Market Cap
US$551.6m
Last Updated
2021/04/11 22:30 UTC
Data Sources
Company Financials +
Executive Summary
Qudian Inc. provides online small consumer credit products in the People’s Republic of China. More Details
Rewards
Risk Analysis
Snowflake Analysis
Flawless balance sheet and undervalued.
Similar Companies
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.
Market Performance
7 Day Return
-4.8%
QD
1.7%
US Consumer Finance
2.1%
US Market
1 Year Return
21.1%
QD
86.4%
US Consumer Finance
56.3%
US Market
Return vs Industry: QD underperformed the US Consumer Finance industry which returned 86.4% over the past year.
Return vs Market: QD underperformed the US Market which returned 56.3% over the past year.
Shareholder returns
| QD | Industry | Market | |
|---|---|---|---|
| 7 Day | -4.8% | 1.7% | 2.1% |
| 30 Day | -16.2% | 0.4% | 2.4% |
| 90 Day | 36.3% | 18.4% | 6.8% |
| 1 Year | 21.1%21.1% | 90.4%86.4% | 59.1%56.3% |
| 3 Year | -79.2%-79.2% | 46.9%39.1% | 65.7%55.1% |
| 5 Year | n/a | 121.1%102.3% | 122.3%97.7% |
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 week ago | Simply Wall St
Analysts Are More Bearish On Qudian Inc. (NYSE:QD) Than They Used To Be4 weeks ago | Simply Wall St
What Kind Of Shareholders Hold The Majority In Qudian Inc.'s (NYSE:QD) Shares?4 months ago | Simply Wall St
Do Insiders Own Lots Of Shares In Qudian Inc. (NYSE:QD)?Valuation
Is Qudian undervalued compared to its fair value and its price relative to the market?
>50%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: QD ($2.18) is trading below our estimate of fair value ($17.14)
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 (3.8x) compared to the US Consumer Finance industry average (11.9x).
PE vs Market: QD is good value based on its PE Ratio (3.8x) compared to the US market (22.3x).
Price to Earnings Growth Ratio
PEG Ratio: QD is poor value based on its PEG Ratio (7.8x)
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 (2x).
Future Growth
How is Qudian forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?
0.5%
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 (18.6% 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 (9.9% 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%).
Past Performance
How has Qudian performed over the past 5 years?
17.1%
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.
Financial Health
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.
Balance Sheet
Dividend
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.
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
6.3yrs
Average management tenure
CEO
Min Luo (37 yo)
7.25yrs
Tenure
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...
Leadership Team
Experienced Management: QD's management team is seasoned and experienced (6.3 years average tenure).
Board Members
Experienced Board: QD's board of directors are not considered experienced ( 2.7 years average tenure), which suggests a new board.
Ownership
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.
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
Qudian Inc.'s company bio, employee growth, exchange listings and data sources
Key Information
- Name: Qudian Inc.
- Ticker: QD
- Exchange: NYSE
- Founded: 2014
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: US$551.551m
- Shares outstanding: 253.01m
- Website: https://www.qudian.com
Number of Employees
Location
- Qudian Inc.
- Tower A
- AVIC Zijin Plaza
- Xiamen
- Fujian Province
- 361000
- China
Listings
Biography
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 | 2021/04/11 22:30 |
| End of Day Share Price | 2021/04/09 00:00 |
| Earnings | 2020/12/31 |
| Annual Earnings | 2020/12/31 |
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.