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Qudian Inc (QD)



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Upturn Advisory Summary
06/20/2025: QD (2-star) has a low Upturn Star Rating. Not recommended to BUY.
1 Year Target Price $1.1
1 Year Target Price $1.1
0 | Strong Buy |
0 | Buy |
0 | Hold |
0 | Sell |
0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 93.26% | Avg. Invested days 52 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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Key Highlights
Company Size Small-Cap Stock | Market Capitalization 510.24M USD | Price to earnings Ratio 12.88 | 1Y Target Price 1.1 |
Price to earnings Ratio 12.88 | 1Y Target Price 1.1 | ||
Volume (30-day avg) - | Beta 0.64 | 52 Weeks Range 1.64 - 3.34 | Updated Date 06/29/2025 |
52 Weeks Range 1.64 - 3.34 | Updated Date 06/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.24 |
Earnings Date
Report Date 2025-06-16 | When - | Estimate - | Actual 0.12 |
Profitability
Profit Margin 169.26% | Operating Margin (TTM) -241.63% |
Management Effectiveness
Return on Assets (TTM) -1.57% | Return on Equity (TTM) 2.77% |
Valuation
Trailing PE 12.88 | Forward PE 3.81 | Enterprise Value -564411354 | Price to Sales(TTM) 2.74 |
Enterprise Value -564411354 | Price to Sales(TTM) 2.74 | ||
Enterprise Value to Revenue 0.01 | Enterprise Value to EBITDA -0.11 | Shares Outstanding 101635000 | Shares Floating 96722843 |
Shares Outstanding 101635000 | Shares Floating 96722843 | ||
Percent Insiders 15.26 | Percent Institutions 17.62 |
Analyst Ratings
Rating - | Target Price 1.1 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Qudian Inc
Company Overview
History and Background
Qudian Inc., founded in 2014, initially focused on providing small credit products to young, underserved consumers in China. It went public on the NYSE in 2017. Subsequently, it has transitioned and diversified its business model, facing regulatory challenges and shifting market dynamics in China's online lending sector.
Core Business Areas
- Consumer Finance (Historically): Historically provided online micro-credit loans to consumers, primarily through mobile applications, for purchasing goods and services.
- Ready-to-cook meals: Currently, Qudian focuses on its ready-to-cook meals business.
Leadership and Structure
The founder and CEO is Min Luo. The company operates with a typical corporate structure, including a board of directors and various management teams overseeing different business units.
Top Products and Market Share
Key Offerings
- Ready-to-cook Meals: Qudian's ready-to-cook meals target young consumers looking for easy meal preparation. Market share information for this nascent segment is not readily available. Competitors include other ready-to-cook meal companies and established food delivery platforms.
- Micro-Credit Loans (Historically): Historically, the company provided small, short-term loans via mobile apps. Market share data specific to Qudian in this sector is difficult to obtain post-regulatory changes. Competitors included other online lending platforms in China (before regulations).
Market Dynamics
Industry Overview
The ready-to-cook meals industry is growing, driven by convenience and changing consumer habits. The Chinese online lending industry has faced significant regulatory tightening in recent years.
Positioning
Qudian is attempting to reposition itself as a provider of ready-to-cook meals. Its competitive advantage is based on its brand recognition among young consumers and potentially its existing customer base.
Total Addressable Market (TAM)
The TAM for ready-to-cook meals in China is substantial and growing, estimated to be in the tens of billions of USD. Qudian's position within this TAM is relatively new and its market share is evolving.
Upturn SWOT Analysis
Strengths
- Brand recognition among young consumers (historically)
- Established technology infrastructure (historically)
- Available capital from past lending operations
Weaknesses
- Negative reputation from previous lending practices
- Lack of experience in the food industry
- Uncertainty about regulatory environment in China
- Dependence on single product now
Opportunities
- Growing demand for convenient food solutions
- Expansion into new product categories within the food sector
- Partnerships with established food suppliers and retailers
Threats
- Intense competition in the food industry
- Changing consumer preferences
- Regulatory risks in China
- Negative publicity
Competitors and Market Share
Key Competitors
- IMCR
- SFUN
- DLPN
Competitive Landscape
Qudian faces a highly competitive landscape in the ready-to-cook meals industry. Its advantages are its brand and some experience in data analysis. Its disadvantages are its lack of industry experience and reputation from its past lending business.
Growth Trajectory and Initiatives
Historical Growth: Historical growth was driven by the online lending business, which has now been significantly curtailed.
Future Projections: Future growth depends on the success of the ready-to-cook meals business. Analyst estimates are limited and highly uncertain.
Recent Initiatives: The main recent initiative is the transition to the ready-to-cook meals business.
Summary
Qudian Inc. faces significant challenges transitioning from an online lending business to the ready-to-cook meals sector. The company's success hinges on its ability to establish a strong presence in a highly competitive market, overcome negative brand perception, and adapt to the evolving regulatory landscape in China. While Qudian has available capital, uncertainty persists regarding its ability to execute its new business strategy. Qudian Inc needs to address negative public perceptions of the former lending business, and grow revenue in the new ready to cook meals sector.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Market reports
- Analyst estimates
- News articles
Disclaimers:
This analysis is based on available information and is subject to change. Market share data is estimated and may not be precise. The AI-based rating is for informational purposes only and should not be considered investment advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Qudian Inc
Exchange NYSE | Headquaters - | ||
IPO Launch date 2017-10-18 | Founder, Chairman & CEO Mr. Min Luo | ||
Sector Financial Services | Industry Credit Services | Full time employees 262 | Website https://www.qudian.com |
Full time employees 262 | Website https://www.qudian.com |
Qudian Inc. operates as a consumer-oriented technology company in the People's Republic of China. The company provides borrowers with merchandise and cash installment credit services, credit facilitation services, transaction services, automobile financing services, ready-to-cook meal sales, educational services, and delivery services. It also provides technology development and services; research and development services; and delivery services. The company was founded in 2014 and is headquartered in Xiamen, the People's Republic of China.
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