Qudian Inc. operates a technology platform for the enhancement of online consumer finance experience in the People’s Republic of China. More Details
Flawless balance sheet and undervalued.
Share Price & News
How has Qudian's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: QD is more volatile than 75% of US stocks over the past 3 months, typically moving +/- 10% a week.
Volatility Over Time: QD's weekly volatility (10%) has been stable over the past year, but is still higher than 75% of US stocks.
7 Day Return
US Consumer Finance
1 Year Return
US Consumer Finance
Return vs Industry: QD underperformed the US Consumer Finance industry which returned 93.8% over the past year.
Return vs Market: QD underperformed the US Market which returned 37.8% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Qudian's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 month ago | Simply Wall StParty Time: Brokers Just Made Major Increases To Their Qudian Inc. (NYSE:QD) Earnings Forecasts
1 month ago | Simply Wall StWhat You Need To Know About Qudian Inc.'s (NYSE:QD) Investor Composition
2 months ago | Simply Wall StReflecting on Qudian's (NYSE:QD) Share Price Returns Over The Last Three Years
Is Qudian undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: QD ($1.72) is trading below our estimate of fair value ($18.53)
Significantly Below Fair Value: QD is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: QD is good value based on its PE Ratio (1.5x) compared to the US Consumer Finance industry average (7.8x).
PE vs Market: QD is good value based on its PE Ratio (1.5x) compared to the US market (18.4x).
Price to Earnings Growth Ratio
PEG Ratio: QD's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: QD is good value based on its PB Ratio (0.2x) compared to the US Consumer Finance industry average (1.4x).
How is Qudian forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: QD's earnings are forecast to decline over the next 3 years (-24.5% per year).
Earnings vs Market: QD's earnings are forecast to decline over the next 3 years (-24.5% per year).
High Growth Earnings: QD's earnings are forecast to decline over the next 3 years.
Revenue vs Market: QD's revenue (14% per year) is forecast to grow faster than the US market (9.2% per year).
High Growth Revenue: QD's revenue (14% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: QD's Return on Equity is forecast to be low in 3 years time (6.5%).
How has Qudian performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: QD has a large one-off gain of CN¥824.7M impacting its March 31 2021 financial results.
Growing Profit Margin: QD's current net profit margins (60.7%) are higher than last year (23.9%).
Past Earnings Growth Analysis
Earnings Trend: QD has become profitable over the past 5 years, growing earnings by 8.9% per year.
Accelerating Growth: QD's earnings growth over the past year (5.2%) is below its 5-year average (8.9% per year).
Earnings vs Industry: QD earnings growth over the past year (5.2%) underperformed the Consumer Finance industry 109.4%.
Return on Equity
High ROE: QD's Return on Equity (15.5%) is considered low.
How is Qudian's financial position?
Financial Position Analysis
Short Term Liabilities: QD's short term assets (CN¥12.2B) exceed its short term liabilities (CN¥514.6M).
Long Term Liabilities: QD's short term assets (CN¥12.2B) exceed its long term liabilities (CN¥1.1B).
Debt to Equity History and Analysis
Debt Level: QD's debt to equity ratio (7.8%) is considered satisfactory.
Reducing Debt: QD's debt to equity ratio has reduced from 622.2% to 7.8% over the past 5 years.
Debt Coverage: QD's debt is well covered by operating cash flow (254.1%).
Interest Coverage: QD earns more interest than it pays, so coverage of interest payments is not a concern.
What is Qudian current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate QD's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate QD's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if QD's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if QD's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of QD's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Min Luo (38 yo)
Mr. Min Luo is Founder, Chairman of Board of Directors, and, since the inception of Qudian Inc. in 2014, has served as Chief Executive Officer. Prior to founding Qudian Inc., Mr. Luo served as a Vice Presi...
Experienced Management: QD's management team is seasoned and experienced (6.5 years average tenure).
Experienced Board: QD's board of directors are not considered experienced ( 2.9 years average tenure), which suggests a new board.
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Qudian Inc.'s company bio, employee growth, exchange listings and data sources
- Name: Qudian Inc.
- Ticker: QD
- Exchange: NYSE
- Founded: 2014
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: US$435.312m
- Shares outstanding: 253.09m
- Website: https://www.qudian.com
Number of Employees
- Qudian Inc.
- Tower A
- Level 39
- Fujian Province
Qudian Inc. operates a technology platform for the enhancement of online consumer finance experience in the People’s Republic of China. Its technology platform enables credit providers to offer consumer cr...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/07/28 02:11|
|End of Day Share Price||2021/07/27 00:00|
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.