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China Lending

Nasdaq:CLDC
Snowflake Description

Adequate balance sheet with moderate growth potential.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
CLDC
Nasdaq
$31M
Market Cap
  1. Home
  2. US
  3. Diversified Financials
Company description

China Lending Corporation, through its subsidiaries, provides direct lending services in the Xinjiang Uyghur Autonomous Region of the People’s Republic of China. The last earnings update was 218 days ago. More info.


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  • China Lending has significant price volatility in the past 3 months.
CLDC Share Price and Events
7 Day Returns
-0.8%
NasdaqCM:CLDC
3.3%
US Consumer Finance
2.4%
US Market
1 Year Returns
-39.5%
NasdaqCM:CLDC
-0.1%
US Consumer Finance
1.9%
US Market
CLDC Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
China Lending (CLDC) -0.8% 8.7% 17.9% -39.5% - -
US Consumer Finance 3.3% 3.2% 15.8% -0.1% 50.8% 21.3%
US Market 2.4% 1.7% 11.9% 1.9% 38.2% 42.4%
1 Year Return vs Industry and Market
  • CLDC underperformed the Consumer Finance industry which returned -0.1% over the past year.
  • CLDC underperformed the Market in United States of America which returned 1.9% over the past year.
Price Volatility
CLDC
Industry
5yr Volatility vs Market

Value

 Is China Lending undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of China Lending to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data    Our intrinsic value calculation method has changed recently, learn more here.

Below are the data sources, inputs and calculation used to determine the intrinsic value for China Lending.

NasdaqCM:CLDC Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= $4.79 * 13.3%
$0.64
Book Value of Equity per Share Median Book Value from the past 5 years. $4.79
Discount Rate (Cost of Equity) See below 10.1%
Perpetual Growth Rate 10-Year US Government Bond Rate 2.7%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for NasdaqCM:CLDC
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year US Govt Bond Rate 2.7%
Equity Risk Premium S&P Global 6%
Consumer Finance Unlevered Beta Simply Wall St/ S&P Global 0.68
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.684 (1 + (1- 25%) (136.47%))
1.242
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.24
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.73% + (1.242 * 5.96%)
10.13%

Discounted Cash Flow Calculation for NasdaqCM:CLDC using Excess Returns Model Model

The calculations below outline how an intrinsic value for China Lending is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

NasdaqCM:CLDC Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (13.3% – 10.13%) * $4.79)
$0.15
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= $0.15 / (10.13% - 2.73%)
$2.04
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= $4.79 + $2.04
$6.83
NasdaqCM:CLDC Discount to Share Price
Calculation Result
Value per share (USD) From above. $6.83
Current discount Discount to share price of $1.25
= -1 x ($1.25 - $6.83) / $6.83
81.7%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price China Lending is available for.
Intrinsic value
>50%
Share price is $1.25 vs Future cash flow value of $6.83
Current Discount Checks
For China Lending to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • China Lending's share price is below the future cash flow value, and at a moderate discount (> 20%).
  • China Lending's share price is below the future cash flow value, and at a substantial discount (> 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for China Lending's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are China Lending's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
NasdaqCM:CLDC PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-06-30) in USD $-6.21
NasdaqCM:CLDC Share Price ** NasdaqCM (2019-03-18) in USD $1.25
United States of America Consumer Finance Industry PE Ratio Median Figure of 29 Publicly-Listed Consumer Finance Companies 9.36x
United States of America Market PE Ratio Median Figure of 3,055 Publicly-Listed Companies 17.61x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of China Lending.

NasdaqCM:CLDC PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= NasdaqCM:CLDC Share Price ÷ EPS (both in USD)

= 1.25 ÷ -6.21

-0.2x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • China Lending is loss making, we can't compare its value to the US Consumer Finance industry average.
  • China Lending is loss making, we can't compare the value of its earnings to the United States of America market.
Price based on expected Growth
Does China Lending's expected growth come at a high price?
Raw Data
NasdaqCM:CLDC PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section -0.2x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
79.5%per year
United States of America Consumer Finance Industry PEG Ratio Median Figure of 24 Publicly-Listed Consumer Finance Companies 0.59x
United States of America Market PEG Ratio Median Figure of 2,109 Publicly-Listed Companies 1.48x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for China Lending, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on China Lending's assets?
Raw Data
NasdaqCM:CLDC PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-06-30) in USD $0.26
NasdaqCM:CLDC Share Price * NasdaqCM (2019-03-18) in USD $1.25
United States of America Consumer Finance Industry PB Ratio Median Figure of 41 Publicly-Listed Consumer Finance Companies 1.47x
United States of America Market PB Ratio Median Figure of 5,152 Publicly-Listed Companies 1.87x
NasdaqCM:CLDC PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= NasdaqCM:CLDC Share Price ÷ Book Value per Share (both in USD)

= 1.25 ÷ 0.26

4.85x

* Primary Listing of China Lending.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • China Lending is overvalued based on assets compared to the US Consumer Finance industry average.
X
Value checks
We assess China Lending's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Consumer Finance industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Consumer Finance industry average (and greater than 0)? (1 check)
  5. China Lending has a total score of 2/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is China Lending expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

  • No analysts cover China Lending, future earnings growth has been estimated based on fundamentals.
The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
79.5%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is China Lending expected to grow at an attractive rate?
  • China Lending's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Growth vs Market Checks
  • China Lending's earnings growth is expected to exceed the United States of America market average.
  • Unable to compare China Lending's revenue growth to the United States of America market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
NasdaqCM:CLDC Future Growth Rates Data Sources
Data Point Source Value (per year)
NasdaqCM:CLDC Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts 79.5%
United States of America Consumer Finance Industry Earnings Growth Rate Market Cap Weighted Average 3.7%
United States of America Consumer Finance Industry Revenue Growth Rate Market Cap Weighted Average 13%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 14.3%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.1%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
NasdaqCM:CLDC Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (8 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
NasdaqCM:CLDC Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2018-06-30 -108 -115
2018-03-31 -78 -86
2017-12-31 -46 10 -55
2017-09-30 3 17 -3
2017-06-30 24 15
2017-03-31 27 18
2016-12-31 26 23 17
2016-09-30 26 23 17
2016-06-30 24 20 16
2016-03-31 22 20 14
2015-12-31 22 16 14
2015-09-30 23 19 15

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • China Lending's earnings are expected to grow significantly at over 20% yearly.
  • Unable to determine if China Lending is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
NasdaqCM:CLDC Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (8 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from China Lending Company Filings, last reported 8 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqCM:CLDC Past Financials Data
Date (Data in USD Millions) EPS *
2018-06-30 -6.21
2018-03-31 -4.75
2017-12-31 -3.20
2017-09-30 -0.17
2017-06-30 0.96
2017-03-31 1.06
2016-12-31 0.92
2016-09-30 0.87
2016-06-30 0.82
2016-03-31 0.70
2015-12-31 0.68
2015-09-30 0.76

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if China Lending will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
X
Future performance checks
We assess China Lending's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
China Lending has a total score of 3/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has China Lending performed over the past 5 years?

  • China Lending's last earnings update was 218 days ago.
The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare China Lending's growth in the last year to its industry (Consumer Finance).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • China Lending does not make a profit and their year on year earnings growth rate was negative over the past 5 years.
  • Unable to compare China Lending's 1-year earnings growth to the 5-year average as it is not currently profitable.
  • Unable to compare China Lending's 1-year growth to the US Consumer Finance industry average as it is not currently profitable.
Earnings and Revenue History
China Lending's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from China Lending Company Filings, last reported 8 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqCM:CLDC Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-06-30 -108.41 -115.50 0.41
2018-03-31 -77.58 -85.93 0.60
2017-12-31 -45.57 -55.47 0.81
2017-09-30 2.56 -2.74 1.32
2017-06-30 23.96 14.97 1.44
2017-03-31 26.93 17.65 1.37
2016-12-31 26.02 16.95 1.27
2016-09-30 25.57 17.24 1.15
2016-06-30 24.26 16.41 1.09
2016-03-31 22.11 13.97 1.02
2015-12-31 22.14 14.12 0.92
2015-09-30 22.68 15.16 0.76
2015-06-30 21.79 14.56 0.67
2015-03-31 18.84 12.99 0.64
2014-12-31 16.41 11.31 0.65
2013-12-31 10.59 7.02 0.43

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • It is difficult to establish if China Lending has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.
  • It is difficult to establish if China Lending has efficiently used its assets last year compared to the US Consumer Finance industry average (Return on Assets) as it is loss-making.
  • It is difficult to establish if China Lending improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.
X
Past performance checks
We assess China Lending's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Consumer Finance industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
China Lending has a total score of 0/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is China Lending's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up China Lending's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • China Lending is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • China Lending's cash and other short term assets cover its long term commitments.
Balance sheet
This treemap shows a more detailed breakdown of China Lending's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • Debt is covered by short term assets, assets are 1.7x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from China Lending Company Filings, last reported 8 months ago.

NasdaqCM:CLDC Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2018-06-30 15.43 41.84 0.62
2018-03-31 15.43 41.84 0.62
2017-12-31 66.75 47.01 1.22
2017-09-30 115.54 45.90 1.26
2017-06-30 127.72 41.07 2.78
2017-03-31 121.15 38.84 3.64
2016-12-31 113.17 39.56 4.50
2016-09-30 117.56 37.22 8.09
2016-06-30 110.68 35.34 0.56
2016-03-31 107.78 42.73 0.57
2015-12-31 103.37 40.14 6.73
2015-09-30 107.97 30.77 2.42
2015-06-30 109.53 36.03 0.50
2015-03-31 101.33 23.48 0.12
2014-12-31 101.33 23.48 0.12
2013-12-31 52.56 15.54 0.20
  • China Lending's level of debt (271.1%) compared to net worth is high (greater than 40%).
  • Unable to establish if China Lending's debt level has increased without past 5-year debt data.
CASH RUNWAY ANALYSIS

For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.

  • Whilst loss making China Lending has sufficient cash runway for more than 3 years if it maintains the current positive free cash flow level.
  • Whilst loss making China Lending has sufficient cash runway for more than 3 years, even with free cash flow being positive and shrinking by % per year.
X
Financial health checks
We assess China Lending's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. China Lending has a total score of 4/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is China Lending's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from China Lending dividends.
If you bought $2,000 of China Lending shares you are expected to receive $0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate China Lending's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate China Lending's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
NasdaqCM:CLDC Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
United States of America Consumer Finance Industry Average Dividend Yield Market Cap Weighted Average of 13 Stocks 1.9%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2004 Stocks 2.5%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.4%
United States of America Top 25% Dividend Yield 75th Percentile 3.6%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as China Lending has not reported any payouts.
  • Unable to verify if China Lending's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of China Lending's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as China Lending has not reported any payouts.
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess China Lending's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can China Lending afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. China Lending has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of China Lending's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Jingping Li
COMPENSATION $82,500
AGE 53
CEO Bio

Ms. Jingping Li is a Co-Founder of China Lending Corporation and also has been its Chairwoman since August 5, 2016. Ms. Li also serves as Chief Executive Officer and President of China Lending Corporation. She is a Co-Owner of Yangwei Global Limited. She served as the Chief Financial Officer of China Lending Corporation since July 20, 2017. She worked for the Urumqi Municipal Mining Bureau. She was General Manager of Feng Hui since 2009. From 2000 to 2009, Ms. Li was Founder and Chairman of Jichen Financial Consultancy Co., Ltd.

CEO Compensation
  • Jingping's compensation has increased whilst company is loss making.
  • Insufficient data for Jingping to establish whether their remuneration is reasonable compared to companies of similar size in United States of America.
Management Team

Jingping Li

TITLE
Co-Founder
COMPENSATION
$83K
AGE
53

Hong Wang

TITLE
Vice President
COMPENSATION
$45K
AGE
46

Tony Tian

TITLE
Investor Relations

Quan Zhou

TITLE
VP & Director
AGE
46

Yonggang Qiao

TITLE
Chief Risk Management Advisor of Feng Hui Ding Xin (Beijing) Financial Consulting Limited
AGE
56
Board of Directors Tenure

Average tenure and age of the China Lending board of directors in years:

2.2
Average Tenure
48
Average Age
  • The average tenure for the China Lending board of directors is less than 3 years, this suggests a new board.
Board of Directors

Jingping Li

TITLE
Co-Founder
COMPENSATION
$83K
AGE
53
TENURE
2.6 yrs

Quan Zhou

TITLE
VP & Director
AGE
46
TENURE
2.2 yrs

Si Shen

TITLE
Independent Director
AGE
65
TENURE
3.2 yrs

John Chen

TITLE
Independent Director
AGE
46
TENURE
1.7 yrs

Du Xiangyang

TITLE
Independent Director
AGE
48
TENURE
1.2 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
X
Management checks
We assess China Lending's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. China Lending has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

Should China Lending Corporation's (NASDAQ:CLDC) Recent Earnings Decline Worry You?

Today I will examine China Lending Corporation's (NASDAQ:CLDC) latest earnings update (30 September 2017) and compare these figures against its performance over the past couple of years, in addition to how the rest of CLDC's industry performed. … View our latest analysis for China Lending Commentary On CLDC's Past Performance For the purpose of this commentary, I like to use the ‘latest twelve-month’ data, which annualizes the latest 6-month earnings release, or some times, the latest annual report is already the most recent financial data. … NasdaqCM:CLDC Income Statement Mar 19th 18 We can further examine China Lending's loss by looking at what the industry has been experiencing over the past few years.

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Why China Lending Corporation's (CLDC) CEO Pay Check Matters To You

Check out our latest analysis for China Lending What has CLDC performance been like? … Therefore I will use earnings as a proxy of Li's performance in the past year. … Typically I would look at market cap and earnings as a proxy for performance, however, CLDC's negative earnings lower the usefulness of my formula.

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Company Info

Description

China Lending Corporation, through its subsidiaries, provides direct lending services in the Xinjiang Uyghur Autonomous Region of the People’s Republic of China. It offers loans to micro, small, and medium sized enterprises; and sole proprietors. The company also provides financial consulting services. It serves customers in commerce and service, energy and mining, real estate, agriculture and husbandry, supply chain financing, manufacturing, consumer credit, and other industries. China Lending Corporation was founded in 2009 and is based in Urumqi, the People’s Republic of China.

Details
Name: China Lending Corporation
CLDC
Exchange: NasdaqCM
Founded: 2009
$30,658,623
24,526,899
Website: http://www.chinalending.com
Address: China Lending Corporation
Satellite Building,
11th Floor,
Urumqi,
Xinjiang Uygur Province, 830000,
China
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NasdaqCM CLDC Common Stock Nasdaq Capital Market US USD 07. Jul 2016
BST 1L1 Common Stock Boerse-Stuttgart DE EUR 07. Jul 2016
Number of employees
Current staff
Staff numbers
27
China Lending employees.
Industry
Consumer Finance
Diversified Financials
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/03/19 00:43
End of day share price update: 2019/03/18 00:00
Last earnings filing: 2018/08/13
Last earnings reported: 2018/06/30
Last annual earnings reported: 2017/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.