QD
Qudian Inc.
Financial - Credit Services
Market Cap$287M
5Y Perf.+82.0%
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Stock Comparison
QD vs FINV vs LX
Revenue, margins, valuation, and 5-year total return — side by side.
FINV
FinVolution Group
Financial - Credit Services
Market Cap$2.96B
5Y Perf.+237.5%
LX
LexinFintech Holdings Ltd.
Financial - Credit Services
Market Cap$154M
5Y Perf.-65.0%
QD vs FINV vs LX — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | QD | FINV | LX |
|---|---|---|---|
| Industry | Financial - Credit Services | Financial - Credit Services | Financial - Credit Services |
| Market Cap | $287M | $2.96B | $154M |
| Revenue (TTM) | $216M | $13.07B | $14.20B |
| Net Income (TTM) | $527M | $2.80B | $1.61B |
| Gross Margin | 7.1% | 79.3% | 35.4% |
| Operating Margin | -142.4% | 19.4% | 16.1% |
| Forward P/E | 38.2x | 0.7x | 0.4x |
| Total Debt | $787M | $34M | $5.27B |
| Cash & Equiv. | $4.26B | $4.67B | $2.25B |
QD vs FINV vs LX — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
QD
FINV
LX
| Stock | May 20 | Feb 26 | Return |
|---|---|---|---|
| Qudian Inc. (QD) | 100 | 182.0 | +82.0% |
| FinVolution Group (FINV) | 100 | 337.5 | +237.5% |
| LexinFintech Holdin… (LX) | 100 | 35.0 | -65.0% |
Price return only. Dividends and distributions are not included.
Quick Verdict: QD vs FINV vs LX
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: LX leads in 3 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. Qudian Inc. is the stronger pick specifically for growth and revenue expansion and recent price momentum and sentiment. As sector peers, any of these can serve as alternatives in the same allocation.
QD
Qudian Inc.
The Banking Pick
QD is the clearest fit if your priority is growth exposure.
- Rev growth 71.3%, EPS growth 172.2%
- 71.3% NII/revenue growth vs FINV's 3.7%
- -4.9% vs LX's -70.8%
Best for: growth exposure
FINV
FinVolution Group
The Banking Pick
FINV is the clearest fit if your priority is income & stability and long-term compounding.
- Dividend streak 4 yrs, beta 1.12, yield 4.7%
- -46.8% 10Y total return vs QD's -90.6%
- Lower volatility, beta 1.12, Low D/E 0.2%, current ratio 4.31x
Best for: income & stability and long-term compounding
LX
LexinFintech Holdings Ltd.
The Banking Pick
LX has the current edge in this matchup, primarily because of its strength in value and quality.
- Lower P/E (0.4x vs 0.7x)
- Efficiency ratio 0.2% vs QD's 1.5% (lower = leaner)
- Efficiency ratio 0.2% vs QD's 1.5%
Best for: value and quality
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | QD | 71.3% NII/revenue growth vs FINV's 3.7% |
| Value | LX | Lower P/E (0.4x vs 0.7x) |
| Quality / Margins | LX | Efficiency ratio 0.2% vs QD's 1.5% (lower = leaner) |
| Stability / Safety | FINV | Beta 1.12 vs LX's 1.25, lower leverage |
| Dividends | FINV | 4.7% yield, 4-year raise streak, vs LX's 6.6%, (1 stock pays no dividend) |
| Momentum (1Y) | QD | -4.9% vs LX's -70.8% |
| Efficiency (ROA) | LX | Efficiency ratio 0.2% vs QD's 1.5% |
QD vs FINV vs LX — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2024
FY 2024
FY 2024
QD vs FINV vs LX — Financial Metrics
Side-by-side numbers across 3 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLFINVLAGGINGLX
LXLexinFintech Holdings…
1leads
QDQudian Inc.
1leads
FINVFinVolution Group
2leads
6 Total Categories
CATEGORYLEADERvs QDvs LXMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
FINV3/5
Valuation MetricsMultiples, price ratios, and targets
LX6/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
FINV6/9
Total Returns1Y, 3Y, 5Y total returns with dividends
QD4/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
FINV leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
LX is the larger business by revenue, generating $14.2B annually — 65.6x QD's $216M. QD is the more profitable business, keeping 42.4% of every revenue dollar as net income compared to LX's 7.7%.
| Metric | QDQudian Inc. | FINVFinVolution Group | LXLexinFintech Hold… |
|---|---|---|---|
| RevenueTrailing 12 months | $216M | $13.1B | $14.2B |
| EBITDAEarnings before interest/tax | -$308M | $3.3B | $1.8B |
| Net IncomeAfter-tax profit | $527M | $2.8B | $1.6B |
| Free Cash FlowCash after capex | $0 | $1.5B | $0 |
| Gross MarginGross profit ÷ Revenue | +7.1% | +79.3% | +35.4% |
| Operating MarginEBIT ÷ Revenue | -142.4% | +19.4% | +16.1% |
| Net MarginNet income ÷ Revenue | +42.4% | +18.2% | +7.7% |
| FCF MarginFCF ÷ Revenue | -198.2% | +21.9% | +5.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +2.5% | -2.1% | +110.3% |
FINV leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
LX leads this category, winning 6 of 6 comparable metrics.
Valuation Metrics
At 2.3x trailing earnings, LX trades at a 94% valuation discount to QD's 38.2x P/E. On an enterprise value basis, LX's 1.7x EV/EBITDA is more attractive than FINV's 5.9x.
| Metric | QDQudian Inc. | FINVFinVolution Group | LXLexinFintech Hold… |
|---|---|---|---|
| Market CapShares × price | $287M | $3.0B | $154M |
| Enterprise ValueMkt cap + debt − cash | -$219M | $2.3B | $596M |
| Trailing P/EPrice ÷ TTM EPS | 38.22x | 3.93x | 2.27x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 0.66x | 0.36x |
| PEG RatioP/E ÷ EPS growth rate | — | 1.15x | — |
| EV / EBITDAEnterprise value multiple | — | 5.92x | 1.67x |
| Price / SalesMarket cap ÷ Revenue | 9.10x | 1.54x | 0.07x |
| Price / BookPrice ÷ Book value/share | 0.31x | 0.60x | 0.23x |
| Price / FCFMarket cap ÷ FCF | — | 7.04x | 1.26x |
LX leads this category, winning 6 of 6 comparable metrics.
Profitability & Efficiency
FINV leads this category, winning 6 of 9 comparable metrics.
Profitability & Efficiency
FINV delivers a 17.4% return on equity — every $100 of shareholder capital generates $17 in annual profit, vs $5 for QD. FINV carries lower financial leverage with a 0.00x debt-to-equity ratio, signaling a more conservative balance sheet compared to LX's 0.49x. On the Piotroski fundamental quality scale (0–9), LX scores 8/9 vs FINV's 5/9, reflecting strong financial health.
| Metric | QDQudian Inc. | FINVFinVolution Group | LXLexinFintech Hold… |
|---|---|---|---|
| ROE (TTM)Return on equity | +4.6% | +17.4% | +14.7% |
| ROA (TTM)Return on assets | +4.2% | +11.2% | +7.2% |
| ROICReturn on invested capital | -1.9% | +12.9% | +11.0% |
| ROCEReturn on capital employed | -2.7% | +13.8% | +19.5% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 5 | 8 |
| Debt / EquityFinancial leverage | 0.07x | 0.00x | 0.49x |
| Net DebtTotal debt minus cash | -$3.5B | -$4.6B | $3.0B |
| Cash & Equiv.Liquid assets | $4.3B | $4.7B | $2.3B |
| Total DebtShort + long-term debt | $787M | $34M | $5.3B |
| Interest CoverageEBIT ÷ Interest expense | 0.65x | — | 153.26x |
FINV leads this category, winning 6 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
QD leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in QD five years ago would be worth $14,368 today (with dividends reinvested), compared to $3,460 for LX. Over the past 12 months, QD leads with a -4.9% total return vs LX's -70.8%. The 3-year compound annual growth rate (CAGR) favors QD at 28.4% vs LX's 3.9% — a key indicator of consistent wealth creation.
| Metric | QDQudian Inc. | FINVFinVolution Group | LXLexinFintech Hold… |
|---|---|---|---|
| YTD ReturnYear-to-date | -22.2% | +5.5% | -28.7% |
| 1-Year ReturnPast 12 months | -4.9% | -36.2% | -70.8% |
| 3-Year ReturnCumulative with dividends | +111.6% | +47.5% | +12.0% |
| 5-Year ReturnCumulative with dividends | +43.7% | +1.4% | -65.4% |
| 10-Year ReturnCumulative with dividends | -90.6% | -46.8% | -73.2% |
| CAGR (3Y)Annualised 3-year return | +28.4% | +13.8% | +3.9% |
QD leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
Evenly matched — QD and FINV each lead in 1 of 2 comparable metrics.
Risk & Volatility
FINV is the less volatile stock with a 1.12 beta — it tends to amplify market swings less than LX's 1.25 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. QD currently trades 53.7% from its 52-week high vs LX's 23.1% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | QDQudian Inc. | FINVFinVolution Group | LXLexinFintech Hold… |
|---|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.15x | 1.12x | 1.25x |
| 52-Week HighHighest price in past year | $5.08 | $10.90 | $9.35 |
| 52-Week LowLowest price in past year | $2.72 | $4.50 | $2.02 |
| % of 52W HighCurrent price vs 52-week peak | +53.7% | +47.9% | +23.1% |
| RSI (14)Momentum oscillator 0–100 | 28.1 | 54.5 | 38.7 |
| Avg Volume (50D)Average daily shares traded | 152K | 1.3M | 1.5M |
Evenly matched — QD and FINV each lead in 1 of 2 comparable metrics.
Analyst Outlook
Evenly matched — FINV and LX each lead in 1 of 2 comparable metrics.
Analyst Outlook
Analyst consensus: QD as "Hold", FINV as "Buy", LX as "Buy". Consensus price targets imply 62.0% upside for LX (target: $4) vs 13.8% for FINV (target: $6). For income investors, LX offers the higher dividend yield at 6.58% vs FINV's 4.70%.
| Metric | QDQudian Inc. | FINVFinVolution Group | LXLexinFintech Hold… |
|---|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Buy | Buy |
| Price TargetConsensus 12-month target | — | $5.94 | $3.50 |
| # AnalystsCovering analysts | 7 | 4 | 12 |
| Dividend YieldAnnual dividend ÷ price | — | +4.7% | +6.6% |
| Dividend StreakConsecutive years of raises | 1 | 4 | 2 |
| Dividend / ShareAnnual DPS | — | $1.67 | $0.97 |
| Buyback YieldShare repurchases ÷ mkt cap | +27.1% | +3.2% | 0.0% |
Evenly matched — FINV and LX each lead in 1 of 2 comparable metrics.
Key Takeaway
FINV leads in 2 of 6 categories (Income & Cash Flow, Profitability & Efficiency). LX leads in 1 (Valuation Metrics). 2 tied.
Best OverallFinVolution Group (FINV)Leads 2 of 6 categories
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QD vs FINV vs LX: Key Questions Answered
10 questions · data-driven answers · updated daily
01Is QD or FINV or LX a better buy right now?
For growth investors, Qudian Inc.
(QD) is the stronger pick with 71. 3% revenue growth year-over-year, versus 3. 7% for FinVolution Group (FINV). LexinFintech Holdings Ltd. (LX) offers the better valuation at 2. 3x trailing P/E (0. 4x forward), making it the more compelling value choice. Analysts rate FinVolution Group (FINV) a "Buy" — based on 4 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — QD or FINV or LX?
On trailing P/E, LexinFintech Holdings Ltd.
(LX) is the cheapest at 2. 3x versus Qudian Inc. at 38. 2x. On forward P/E, LexinFintech Holdings Ltd. is actually cheaper at 0. 4x.
03Which is the better long-term investment — QD or FINV or LX?
Over the past 5 years, Qudian Inc.
(QD) delivered a total return of +43. 7%, compared to -65. 4% for LexinFintech Holdings Ltd. (LX). Over 10 years, the gap is even starker: FINV returned -46. 8% versus QD's -90. 6%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — QD or FINV or LX?
By beta (market sensitivity over 5 years), FinVolution Group (FINV) is the lower-risk stock at 1.
12β versus LexinFintech Holdings Ltd. 's 1. 25β — meaning LX is approximately 12% more volatile than FINV relative to the S&P 500. On balance sheet safety, FinVolution Group (FINV) carries a lower debt/equity ratio of 0% versus 49% for LexinFintech Holdings Ltd. — giving it more financial flexibility in a downturn.
05Which is growing faster — QD or FINV or LX?
By revenue growth (latest reported year), Qudian Inc.
(QD) is pulling ahead at 71. 3% versus 3. 7% for FinVolution Group (FINV). On earnings-per-share growth, the picture is similar: Qudian Inc. grew EPS 172. 2% year-over-year, compared to 2. 5% for LexinFintech Holdings Ltd.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — QD or FINV or LX?
Qudian Inc.
(QD) is the more profitable company, earning 42. 4% net margin versus 7. 7% for LexinFintech Holdings Ltd. — meaning it keeps 42. 4% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: FINV leads at 19. 4% versus -142. 4% for QD. At the gross margin level — before operating expenses — FINV leads at 79. 3%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is QD or FINV or LX more undervalued right now?
On forward earnings alone, LexinFintech Holdings Ltd.
(LX) trades at 0. 4x forward P/E versus 0. 7x for FinVolution Group — 0. 3x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for LX: 62. 0% to $3. 50.
08Which pays a better dividend — QD or FINV or LX?
In this comparison, LX (6.
6% yield), FINV (4. 7% yield) pay a dividend. QD does not pay a meaningful dividend and should not be held primarily for income.
09Is QD or FINV or LX better for a retirement portfolio?
For long-horizon retirement investors, FinVolution Group (FINV) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1.
12), 4. 7% yield). Both have compounded well over 10 years (FINV: -46. 8%, QD: -90. 6%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between QD and FINV and LX?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: QD is a small-cap high-growth stock; FINV is a small-cap deep-value stock; LX is a small-cap deep-value stock. FINV, LX pay a dividend while QD does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(QD: 71.3% · FINV: 3.7%)Net Margin>
%
(QD: 42.4% · FINV: 18.2%)P/E Ratio<
x
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