We’ve recently updated our valuation analysis.

Qudian Valuation

Is QD undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

4/6

Valuation Score 4/6

  • Price-To-Book vs Peers

  • Price-To-Book vs Industry

  • Price-To-Book vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • Analyst Forecast

Key Valuation Metric

Which metric is best to use when looking at relative valuation for QD?

Other financial metrics that can be useful for relative valuation.

QD key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ration/a

Price to Book Ratio vs Peers

How does QD's PB Ratio compare to its peers?

QD PB Ratio vs Peers
The above table shows the PB ratio for QD vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPBEstimated GrowthMarket Cap
Peer Average1.1x
CURO CURO Group Holdings
1.4x112.1%US$162.3m
YRD Yiren Digital
0.1x-58.9%US$91.3m
ML MoneyLion
1x-26.9%US$216.7m
JFIN Jiayin Group
1.9xn/aUS$117.2m
QD Qudian
0.1x63.9%US$227.2m

Price-To-Book vs Peers: QD is good value based on its Price-To-Book Ratio (0.1x) compared to the peer average (1.1x).


Price to Earnings Ratio vs Industry

How does QD's PE Ratio compare vs other companies in the US Consumer Finance Industry?

Price-To-Book vs Industry: QD is good value based on its Price-To-Book Ratio (0.1x) compared to the US Consumer Finance industry average (0.9x)


Price to Book Ratio vs Fair Ratio

What is QD's PB Ratio compared to its Fair PB Ratio? This is the expected PB Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

QD PB Ratio vs Fair Ratio.
Fair Ratio
Current PB Ratio0.1x
Fair PB Ration/a

Price-To-Book vs Fair Ratio: Insufficient data to calculate QD's Price-To-Book Fair Ratio for valuation analysis.


Share Price vs Fair Value

What is the Fair Price of QD when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: QD ($0.9) is trading below our estimate of fair value ($11.62)

Significantly Below Fair Value: QD is trading below fair value by more than 20%.


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Insufficient data to show price forecast.


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