Qudian Inc.(QD)Earnings, Financials & Key Ratios
QD•NYSE•Banking & Credit
$2.73
$287M mkt cap·38.2× P/E·Price updated Apr 24, 2026
SectorFinancial ServicesIndustryCredit ServicesSub-IndustryConsumer Credit Issuers and Installment Lenders
AboutQudian 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.Show more
- Net Interest Income$146M+31.5%
- Total Revenue$216M+71.3%
- Net Income$92M+134.4%
- Return on Equity0.8%+142.1%
- Net Interest Margin1.17%+31.7%
- Efficiency Ratio149.5%-36.5%
- ROA0.74%+137.1%
- Equity / Assets90.59%-3.3%
- Book Value per Share60.13+13.4%
- Tangible BV/Share60.12+13.4%
- Debt/Equity0.07+1069.5%
QD Key Insights
Qudian Inc. (QD) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Company is almost debt free
- ✓Well capitalized: 90.6% equity/assets
- ✓Share count reduced 14.8% through buybacks
- ✓Diversified revenue: 32.7% from non-interest income
- ✓Trading at only 0.3x book value
✗Weaknesses
- ✗Profits declining 51.1% over 5 years
- ✗Weak NIM of 1.2%
- ✗High cost structure: 149.5% efficiency ratio
- ✗Weak momentum: RS Rating 16 (bottom 16%)
- ✗Trading more than 30% below 52-week high
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
QD Price & Volume
Qudian Inc. (QD) stock price & volume — 10-year historical chart
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QD Growth Metrics
Qudian Inc. (QD) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years21%
5 Years-52.38%
3 Years-49.23%
TTM-
Profit CAGR
10 Years-
5 Years-51.05%
3 Years-46.2%
TTM293.82%
EPS CAGR
10 Years-
5 Years-46.19%
3 Years-40.01%
TTM343.55%
Return on Capital
10 Years18.72%
5 Years1.06%
3 Years-2.67%
Last Year-2.67%
QD Recent Earnings
Qudian Inc. (QD) EPS & revenue vs analyst estimates — last 4 quarters
●Beat Revenue 3/12 qtrs (100%)
Q4 2025Latest
Nov 24, 2025EPS
$0.35
Revenue
$1M
Q3 2025
Aug 13, 2025EPS
$0.26
Revenue
$486,680
Q2 2025
May 30, 2025EPS
$0.12
Revenue
$4M
Q2 2025
Mar 20, 2025EPS
$0.05
Revenue
$7M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q4 2025Latest | Nov 24, 2025 | $0.35 | $1M |
| Q3 2025 | Aug 13, 2025 | $0.26 | $486,680 |
| Q2 2025 | May 30, 2025 | $0.12 | $4M |
| Q2 2025 | Mar 20, 2025 | $0.05 | $7M |
Based on last 12 quarters of dataView full earnings history →
QD Peer Comparison
Qudian Inc. (QD) competitors in Consumer Credit Issuers and Installment Lenders — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 FINV | 2.96B | 5.22 | 3.93 | 3.69% | 17.43% | 0.00 | ||
 LX | 154.1M | 2.16 | 2.27 | 8.78% | 14.68% | 0.49 | ||
 QFIN | 3.9B | 13.75 | 2.24 | 5.38% | 28.76% | 0.07 | ||
 CNF | 1.03M | 3.06 | -0.02 | -60.88% | -1.25% | 1.18 | ||
 LU | 846.92M | 2.02 | -2.89 | -32.51% | -3.8% | 0.99 | ||
 JFIN | 532.44M | 4.93 | 1.69 | 6.11% | 26.17% | 39.74% | 0.02 | |
 NTES | 74.95B | 118.37 | 15.82 | 4.05% | 30% | 20.38% | 0.04 | |
 BABA | 341.64B | 141.48 | 17.99 | 5.86% | 12.19% | 11.24% | 0.23 |
Compare QD vs Peers
Qudian Inc. (QD) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
QD Income Statement
Qudian Inc. (QD) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 3.26M | 21.36M | 35.78M | 20.18M | 622.41M | 23.7M | 61.38M | 110.75M | 145.62M | 607.89M |
| NII Growth % | 53.29% | 555.97% | 67.49% | -43.59% | 2983.82% | -96.19% | 159.01% | 80.42% | 31.49% | -2627.23% |
| Net Interest Margin % | 0.05% | 0.11% | 0.22% | 0.11% | 4.65% | 0.17% | 0.48% | 0.89% | 1.17% | 4.77% |
| Interest Income | 3.26M | 21.36M | 35.78M | 20.87M | 649.51M | 39.68M | 64.82M | 110.75M | 145.62M | 834.36M |
| Interest Expense | 0 | 0 | 0 | 23.93M | 27.11M | 15.98M | 3.44M | 0 | 0 | 226.47M |
| Loan Loss Provision | 267.86M | 880.85M | 2.74B | 877.85M | 835.25M | 282.74M | 379.65M | 160.11M | 201.02M | -100.54M |
| Non-Interest Income | 1.44B | 4.75B | 7.66B | 8.82B | 3.04B | 1.61B | 512.67M | 15.59M | 70.81M | -697.83M |
| Non-Interest Income % | 99.77% | 99.55% | 99.53% | 99.76% | 82.39% | 97.6% | 88.78% | 12.34% | 32.72% | -511.12% |
| Total Revenue | 1.44B▲ 0% | 4.78B▲ 231.0% | 7.69B▲ 61.1% | 8.84B▲ 14.9% | 3.69B▼ 58.3% | 1.65B▼ 55.2% | 577.49M▼ 65.1% | 126.34M▼ 78.1% | 216.43M▲ 71.3% | 136.53M▲ 0% |
| Revenue Growth % | 513.96% | 230.97% | 61.08% | 14.92% | -58.28% | -55.15% | -65.09% | -78.12% | 71.31% | -79.52% |
| Non-Interest Expense | 461.91M | 1.47B | 2.27B | 4.09B | 1.96B | 432.62M | 523.9M | 297.23M | 323.55M | 368.2M |
| Efficiency Ratio | 32.01% | 30.85% | 29.48% | 46.26% | 53.15% | 26.16% | 90.72% | 235.27% | 149.5% | 269.68% |
| Operating Income | 713.07M▲ 0% | 2.42B▲ 239.5% | 2.69B▲ 11.1% | 3.85B▲ 43.1% | 865.6M▼ 77.5% | 922.7M▲ 6.6% | -329.5M▼ 135.7% | -331.01M▼ 0.5% | -308.15M▲ 6.9% | -357.6M▲ 0% |
| Operating Margin % | 49.42% | 50.7% | 34.96% | 43.54% | 23.47% | 55.78% | -57.06% | -262% | -142.38% | -261.92% |
| Operating Income Growth % | 408.59% | 239.55% | 11.07% | 43.11% | -77.51% | 6.6% | -135.71% | -0.46% | 6.91% | - |
| Pretax Income | 703.49M▲ 0% | 2.42B▲ 244.0% | 2.65B▲ 9.5% | 3.89B▲ 46.9% | 1.22B▼ 68.6% | 846.41M▼ 30.7% | -269.62M▼ 131.9% | 101.47M▲ 137.6% | 157.54M▲ 55.2% | 611.3M▲ 0% |
| Pretax Margin % | 48.76% | 50.68% | 34.44% | 44.01% | 33.1% | 51.17% | -46.69% | 80.32% | 72.79% | 447.74% |
| Income Tax | 126.84M | 255.55M | 157.73M | 626.23M | 261.98M | 260.48M | 92.43M | 62.34M | 65.81M | 83.88M |
| Effective Tax Rate % | 18.03% | 10.56% | 5.95% | 16.1% | 21.46% | 30.77% | -34.28% | 61.43% | 41.77% | 13.72% |
| Net Income | 576.65M▲ 0% | 2.16B▲ 275.3% | 2.49B▲ 15.1% | 3.26B▲ 31.0% | 958.82M▼ 70.6% | 589.07M▼ 38.6% | -361.96M▼ 161.4% | 39.13M▲ 110.8% | 91.73M▲ 134.4% | 527.42M▲ 0% |
| Net Margin % | 39.97% | 45.33% | 32.39% | 36.93% | 26% | 35.61% | -62.68% | 30.98% | 42.38% | 386.3% |
| Net Income Growth % | 347.32% | 275.35% | 15.1% | 31.03% | -70.63% | -38.56% | -161.45% | 110.81% | 134.41% | 293.82% |
| Net Income (Continuing) | 576.65M | 2.16B | 2.49B | 3.26B | 958.82M | 585.93M | -362.05M | 39.13M | 91.73M | 527.42M |
| EPS (Diluted) | 1.75▲ 0% | 7.09▲ 305.1% | 7.74▲ 9.2% | 10.86▲ 40.3% | 3.59▼ 66.9% | 2.27▼ 36.8% | -1.47▼ 164.8% | 0.18▲ 112.2% | 0.49▲ 172.2% | 3.15▲ 0% |
| EPS Growth % | 159.52% | 305.14% | 9.17% | 40.31% | -66.94% | -36.77% | -164.76% | 112.24% | 172.22% | 343.55% |
| EPS (Basic) | 1.75 | 7.12 | 7.82 | 11.72 | 3.78 | 2.32 | -1.47 | 0.18 | 0.50 | - |
| Diluted Shares Outstanding | 329.86M | 305.22M | 321.96M | 300.46M | 274.33M | 266.29M | 246.04M | 220.46M | 187.78M | 167.46M |
QD Balance Sheet
Qudian Inc. (QD) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 1.22B | 7.13B | 2.5B | 3.09B | 6.58B | 7.99B | 8.88B | 9.4B | 7.39B | 31.81B |
| Cash & Due from Banks | 785.77M | 6.83B | 2.5B | 2.86B | 1.54B | 2.07B | 3.5B | 7.21B | 4.26B | 4.03B |
| Short Term Investments | 430.2M | 300M | 0 | 231.13M | 5.04B | 5.93B | 5.38B | 2.2B | 3.13B | 4.61B |
| Total Investments | 495.39M | 344.52M | 33.2M | 499.07M | 5.6B | 6.3B | 5.73B | 2.54B | 3.35B | 4.83B |
| Investments Growth % | 911.01% | -30.46% | -90.36% | 1403.25% | 1022.38% | 12.44% | -9.05% | -55.58% | 31.77% | 105.45% |
| Long-Term Investments | 65.19M | 44.52M | 33.2M | 267.94M | 559.14M | 371.65M | 350.1M | 347.4M | 225.09M | 906.21M |
| Accounts Receivables | 4.81B | 8.75B | 8.4B | 7.94B | 56.48M | 2.2B | 1.38M | -90.98M | 34.28M | 9.22M |
| Goodwill & Intangibles | 128.3K | 5.91M | 113.81M | 6.8M | 8.48M | 0 | 9.7M | 0 | 2.21M | 1.92M |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 258 | 0 | 0 | 0 |
| Intangible Assets | 128.3K | 5.91M | 113.81M | 6.8M | 8.48M | 0 | 9.7M | 0 | 2.21M | 1.92M |
| PP&E (Net) | 4.89M | 4.61M | 26.22M | 241.67M | 513.87M | 959.71M | 877.03M | 1.47B | 1.74B | 1.85B |
| Other Assets | 100.66M | 24.34M | 1.35B | 531.42M | 471.11M | 443.38M | 451.08M | 498.84M | 353.37M | 280.12M |
| Total Current Assets | 6.93B | 19.19B | 14.49B | 17.02B | 11.69B | 12.22B | 11.06B | 10.16B | 10.14B | 10.39B |
| Total Non-Current Assets | 188.66M | 194.84M | 1.76B | 1.34B | 1.71B | 1.87B | 1.69B | 2.32B | 2.32B | 2.35B |
| Total Assets | 7.12B▲ 0% | 19.38B▲ 172.3% | 16.25B▼ 16.1% | 18.36B▲ 13.0% | 13.4B▼ 27.0% | 14.09B▲ 5.2% | 12.75B▼ 9.5% | 12.48B▼ 2.1% | 12.46B▼ 0.1% | 12.75B▲ 0% |
| Asset Growth % | 166.02% | 172.29% | -16.14% | 12.97% | -27.03% | 5.17% | -9.54% | -2.07% | -0.14% | 8.2% |
| Return on Assets (ROA) | 11.78% | 16.34% | 13.98% | 18.86% | 6.04% | 4.29% | -2.7% | 0.31% | 0.74% | 4.18% |
| Accounts Payable | 91.51M | 130.89M | 109.8M | 88.91M | 50.37M | 109.76M | 107.88M | 135.61M | 135.24M | 0 |
| Total Debt | 4.26B | 8.49B | 4.27B | 3.43B | 1.03B | 1.03B | 152.05M | 69.7M | 787.4M | 732.48M |
| Net Debt | 3.47B | 1.66B | 1.77B | 571.8M | -509.14M | -1.03B | -3.35B | -7.14B | -3.48B | -3.3B |
| Long-Term Debt | 76.05M | 510.02M | 413.4M | 2.34B | 924.42M | 826.71M | 116.25M | 0 | 0 | 0 |
| Short-Term Debt | 4.18B | 7.98B | 3.86B | 1.05B | 0 | 0 | 29.06M | 0 | 720M | 720M |
| Other Liabilities | 5.94B | 0 | 0 | 0 | 0 | 10.01M | -233 | 0 | 0 | 0 |
| Total Current Liabilities | 4.53B | 9.33B | 5.02B | 3.9B | 472.61M | 493.52M | 584.93M | 754.49M | 1.12B | 1.14B |
| Total Non-Current Liabilities | 6.02B | 510.02M | 413.4M | 2.54B | 1.02B | 1.07B | 118.79M | 39.76M | 48.71M | 32.55M |
| Total Liabilities | 10.55B | 9.84B | 5.43B | 6.44B | 1.49B | 1.57B | 703.72M | 794.24M | 1.17B | 1.17B |
| Total Equity | -3.43B▲ 0% | 9.54B▲ 378.1% | 10.82B▲ 13.4% | 11.92B▲ 10.2% | 11.91B▼ 0.1% | 12.52B▲ 5.2% | 12.04B▼ 3.8% | 11.69B▼ 2.9% | 11.29B▼ 3.4% | 11.58B▲ 0% |
| Equity Growth % | 47.83% | 378.11% | 13.42% | 10.2% | -0.12% | 5.15% | -3.84% | -2.95% | -3.39% | -7.29% |
| Equity / Assets (Capital Ratio) | -48.2% | 49.23% | 66.57% | 64.94% | 88.89% | 88.88% | 94.48% | 93.64% | 90.59% | 90.82% |
| Return on Equity (ROE) | - | 70.85% | 24.47% | 28.7% | 8.05% | 4.82% | -2.95% | 0.33% | 0.8% | 4.62% |
| Book Value per Share | -10.40 | 31.26 | 33.61 | 39.69 | 43.41 | 47.03 | 48.95 | 53.02 | 60.13 | 69.14 |
| Tangible BV per Share | -10.40 | 31.24 | 33.26 | 39.66 | 43.38 | 47.03 | 48.91 | 53.02 | 60.12 | 69.13 |
| Common Stock | 54.75K | 220.98K | 205.28K | 175.47K | 176K | 175.89K | 176K | 175.89K | 175.89K | 176K |
| Additional Paid-in Capital | 80.46M | 7.57B | 6.16B | 3.97B | 4.01B | 4.02B | 4.04B | 4.03B | 4.03B | 4.03B |
| Retained Earnings | -3.51B | 2.47B | 5.07B | 8.33B | 8.32B | 8.9B | 8.54B | 8.58B | 8.67B | 9.13B |
| Accumulated OCI | 0 | -77.95M | -44.86M | -12.97M | -51.42M | -59M | -45.96M | -24.13M | 13.75M | -7.46M |
| Treasury Stock | 0 | -421.16M | -362.13M | -362.13M | -371.55M | -346.32M | -486.95M | -899.63M | -1.42B | -1.57B |
| Preferred Stock | 0 | 0 | 0 | 0 | 471 | 0 | 0 | 0 | 0 | 0 |
QD Cash Flow Statement
Qudian Inc. (QD) cash flow — operating, investing & free cash flow history
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 794.06M | 3.08B | 3.33B | 5.5B | 2.47B | 922.07M | 260.87M | 352.02M | -111M | -111M |
| Operating CF Growth % | 876.06% | 287.39% | 8.33% | 65.15% | -55.09% | -62.7% | -71.71% | 34.94% | -131.53% | -100% |
| Net Income | 576.65M | 2.16B | 2.49B | 3.26B | 958.82M | 585.93M | -362.05M | 39.13M | 91.73M | 527.42M |
| Depreciation & Amortization | 1.5M | 5.79M | 12.07M | 46.2M | 43.95M | 99.47M | 64.33M | 41.27M | 55.47M | 0 |
| Deferred Taxes | 146.63M | -97.67B | -127.95B | 2.28B | 1.34B | 204.68M | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | 24.6M | 98.31B | 129.22B | 23.93M | 27.11M | 15.98M | 258.53M | -120.89M | -48.91M | -529.57M |
| Working Capital Changes | 22.54M | 208.72M | -499.88M | -194.94M | 52.28M | -19.35M | 276.01M | 387.57M | -211.54M | 0 |
| Cash from Investing | -3.6B | -705.57M | -2.79B | -929.56M | -3.27B | -246.58M | 1.88B | 3.9B | -2.34B | 0 |
| Purchase of Investments | -4.91B | -1.16B | -1.35B | -676.94M | -16.88B | -19.86B | -15.54B | -19.22B | -12.6B | 0 |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 0 |
| Net Investment Activity | -4.91B | -1.15B | -1.35B | -675.94M | -16.88B | -19.86B | -15.54B | -19.22B | -12.59B | 0 |
| Acquisitions | -70M | -400 | 0 | -15M | -738.76M | 0 | -32.15M | 0 | -14M | 0 |
| Other Investing | -3.14B | -824.47M | -2.96B | -619.04M | 2.7B | 1.29B | 1.67B | -77.57M | -4.92M | 0 |
| Cash from Financing | 3.38B | 3.75B | -6.73B | -3.37B | -1.59B | -84.19M | -834.99M | -565.97M | 186.84M | 0 |
| Dividends Paid | -838.43M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | -421.16M | -1.41B | -2.09B | -15.53M | 0 | -145.87M | -420.66M | -533.16M | 0 |
| Stock Issued | 0 | 5.34B | 0 | 0 | 10M | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | 0 | 4.92B | -1.41B | -2.09B | -5.53M | 0 | -145.87M | -420.66M | -533.16M | 0 |
| Debt Issuance (Net) | 1000K | 1000K | -1000K | -1000K | -1000K | -1000K | -1000K | -1000K | 1000K | 0 |
| Other Financing | 1.63B | -5.33B | 63.6M | -423.93M | 209.79M | -7.72M | 141 | 213 | 0 | 0 |
| Net Change in Cash | 575.66M▲ 0% | 6.05B▲ 950.4% | -6.24B▼ 203.3% | 1.28B▲ 120.5% | -2.45B▼ 291.4% | 570.46M▲ 123.3% | 1.33B▲ 133.0% | 3.69B▲ 177.9% | -2.22B▼ 160.2% | 0▲ 0% |
| Exchange Rate Effect | 0 | -1000K | -1000K | 1000K | -1000K | -1000K | 1000K | 1000K | 1000K | 0 |
| Cash at Beginning | 210.11M | 785.77M | 9.08B | 2.84B | 4.12B | 1.67B | 2.24B | 3.57B | 7.27B | 0 |
| Cash at End | 785.77M | 6.83B | 2.84B | 4.12B | 1.67B | 2.24B | 3.57B | 7.27B | 5.04B | 0 |
| Interest Paid | 193.35M | 565.45M | 609.83M | 361.72M | 26.08M | 7.72M | 1.71M | 0 | 0 | 0 |
| Income Taxes Paid | 54.37M | 231.13M | 208.64M | 263.97M | 638.41M | 137.55M | 59.11M | 43.37M | 144.22M | 0 |
| Free Cash Flow | 789.46M▲ 0% | 3.06B▲ 288.2% | 3.19B▲ 4.1% | 5.43B▲ 70.0% | 2.25B▼ 58.5% | 443.63M▼ 80.3% | -12.76M▼ 102.9% | -213.01M▼ 1569.9% | -429M▼ 101.4% | 0▲ 0% |
| FCF Growth % | 860.33% | 288.22% | 4.15% | 70.02% | -58.54% | -80.28% | -102.88% | -1569.91% | -101.4% | -100% |
QD Banking Ratios
Qudian Inc. (QD) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | - | 70.85% | 24.47% | 28.7% | 8.05% | 4.82% | -2.95% | 0.33% | 0.8% | 4.62% |
| Return on Assets (ROA) | 11.78% | 16.34% | 13.98% | 18.86% | 6.04% | 4.29% | -2.7% | 0.31% | 0.74% | 4.18% |
| Net Interest Margin | 0.05% | 0.11% | 0.22% | 0.11% | 4.65% | 0.17% | 0.48% | 0.89% | 1.17% | 4.77% |
| Efficiency Ratio | 32.01% | 30.85% | 29.48% | 46.26% | 53.15% | 26.16% | 90.72% | 235.27% | 149.5% | 269.68% |
| Equity / Assets | -48.2% | 49.23% | 66.57% | 64.94% | 88.89% | 88.88% | 94.48% | 93.64% | 90.59% | 90.82% |
| Book Value / Share | -10.4 | 31.26 | 33.61 | 39.69 | 43.41 | 47.03 | 48.95 | 53.02 | 60.13 | 69.14 |
| NII Growth | 53.29% | 555.97% | 67.49% | -43.59% | 2983.82% | -96.19% | 159.01% | 80.42% | 31.49% | 302.79% |
| Dividend Payout | 145.4% | - | - | - | - | - | - | - | - | 0% |
QD Frequently Asked Questions
Qudian Inc. (QD) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Qudian Inc. (QD) grew revenue by 71.3% over the past year. This is strong growth.
Yes, Qudian Inc. (QD) is profitable, generating $527.4M in net income for fiscal year 2024 (42.4% net margin).
Dividend & Returns
Qudian Inc. (QD) has a return on equity (ROE) of 0.8%. This is below average, suggesting room for improvement.
Industry Metrics
Qudian Inc. (QD) has a net interest margin (NIM) of 1.2%. NIM has been under pressure due to interest rate environment.
Qudian Inc. (QD) has an efficiency ratio of 149.5%. This is higher than peers, suggesting room for cost optimization.
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Qudian Inc. (QD) financial analysis — history, returns, DCA and operating performance tools
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Valuation
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