2024). Net income: CN¥708.6m (up CN¥616.9m from FY 2024). Over the last 3 years on average, earnings per share has increased by 75% per year but the company’s share price has only increased by 24% per year, which means it is significantly lagging earnings growth.
New Risk • Apr 01New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of British stocks, typically moving 9.2% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 27% per year over the past 5 years. Minor Risk Share price has been volatile over the past 3 months (9.2% average weekly change).
Valuation Update With 7 Day Price Move • Mar 30Investor sentiment deteriorates as stock falls 16%After last week's 16% share price decline to US$2.06, the stock trades at a trailing P/E ratio of 3.5x. Average trailing P/E is 9x in the Consumer Finance industry in the United Kingdom. Total returns to shareholders of 74% over the past three years.
Valuation Update With 7 Day Price Move • Jun 25Investor sentiment deteriorates as stock falls 21%After last week's 21% share price decline to US$2.44, the stock trades at a trailing P/E ratio of 4.7x. Average trailing P/E is 9x in the Consumer Finance industry in the United Kingdom. Total returns to shareholders of 25% over the past three years.
New Risk • May 26New major risk - Share price stabilityThe company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of British stocks, typically moving 13% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (13% average weekly change). Earnings have declined by 27% per year over the past 5 years.
Valuation Update With 7 Day Price Move • May 26Investor sentiment improves as stock rises 37%After last week's 37% share price gain to US$3.02, the stock trades at a trailing P/E ratio of 3.6x. Average trailing P/E is 9x in the Consumer Finance industry in the United Kingdom. Total returns to shareholders of 113% over the past three years.
Reported Earnings • Apr 16Full year 2025 earnings released: EPS: CN¥4.37 (vs CN¥0.50 in FY 2024)Full year 2025 results: EPS: CN¥4.37 (up from CN¥0.50 in FY 2024). Net income: CN¥708.6m (up CN¥616.9m from FY 2024). Over the last 3 years on average, earnings per share has increased by 75% per year but the company’s share price has only increased by 24% per year, which means it is significantly lagging earnings growth.
New Risk • Apr 01New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of British stocks, typically moving 9.2% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 27% per year over the past 5 years. Minor Risk Share price has been volatile over the past 3 months (9.2% average weekly change).
Valuation Update With 7 Day Price Move • Mar 30Investor sentiment deteriorates as stock falls 16%After last week's 16% share price decline to US$2.06, the stock trades at a trailing P/E ratio of 3.5x. Average trailing P/E is 9x in the Consumer Finance industry in the United Kingdom. Total returns to shareholders of 74% over the past three years.
Reported Earnings • Mar 12Full year 2025 earnings released: EPS: CN¥4.37 (vs CN¥0.50 in FY 2024)Full year 2025 results: EPS: CN¥4.37 (up from CN¥0.50 in FY 2024). Net income: CN¥708.6m (up CN¥616.9m from FY 2024). Over the last 3 years on average, earnings per share has increased by 75% per year but the company’s share price has only increased by 33% per year, which means it is significantly lagging earnings growth.
New Risk • Dec 15New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of British stocks, typically moving 7.3% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 31% per year over the past 5 years. Minor Risk Share price has been volatile over the past 3 months (7.3% average weekly change).
Valuation Update With 7 Day Price Move • Dec 10Investor sentiment deteriorates as stock falls 18%After last week's 18% share price decline to US$3.93, the stock trades at a trailing P/E ratio of 6.1x. Average trailing P/E is 6x in the Consumer Finance industry in the United Kingdom. Total returns to shareholders of 327% over the past three years.
Reported Earnings • Nov 28Third quarter 2025 earnings released: EPS: CN¥2.55 (vs CN¥0.73 in 3Q 2024)Third quarter 2025 results: EPS: CN¥2.55 (up from CN¥0.73 in 3Q 2024). Revenue: CN¥8.52m (down 85% from 3Q 2024). Net income: CN¥409.9m (up 211% from 3Q 2024). Over the last 3 years on average, earnings per share has increased by 84% per year but the company’s share price has only increased by 77% per year, which means it is significantly lagging earnings growth.
Valuation Update With 7 Day Price Move • Sep 26Investor sentiment improves as stock rises 16%After last week's 16% share price gain to US$4.59, the stock trades at a trailing P/E ratio of 9.9x. Average trailing P/E is 7x in the Consumer Finance industry in the United Kingdom. Total returns to shareholders of 416% over the past three years.
お知らせ • Sep 24Qudian Inc. Announces Resignation of Yingming Li as A Director, Effective September 23, 2025Qudian Inc. announced that Mr. Yingming Li has tendered his resignation as a director of the Company's board of directors for personal reasons. Mr. Li's resignation was effective as of September 23, 2025.
New Risk • Aug 15New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of British stocks, typically moving 7.4% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 39% per year over the past 5 years. Minor Risk Share price has been volatile over the past 3 months (7.4% average weekly change).
Reported Earnings • Aug 14Second quarter 2025 earnings released: EPS: CN¥1.02 (vs CN¥0.54 in 2Q 2024)Second quarter 2025 results: EPS: CN¥1.02 (up from CN¥0.54 in 2Q 2024). Net income: CN¥161.7m (up 62% from 2Q 2024). Over the last 3 years on average, earnings per share has increased by 65% per year whereas the company’s share price has increased by 60% per year.
Valuation Update With 7 Day Price Move • Jul 30Investor sentiment improves as stock rises 16%After last week's 16% share price gain to US$3.77, the stock trades at a trailing P/E ratio of 14x. Average trailing P/E is 9x in the Consumer Finance industry in the United Kingdom. Total returns to shareholders of 252% over the past three years.
Reported Earnings • Jun 02First quarter 2025 earnings released: EPS: CN¥0.90 (vs CN¥0.38 loss in 1Q 2024)First quarter 2025 results: EPS: CN¥0.90 (up from CN¥0.38 loss in 1Q 2024). Revenue: CN¥25.8m (down 54% from 1Q 2024). Net income: CN¥150.1m (up CN¥223.7m from 1Q 2024). Over the last 3 years on average, earnings per share has increased by 50% per year whereas the company’s share price has increased by 54% per year.
Board Change • Jun 02Less than half of directors are independentFollowing the recent departure of a director, there are only 2 independent directors on the board. The company's board is composed of: 2 independent directors. 3 non-independent directors. Independent Director David Cui was the last independent director to join the board, commencing their role in 2024. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.
Board Change • Mar 06Less than half of directors are independentFollowing the recent departure of a director, there are only 2 independent directors on the board. The company's board is composed of: 2 independent directors. 3 non-independent directors. Independent Director David Cui was the last independent director to join the board, commencing their role in 2024. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.
Board Change • Jan 30Less than half of directors are independentFollowing the recent departure of a director, there are only 2 independent directors on the board. The company's board is composed of: 2 independent directors. 3 non-independent directors. Independent Director David Cui was the last independent director to join the board, commencing their role in 2024. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.
New Risk • Nov 26New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of British stocks, typically moving 8.4% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 62% per year over the past 5 years. Minor Risks Share price has been volatile over the past 3 months (8.4% average weekly change). Profit margins are more than 30% lower than last year (18% net profit margin).
Reported Earnings • Nov 23Third quarter 2024 earnings released: EPS: CN¥0.73 (vs CN¥0.84 loss in 3Q 2023)Third quarter 2024 results: EPS: CN¥0.73 (up from CN¥0.84 loss in 3Q 2023). Revenue: CN¥55.0m (up 86% from 3Q 2023). Net income: CN¥131.9m (up CN¥313.1m from 3Q 2023). Over the last 3 years on average, earnings per share has fallen by 46% per year but the company’s share price has increased by 18% per year, which means it is well ahead of earnings.
Reported Earnings • Sep 06Second quarter 2024 earnings released: EPS: CN¥0.54 (vs CN¥0.34 loss in 2Q 2023)Second quarter 2024 results: EPS: CN¥0.54 (up from CN¥0.34 loss in 2Q 2023). Revenue: CN¥53.3m (up 381% from 2Q 2023). Net income: CN¥99.8m (up CN¥176.7m from 2Q 2023). Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 83 percentage points per year, which is a significant difference in performance.
New Risk • Sep 05New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of British stocks, typically moving 6.5% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 59% per year over the past 5 years. Minor Risk Share price has been volatile over the past 3 months (6.5% average weekly change).
New Risk • Jul 22New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of British stocks, typically moving 6.8% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 59% per year over the past 5 years. Minor Risk Share price has been volatile over the past 3 months (6.8% average weekly change).
Reported Earnings • Jun 14First quarter 2024 earnings released: CN¥0.38 loss per share (vs CN¥1.82 profit in 1Q 2023)First quarter 2024 results: CN¥0.38 loss per share (down from CN¥1.82 profit in 1Q 2023). Revenue: CN¥55.8m (up 156% from 1Q 2023). Net loss: CN¥73.6m (down 118% from profit in 1Q 2023). Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 70 percentage points per year, which is a significant difference in performance.
お知らせ • May 14Qudian Inc. Announces Changes to Board of DirectorsQudian Inc. announced that Mr. David Cui has replaced Mr. Shengwen Rong as a member of the board of directors (the "Board"), audit committee and compensation committee of the Company. Mr. Shengwen Rong resigned from the Board for personal reasons, effective as of May 11, 2024. Upon recommendation by the nominating and corporate governance committee of the Company, the Board resolved to appoint Mr. David Cui as a director and member of the audit committee and compensation committee to fill the positions vacated by Mr. Shengwen Rong, effective as of May 11, 2024. Mr. Cui has served as an independent non-executive director of Inkeverse Group Limited (formerly known as Inke Limited), a leading Chinese mobile live streaming company listed on the Hong Kong Stock Exchange, since June 2018, and Yalla Group Limited, since September 2020. Mr. Cui has extensive experience in public accounting and financial management. From October 2020 to May 2023, Mr. Cui served as the chief financial officer of Vipshop Holdings Limited. From August 2017 to September 2020, Mr. Cui was the chief financial officer of Huami Corporation (currently known as Zepp Health Corporation). From August 2015 to April 2017, Mr. Cui was the chief financial officer of China Digital Video Holdings Limited, a company listed on the Hong Kong Stock Exchange. Prior to that, Mr. Cui was an independent financial advisor to high growth companies on business strategies, fund raising, corporate governance and accounting matters. From April 2011 to August 2013, Mr. Cui was the chief financial officer in iKang Healthcare Group Inc., a company previously listed on the Nasdaq Global Select Market. He was an audit senior manager of Deloitte Touche Tohmatsu, China from April 2007 to April 2011. Prior to that, Mr. Cui was the financial reporting manager of Symantec Corporation. From April 2004 to August 2006, he served as an audit manager of Ernst & Young, California. Mr. Cui was a senior auditor in the Audit and Advisory Services practice of Health Net Inc., California from May 2001 to April 2004. From January 1996 to May 2001, Mr. Cui worked in public accounting in Canada and the United States. Mr. Cui has a bachelor's degree in business administration from Simon Fraser University, Canada and is a licensed CPA in the United States and Canada.
Valuation Update With 7 Day Price Move • May 14Investor sentiment deteriorates as stock falls 15%After last week's 15% share price decline to US$2.12, the stock trades at a trailing P/E ratio of 74.3x. Average trailing P/E is 8x in the Consumer Finance industry in the United Kingdom. Total returns to shareholders of 3.7% over the past three years.
Reported Earnings • Mar 19Full year 2023 earnings released: EPS: CN¥0.18 (vs CN¥1.47 loss in FY 2022)Full year 2023 results: EPS: CN¥0.18 (up from CN¥1.47 loss in FY 2022). Revenue: CN¥126.3m (down 76% from FY 2022). Net income: CN¥39.1m (up CN¥401.1m from FY 2022). Profit margin: 31% (up from net loss in FY 2022). The move to profitability was driven by lower expenses. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 73 percentage points per year, which is a significant difference in performance.
Reported Earnings • Dec 13Third quarter 2023 earnings released: CN¥0.84 loss per share (vs CN¥2.64 loss in 3Q 2022)Third quarter 2023 results: CN¥0.84 loss per share (improved from CN¥2.64 loss in 3Q 2022). Revenue: CN¥29.6m (down 69% from 3Q 2022). Net loss: CN¥181.2m (loss narrowed 72% from 3Q 2022). Over the last 3 years on average, earnings per share has fallen by 61% per year but the company’s share price has increased by 16% per year, which means it is well ahead of earnings.
Buying Opportunity • Dec 08Now 20% undervaluedOver the last 90 days, the stock is up 1.1%. The fair value is estimated to be US$2.33, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 84% over the last 3 years. Meanwhile, the company has become profitable.
Valuation Update With 7 Day Price Move • Dec 06Investor sentiment improves as stock rises 15%After last week's 15% share price gain to US$1.84, the stock trades at a trailing P/E ratio of 16.6x. Average trailing P/E is 9x in the Consumer Finance industry in the United Kingdom. Total returns to shareholders of 34% over the past three years.
Buying Opportunity • Oct 17Now 21% undervalued after recent price dropOver the last 90 days, the stock is down 13%. The fair value is estimated to be US$2.51, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 84% over the last 3 years. Meanwhile, the company has become profitable.
Buying Opportunity • Sep 08Now 27% undervaluedOver the last 90 days, the stock is up 4.4%. The fair value is estimated to be US$2.56, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 84% over the last 3 years. Meanwhile, the company has become profitable.
Reported Earnings • Sep 08Second quarter 2023 earnings releasedSecond quarter 2023 results: Revenue: CN¥11.1m (down 87% from 2Q 2022). Net loss: CN¥76.9m (loss widened 25% from 2Q 2022).
Valuation Update With 7 Day Price Move • Sep 07Investor sentiment deteriorates as stock falls 16%After last week's 16% share price decline to US$2.07, the stock trades at a trailing P/E ratio of 16.6x. Average trailing P/E is 7x in the Consumer Finance industry in the United Kingdom. Total returns to shareholders of 20% over the past three years.
Valuation Update With 7 Day Price Move • Jul 17Investor sentiment improves as stock rises 16%After last week's 16% share price gain to US$2.31, the stock trades at a trailing P/E ratio of 19.3x. Average trailing P/E is 8x in the Consumer Finance industry in the United Kingdom. Total returns to shareholders of 34% over the past three years.
Valuation Update With 7 Day Price Move • Jun 21Investor sentiment improves as stock rises 17%After last week's 17% share price gain to US$1.99, the stock trades at a trailing P/E ratio of 16.6x. Average trailing P/E is 8x in the Consumer Finance industry in the United Kingdom. Total returns to shareholders of 16% over the past three years.
New Risk • Jun 20New minor risk - Earnings qualityThe company has large one-off items impacting its financial results. One-off items were 36% of the size of the rest of the company's trailing 12-month earnings before tax. This is considered a minor risk. One-off items are incomes or expenses that the company does not expect to repeat in future periods. Examples include profits from the sale of a business or expenses from a restructuring or legal settlements. If the company's reported statutory earnings include a large proportion of one-off items it means they may be an unreliable indicator of its true business performance as the earnings were skewed by these incomes or expenses. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 42% per year over the past 5 years. Minor Risks Share price has been volatile over the past 3 months (7.9% average weekly change). Large one-off items impacting financial results.
New Risk • Jun 15New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of British stocks, typically moving 7.5% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 42% per year over the past 5 years. Minor Risk Share price has been volatile over the past 3 months (7.5% average weekly change).
Reported Earnings • Jun 12First quarter 2023 earnings released: EPS: CN¥0.002 (vs CN¥0.56 loss in 1Q 2022)First quarter 2023 results: EPS: CN¥0.002 (up from CN¥0.56 loss in 1Q 2022). Revenue: CN¥21.9k (down 100% from 1Q 2022). Net income: CN¥414.3k (up CN¥143.2m from 1Q 2022). Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 84 percentage points per year, which is a significant difference in performance.
Reported Earnings • Feb 23Full year 2022 earnings released: CN¥1.47 loss per share (vs CN¥2.32 profit in FY 2021)Full year 2022 results: CN¥1.47 loss per share (down from CN¥2.32 profit in FY 2021). Revenue: CN¥524.0m (down 67% from FY 2021). Net loss: CN¥362.0m (down 161% from profit in FY 2021). Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 62 percentage points per year, which is a significant difference in performance.
お知らせ • Feb 04Qudian Regained Compliance with NYSE Minimum Price ProvisionQudian Inc. announced that the Company has regained compliance with the New York Stock Exchange's continued listing standard for share prices as confirmed by a notification letter from the NYSE on February 1, 2023. On September 22, 2022, the NYSE notified the Company of its non-compliance with the exchange's continued listing standards because the average closing price of its American depositary shares ("ADSs") had fallen below $1.00 over a period of 30 consecutive trading days.
Reported Earnings • Nov 22Third quarter 2022 earnings releasedThird quarter 2022 results: Revenue: CN¥110.2m (down 67% from 3Q 2021). Net loss: CN¥648.0m (loss widened CN¥553.8m from 3Q 2021).
Board Change • Nov 16Less than half of directors are independentFollowing the recent departure of a director, there are only 2 independent directors on the board. The company's board is composed of: 2 independent directors. 3 non-independent directors. Independent Director Roy Rong was the last independent director to join the board, commencing their role in 2018. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.
Reported Earnings • Sep 07Second quarter 2022 earnings releasedSecond quarter 2022 results: Revenue: CN¥105.4m (down 73% from 2Q 2021). Net loss: CN¥61.3m (down 123% from profit in 2Q 2021).
Reported Earnings • Jun 16First quarter 2022 earnings released: CN¥0.56 loss per share (vs CN¥1.89 profit in 1Q 2021)First quarter 2022 results: CN¥0.56 loss per share (down from CN¥1.89 profit in 1Q 2021). Revenue: CN¥184.5m (down 63% from 1Q 2021). Net loss: CN¥142.8m (down 130% from profit in 1Q 2021).
Valuation Update With 7 Day Price Move • Jun 14Investor sentiment improved over the past weekAfter last week's 31% share price gain to US$1.08, the stock trades at a forward P/E ratio of 3x. Average forward P/E is 7x in the Consumer Finance industry in the United Kingdom. Total loss to shareholders of 53% over the past year.
Reported Earnings • May 02Full year 2021 earnings released: EPS: CN¥2.32 (vs CN¥3.78 in FY 2020)Full year 2021 results: EPS: CN¥2.32 (down from CN¥3.78 in FY 2020). Revenue: CN¥1.59b (down 56% from FY 2020). Net income: CN¥589.1m (down 39% from FY 2020). Profit margin: 37% (up from 27% in FY 2020). The increase in margin was driven by lower expenses. Over the next year, revenue is expected to shrink by 22% compared to a 105% growth forecast for the industry in the United Kingdom.
Board Change • Apr 27Less than half of directors are independentFollowing the recent departure of a director, there are only 2 independent directors on the board. The company's board is composed of: 2 independent directors. 3 non-independent directors. Independent Director Roy Rong was the last independent director to join the board, commencing their role in 2018. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.
Reported Earnings • Mar 19Full year 2021 earnings: Revenues exceed analyst expectationsFull year 2021 results: Revenue: CN¥1.65b (down 54% from FY 2020). Net income: CN¥589.1m (down 39% from FY 2020). Profit margin: 36% (up from 27% in FY 2020). The increase in margin was driven by lower expenses. Revenue exceeded analyst estimates by 4.2%. Over the next year, revenue is expected to shrink by 33% compared to a 102% growth forecast for the industry in the United Kingdom.
Reported Earnings • Dec 14Third quarter 2021 earnings: Revenues miss analyst expectationsThird quarter 2021 results: Revenue: -CN¥546.0m (down 166% from 3Q 2020). Net loss: CN¥842.5m (down 242% from profit in 3Q 2020). Revenue missed analyst estimates by 2.5%. Over the next year, revenue is expected to shrink by 25% compared to a 130% growth forecast for the industry in the United Kingdom.
Reported Earnings • Aug 25Second quarter 2021 earnings releasedThe company reported a decent second quarter result with improved earnings and profit margins, although revenues were weaker. Second quarter 2021 results: Revenue: CN¥412.1m (down 64% from 2Q 2020). Net income: CN¥269.9m (up 51% from 2Q 2020). Profit margin: 66% (up from 16% in 2Q 2020).
Reported Earnings • Jun 17First quarter 2021 earnings releasedThe company reported a decent first quarter result with improved earnings and profit margins, although revenues were weaker. First quarter 2021 results: Revenue: CN¥515.7m (down 46% from 1Q 2020). Net income: CN¥478.4m (up CN¥964.8m from 1Q 2020). Profit margin: 93% (up from net loss in 1Q 2020).
Valuation Update With 7 Day Price Move • Jun 15Investor sentiment improved over the past weekAfter last week's 18% share price gain to CN¥2.44, the stock trades at a forward P/E ratio of 3x. Average forward P/E is 17x in the Consumer Finance industry in the United Kingdom. Total returns to shareholders of 48% over the past year.
Reported Earnings • May 03Full year 2020 earnings released: EPS CN¥3.78 (vs CN¥11.72 in FY 2019)The company reported a poor full year result with weaker earnings, revenues and profit margins. Full year 2020 results: Revenue: CN¥3.62b (down 59% from FY 2019). Net income: CN¥958.8m (down 71% from FY 2019). Profit margin: 27% (down from 37% in FY 2019). The decrease in margin was driven by lower revenue.
Valuation Update With 7 Day Price Move • Apr 14Investor sentiment deteriorated over the past weekAfter last week's 15% share price decline to CN¥1.99, the stock trades at a forward P/E ratio of 2x. Average forward P/E is 15x in the Consumer Finance industry in the United Kingdom.
Reported Earnings • Mar 30Full year 2020 earnings released: EPS CN¥3.78 (vs CN¥11.72 in FY 2019)The company reported a poor full year result with weaker earnings, revenues and profit margins. Full year 2020 results: Revenue: CN¥3.62b (down 59% from FY 2019). Net income: CN¥958.8m (down 71% from FY 2019). Profit margin: 27% (down from 37% in FY 2019). The decrease in margin was driven by lower revenue.
Valuation Update With 7 Day Price Move • Mar 27Investor sentiment deteriorated over the past weekAfter last week's 18% share price decline to CN¥2.24, the stock trades at a forward P/E ratio of 4x. Average forward P/E is 14x in the Consumer Finance industry in the United Kingdom.
Valuation Update With 7 Day Price Move • Mar 11Investor sentiment improved over the past weekAfter last week's 16% share price gain to CN¥2.56, the stock is trading at a trailing P/E ratio of 8.9x, up from the previous P/E ratio of 7.7x. This compares to an average P/E of 13x in the Consumer Finance industry in the United Kingdom. Total return to shareholders over the past year is a loss of 2.5%.
Valuation Update With 7 Day Price Move • Feb 24Investor sentiment deteriorated over the past weekAfter last week's 33% share price decline to CN¥2.46, the stock is trading at a trailing P/E ratio of 11x, down from the previous P/E ratio of 16.3x. This compares to an average P/E of 15x in the Consumer Finance industry in the United Kingdom. Total return to shareholders over the past year is a loss of 1.2%.
Valuation Update With 7 Day Price Move • Feb 04Investor sentiment improved over the past weekAfter last week's 26% share price gain to CN¥2.65, the stock is trading at a trailing P/E ratio of 10.5x, up from the previous P/E ratio of 8.3x. This compares to an average P/E of 14x in the Consumer Finance industry in the United Kingdom. Total return to shareholders over the past year is a loss of 7.9%.
Valuation Update With 7 Day Price Move • Jan 11Investor sentiment improved over the past weekAfter last week's 19% share price gain to CN¥1.62, the stock is trading at a trailing P/E ratio of 6.5x, up from the previous P/E ratio of 5.4x. This compares to an average P/E of 15x in the Consumer Finance industry in the United Kingdom. Total return to shareholders over the past year is a loss of 63%.
Valuation Update With 7 Day Price Move • Jan 09Investor sentiment improved over the past weekAfter last week's 15% share price gain to CN¥1.50, the stock is trading at a trailing P/E ratio of 6.4x, up from the previous P/E ratio of 5.6x. This compares to an average P/E of 15x in the Consumer Finance industry in the United Kingdom. Total return to shareholders over the past year is a loss of 66%.
Valuation Update With 7 Day Price Move • Jan 05Investor sentiment improved over the past weekAfter last week's 16% share price gain to CN¥1.38, the stock is trading at a trailing P/E ratio of 5.5x, up from the previous P/E ratio of 4.7x. This compares to an average P/E of 14x in the Consumer Finance industry in the United Kingdom.
Valuation Update With 7 Day Price Move • Dec 31Investor sentiment improved over the past weekAfter last week's 17% share price gain to CN¥1.39, the stock is trading at a trailing P/E ratio of 5.6x, up from the previous P/E ratio of 4.8x. This compares to an average P/E of 14x in the Consumer Finance industry in the United Kingdom. Total return to shareholders over the past year is a loss of 71%.
Analyst Estimate Surprise Post Earnings • Dec 15Revenue misses expectationsRevenue missed analyst estimates by 1.7%. Over the next year, revenue is expected to shrink by 30% compared to a 56% growth forecast for the Consumer Finance industry in the United Kingdom.
Reported Earnings • Dec 15Third quarter 2020 earnings released: EPS CN¥2.33The company reported a soft third quarter result with weaker earnings and revenues, although profit margins were improved. Third quarter 2020 results: Revenue: CN¥849.4m (down 67% from 3Q 2019). Net income: CN¥592.3m (down 43% from 3Q 2019). Profit margin: 70% (up from 40% in 3Q 2019). The increase in margin was driven by lower expenses.
