Qudian (QD) Stock Price, News & Analysis

Company Overview

Qudian Inc is a Beijing-based online consumer finance company that specializes in leveraging technology to provide small, short-term credit products to underserved consumers in China. The company operates through a digital platform that assesses creditworthiness using big data analytics, artificial intelligence, and machine learning. By automating the credit approval process, Qudian aims to deliver a seamless, user-friendly experience for borrowers seeking quick access to funds for everyday needs such as education, healthcare, and travel.

Qudian’s suite of products includes revolving credit lines, installment-based loans and point-of-sale financing solutions. These offerings are primarily targeted at young adults and urban professionals who may lack traditional collateral or credit histories. The company partners with major e-commerce platforms and social media channels to integrate its financing options directly into the online shopping experience. This embedded lending model helps Qudian maintain low acquisition costs while opening credit lines at the moment of purchase.

Since its founding in 2014, Qudian has expanded its geographic footprint across major metropolitan areas in Mainland China. After listing on the New York Stock Exchange in 2017, the company continued to invest in technology-driven underwriting and risk management systems. Qudian has also diversified into savings and wealth management products for its lending customers, aiming to build a broader financial ecosystem underpinned by digital capabilities.

Leadership at Qudian is spearheaded by co-founder and Chief Executive Officer Min Luo, who holds a background in technology and consumer internet services. Under Luo’s direction, Qudian has experienced rapid growth by focusing on data-driven decision making and regulatory compliance. The company’s management team comprises seasoned professionals with expertise in financial services, risk management and software development, positioning Qudian to adapt to evolving market conditions in China’s fintech landscape.

Key Stats

• Today's Range: $2.99 to $3.04
• 50-Day Range: $2.64 to $3.11
• 52-Week Range: $1.64 to $3.34
• Volume: 135,853 shs
• Average Volume: 496,264 shs
• Market Capitalization: $509.44 million
• P/E Ratio: 12.58
• Dividend Yield: N/A
• Price Target: N/A
• Consensus Rating: Buy

Qudian Stock Analysis - MarketRank™

Qudian scored higher than 22% of companies evaluated by MarketBeat, and ranked 195th out of 300 stocks in the business services sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Qudian.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Qudian is 12.58, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.65.

Price to Earnings Ratio vs. Sector

The P/E ratio of Qudian is 12.58, which means that it is trading at a less expensive P/E ratio than the Business Services sector average P/E ratio of about 28.89.

Price to Book Value per Share Ratio

Qudian has a P/B Ratio of 0.33. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.34% of the float of Qudian has been sold short.

Short Interest Ratio / Days to Cover

Qudian has a short interest ratio ("days to cover") of 1.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Qudian has recently increased by 61.58%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Qudian does not currently pay a dividend.

Dividend Growth

Qudian does not have a long track record of dividend growth.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.34% of the float of Qudian has been sold short.

Short Interest Ratio / Days to Cover

Qudian has a short interest ratio ("days to cover") of 1.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Qudian has recently increased by 61.58%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 0.6 / 5
• News Sentiment: N/A

MarketBeat Follows

1 people have added Qudian to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Qudian insiders have not sold or bought any company stock.

Percentage Held by Insiders

25.70% of the stock of Qudian is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 8.10% of the stock of Qudian is held by institutions.

QD Stock Analysis - Frequently Asked Questions

How have QD shares performed this year?

Qudian's stock was trading at $2.82 at the start of the year. Since then, QD shares have increased by 7.1% and is now trading at $3.02.

How were Qudian's earnings last quarter?

Qudian Inc. - Sponsored ADR (NYSE:QD) posted its earnings results on Friday, May, 30th. The company reported $0.12 earnings per share (EPS) for the quarter. The company earned $3.55 million during the quarter. Qudian had a net margin of 170.45% and a trailing twelve-month return on equity of 2.79%.

When did Qudian IPO?

Qudian (QD) raised $769 million in an IPO on Wednesday, October 18th 2017. The company issued 37,500,000 shares at $19.00-$22.00 per share. Morgan Stanley, Credit Suisse, Citigroup, CICc and UBS Securities served as the underwriters for the IPO and Stifel, Nicolaus and Needham were co-managers.

How do I buy shares of Qudian?

Shares of QD stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Qudian own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Qudian investors own include Meta Platforms (META), NVIDIA (NVDA), Broadcom (AVGO), Adobe (ADBE), GE Aerospace (GE), Alibaba Group (BABA) and Advanced Micro Devices (AMD).

Company Calendar

• Last Earnings: 5/30/2025
• Today: 7/05/2025
• Next Earnings (Estimated): 9/05/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Business Services
• Industry: Technology Services
• Sub-Industry: Banking
• Current Symbol: NYSE:QD
• CIK: 1018833
• Web: www.qudian.com
• Phone: 865925911580
• Fax: N/A
• Employees: 940
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $0.24
• Trailing P/E Ratio: 12.58
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $12.57 million
• Net Margins: 170.45%
• Pretax Margin: 189.42%
• Return on Equity: 2.79%
• Return on Assets: 2.56%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 8.15
• Quick Ratio: 8.15

Sales & Book Value

• Annual Sales: $29.65 million
• Price / Sales: 17.18
• Cash Flow: $0.09 per share
• Price / Cash Flow: 32.55
• Book Value: $9.17 per share
• Price / Book: 0.33

Miscellaneous

• Outstanding Shares: 168,690,000
• Free Float: 125,336,000
• Market Cap: $509.44 million
• Optionable: Optionable
• Beta: 0.63