| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| QDQudian Inc. | 304.91M | 3.00 | 6.12 | 71.31% | 42.38% | 4.56% | 0.07 | |
| NISNNisun International Enterprise Development Group Co., Ltd | 5.73M | 1.20 | 5.20 | -12.17% | 0.27% | 8.76% | 0.04 | |
| LULufax Holding Ltd | 2.25B | 2.60 | 0.84 | -39.62% | 2.13% | -3.92% | 100% | 0.48 |
| FINVFinVolution Group | 736.79M | 5.26 | 0.58 | 3.69% | 18.24% | 16.74% | 100% | 0.00 |
| LXLexinFintech Holdings Ltd. | 415.01M | 3.13 | 0.48 | 8.78% | 7.75% | 13.91% | 100% | 0.49 |
| QFINQfin Holdings, Inc. | 2.2B | 16.89 | 0.20 | 5.38% | 36.49% | 28.34% | 100% | 0.07 |
| YRDYiren Digital Ltd. | 343.9M | 3.98 | 0.11 | 18.59% | 27.25% | 12.13% | 100% | 0.00 |
| XYFX Financial | 136.82M | 6.00 | 0.03 | 79.16% | 26.23% | 22.61% | 100% | 0.05 |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 2.12M | 3.26M | 21.36M | 35.78M | 20.18M | 622.41M | 23.7M | 61.38M | 110.75M | 145.62M |
| NII Growth % | - | 0.53% | 5.56% | 0.67% | -0.44% | 29.84% | -0.96% | 1.59% | 0.8% | 0.31% |
| Net Interest Margin % | - | - | - | - | - | - | - | - | - | - |
| Interest Income | 2.12M | 3.26M | 21.36M | 35.78M | 20.87M | 649.51M | 39.68M | 64.82M | 110.75M | 145.62M |
| Interest Expense | 0 | 0 | 0 | 0 | 23.93M | 27.11M | 15.98M | 3.44M | 0 | 0 |
| Loan Loss Provision | 148.42M | 267.86M | 880.85M | 2.74B | 877.85M | 835.25M | 282.74M | 379.65M | 160.11M | 201.02M |
| Non-Interest Income | 232.88M | 1.44B | 4.75B | 7.66B | 8.82B | 3.04B | 1.61B | 512.67M | 15.59M | 70.81M |
| Non-Interest Income % | - | - | - | - | - | - | - | - | - | - |
| Total Revenue | 235.01M | 1.44B | 4.78B | 7.69B | 8.84B | 3.69B | 1.65B | 577.49M | 126.34M | 216.43M |
| Revenue Growth % | 6.3% | 5.14% | 2.31% | 0.61% | 0.15% | -0.58% | -0.55% | -0.65% | -0.78% | 0.71% |
| Non-Interest Expense | 317.67M | 461.91M | 1.47B | 2.27B | 4.09B | 1.96B | 432.62M | 523.9M | 297.23M | 323.55M |
| Efficiency Ratio | - | - | - | - | - | - | - | - | - | - |
| Operating Income | -231.08M | 713.07M | 2.42B | 2.69B | 3.85B | 865.6M | 922.7M | -329.5M | -331.01M | -308.15M |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - |
| Operating Income Growth % | -3.25% | 4.09% | 2.4% | 0.11% | 0.43% | -0.78% | 0.07% | -1.36% | -0% | 0.07% |
| Pretax Income | -233.16M | 703.49M | 2.42B | 2.65B | 3.89B | 1.22B | 846.41M | -269.62M | 101.47M | 157.54M |
| Pretax Margin % | - | - | - | - | - | - | - | - | - | - |
| Income Tax | 0 | 126.84M | 255.55M | 157.73M | 626.23M | 261.98M | 260.48M | 92.43M | 62.34M | 65.81M |
| Effective Tax Rate % | - | - | - | - | - | - | - | - | - | - |
| Net Income | -233.16M | 576.65M | 2.16B | 2.49B | 3.26B | 958.82M | 589.07M | -361.96M | 39.13M | 91.73M |
| Net Margin % | - | - | - | - | - | - | - | - | - | - |
| Net Income Growth % | -3.29% | 3.47% | 2.75% | 0.15% | 0.31% | -0.71% | -0.39% | -1.61% | 1.11% | 1.34% |
| Net Income (Continuing) | -233.16M | 576.65M | 2.16B | 2.49B | 3.26B | 958.82M | 585.93M | -362.05M | 39.13M | 91.73M |
| EPS (Diluted) | -2.94 | 1.75 | 7.09 | 7.74 | 10.86 | 3.59 | 2.27 | -1.47 | 0.18 | 0.49 |
| EPS Growth % | -3.26% | 1.6% | 3.05% | 0.09% | 0.4% | -0.67% | -0.37% | -1.65% | 1.12% | 1.72% |
| EPS (Basic) | -2.94 | 1.75 | 7.12 | 7.82 | 11.72 | 3.78 | 2.32 | -1.47 | 0.18 | 0.50 |
| Diluted Shares Outstanding | 79.31M | 329.86M | 305.22M | 321.96M | 300.46M | 274.33M | 266.29M | 246.04M | 220.46M | 187.78M |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Cash & Due from Banks | 210.11M | 785.77M | 6.83B | 2.5B | 2.86B | 1.54B | 2.07B | 3.5B | 7.21B | 4.26B |
| Short Term Investments | 1000K | 1000K | 1000K | 0 | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Total Investments | 49M | 495.39M | 344.52M | 33.2M | 499.07M | 5.6B | 6.3B | 5.73B | 2.54B | 3.35B |
| Investments Growth % | - | 9.11% | -0.3% | -0.9% | 14.03% | 10.22% | 0.12% | -0.09% | -0.56% | 0.32% |
| Long-Term Investments | 0 | 65.19M | 44.52M | 33.2M | 267.94M | 559.14M | 371.65M | 350.1M | 347.4M | 225.09M |
| Accounts Receivables | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | -1000K | 1000K |
| Goodwill & Intangibles | - | - | - | - | - | - | - | - | - | - |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 258 | 0 | 0 |
| Intangible Assets | 28.81K | 128.3K | 5.91M | 113.81M | 6.8M | 8.48M | 0 | 9.7M | 0 | 2.21M |
| PP&E (Net) | 1.88M | 4.89M | 4.61M | 26.22M | 241.67M | 513.87M | 959.71M | 877.03M | 1.47B | 1.74B |
| Other Assets | 229.14M | 100.66M | 24.34M | 1.35B | 531.42M | 471.11M | 443.38M | 451.08M | 498.84M | 353.37M |
| Total Current Assets | 2.44B | 6.93B | 19.19B | 14.49B | 17.02B | 11.69B | 12.22B | 11.06B | 10.16B | 10.14B |
| Total Non-Current Assets | 231.05M | 188.66M | 194.84M | 1.76B | 1.34B | 1.71B | 1.87B | 1.69B | 2.32B | 2.32B |
| Total Assets | 2.68B | 7.12B | 19.38B | 16.25B | 18.36B | 13.4B | 14.09B | 12.75B | 12.48B | 12.46B |
| Asset Growth % | 3.92% | 1.66% | 1.72% | -0.16% | 0.13% | -0.27% | 0.05% | -0.1% | -0.02% | -0% |
| Return on Assets (ROA) | -0.14% | 0.12% | 0.16% | 0.14% | 0.19% | 0.06% | 0.04% | -0.03% | 0% | 0.01% |
| Accounts Payable | 20.54M | 91.51M | 130.89M | 109.8M | 88.91M | 50.37M | 109.76M | 107.88M | 135.61M | 135.24M |
| Total Debt | 1.65B | 4.26B | 8.49B | 4.27B | 3.43B | 1.03B | 1.03B | 152.05M | 69.7M | 787.4M |
| Net Debt | 1.44B | 3.47B | 1.66B | 1.77B | 571.8M | -509.14M | -1.03B | -3.35B | -7.14B | -3.48B |
| Long-Term Debt | 89.36M | 76.05M | 510.02M | 413.4M | 2.34B | 924.42M | 826.71M | 116.25M | 0 | 0 |
| Short-Term Debt | 1.56B | 4.18B | 7.98B | 3.86B | 1.05B | 0 | 0 | 29.06M | 0 | 720M |
| Other Liabilities | 5.94B | 5.94B | 0 | 0 | 0 | 0 | 10.01M | -233 | 0 | 0 |
| Total Current Liabilities | 3.22B | 4.53B | 9.33B | 5.02B | 3.9B | 472.61M | 493.52M | 584.93M | 754.49M | 1.12B |
| Total Non-Current Liabilities | 6.03B | 6.02B | 510.02M | 413.4M | 2.54B | 1.02B | 1.07B | 118.79M | 39.76M | 48.71M |
| Total Liabilities | 9.25B | 10.55B | 9.84B | 5.43B | 6.44B | 1.49B | 1.57B | 703.72M | 794.24M | 1.17B |
| Total Equity | -6.58B | -3.43B | 9.54B | 10.82B | 11.92B | 11.91B | 12.52B | 12.04B | 11.69B | 11.29B |
| Equity Growth % | -171.77% | 0.48% | 3.78% | 0.13% | 0.1% | -0% | 0.05% | -0.04% | -0.03% | -0.03% |
| Equity / Assets (Capital Ratio) | - | - | - | - | - | - | - | - | - | - |
| Return on Equity (ROE) | - | - | 0.71% | 0.24% | 0.29% | 0.08% | 0.05% | -0.03% | 0% | 0.01% |
| Book Value per Share | -82.91 | -10.40 | 31.26 | 33.61 | 39.69 | 43.41 | 47.03 | 48.95 | 53.02 | 60.13 |
| Tangible BV per Share | - | - | - | - | - | - | - | - | - | - |
| Common Stock | 0 | 54.75K | 220.98K | 205.28K | 175.47K | 176K | 175.89K | 176K | 175.89K | 175.89K |
| Additional Paid-in Capital | 58.32M | 80.46M | 7.57B | 6.16B | 3.97B | 4.01B | 4.02B | 4.04B | 4.03B | 4.03B |
| Retained Earnings | -6.63B | -3.51B | 2.47B | 5.07B | 8.33B | 8.32B | 8.9B | 8.54B | 8.58B | 8.67B |
| Accumulated OCI | 0 | 0 | -77.95M | -44.86M | -12.97M | -51.42M | -59M | -45.96M | -24.13M | 13.75M |
| Treasury Stock | 0 | 0 | -421.16M | -362.13M | -362.13M | -371.55M | -346.32M | -486.95M | -899.63M | -1.42B |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 471 | 0 | 0 | 0 | 0 |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | -102.32M | 794.06M | 3.08B | 3.33B | 5.5B | 2.47B | 922.07M | 260.87M | 352.02M | -111M |
| Operating CF Growth % | -1.51% | 8.76% | 2.87% | 0.08% | 0.65% | -0.55% | -0.63% | -0.72% | 0.35% | -1.32% |
| Net Income | -233.16M | 576.65M | 2.16B | 2.49B | 3.26B | 958.82M | 585.93M | -362.05M | 39.13M | 91.73M |
| Depreciation & Amortization | 681K | 1.5M | 5.79M | 12.07M | 46.2M | 43.95M | 99.47M | 64.33M | 41.27M | 55.47M |
| Deferred Taxes | 44.35M | 146.63M | -97.67B | -127.95B | 2.28B | 1.34B | 204.68M | 0 | 0 | 0 |
| Other Non-Cash Items | 17.56M | 24.6M | 98.31B | 129.22B | 23.93M | 27.11M | 15.98M | 258.53M | -120.89M | -48.91M |
| Working Capital Changes | 12.65M | 22.54M | 208.72M | -499.88M | -194.94M | 52.28M | -19.35M | 276.01M | 387.57M | -211.54M |
| Cash from Investing | -1.86B | -3.6B | -705.57M | -2.79B | -929.56M | -3.27B | -246.58M | 1.88B | 3.9B | -2.34B |
| Purchase of Investments | -877.24M | -4.91B | -1.16B | -1.35B | -676.94M | -16.88B | -19.86B | -15.54B | -19.22B | -12.6B |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Net Investment Activity | - | - | - | - | - | - | - | - | - | - |
| Acquisitions | 0 | -70M | -400 | 0 | -15M | -738.76M | 0 | -32.15M | 0 | -14M |
| Other Investing | -1.82B | -3.14B | -824.47M | -2.96B | -619.04M | 2.7B | 1.29B | 1.67B | -77.57M | -4.92M |
| Cash from Financing | 2.18B | 3.38B | 3.75B | -6.73B | -3.37B | -1.59B | -84.19M | -834.99M | -565.97M | 186.84M |
| Dividends Paid | 0 | -838.43M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | -421.16M | -1.41B | -2.09B | -15.53M | 0 | -145.87M | -420.66M | -533.16M |
| Stock Issued | 0 | 0 | 5.34B | 0 | 0 | 10M | 0 | 0 | 0 | 0 |
| Net Stock Activity | - | - | - | - | - | - | - | - | - | - |
| Debt Issuance (Net) | 1000K | 1000K | 1000K | -1000K | -1000K | -1000K | -1000K | -1000K | -1000K | 1000K |
| Other Financing | 997.26M | 1.63B | -5.33B | 63.6M | -423.93M | 209.79M | -7.72M | 141 | 213 | 0 |
| Net Change in Cash | 208.19M | 575.66M | 6.05B | -6.24B | 1.28B | -2.45B | 570.46M | 1.33B | 3.69B | -2.22B |
| Exchange Rate Effect | 0 | 0 | -1000K | -1000K | 1000K | -1000K | -1000K | 1000K | 1000K | 1000K |
| Cash at Beginning | 1.93M | 210.11M | 785.77M | 9.08B | 2.84B | 4.12B | 1.67B | 2.24B | 3.57B | 7.27B |
| Cash at End | 210.11M | 785.77M | 6.83B | 2.84B | 4.12B | 1.67B | 2.24B | 3.57B | 7.27B | 5.04B |
| Interest Paid | 0 | 193.35M | 565.45M | 609.83M | 361.72M | 26.08M | 7.72M | 1.71M | 0 | 0 |
| Income Taxes Paid | 0 | 54.37M | 231.13M | 208.64M | 263.97M | 638.41M | 137.55M | 59.11M | 43.37M | 144.22M |
| Free Cash Flow | -103.83M | 789.46M | 3.06B | 3.19B | 5.43B | 2.25B | 443.63M | -12.76M | -213.01M | -429M |
| FCF Growth % | -1.46% | 8.6% | 2.88% | 0.04% | 0.7% | -0.59% | -0.8% | -1.03% | -15.7% | -1.01% |
| Metric | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | - | - | 70.85% | 24.47% | 28.7% | 8.05% | 4.82% | -2.95% | 0.33% | 0.8% |
| Return on Assets (ROA) | -14.48% | 11.78% | 16.34% | 13.98% | 18.86% | 6.04% | 4.29% | -2.7% | 0.31% | 0.74% |
| Net Interest Margin | 0.08% | 0.05% | 0.11% | 0.22% | 0.11% | 4.65% | 0.17% | 0.48% | 0.89% | 1.17% |
| Efficiency Ratio | 135.17% | 32.01% | 30.85% | 29.48% | 46.26% | 53.15% | 26.16% | 90.72% | 235.27% | 149.5% |
| Equity / Assets | -245.75% | -48.2% | 49.23% | 66.57% | 64.94% | 88.89% | 88.88% | 94.48% | 93.64% | 90.59% |
| Book Value / Share | -82.91 | -10.4 | 31.26 | 33.61 | 39.69 | 43.41 | 47.03 | 48.95 | 53.02 | 60.13 |
| NII Growth | - | 53.29% | 555.97% | 67.49% | -43.59% | 2983.82% | -96.19% | 159.01% | 80.42% | 31.49% |
| Dividend Payout | - | 145.4% | - | - | - | - | - | - | - | - |
| 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | |
|---|---|---|---|---|---|---|---|---|
| Sales Income | - | 2.17B | 431.95M | - | 100.67M | 82.62M | 126.34M | 12.68M |
| Sales Income Growth | - | - | -80.14% | - | - | -17.93% | 52.92% | -89.96% |
| Service, Other | - | - | 44.35M | 72.23M | 67.32M | 53.45M | - | - |
| Service, Other Growth | - | - | - | 62.86% | -6.81% | -20.61% | - | - |
| Sales Commission Fee | - | 307.49M | 356.81M | 80.99M | 35.41M | 115.04K | - | - |
| Sales Commission Fee Growth | - | - | 16.04% | -77.30% | -56.28% | -99.68% | - | - |
| Deposit Account | - | 28.01M | - | - | - | - | - | - |
| Deposit Account Growth | - | - | - | - | - | - | - | - |
| Installment Credit Services | 4.75B | - | - | - | - | - | - | - |
| Installment Credit Services Growth | - | - | - | - | - | - | - | - |
| Automobile Leasing Services | 26.12M | - | - | - | - | - | - | - |
| Automobile Leasing Services Growth | - | - | - | - | - | - | - | - |
Qudian Inc. (QD) has a price-to-earnings (P/E) ratio of 6.1x. This may indicate the stock is undervalued or faces growth challenges.
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).
Qudian Inc. (QD) has a return on equity (ROE) of 0.8%. This is below average, suggesting room for improvement.
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.