Qudian (QD) AI Stock Analysis

• Market Cap: $477.22M
• Dividend Yield: N/A
• Average Volume (3M): 322.59K
• Price to Earnings (P/E): 12.1
• Beta (1Y): 0.93
• Revenue Growth: 0.54%
• EPS Growth: N/A
• Country: US
• Employees: 262
• Sector: Financial
• Sector Strength: 74
• Industry: Financial - Credit Services
• EPS (TTM): 0.12
• Shares Outstanding: 125,912,680
• 10 Day Avg. Volume: 176,393
• 30 Day Avg. Volume: 322,589
• PEG Ratio: 0.00
• Price to Book (P/B): 0.14
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -130.60
• 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

• Rating: 64 Neutral
• Price Target: $3.00 ▲(4.17%Upside)

Qudian's stock score is primarily influenced by its financial performance and technical analysis. The significant challenges in financial performance, with declining revenue and profitability, are major concerns. However, positive market momentum and a reasonable valuation provide some balance. The lack of earnings call data and corporate events means these factors do not affect the score.

Qudian Business Overview & Revenue Model

Company Description

Qudian Inc. operates as a consumer-oriented technology company in the People's Republic of China. The company provides small cash credit products to consumers; and financial leasing and financing guarantee services, as well as technology development and services. It also offers ready-to-cook meal products for working-class consumers. The company was founded in 2014 and is headquartered in Xiamen, the People's Republic of China.

How the Company Makes Money

Qudian generates revenue primarily through interest income from its credit products, which include cash credit and merchandise credit offerings. The company utilizes an online platform to facilitate these financial services, charging interest rates and fees on the credit extended to consumers. Additionally, Qudian benefits from partnerships with e-commerce platforms and other financial institutions, which help expand its user base and increase the volume of transactions. Revenue is further supported by the use of advanced risk management tools that enhance credit assessment and minimize defaults, thereby optimizing returns.

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

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

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

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.

Breakdown
TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
227.99M	216.43M	126.34M	577.49M	1.65B	3.69B
	Gross Profit
-4.32M	15.41M	-33.78M	194.40M	1.36B	2.83B
	EBIT
-304.12M	-308.15M	-331.01M	-329.50M	922.70M	865.60M
	EBITDA
-263.35M	213.00M	142.75M	-201.86M	961.87M	1.29B
	Net Income Common Stockholders
41.02M	91.73M	39.13M	-361.96M	589.07M	958.82M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
7.32B	7.39B	9.40B	8.88B	7.99B	6.58B
	Total Assets
12.55B	12.46B	12.48B	12.75B	14.07B	13.40B
	Total Debt
791.51M	787.40M	69.70M	152.05M	1.03B	1.03B
	Net Debt
-4.06B	-3.48B	-7.14B	-3.35B	-1.04B	-509.14M
	Total Liabilities
1.10B	1.17B	794.24M	703.72M	1.55B	1.49B
	Stockholders Equity
11.45B	11.29B	11.69B	12.04B	12.52B	11.90B
Cash Flow		Free Cash Flow
0.00	-429.00M	-213.01M	-12.76M	443.63M	2.25B
	Operating Cash Flow
0.00	-111.00M	352.02M	260.87M	922.07M	2.47B
	Investing Cash Flow
0.00	-2.34B	3.90B	1.88B	-246.58M	-3.27B
	Financing Cash Flow
0.00	186.84M	-565.97M	-834.99M	-84.19M	-1.59B

Qudian Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 2.88
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For QD, the sentiment is Neutral. The current price of 2.88 is below the 20-day moving average (MA) of 2.92, above the 50-day MA of 2.77, and above the 200-day MA of 2.60, indicating a neutral trend. The MACD of 0.03 indicates Positive momentum. The RSI at 48.31 is Neutral, neither overbought nor oversold. The STOCH value of 18.32 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for QD.

Qudian Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
GDOT	73 Outperform	$552.20M	―	-0.62%	―	19.12%	75.50%
YRD	73 Outperform	$530.54M	2.88	14.69%	3.47%	12.45%	-36.64%
WTBA	72 Outperform	$320.02M	12.28	11.30%	5.31%	12.93%	17.25%
Sector *	64 Neutral	$12.86B	9.79	7.84%	78.10%	12.05%	-7.99%
QD	64 Neutral	$477.22M	12.12	2.77%	―	0.54%	―
TREE	54 Neutral	$478.47M	―	-46.84%	―	51.96%	60.33%
LDI	48 Neutral	$465.17M	―	-29.48%	―	3.76%	16.19%