Qudian (QD) AI Stock Analysis

• Market Cap: $513.54M
• Dividend Yield: N/A
• Average Volume (3M): 524.78K
• Price to Earnings (P/E): 38.8
• Beta (1Y): 1.01
• Revenue Growth: -16.27%
• EPS Growth: -88.56%
• Country: US
• Employees: 305
• Sector: Financial
• Sector Strength: 76
• Industry: Financial - Credit Services
• EPS (TTM): 0.07
• Shares Outstanding: 125,912,680
• 10 Day Avg. Volume: 603,297
• 30 Day Avg. Volume: 524,780
• PEG Ratio: 0.17
• 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. 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 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
227.99M	126.34M	1.65B	1.65B	3.69B	8.84B
	Gross Profit
-4.32M	-33.78M	1.36B	1.36B	2.83B	7.94B
	EBIT
-304.12M	-331.01M	922.70M	405.77M	865.60M	3.85B
	EBITDA
-263.35M	142.75M	-163.23M	505.24M	1.29B	3.96B
	Net Income Common Stockholders
41.02M	39.13M	589.07M	589.07M	958.82M	3.26B
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
259.11M	9.40B	8.88B	7.99B	6.58B	3.09B
	Total Assets
0.00	12.48B	12.75B	14.07B	13.40B	18.67B
	Total Debt
0.00	69.70M	152.05M	1.03B	1.03B	3.43B
	Net Debt
259.11M	-7.14B	-3.35B	-1.04B	-509.14M	571.80M
	Total Liabilities
0.00	794.24M	703.72M	1.55B	1.49B	6.74B
	Stockholders Equity
-631.37M	11.69B	12.04B	12.52B	11.90B	11.92B
Cash Flow		Free Cash Flow
0.00	-213.01M	-12.76M	443.63M	2.25B	5.43B
	Operating Cash Flow
0.00	352.02M	260.87M	922.07M	2.47B	5.50B
	Investing Cash Flow
0.00	3.90B	1.88B	-246.58M	-3.27B	-929.56M
	Financing Cash Flow
0.00	-565.97M	-834.99M	-84.19M	-1.59B	-3.37B

Qudian Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 2.56
• 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 Positive. The current price of 2.56 is above the 20-day moving average (MA) of 2.50, below the 50-day MA of 2.72, and above the 200-day MA of 2.40, indicating a neutral trend. The MACD of -0.06 indicates Negative momentum. The RSI at 50.20 is Neutral, neither overbought nor oversold. The STOCH value of 68.10 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for QD.

Qudian Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
YRD	84 Outperform	$490.05M	2.23	17.96%	3.21%	17.07%	-8.81%
WTBA	71 Outperform	$317.97M	13.27	10.62%	5.25%	16.51%	-1.01%
Sector *	63 Neutral	$12.07B	9.35	8.15%	79.57%	12.85%	-5.13%
GDOT	57 Neutral	$417.04M	―	-3.08%	―	14.82%	-461.78%
QD	54 Neutral	$513.54M	38.85	0.80%	―	-16.27%	-88.56%
LDI	48 Neutral	$361.11M	―	-31.41%	―	3.76%	16.19%
TREE	47 Neutral	$569.76M	―	-35.80%	―	33.86%	66.85%