Qudian Inc.
Qudian Inc. Fundamental Analysis
Qudian Inc. (QD) shows moderate financial fundamentals with a PE ratio of 4.46, profit margin of 8.95%, and ROE of 6.98%. The company generates $0.1B in annual revenue with strong year-over-year growth of 71.31%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 62.4/100 based on profitability, valuation, growth, and balance sheet metrics. The C+ grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze QD's fundamental strength across five key dimensions:
Efficiency Score
WeakQD struggles to generate sufficient returns from assets.
Valuation Score
ExcellentQD trades at attractive valuation levels.
Growth Score
ModerateQD shows steady but slowing expansion.
Financial Health Score
ExcellentQD maintains a strong and stable balance sheet.
Profitability Score
WeakQD struggles to sustain strong margins.
Key Financial Metrics
Is QD Expensive or Cheap?
P/E Ratio
QD trades at 4.46 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, QD's PEG of 0.01 indicates potential undervaluation.
Price to Book
The market values Qudian Inc. at 0.30 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 46.29 times EBITDA. This signals the market has high growth expectations.
How Well Does QD Make Money?
Net Profit Margin
For every $100 in sales, Qudian Inc. keeps $8.95 as profit after all expenses.
Operating Margin
Core operations generate -3.49 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $6.98 in profit for every $100 of shareholder equity.
ROA
Qudian Inc. generates $5.77 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Qudian Inc. generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
Qudian Inc. generates weak or negative free cash flow of $0.00, restricting financial flexibility.
FCF Per Share
Each share generates $0.00 in free cash annually.
FCF Yield
QD converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
4.46
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.01
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.30
vs 25 benchmark
P/S Ratio
Price to sales ratio
40.54
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.13
vs 25 benchmark
Current Ratio
Current assets to current liabilities
5.83
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.07
vs 25 benchmark
ROA
Return on assets percentage
0.06
vs 25 benchmark
ROCE
Return on capital employed
-0.03
vs 25 benchmark
How QD Stacks Against Its Sector Peers
| Metric | QD Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 4.46 | 18.73 | Better (Cheaper) |
| ROE | 6.98% | 847.00% | Weak |
| Net Margin | 894.52% | 2562.00% | Weak |
| Debt/Equity | 0.13 | 0.93 | Strong (Low Leverage) |
| Current Ratio | 5.83 | 674.76 | Strong Liquidity |
| ROA | 5.77% | -21692.00% (disorted) | Weak |
QD outperforms its industry in 3 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Qudian Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
-96.01%
Industry Style: Value, Dividend, Cyclical
DecliningEPS CAGR
-95.41%
Industry Style: Value, Dividend, Cyclical
DecliningFCF CAGR
-103.29%
Industry Style: Value, Dividend, Cyclical
Declining