Qudian (QD) AI Stock Analysis

• Market Cap: $535.60M
• Dividend Yield: N/A
• Average Volume (3M): 470.90K
• Price to Earnings (P/E): 40.5
• Beta (1Y): 0.86
• Revenue Growth: -16.27%
• EPS Growth: -88.56%
• Country: US
• Employees: 305
• Sector: Financial
• Sector Strength: 84
• Industry: Financial - Credit Services
• EPS (TTM): 0.07
• Shares Outstanding: 125,912,680
• 10 Day Avg. Volume: 462,719
• 30 Day Avg. Volume: 470,897
• PEG Ratio: 0.18
• Price to Book (P/B): N/A
• Price to Sales (P/S): 6.99
• Price to Cash Flow (P/CF): N/A
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

Qudian's overall score reflects a balanced view between strengths and weaknesses. The strong balance sheet is offset by challenges in income and cash flow, while technical indicators show some positive momentum. However, the high valuation raises concerns about future growth. The lack of detailed earnings guidance adds uncertainty.

Qudian Business Overview & Revenue Model

Company Description

Qudian Inc. is a China-based company that primarily operates in the consumer finance industry. It provides small credit products to consumers, primarily targeting young, educated, and mobile-active Chinese consumers. The company leverages big data-enabled technologies to make credit assessment and offer personalized loan products. Qudian's offerings include cash credit products and merchandise credit products, facilitating transactions through its platform.

How the Company Makes Money

Qudian makes money through interest income and service fees generated from providing credit products to consumers. The company primarily earns revenue by charging interest on the loans it provides to its customers. Additionally, it collects service fees associated with facilitating credit transactions. A significant portion of its revenue also comes from partnering with e-commerce platforms and other financial institutions to broaden its consumer reach and enhance its service offerings. These partnerships often help in acquiring new customers and expanding the company's market presence.

Qudian Financial Statement Overview

Summary

Qudian's financials exhibit a mixed picture. The income statement indicates significant challenges with declining revenues and negative profitability. The balance sheet is strong with low debt and high equity, but cash flow is inconsistent, highlighting inefficiencies in cash management.

Income Statement

The income statement reveals significant challenges, with revenues declining from previous years and a negative gross profit in the most recent period, indicating cost control issues. Net profit margin has also declined considerably, reflecting poor profitability. The company shows a negative EBIT, suggesting inefficiencies in operations and cost management.

Balance Sheet

The balance sheet is relatively strong, with a high equity ratio and low debt levels, indicating financial stability and low leverage risk. The company's stockholders' equity is strong, and it has a substantial amount of cash and cash equivalents, which provides a buffer against potential financial difficulties.

Cash Flow

Cash flow analysis shows inconsistent free cash flow and a negative growth rate, indicating challenges in generating cash from operations. Operating cash flow remains positive, but the ratio to net income suggests some inefficiencies in cash conversion. Free cash flow to net income ratio is unfavorable, highlighting potential cash management issues.

Breakdown
TTM	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement		Total Revenue
202.57M	126.34M	1.65B	1.65B	3.69B	8.84B
	Gross Profit
-27.11M	-33.78M	1.36B	1.36B	2.83B	7.94B
	EBIT
-337.93M	-331.01M	922.70M	405.77M	865.60M	3.85B
	EBITDA
-297.05M	142.75M	-163.23M	505.24M	1.29B	3.96B
	Net Income Common Stockholders
-272.12M	39.13M	589.07M	589.07M	958.82M	3.26B
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
2.50B	9.40B	8.88B	7.99B	6.58B	3.09B
	Total Assets
16.25B	12.48B	12.75B	14.07B	13.40B	18.67B
	Total Debt
4.27B	69.70M	152.05M	1.03B	1.03B	3.43B
	Net Debt
1.77B	-7.14B	-3.35B	-1.04B	-509.14M	571.80M
	Total Liabilities
5.43B	794.24M	703.72M	1.55B	1.49B	6.74B
	Stockholders Equity
10.82B	11.69B	12.04B	12.52B	11.90B	11.92B
Cash Flow		Free Cash Flow
68.16M	-213.01M	-12.76M	443.63M	2.25B	5.43B
	Operating Cash Flow
68.16M	352.02M	260.87M	922.07M	2.47B	5.50B
	Investing Cash Flow
539.75M	3.90B	1.88B	-246.58M	-3.27B	-929.56M
	Financing Cash Flow
22.11M	-565.97M	-834.99M	-84.19M	-1.59B	-3.37B

Qudian Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 2.66
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For QD, the sentiment is Negative. The current price of 2.66 is below the 20-day moving average (MA) of 2.77, below the 50-day MA of 2.85, and above the 200-day MA of 2.34, indicating a neutral trend. The MACD of -0.03 indicates Negative momentum. The RSI at 42.85 is Neutral, neither overbought nor oversold. The STOCH value of 20.50 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for QD.

Qudian Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
YRD	84 Outperform	$582.65M	2.68	17.96%	2.67%	17.07%	-8.81%
LX	79 Outperform	$1.74B	12.28	10.77%	1.15%	10.06%	0.04%
FINV	77 Outperform	$2.56B	7.98	16.47%	2.40%	2.51%	7.06%
JFIN	74 Outperform	$622.60M	3.97	46.42%	7.45%	19.46%	-22.51%
Sector *	64 Neutral	$14.59B	10.31	8.70%	4.21%	16.52%	-11.97%
QD	54 Neutral	$535.60M	40.52	0.80%	―	-16.27%	-88.56%