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Qudian Inc (QD)
NYSE:QD
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Qudian (QD) AI Stock Analysis

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QD

Qudian

(NYSE:QD)

Rating:70Outperform
Price Target:
$5.00
▲(21.95% Upside)
Qudian's stock score is primarily influenced by strong technical indicators, suggesting positive market momentum, despite financial challenges. While the P/E ratio is reasonable, the absence of a dividend yield and financial performance concerns temper the overall attractiveness.

Qudian (QD) vs. SPDR S&P 500 ETF (SPY)

Qudian Business Overview & Revenue Model

Company DescriptionQudian Inc. is a China-based company that primarily operates in the consumer finance sector. The company offers small cash credit products to underbanked consumers through its online platform. By leveraging big data analytics and technology, Qudian provides accessible and convenient credit solutions, helping consumers meet short-term cash needs.
How the Company Makes MoneyQudian makes money primarily through the interest and fees charged on the credit products it offers to consumers. The company extends small loans to individuals, who then repay with interest over a specified period. Qudian utilizes technology-driven risk management to assess creditworthiness and manage its lending portfolio. Additionally, the company may generate revenue through service fees for facilitating transactions and partnerships with other financial institutions seeking to reach underbanked populations in China. Qudian's revenue model is heavily reliant on its ability to manage credit risk and maintain a low default rate among its borrowers.

Qudian Financial Statement Overview

Summary
Qudian faces significant challenges with declining revenue and profitability, coupled with inconsistent cash flow performance. While the balance sheet reveals financial stability with low leverage, the income and cash flow statements highlight operational inefficiencies and liquidity concerns.
Income Statement
42
Neutral
Qudian's income statement reflects significant challenges. Revenue has experienced a sharp decline from 2019 to 2024, with recent periods showing negative growth. The gross profit margin has deteriorated, turning negative in 2023, and the net profit margin has been inconsistent, though it was positive in 2024. The EBIT margin and EBITDA margin also highlight operational inefficiencies, particularly in the latest year with negative EBIT. These trends suggest declining profitability and potential operational challenges.
Balance Sheet
68
Positive
The balance sheet remains relatively stable with strong equity levels, as indicated by a high equity ratio. The company has maintained a low debt-to-equity ratio, suggesting prudent leverage management. However, the return on equity has fluctuated, indicating potential challenges in generating returns on shareholder investments. Overall, the company's balance sheet reflects financial stability but mixed profitability performance.
Cash Flow
55
Neutral
Qudian's cash flow statement indicates volatility, particularly with free cash flow, which was negative in recent years, reflecting potential liquidity challenges. The operating cash flow to net income ratio has shown inconsistency, suggesting issues in converting earnings to cash. Despite these challenges, the company has managed positive financing cash flow in the latest period, indicating external funding support. The cash flow trends highlight liquidity management as a key area for improvement.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue216.43M126.34M577.49M1.65B3.69B
Gross Profit15.40M-33.78M194.40M1.36B2.83B
EBITDA213.00M142.75M-201.86M961.87M1.29B
Net Income91.73M39.13M-361.96M589.07M958.82M
Balance Sheet
Total Assets12.46B12.48B12.75B14.07B13.40B
Cash, Cash Equivalents and Short-Term Investments7.39B9.40B8.88B7.99B6.58B
Total Debt787.40M69.70M152.05M1.03B1.03B
Total Liabilities1.17B794.24M703.72M1.55B1.49B
Stockholders Equity11.29B11.69B12.04B12.52B11.90B
Cash Flow
Free Cash Flow-429.00M-213.01M-12.76M443.63M2.25B
Operating Cash Flow-111.00M352.02M260.87M922.07M2.47B
Investing Cash Flow-2.34B3.90B1.88B-246.58M-3.27B
Financing Cash Flow186.84M-565.97M-834.99M-84.19M-1.59B

Qudian Technical Analysis

Technical Analysis Sentiment
Positive
Last Price4.10
Price Trends
50DMA
3.23
Positive
100DMA
2.96
Positive
200DMA
2.84
Positive
Market Momentum
MACD
0.26
Negative
RSI
66.47
Neutral
STOCH
70.55
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For QD, the sentiment is Positive. The current price of 4.1 is above the 20-day moving average (MA) of 3.57, above the 50-day MA of 3.23, and above the 200-day MA of 2.84, indicating a bullish trend. The MACD of 0.26 indicates Negative momentum. The RSI at 66.47 is Neutral, neither overbought nor oversold. The STOCH value of 70.55 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for QD.

Qudian Risk Analysis

Qudian disclosed 101 risk factors in its most recent earnings report. Qudian reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

Qudian Peers Comparison

Overall Rating
UnderperformOutperform
Sector (67)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
79
Outperform
$2.15B6.1817.91%3.10%5.13%25.93%
73
Outperform
$496.84M2.7014.69%6.85%12.45%-36.64%
73
Outperform
$1.09B6.1014.86%2.83%3.11%95.40%
70
Outperform
$653.90M16.942.77%0.54%
70
Outperform
$537.38M-0.62%19.12%75.50%
67
Neutral
¥764.29B11.157.42%3.20%7.66%14.08%
64
Neutral
$599.20M29.9633.40%276.86%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
QD
Qudian
4.10
2.41
142.60%
GDOT
Green Dot
9.70
0.85
9.60%
YRD
Yiren Digital
5.69
1.65
40.84%
FINV
FinVolution Group
8.93
3.62
68.17%
LX
Lexinfintech Holdings
6.43
4.86
309.55%
FOA
Finance of America Companies
24.48
17.36
243.82%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Aug 05, 2025