Qudian Financials

QD Stock  USD 3.14  0.10  3.29%   
Based on the analysis of Qudian's profitability, liquidity, and operating efficiency, Qudian Inc is not in a good financial situation at the present time. It has a very high chance of going through financial crunch in January. At present, Qudian's Other Current Liabilities is projected to increase significantly based on the last few years of reporting. The current year's Cash is expected to grow to about 7.6 B, whereas Total Stockholder Equity is forecasted to decline to about 7.6 B. Key indicators impacting Qudian's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Current Ratio7.5413.4661
Way Down
Slightly volatile
The essential information of the day-to-day investment outlook for Qudian includes many different criteria found on its balance sheet. An individual investor should monitor Qudian's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in Qudian.

Cash And Equivalents

2.3 Billion

  
Understanding current and past Qudian Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Qudian's financial statements are interrelated, with each one affecting the others. For example, an increase in Qudian's assets may result in an increase in income on the income statement.
Please note, the presentation of Qudian's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Qudian's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Qudian's management manipulating its earnings.

Qudian Stock Summary

Qudian competes with X Financial, FinVolution, Senmiao Technology, Lexinfintech Holdings, and 360 Finance. Qudian Inc. operates as a consumer-oriented technology company in the Peoples Republic of China. The company was founded in 2014 and is headquartered in Xiamen, the Peoples Republic of China. Qudian Inc operates under Credit Services classification in the United States and is traded on New York Stock Exchange. It employs 940 people.
Specialization
Financial Services, Financial Services
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS7477981069
CUSIP747798106
LocationChina
Business AddressTower A, Xiamen,
SectorConsumer Finance
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.qudian.com
Phone86 59 2591 1580
CurrencyUSD - US Dollar

Qudian Key Financial Ratios

Qudian Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets18.7B13.4B14.1B12.7B12.5B12.9B
Other Current Liab1.5B317.8M268.0M350.9M498.8M523.8M
Other Liab179.0M10.9M58.6M2.1M2.4M2.3M
Net Tangible Assets11.9B11.9B12.5B12.0B13.8B7.8B
Retained Earnings8.3B8.3B8.9B8.5B8.6B4.3B
Accounts Payable88.9M50.4M109.8M107.9M109.3M90.1M
Cash2.9B1.5B2.1B3.5B7.2B7.6B
Other Assets821.7M626.1M510.7M451.1M518.7M528.5M
Long Term Debt2.3B924.4M826.7M116.2M133.7M127.0M
Net Receivables11.0B4.2B2.4B910.8M354.3M336.6M
Inventory8.9M91.9M15.2M116.7M10.4M9.9M
Other Current Assets1.6B805.8M1.8B1.2B390.9M371.4M
Total Liab6.7B1.5B1.5B703.7M794.2M754.5M
Short Long Term Debt8.0B3.9B1.0B29.1M33.4M31.8M
Total Current Assets17.0B11.7B12.2B11.1B10.2B11.6B
Short Term Debt1.1B23.8M37.5M35.4M29.9M28.4M
Intangible Assets6.8M8.5M11.0M9.7M3.1M2.9M
Common Stock221K205K175K176K175.9K149.6K
Net Debt571.8M(509.1M)(1.0B)(3.3B)(7.1B)(6.8B)
Long Term Debt Total2.3B924.4M826.7M116.2M133.7M127.0M
Capital Surpluse4.0B4.0B4.0B4.0B4.6B4.1B

Qudian Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense1.0B848.4M23.9M27.1M16.0M129.5M
Total Revenue7.7B8.8B3.7B1.7B126.3M120.0M
Gross Profit5.0B7.9B2.8B1.4B(33.8M)(32.1M)
Operating Income3.8B865.6M405.8M922.7M(331.0M)(314.5M)
Ebit3.8B1.2B405.8M(227.6M)101.5M96.4M
Research Development199.6M204.8M170.7M141.3M47.8M45.4M
Cost Of Revenue2.7B901.8M862.4M298.7M160.1M152.1M
Income Before Tax2.6B3.9B1.2B846.4M101.5M96.4M
Net Income3.3B958.8M589.1M589.1M39.1M37.2M
Income Tax Expense157.7M626.2M262.0M260.5M62.3M59.2M
Interest Income27.5M338.1M143.8M129.5M110.7M100.1M
Ebitda3.8B1.3B505.2M(163.2M)142.7M135.6M
Tax Provision157.7M626.2M262.0M260.5M62.3M59.2M
Net Interest Income20.2M338.2M143.9M129.5M110.7M110.4M

Qudian Key Cash Accounts

201920202021202220232024 (projected)
Investments(929.6M)(5.8B)(1.1B)1.9B3.9B4.1B
Change In Cash1.3B(2.4B)570.5M1.3B3.7B3.9B
Net Borrowings(4.9B)(861.2M)(1.8B)(76.5M)(68.8M)(72.3M)
Free Cash Flow5.4B2.2B443.6M(12.8M)(213.0M)(202.4M)
Depreciation46.2M44.0M99.5M64.3M41.3M34.7M
Other Non Cash Items23.9M27.1M16.0M258.5M(120.9M)(114.8M)
Capital Expenditures76.4M221.8M478.4M273.6M565.0M593.3M
Net Income3.3B958.8M585.9M(362.1M)39.1M37.2M
End Period Cash Flow4.1B1.7B2.2B3.6B7.3B7.6B
Change To Netincome1.3B2.4B1.5B330.7M380.3M361.3M

Qudian Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Qudian's current stock value. Our valuation model uses many indicators to compare Qudian value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Qudian competition to find correlations between indicators driving Qudian's intrinsic value. More Info.
Qudian Inc is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers . At present, Qudian's Return On Equity is projected to slightly decrease based on the last few years of reporting. Comparative valuation analysis is a catch-all technique that is used if you cannot value Qudian by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Qudian Inc Systematic Risk

Qudian's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Qudian volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was ten with a total number of output elements of fifty-one. The Beta measures systematic risk based on how returns on Qudian Inc correlated with the market. If Beta is less than 0 Qudian generally moves in the opposite direction as compared to the market. If Qudian Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Qudian Inc is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Qudian is generally in the same direction as the market. If Beta > 1 Qudian moves generally in the same direction as, but more than the movement of the benchmark.

Qudian Thematic Clasifications

Qudian Inc is part of Banking investing theme. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. USA Equities from Banking industry as classified by Fama & French. Fama and French investing themes focus on testing asset pricing under different economic assumptions
BankingView
This theme covers USA Equities from Banking industry as classified by Fama & French. Fama and French investing themes focus on testing asset pricing under different economic assumptions. Get More Thematic Ideas
Today, most investors in Qudian Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Qudian's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Qudian growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.84)

At present, Qudian's Price Earnings To Growth Ratio is projected to increase significantly based on the last few years of reporting.

Qudian December 1, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Qudian help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Qudian Inc. We use our internally-developed statistical techniques to arrive at the intrinsic value of Qudian Inc based on widely used predictive technical indicators. In general, we focus on analyzing Qudian Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Qudian's daily price indicators and compare them against related drivers.

Complementary Tools for Qudian Stock analysis

When running Qudian's price analysis, check to measure Qudian's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Qudian is operating at the current time. Most of Qudian's value examination focuses on studying past and present price action to predict the probability of Qudian's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Qudian's price. Additionally, you may evaluate how the addition of Qudian to your portfolios can decrease your overall portfolio volatility.
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