Qudian Inc. provides online small consumer credit products 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 +/- 16% a week.
Volatility Over Time: QD's weekly volatility (16%) 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 105.3% over the past year.
Return vs Market: QD underperformed the US Market which returned 53.9% 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
2 weeks ago | Simply Wall StAnalysts Are More Bearish On Qudian Inc. (NYSE:QD) Than They Used To Be
1 month ago | Simply Wall StWhat Kind Of Shareholders Hold The Majority In Qudian Inc.'s (NYSE:QD) Shares?
4 months ago | Simply Wall StDo Insiders Own Lots Of Shares In Qudian Inc. (NYSE:QD)?
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 ($1.88) is trading below our estimate of fair value ($15.89)
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 (3.2x) compared to the US Consumer Finance industry average (12x).
PE vs Market: QD is good value based on its PE Ratio (3.2x) compared to the US market (22.5x).
Price to Earnings Growth Ratio
PEG Ratio: QD is poor value based on its PEG Ratio (6.7x)
Price to Book Ratio
PB vs Industry: QD is good value based on its PB Ratio (0.3x) compared to the US Consumer Finance industry average (1.8x).
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 forecast earnings growth (0.5% per year) is below the savings rate (2%).
Earnings vs Market: QD's earnings (0.5% per year) are forecast to grow slower than the US market (18.1% per year).
High Growth Earnings: QD's earnings are forecast to grow, but not significantly.
Revenue vs Market: QD's revenue (3.8% per year) is forecast to grow slower than the US market (9.3% per year).
High Growth Revenue: QD's revenue (3.8% 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 (7.1%).
How has Qudian performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: QD has high quality earnings.
Growing Profit Margin: QD's current net profit margins (26.5%) are lower than last year (37%).
Past Earnings Growth Analysis
Earnings Trend: QD has become profitable over the past 5 years, growing earnings by 17.1% per year.
Accelerating Growth: QD's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: QD had negative earnings growth (-70.5%) over the past year, making it difficult to compare to the Consumer Finance industry average (-21.4%).
Return on Equity
High ROE: QD's Return on Equity (8.1%) is considered low.
How is Qudian's financial position?
Financial Position Analysis
Short Term Liabilities: QD's short term assets (CN¥11.7B) exceed its short term liabilities (CN¥472.6M).
Long Term Liabilities: QD's short term assets (CN¥11.7B) exceed its long term liabilities (CN¥1.0B).
Debt to Equity History and Analysis
Debt Level: QD's debt to equity ratio (7.8%) is considered satisfactory.
Reducing Debt: QD had negative shareholder equity 5 years ago, but is now positive and has therefore improved.
Debt Coverage: QD's debt is well covered by operating cash flow (595.3%).
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 (37 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 (6.3 years average tenure).
Experienced Board: QD's board of directors are not considered experienced ( 2.7 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$476.878m
- Shares outstanding: 253.01m
- Website: https://www.qudian.com
Number of Employees
- Qudian Inc.
- Tower A
- AVIC Zijin Plaza
- Fujian Province
Qudian Inc. provides online small consumer credit products in the People’s Republic of China. It uses big data-enabled technologies, including artificial intelligence and machine learning to transform the ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/04/16 22:54|
|End of Day Share Price||2021/04/16 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.