US · QD
Qudian Inc.
- Sector
- Financial Services · Financial - Credit Services
- Headquarters
- Xiamen 361000
- Website
- qudian.com
Price · as of 2024-12-31
—
Market cap 805.11M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $1.70 | — |
| Intrinsic Value(DCF) | $4.65 | — |
| Graham-Dodd Method(GD) | $9.00 | — |
| Graham Formula(GF) | $5.40 | — |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | |||||
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | |||||
| 2015 | $0.00 | $0.00 | |||
| 2016 | $0.00 | $122.50 | |||
| 2017 | $15.85 | $17.74 | $630.57 | $9.40 | $228.60 |
| 2018 | $5.52 | $13.12 | $0.51 | $10.20 | $72.90 |
| 2019 | $2.11 | $25.05 | $2.20 | $13.30 | $34.50 |
| 2020 | $2.60 | $15.13 | $1.63 | $8.80 | $0.00 |
| 2021 | $0.72 | $12.94 | $5.23 | $8.60 | $0.00 |
| 2022 | $1.13 | $7.91 | $4.35 | $5.80 | $11.10 |
| 2023 | $2.38 | $11.71 | $5.93 | $7.70 | $0.00 |
| 2024 | $2.77 | $12.14 | $4.79 | $9.00 | $5.40 |
AI valuation
Our deep-learning model estimates Qudian Inc.'s (QD) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $1.70
- Current price
- —
- AI upside
- —
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$4.65
— upside
Graham-Dodd
$9.00
— upside
Graham Formula
$5.40
— upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| QD | Qudian Inc. | $4.95 | 805.11M | +145% | -6% | +82% | +9% | 39.38 | 0.32 | 16.69 | -14.04 | 22.87 | 0.32 | 7.12% | -142.38% | 42.38% | 0.80% | -5.10% | 0.74% | 0.07 | — | 9.02 | 6.81 | -16.32 | 17222.00% | 7131.00% | 10140.00% | -11.87% | -0.10 | -12.19% | 0.00% | 0.00% | 14.76% | 9.71 | 6.97 | -13.82 | 3.63 |
| ATLC | Atlanticus Holdings Corpo… | $57.70 | 872.74M | +223% | +351% | -22% | +327% | 6.10 | 1.38 | 1.48 | 19.54 | 48.83 | 1.38 | 61.59% | 30.15% | 24.22% | 25.08% | 4.68% | 3.72% | 5.08 | 0.87 | 5.21 | 5.21 | 14.81 | 1250.00% | 2568.00% | 270.00% | 68.84% | 6.51 | 19.88% | 3.79% | 23.10% | 11.54% | 20.27 | 6.01 | 6.11 | 0.71 |
| BBDC | Barings BDC, Inc. | $9.06 | 952.74M | +201% | -62% | — | +181% | 7.66 | 0.78 | 3.63 | 11.87 | — | 0.78 | 74.00% | 85.18% | 40.96% | 10.02% | 8.03% | 4.42% | 1.23 | 2.49 | 3.62 | 2.38 | 7.14 | -673.00% | 1900.00% | 3623.00% | 17.79% | 3.54 | 6.31% | 13.88% | 106.30% | 15.61% | 10.69 | 14.11 | 9.10 | 0.41 |
| BOW | Bowhead Specialty Holding… | $25.92 | 849.78M | +219% | +2,306% | -16% | +131% | 15.58 | 1.87 | 1.52 | -11.06 | 67.01 | 1.87 | 40.16% | 12.20% | 9.75% | 13.14% | -6.07% | 2.67% | 0.00 | 33.43 | 5110.75 | 5110.75 | -3.37 | 2326.00% | 2961.00% | -10013.00% | -0.05% | -1.22 | 0.04% | 0.00% | 0.00% | 16.26% | -11.39 | 2006.63 | -1.39 | 1.47 |
| CFFN | Capitol Federal Financial… | $6.29 | 814.93M | +314% | -33% | -13% | +47% | 12.53 | 0.81 | 2.04 | 18.55 | 15.80 | 0.82 | 47.30% | 19.89% | 16.30% | 6.54% | 3.39% | 0.70% | 1.86 | 0.38 | 1.27 | 0.17 | 18.72 | 7931.00% | 1003.00% | 10766.00% | 5.85% | 0.01 | 2.48% | 5.19% | 65.10% | 36.60% | 20.28 | 33.78 | 4.03 | 0.33 |
| ESQ | Esquire Financial Holding… | $96.80 | 826.53M | -50% | +186% | -49% | +22% | 12.83 | 2.36 | 4.05 | 3.07 | 273.93 | 2.36 | 86.88% | 42.87% | 31.57% | 20.04% | -39.74% | 2.49% | 0.00 | 4.41 | 0.23 | 0.23 | -2.02 | 468.00% | 1367.00% | -85.00% | 6.97% | 0.03 | -35.55% | 0.87% | 11.10% | 0.87% | 3.24 | 4.92 | 1.39 | -0.31 |
| HAFC | Hanmi Financial Corporati… | $26.74 | 805.57M | -23% | -16% | -15% | +10% | 10.34 | 0.99 | 1.77 | -0.24 | 46.09 | 1.00 | 57.46% | 24.27% | 17.11% | 9.96% | -149.34% | 0.98% | 0.35 | 0.62 | 3.58 | 3.58 | 0.63 | 2244.00% | 355.00% | 30138.00% | 26.18% | 0.10 | -404.33% | 4.15% | 42.90% | 7.97% | -0.24 | -0.13 | -0.06 | 1.08 |
| LX | LexinFintech Holdings Ltd… | $4.38 | 745.66M | +175% | -16% | +167% | +252% | 9.29 | 0.95 | 0.72 | 8.71 | 368.26 | 1.04 | 35.39% | 16.10% | 7.75% | 10.76% | 14.26% | 4.85% | 0.49 | 253.83 | 1.86 | 0.85 | 1.99 | 252.00% | 878.00% | -6737.00% | 8.16% | 0.11 | 6.40% | 1.61% | 14.90% | 1.61% | 5.76 | 15.77 | 0.93 | 2.45 |
| NRDS | NerdWallet, Inc. | $12.04 | 914.73M | +297% | +416% | -45% | +57% | 16.90 | 2.20 | 0.98 | 6.25 | 26.37 | 3.59 | 92.39% | 8.32% | 5.82% | 13.19% | 17.11% | 10.84% | 0.00 | 116.00 | 3.45 | 2.95 | -0.85 | 6410.00% | 2167.00% | 8301.00% | 15.83% | 1.86 | 44.87% | 0.00% | 0.00% | 13.50% | 10.42 | 5.56 | 0.87 | 7.90 |
| TIGR | UP Fintech Holding Limite… | $10.46 | 810.85M | +10,426% | -65% | -43% | +80% | 19.43 | 1.80 | 3.01 | 5.88 | 27.20 | 1.84 | 65.01% | 35.57% | 15.51% | 10.61% | 76.14% | 1.20% | 0.27 | 2.29 | 1.14 | 0.69 | -1.42 | 7143.00% | 4368.00% | -895772.00% | 70.04% | 0.15 | 602.15% | 0.00% | 0.00% | 5.43% | 6.38 | 1.08 | 2.27 | 0.41 |
| WRLD | World Acceptance Corporat… | $134.38 | 731.81M | +145% | -34% | +19% | -18% | 10.00 | 2.04 | 1.59 | 8.57 | 42.42 | 2.11 | 70.04% | 28.06% | 15.89% | 20.78% | 13.06% | 8.70% | 1.20 | 3.71 | 12.55 | 12.55 | 3.13 | 2358.00% | -146.00% | -361.00% | 27.91% | 3.88 | 25.75% | 0.00% | 0.00% | 11.64% | 8.92 | 5.64 | 2.50 | 3.17 |
About Qudian Inc.
Qudian 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.
- CEO
- Min Luo
- Employees
- 262
- Beta
- 0.77
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($4.65 ÷ —) − 1 = — (DCF, example).