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QD (Qudian) Stock Analysis
Buy, Hold or Sell?

Let's analyze Qudian together

I guess you are interested in Qudian Inc. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

  • 📊 Fundamental Analysis (FA) – Qudian’s Financial Insights
  • 📈 Technical Analysis (TA) – Qudian’s Price Targets

I'm going to help you getting a better view of Qudian Inc. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

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1. Quick Overview

1.1. Quick analysis of Qudian (30 sec.)










1.2. What can you expect buying and holding a share of Qudian? (30 sec.)

How much money do you get?

How much money do you get?
$0.00
When do you have the money?
1 year
How often do you get paid?
40.0%

What is your share worth?

Current worth
$8.39
Expected worth in 1 year
$12.36
How sure are you?
90.0%

+ What do you gain per year?

Total Gains per Share
$3.97
Return On Investment
117.1%

For what price can you sell your share?

Current Price per Share
$3.39
Expected price per share
$2.836 - $
How sure are you?
50%
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2. Detailed Analysis

2.1. Valuation of Qudian (5 min.)




Live pricePrice per Share (EOD)
$3.39
Intrinsic Value Per Share
$-22.11 - $4.38
Total Value Per Share
$-13.72 - $12.77

2.2. Growth of Qudian (5 min.)




Is Qudian growing?

Current yearPrevious yearGrowGrow %
How rich?$1.5b$1.6b-$55.3m-3.5%

How much money is Qudian making?

Current yearPrevious yearGrowGrow %
Making money$12.7m$5.4m$7.3m57.3%
Net Profit Margin42.4%31.0%--

How much money comes from the company's main activities?

2.3. Financial Health of Qudian (5 min.)




2.4. Comparing to competitors in the Credit Services industry (5 min.)




  Industry Rankings (Credit Services)  


Richest
#46 / 221

Most Revenue
#140 / 221

Most Profit
#100 / 221
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3. Summary and Key Metrics

3.1. What can you expect buying and holding a share of Qudian?

Welcome investor! Qudian's management wants to use your money to grow the business. In return you get a share of Qudian.

First you should know what it really means to hold a share of Qudian. And how you can make/lose money.

Speculation

The Price per Share of Qudian is $3.39. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Qudian.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Qudian, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is $8.39. Based on the TTM, the Book Value Change Per Share is $0.99 per quarter. Based on the YOY, the Book Value Change Per Share is $0.57 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is $0.00 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Qudian.

How much money are you going to get?

 MRQTTMYOY3Y5Y10Y
 $% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share
Usd Eps0.072.0%0.072.0%0.020.7%-0.04-1.1%0.144.0%0.4413.0%
Usd Book Value Change Per Share0.9929.3%0.9929.3%0.5716.8%0.6118.0%0.5716.8%0.8424.9%
Usd Dividend Per Share0.000.0%0.000.0%0.000.0%0.000.0%0.010.2%0.4412.9%
Usd Total Gains Per Share0.9929.3%0.9929.3%0.5716.8%0.6118.0%0.5817.1%1.2837.8%
Usd Price Per Share2.82-2.82-2.04-1.94-1.63-2.97-
Price to Earnings Ratio41.38-41.38-82.38-39.71-25.02-14.48-
Price-to-Total Gains Ratio2.84-2.84-3.59-3.33-2.88-4.29-
Price to Book Ratio0.34-0.34-0.28-0.25-0.23-0.58-
Price-to-Total Gains Ratio2.84-2.84-3.59-3.33-2.88-4.29-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share3.39
Number of shares294
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.000.01
Usd Book Value Change Per Share0.990.57
Usd Total Gains Per Share0.990.58
Gains per Quarter (294 shares)291.75170.00
Gains per Year (294 shares)1,167.02680.00
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
10116711579671670
20233423241813421350
30350134912820122030
40466846583726832710
50583558254633543390
60700269925540254070
70816981596446964750
80933693267453665430
9010503104938360376110
10011670116609267086790

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share1.00.00.0100.0%2.01.00.066.7%4.01.00.080.0%8.02.00.080.0%8.03.00.072.7%
Book Value Change Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%9.01.00.090.0%9.02.00.081.8%
Dividend per Share0.00.01.00.0%0.00.03.00.0%1.00.04.020.0%4.00.06.040.0%5.00.06.045.5%
Total Gains per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%9.01.00.090.0%9.02.00.081.8%
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3.2. Key Performance Indicators

The key performance indicators of Qudian Inc compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-3Y+/-5 Year+/-10 Year+/-
Book Value Change Per Share--0.9920.9920%0.568+75%0.609+63%0.570+74%0.844+18%
Book Value Per Share--8.3888.3880%7.396+13%7.537+11%7.046+19%4.558+84%
Current Ratio--9.0209.0200%13.466-33%13.797-35%18.177-50%10.249-12%
Debt To Asset Ratio--0.0940.0940%0.064+48%0.071+33%0.087+8%0.658-86%
Debt To Equity Ratio--0.1040.1040%0.068+53%0.077+35%0.096+8%0.258-60%
Dividend Per Share----0%-0%-0%0.008-100%0.439-100%
Enterprise Value--1396964580.0001396964580.0000%1650841123.790-15%1474307937.583-5%1333771653.755+5%1499583347.253-7%
Eps--0.0680.0680%0.025+175%-0.037+155%0.137-50%0.441-85%
Ev To Ebitda Ratio--47.01447.0140%82.902-43%27.027+74%19.149+146%13.682+244%
Ev To Sales Ratio--46.27046.2700%93.669-51%52.336-12%32.828+41%21.370+117%
Free Cash Flow Per Share---0.319-0.3190%-0.135-58%-0.154-52%0.183-274%0.651-149%
Free Cash Flow To Equity Per Share---0.180-0.1800%-0.493+174%-0.384+114%-0.126-30%0.455-140%
Gross Profit Margin--0.9360.9360%0.903+4%1.196-22%1.013-8%1.007-7%
Intrinsic Value_10Y_max--4.383----------
Intrinsic Value_10Y_min---22.113----------
Intrinsic Value_1Y_max--0.607----------
Intrinsic Value_1Y_min---0.680----------
Intrinsic Value_3Y_max--1.695----------
Intrinsic Value_3Y_min---3.386----------
Intrinsic Value_5Y_max--2.630----------
Intrinsic Value_5Y_min---7.542----------
Market Cap344542650.000-54%529542420.000529542420.0000%449730368.520+18%404583949.826+31%370079206.201+43%847421631.676-38%
Net Profit Margin--0.4240.4240%0.310+37%0.036+1090%0.145+193%0.128+232%
Operating Margin--0.7280.7280%0.803-9%0.357+104%0.386+89%0.279+161%
Operating Ratio--2.4242.4240%3.620-33%2.538-5%1.769+37%1.304+86%
Pb Ratio0.404+17%0.3360.3360%0.276+22%0.251+34%0.225+49%0.577-42%
Pe Ratio49.746+17%41.38241.3820%82.381-50%39.707+4%25.018+65%14.485+186%
Price Per Share3.390+17%2.8202.8200%2.040+38%1.938+46%1.632+73%2.970-5%
Price To Free Cash Flow Ratio-10.637-20%-8.849-8.8490%-15.135+71%-51.919+487%-30.076+240%-13.646+54%
Price To Total Gains Ratio3.416+17%2.8422.8420%3.592-21%3.333-15%2.878-1%4.287-34%
Quick Ratio--9.5949.5940%15.846-39%17.125-44%23.602-59%12.825-25%
Return On Assets--0.0070.0070%0.003+135%-0.006+181%0.019-61%0.053-86%
Return On Equity--0.0080.0080%0.003+143%-0.006+176%0.022-63%0.084-90%
Total Gains Per Share--0.9920.9920%0.568+75%0.609+63%0.578+72%1.283-23%
Usd Book Value--1575154345.5001575154345.5000%1630469160.594-3%1628527323.198-3%1658807779.619-5%1140200080.518+38%
Usd Book Value Change Per Share--0.9920.9920%0.568+75%0.609+63%0.570+74%0.844+18%
Usd Book Value Per Share--8.3888.3880%7.396+13%7.537+11%7.046+19%4.558+84%
Usd Dividend Per Share----0%-0%-0%0.008-100%0.439-100%
Usd Enterprise Value--1396964580.0001396964580.0000%1650841123.790-15%1474307937.583-5%1333771653.755+5%1499583347.253-7%
Usd Eps--0.0680.0680%0.025+175%-0.037+155%0.137-50%0.441-85%
Usd Free Cash Flow---59845360.500-59845360.5000%-29714705.001-50%-30446494.845-49%56882375.980-205%200994297.260-130%
Usd Free Cash Flow Per Share---0.319-0.3190%-0.135-58%-0.154-52%0.183-274%0.651-149%
Usd Free Cash Flow To Equity Per Share---0.180-0.1800%-0.493+174%-0.384+114%-0.126-30%0.455-140%
Usd Market Cap344542650.000-54%529542420.000529542420.0000%449730368.520+18%404583949.826+31%370079206.201+43%847421631.676-38%
Usd Price Per Share3.390+17%2.8202.8200%2.040+38%1.938+46%1.632+73%2.970-5%
Usd Profit--12796474.50012796474.5000%5459128.691+134%-10746130.656+184%36738529.025-65%133645827.105-90%
Usd Revenue--30191706.00030191706.0000%17624200.244+71%42792076.841-29%174717507.570-83%408007968.227-93%
Usd Total Gains Per Share--0.9920.9920%0.568+75%0.609+63%0.578+72%1.283-23%
 EOD+3 -5MRQTTM+0 -0YOY+21 -173Y+20 -185Y+15 -2510Y+13 -27

3.3 Fundamental Score

Let's check the fundamental score of Qudian Inc based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1549.746
Price to Book Ratio (EOD)Between0-10.404
Net Profit Margin (MRQ)Greater than00.424
Operating Margin (MRQ)Greater than00.728
Quick Ratio (MRQ)Greater than19.594
Current Ratio (MRQ)Greater than19.020
Debt to Asset Ratio (MRQ)Less than10.094
Debt to Equity Ratio (MRQ)Less than10.104
Return on Equity (MRQ)Greater than0.150.008
Return on Assets (MRQ)Greater than0.050.007
Total7/10 (70.0%)

3.4 Technical Score

Let's check the technical score of Qudian Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5068.846
Ma 20Greater thanMa 503.049
Ma 50Greater thanMa 1002.956
Ma 100Greater thanMa 2002.819
OpenGreater thanClose3.430
Total5/5 (100.0%)

4. In-depth Analysis

4.1 About Qudian Inc

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.

Fundamental data was last updated by Penke on 2025-07-03 02:08:03.

4.2 In-depth Summary

4.2.1. Financial Health Summary

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating very efficient.
The company is inefficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is very able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is very able to pay all its debts by selling its assets.
The company is very able to pay all its debts with equity.

4.2.2. Valuation Summary

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is overpriced.
Based on how much money comes from the company's main activities, the company is expensive.
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4.3 Financial Health

4.3.1. Profitability

4.3.1 Profitability
4.3.1.1. Net Profit Margin

Measures how much net profit Qudian earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare Qudian to the Credit Services industry mean.
  • A Net Profit Margin of 42.4% means that $0.42 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Qudian Inc:

  • The MRQ is 42.4%. The company is making a huge profit. +2
  • The TTM is 42.4%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ42.4%TTM42.4%0.0%
TTM42.4%YOY31.0%+11.4%
TTM42.4%5Y14.5%+27.9%
5Y14.5%10Y12.8%+1.7%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ42.4%12.8%+29.6%
TTM42.4%13.7%+28.7%
YOY31.0%14.2%+16.8%
3Y3.6%14.9%-11.3%
5Y14.5%15.9%-1.4%
10Y12.8%15.2%-2.4%
4.3.1.2. Return on Assets

Shows how efficient Qudian is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Qudian to the Credit Services industry mean.
  • 0.7% Return on Assets means that Qudian generated $0.01 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Qudian Inc:

  • The MRQ is 0.7%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.7%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.7%TTM0.7%0.0%
TTM0.7%YOY0.3%+0.4%
TTM0.7%5Y1.9%-1.2%
5Y1.9%10Y5.3%-3.4%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ0.7%0.9%-0.2%
TTM0.7%0.9%-0.2%
YOY0.3%1.0%-0.7%
3Y-0.6%1.1%-1.7%
5Y1.9%1.0%+0.9%
10Y5.3%1.0%+4.3%
4.3.1.3. Return on Equity

Shows how efficient Qudian is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Qudian to the Credit Services industry mean.
  • 0.8% Return on Equity means Qudian generated $0.01 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Qudian Inc:

  • The MRQ is 0.8%. Using its investors money, the company is inefficient in making profit. -1
  • The TTM is 0.8%. Using its investors money, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.8%TTM0.8%0.0%
TTM0.8%YOY0.3%+0.5%
TTM0.8%5Y2.2%-1.4%
5Y2.2%10Y8.4%-6.2%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ0.8%3.2%-2.4%
TTM0.8%3.3%-2.5%
YOY0.3%3.7%-3.4%
3Y-0.6%3.5%-4.1%
5Y2.2%3.5%-1.3%
10Y8.4%3.9%+4.5%
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4.3.2. Operating Efficiency of Qudian Inc.

4.3.2. Operating Efficiency
4.3.2.1. Operating Margin

Measures how efficient Qudian is operating .

  • Measures how much profit Qudian makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Qudian to the Credit Services industry mean.
  • An Operating Margin of 72.8% means the company generated $0.73  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Qudian Inc:

  • The MRQ is 72.8%. The company is operating very efficient. +2
  • The TTM is 72.8%. The company is operating very efficient. +2
Trends
Current periodCompared to+/- 
MRQ72.8%TTM72.8%0.0%
TTM72.8%YOY80.3%-7.5%
TTM72.8%5Y38.6%+34.2%
5Y38.6%10Y27.9%+10.7%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ72.8%18.3%+54.5%
TTM72.8%16.0%+56.8%
YOY80.3%22.9%+57.4%
3Y35.7%18.1%+17.6%
5Y38.6%19.6%+19.0%
10Y27.9%23.6%+4.3%
4.3.2.2. Operating Ratio

Measures how efficient Qudian is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Credit Services industry mean).
  • An Operation Ratio of 2.42 means that the operating costs are $2.42 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Qudian Inc:

  • The MRQ is 2.424. The company is inefficient in keeping operating costs low. -1
  • The TTM is 2.424. The company is inefficient in keeping operating costs low. -1
Trends
Current periodCompared to+/- 
MRQ2.424TTM2.4240.000
TTM2.424YOY3.620-1.196
TTM2.4245Y1.769+0.655
5Y1.76910Y1.304+0.465
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ2.4240.975+1.449
TTM2.4240.922+1.502
YOY3.6200.832+2.788
3Y2.5380.868+1.670
5Y1.7690.828+0.941
10Y1.3040.796+0.508
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4.4.3. Liquidity of Qudian Inc.

4.4.3. Liquidity
4.4.3.1. Current Ratio

Measures if Qudian is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Credit Services industry mean).
  • A Current Ratio of 9.02 means the company has $9.02 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Qudian Inc:

  • The MRQ is 9.020. The company is very able to pay all its short-term debts. +2
  • The TTM is 9.020. The company is very able to pay all its short-term debts. +2
Trends
Current periodCompared to+/- 
MRQ9.020TTM9.0200.000
TTM9.020YOY13.466-4.446
TTM9.0205Y18.177-9.157
5Y18.17710Y10.249+7.928
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ9.0202.212+6.808
TTM9.0202.158+6.862
YOY13.4661.763+11.703
3Y13.7973.329+10.468
5Y18.1773.991+14.186
10Y10.2494.470+5.779
4.4.3.2. Quick Ratio

Measures if Qudian is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Qudian to the Credit Services industry mean.
  • A Quick Ratio of 9.59 means the company can pay off $9.59 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Qudian Inc:

  • The MRQ is 9.594. The company is very able to pay all its short-term debts with the most liquid assets. +2
  • The TTM is 9.594. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ9.594TTM9.5940.000
TTM9.594YOY15.846-6.252
TTM9.5945Y23.602-14.008
5Y23.60210Y12.825+10.777
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ9.5940.945+8.649
TTM9.5940.987+8.607
YOY15.8461.515+14.331
3Y17.1252.579+14.546
5Y23.6024.212+19.390
10Y12.8254.219+8.606
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4.5.4. Solvency of Qudian Inc.

4.5.4. Solvency
4.5.4.1. Debt to Asset Ratio

Measures how much % of Qudian assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Qudian to Credit Services industry mean.
  • A Debt to Asset Ratio of 0.09 means that Qudian assets are financed with 9.4% credit (debt) and the remaining percentage (100% - 9.4%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Qudian Inc:

  • The MRQ is 0.094. The company is very able to pay all its debts by selling its assets. +2
  • The TTM is 0.094. The company is very able to pay all its debts by selling its assets. +2
Trends
Current periodCompared to+/- 
MRQ0.094TTM0.0940.000
TTM0.094YOY0.064+0.030
TTM0.0945Y0.087+0.007
5Y0.08710Y0.658-0.571
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ0.0940.734-0.640
TTM0.0940.741-0.647
YOY0.0640.721-0.657
3Y0.0710.715-0.644
5Y0.0870.719-0.632
10Y0.6580.706-0.048
4.5.4.2. Debt to Equity Ratio

Measures if Qudian is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Qudian to the Credit Services industry mean.
  • A Debt to Equity ratio of 10.4% means that company has $0.10 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Qudian Inc:

  • The MRQ is 0.104. The company is very able to pay all its debts with equity. +2
  • The TTM is 0.104. The company is very able to pay all its debts with equity. +2
Trends
Current periodCompared to+/- 
MRQ0.104TTM0.1040.000
TTM0.104YOY0.068+0.036
TTM0.1045Y0.096+0.008
5Y0.09610Y0.258-0.162
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ0.1042.569-2.465
TTM0.1042.593-2.489
YOY0.0682.590-2.522
3Y0.0772.610-2.533
5Y0.0962.526-2.430
10Y0.2582.407-2.149
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4.6. Market Valuation

4.6.1. Earnings Per Share
4.6.2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Qudian generates.

  • Above 15 is considered overpriced but always compare Qudian to the Credit Services industry mean.
  • A PE ratio of 41.38 means the investor is paying $41.38 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Qudian Inc:

  • The EOD is 49.746. Based on the earnings, the company is overpriced. -1
  • The MRQ is 41.382. Based on the earnings, the company is overpriced. -1
  • The TTM is 41.382. Based on the earnings, the company is overpriced. -1
Trends
Current periodCompared to+/- 
EOD49.746MRQ41.382+8.364
MRQ41.382TTM41.3820.000
TTM41.382YOY82.381-40.999
TTM41.3825Y25.018+16.364
5Y25.01810Y14.485+10.533
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
EOD49.7469.821+39.925
MRQ41.3828.970+32.412
TTM41.38210.013+31.369
YOY82.3818.195+74.186
3Y39.7079.919+29.788
5Y25.01810.718+14.300
10Y14.48512.888+1.597
4.6.2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Qudian Inc:

  • The EOD is -10.637. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The MRQ is -8.849. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The TTM is -8.849. Based on how much money comes from the company's main activities, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD-10.637MRQ-8.849-1.789
MRQ-8.849TTM-8.8490.000
TTM-8.849YOY-15.135+6.286
TTM-8.8495Y-30.076+21.228
5Y-30.07610Y-13.646-16.430
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
EOD-10.6370.848-11.485
MRQ-8.8490.687-9.536
TTM-8.8490.750-9.599
YOY-15.1350.034-15.169
3Y-51.919-0.066-51.853
5Y-30.0760.202-30.278
10Y-13.646-0.057-13.589
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4.6.2. Book Value per Share
4.6.2.1. Price to Book Ratio

Measures if the stock price of Qudian is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Credit Services industry mean).
  • A PB ratio of 0.34 means the investor is paying $0.34 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Qudian Inc:

  • The EOD is 0.404. Based on the equity, the company is cheap. +2
  • The MRQ is 0.336. Based on the equity, the company is cheap. +2
  • The TTM is 0.336. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD0.404MRQ0.336+0.068
MRQ0.336TTM0.3360.000
TTM0.336YOY0.276+0.060
TTM0.3365Y0.225+0.111
5Y0.22510Y0.577-0.351
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
EOD0.4040.948-0.544
MRQ0.3360.917-0.581
TTM0.3360.959-0.623
YOY0.2761.040-0.764
3Y0.2511.045-0.794
5Y0.2251.198-0.973
10Y0.5771.462-0.885
4.6.2. Total Gains per Share

4.7 Holders & Insider Transactions

Let's take a look at which institutions, funds and insiders are holding shares of Qudian Inc.

4.8.1. Institutions holding Qudian Inc

Institutions are holding 17.626% of the shares of Qudian Inc.

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2025-03-31UBS Group AG2.12140.00173503043-226085-6.0627
2025-03-31Acadian Asset Management LLC1.90810.0239315077031012156258.1273
2025-03-31Dimensional Fund Advisors, Inc.0.85970.0011419549518423.7904
2025-03-31Morgan Stanley - Brokerage Accounts0.83480.00031378510-238646-14.7571
2025-03-31TAIKANG ASSET MANAGEMENT (HONG KONG) CO LTD0.78730.4765130000000
2025-03-31Arrowstreet Capital Limited Partnership0.74150.00271224335-18100-1.4568
2025-03-31Citigroup Inc0.35150.000858041700
2025-03-31HEALTHCARE OF ONTARIO PENSION PLAN TRUST FUND0.32990.003154470000
2025-03-31Marshall Wace Asset Management Ltd0.2840.001646888519457770.9338
2025-03-31JPMorgan Chase & Co0.2210.0001364938208094132.6758
2025-03-31Citadel Advisors Llc0.2090.00023451023295542119.5909
2025-03-31Millennium Management LLC0.18610.00043072563072560
2025-03-31SG Americas Securities, LLC0.1770.0026292295-76089-20.6548
2025-03-31(Junk)CommonWealth PPS0.1560.004125752300
2025-03-31Polunin Capital Partners Ltd0.1460.106724115400
2025-03-31Public Employees Retirement System Of Ohio0.14470.0023238916-70456-22.7739
2025-03-31Two Sigma Investments LLC0.13460.0013222186-80130-26.5054
2025-03-31Amvescap Plc.0.10080.000116637237932.333
2025-03-31State Street Corp0.08790145123-4162-2.788
2025-03-31American Century Companies Inc0.08430.00021392538550.6178
Total 9.86560.629616290327+3483518+21.4%

4.9.2. Funds holding Qudian Inc

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2025-04-30DFA Emerging Markets Core Equity 2 I0.29840.004949268900
2025-04-30DFA Emerging Markets Small Cap I0.19080.0249314980156055.2125
2025-05-31Invesco Golden Dragon China ETF0.09680.341115980700
2025-04-30DFA Emerging Markets Value I0.09520.0039157205-6763-4.1246
2025-05-30SPDR® S&P Emerging Markets Small Cap ETF0.06630.047210950000
2025-04-30DFA Emerging Markets Social Core Port0.04840.01387994300
2025-04-30Dimensional Emerg Mkt Trgtd Val USD Acc0.04410.034972812-74-0.1015
2025-04-30DFA World ex US Core Equity Instl0.04030.00436647300
2025-04-30Dimensional EM Core Equity Acc0.03710.00756124500
2025-05-31Avantis Emerging Markets Equity ETF0.0270.00134464900
2025-05-31Avantis® Emerging Markets Equity Instl0.02260.01743734500
2025-02-10AMOne FinTech Related Equity Index MF0.0212.047134739716825.9983
2025-04-30DFA Emerging Markets Trgt Val Instl0.01780.03022945800
2025-04-30Dimensional World Equity GBP Acc0.01640.001627036-7-0.0259
2025-04-30Acadian Emerging Markets Investor0.01540.0072539100
2025-04-30Dimensional Emerging Mkts Val EUR Acc0.01480.004724482160.0654
2025-05-30SPDR® S&P China ETF0.01470.01722422100
2025-03-31DFA International Core Equity Class F0.01170.0021940000
2025-04-30Dimensional World Allc 60/40 GBP Acc0.00910.00081506300
2025-03-31DFA International Vector Equity Class F0.00750.00371236200
Total 1.09542.61551808800+15945+0.9%
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5. Financial Statements




5.1. Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2020-12-312021-12-312022-12-312023-12-312024-12-31
Accumulated Other Comprehensive Income  -7,173-1,057-8,2301,819-6,4113,045-3,3665,2851,918



5.2. Latest Balance Sheet

Balance Sheet of 2024-12-31. Currency in CNY. All numbers in thousands.

Summary
Total Assets12,464,227
Total Liabilities1,172,798
Total Stockholder Equity11,291,429
 As reported
Total Liabilities 1,172,798
Total Stockholder Equity+ 11,291,429
Total Assets = 12,464,227

Assets

Total Assets12,464,227
Total Current Assets10,139,522
Long-term Assets2,324,705
Total Current Assets
Cash And Cash Equivalents 4,263,312
Short-term Investments 3,127,566
Net Receivables 266,013
Inventory 10,674
Other Current Assets 2,471,957
Total Current Assets  (as reported)10,139,522
Total Current Assets  (calculated)10,139,522
+/-0
Long-term Assets
Property Plant Equipment 1,744,040
Long Term Investments 225,088
Intangible Assets 2,207
Long-term Assets Other 353,369
Long-term Assets  (as reported)2,324,705
Long-term Assets  (calculated)2,324,704
+/- 1

Liabilities & Shareholders' Equity

Total Current Liabilities1,124,092
Long-term Liabilities48,706
Total Stockholder Equity11,291,429
Total Current Liabilities
Short-term Debt 738,697
Short Long Term Debt 720,000
Accounts payable 135,241
Other Current Liabilities 212,973
Total Current Liabilities  (as reported)1,124,092
Total Current Liabilities  (calculated)1,806,911
+/- 682,819
Long-term Liabilities
Capital Lease Obligations 67,403
Long-term Liabilities  (as reported)48,706
Long-term Liabilities  (calculated)67,403
+/- 18,697
Total Stockholder Equity
Common Stock176
Retained Earnings 8,670,119
Accumulated Other Comprehensive Income 13,751
Other Stockholders Equity 2,607,382
Total Stockholder Equity (as reported)11,291,429
Total Stockholder Equity (calculated)11,291,428
+/- 1
Other
Capital Stock176
Cash and Short Term Investments 7,390,878
Common Stock Shares Outstanding 187,781
Liabilities and Stockholders Equity 12,464,227
Net Debt -3,475,909
Net Invested Capital 12,011,429
Net Working Capital 9,015,430
Property Plant and Equipment Gross 1,799,789
Short Long Term Debt Total 787,403



5.3. Balance Sheets Structured

Currency in CNY. All numbers in thousands.

 Trend2024-12-312023-12-312022-12-312021-12-312020-12-312019-12-312018-12-312017-12-312016-12-312015-12-312014-12-31
> Total Assets 
543,892
2,675,596
7,117,599
19,380,416
16,253,374
18,667,214
13,398,032
14,071,188
12,746,435
12,482,196
12,464,227
12,464,22712,482,19612,746,43514,071,18813,398,03218,667,21416,253,37419,380,4167,117,5992,675,596543,892
   > Total Current Assets 
445,361
2,444,547
6,928,943
19,185,571
14,489,143
17,023,491
11,690,476
12,218,090
11,058,526
10,159,946
10,139,522
10,139,52210,159,94611,058,52612,218,09011,690,47617,023,49114,489,14319,185,5716,928,9432,444,547445,361
       Cash And Cash Equivalents 
1,929
210,114
785,770
6,832,306
2,501,188
2,860,938
1,537,558
2,065,495
3,502,041
7,207,343
4,263,312
4,263,3127,207,3433,502,0412,065,4951,537,5582,860,9382,501,1886,832,306785,770210,1141,929
       Short-term Investments 
0
49,000
430,200
300,000
0
231,132
5,042,314
5,926,601
5,378,305
2,197,014
3,127,566
3,127,5662,197,0145,378,3055,926,6015,042,314231,1320300,000430,20049,0000
       Net Receivables 
420,883
2,115,048
4,827,063
8,768,053
9,829,905
11,752,808
4,212,887
2,431,393
910,768
354,265
266,013
266,013354,265910,7682,431,3934,212,88711,752,8089,829,9058,768,0534,827,0632,115,048420,883
       Other Current Assets 
22,549
70,384
885,910
3,285,211
2,030,036
2,169,697
805,821
1,779,388
1,166,365
390,940
2,471,957
2,471,957390,9401,166,3651,779,388805,8212,169,6972,030,0363,285,211885,91070,38422,549
   > Long-term Assets 
98,531
231,049
188,656
194,845
1,764,231
1,643,723
1,707,556
1,853,098
1,687,909
2,322,250
2,324,705
2,324,7052,322,2501,687,9091,853,0981,707,5561,643,7231,764,231194,845188,656231,04998,531
       Property Plant Equipment 
1,081
1,882
4,886
4,613
26,224
241,672
513,867
959,708
877,028
1,472,923
1,744,040
1,744,0401,472,923877,028959,708513,867241,67226,2244,6134,8861,8821,081
       Goodwill 
0
0
0
0
0
0
0
0
0
0
0
00000000000
       Long Term Investments 
0
0
65,195
44,519
33,199
267,937
559,144
371,647
350,104
347,396
225,088
225,088347,396350,104371,647559,144267,93733,19944,51965,19500
       Intangible Assets 
0
29
128
5,908
113,809
6,803
8,478
11,012
9,701
3,093
2,207
2,2073,0939,70111,0128,4786,803113,8095,908128290
       Long-term Assets Other 
97,451
229,138
100,659
24,344
1,347,586
531,416
471,107
443,383
451,076
498,838
353,369
353,369498,838451,076443,383471,107531,4161,347,58624,344100,659229,13897,451
> Total Liabilities 
581,950
9,250,943
10,547,988
9,840,049
5,432,760
6,743,162
1,488,188
1,547,649
703,722
794,245
1,172,798
1,172,798794,245703,7221,547,6491,488,1886,743,1625,432,7609,840,04910,547,9889,250,943581,950
   > Total Current Liabilities 
506,733
3,217,607
4,527,957
9,330,025
5,019,362
3,897,321
472,609
493,518
584,929
754,486
1,124,092
1,124,092754,486584,929493,518472,6093,897,3215,019,3629,330,0254,527,9573,217,607506,733
       Short-term Debt 
392,649
1,562,883
4,183,231
7,979,415
3,860,441
1,071,489
23,763
37,470
35,374
29,938
738,697
738,69729,93835,37437,47023,7631,071,4893,860,4417,979,4154,183,2311,562,883392,649
       Short Long Term Debt 
75,388
0
4,183,231
7,979,415
3,860,441
1,049,570
0
0
29,062
0
720,000
720,000029,062001,049,5703,860,4417,979,4154,183,231075,388
       Accounts payable 
0
20,543
91,508
130,894
109,797
88,912
50,370
109,757
107,875
109,331
135,241
135,241109,331107,875109,75750,37088,912109,797130,89491,50820,5430
       Other Current Liabilities 
114,084
3,416
60,359
951,343
700,294
2,147,181
317,820
267,996
350,927
498,821
212,973
212,973498,821350,927267,996317,8202,147,181700,294951,34360,3593,416114,084
   > Long-term Liabilities 
75,217
6,033,336
6,020,030
510,024
413,398
2,845,841
1,015,579
1,054,131
118,793
39,759
48,706
48,70639,759118,7931,054,1311,015,5792,845,841413,398510,0246,020,0306,033,33675,217
       Long term Debt Total 
0
89,358
76,052
510,024
413,400
2,339,552
924,420
826,713
116,249
0
0
00116,249826,713924,4202,339,552413,400510,02476,05289,3580
       Long term Debt 
12,120
89,358
76,052
510,024
413,400
2,339,552
924,420
826,713
116,249
0
0
00116,249826,713924,4202,339,552413,400510,02476,05289,35812,120
       Capital Lease Obligations 
0
0
0
0
0
43,613
103,999
203,322
6,737
69,697
67,403
67,40369,6976,737203,322103,99943,61300000
       Other Liabilities 
0
0
0
0
0
178,985
10,923
58,618
2,118
0
0
002,11858,61810,923178,98500000
       Long-term Liabilities Other 
0
0
0
0
-2
0
0
10,012
0
0
0
00010,01200-20000
> Total Stockholder Equity
-38,058
-6,575,347
-3,430,389
9,540,367
10,820,614
11,924,052
11,899,844
12,516,686
12,042,713
11,687,951
11,291,429
11,291,42911,687,95112,042,71312,516,68611,899,84411,924,05210,820,6149,540,367-3,430,389-6,575,347-38,058
   Common Stock
0
0
55
221
205
175
176
176
176
176
176
1761761761761761752052215500
   Retained Earnings Total Equity00000000000
   Accumulated Other Comprehensive Income 
0
-703
-2,021
-77,947
-44,858
-12,965
-51,420
-58,997
-45,960
-24,131
13,751
13,751-24,131-45,960-58,997-51,420-12,965-44,858-77,947-2,021-7030
   Capital Surplus 
0
58,325
80,458
7,571,703
6,160,446
3,967,733
4,007,260
4,017,375
4,030,825
0
0
004,030,8254,017,3754,007,2603,967,7336,160,4467,571,70380,45858,3250
   Treasury Stock000-346,321-371,551-362,130-362,130-421,165000
   Other Stockholders Equity 
2,717
59,028
-5,941,957
7,150,538
5,798,316
3,605,603
3,635,709
3,671,054
3,549,242
3,133,518
2,607,382
2,607,3823,133,5183,549,2423,671,0543,635,7093,605,6035,798,3167,150,538-5,941,95759,0282,717



5.4. Balance Sheets

Currency in CNY. All numbers in thousands.




5.5. Cash Flows

Currency in CNY. All numbers in thousands.




5.6. Income Statements

Currency in CNY. All numbers in thousands.


5.7. Latest Income Statement

Income Statement (annual), 2024-12-31. Currency in CNY. All numbers in thousands.

Gross Profit (+$)
totalRevenue216,428
Cost of Revenue-201,023
Gross Profit15,40515,405
 
Operating Income (+$)
Gross Profit15,405
Operating Expense-323,553
Operating Income-308,148-308,148
 
Operating Expense (+$)
Research Development58,464
Selling General Administrative276,565
Selling And Marketing Expenses5,868
Operating Expense323,553340,897
 
Net Interest Income (+$)
Interest Income145,618
Interest Expense-0
Other Finance Cost-0
Net Interest Income145,618
 
Pretax Income (+$)
Operating Income-308,148
Net Interest Income145,618
Other Non-Operating Income Expenses0
Income Before Tax (EBT)157,537-773,833
EBIT - interestExpense = 157,537
157,537
91,731
Interest Expense0
Earnings Before Interest and Taxes (EBIT)157,537157,537
Earnings Before Interest and Taxes (EBITDA)213,002
 
After tax Income (+$)
Income Before Tax157,537
Tax Provision-65,806
Net Income From Continuing Ops91,73191,731
Net Income91,731
Net Income Applicable To Common Shares0
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses524,576
Total Other Income/Expenses Net465,685-145,618
 

Technical Analysis of Qudian
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Qudian. The general trend of Qudian is BULLISH with 100.0% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Qudian's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (100.0%) Bearish trend (-100.0%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Qudian Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Qudian Inc.

The long score for the Support & Resistance is 1/1.
The longshort score for the Support & Resistance is 1/(-1 +1).

  • Around support: The price is currently trading around a support level. This can be considered as a potential entry level. +1

The bullish price targets are: .

The bearish price targets are: 3.34 > 2.84 > 2.836.

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Qudian Inc Daily Support & Resistance Chart
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2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Qudian Inc. The current mas is .

The long score for the Moving Averages is 14/14.
The longshort score for the Moving Averages is 14/(-14 +14).

  • MA 20 trending up: The MA 20 is trending up. +1
  • Close > MA 20: The price is above the MA 20. +1
  • MA 20 > MA 50: The MA 20 is higher than the MA 50. +1
  • MA 20 > MA 100: The MA 20 is higher than the MA 100. +1
  • MA 20 > MA 200: The MA 20 is higher than the MA 200. +1
  • MA 50 trending up: The MA 50 is trending up. +1
  • Close > MA 50: The price is above the MA 50. +1
  • MA 50 > MA 100: The MA 50 is higher than the MA 100. +1
  • MA 50 > MA 200: The MA 50 is higher than the MA 200. +1
  • MA 100 trending up: The MA 100 is trending up. +1
  • Close > MA 100: The price is above the MA 100. +1
  • MA 100 > MA 200: The MA 100 is higher than the MA 200. +1
  • MA 200 trending up: The MA 200 is trending up. +1
  • Close > MA 200: The price is above the MA 200. +1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Qudian Inc Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Qudian Inc. The current macd is 0.11960798.

The long score for the Moving Average Convergence/Divergence (MACD) is 4/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is 4/(-4 +4).

  • MACD line > signal line: The MACD line is above the signal line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Qudian price going up in the near term. +2
  • MACD > 0: The MACD is above the zero line (centerline), it indicates a bullish signal for Qudian. This means that the short-term moving average is higher than the long-term moving average, signaling positive momentum and suggesting a higher likelihood of the Qudian price continuing to rise in the near future. It indicates that buyers are gaining control, and there is optimism in the market, leading to potential price increases. +1
  • Trending up: The MACD line is trending up. This indicates that the short-term moving average is rising faster than the long-term moving average, suggesting positive momentum in the market. This signals that buyers are becoming more active and confident, leading to potential price increases as traders anticipate further gains and are willing to buy at higher prices. +1
Qudian Inc Daily Moving Average Convergence/Divergence (MACD) ChartQudian Inc Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Qudian Inc. The current adx is 28.02.

The long score for the Directional Movement Index (DMI) is 4/7.
The longshort score for the Directional Movement Index (DMI) is 4/(-7 +7).

  • PLUS_ID > MINUS_DI: The +DI line is above the -DI line. This indicates a bullish signal in the market, as the positive directional movement is currently stronger than the negative directional movement, showing that buyers have the upper hand. Market psychology suggests that traders are optimistic, expecting further price increases, and are more willing to buy Qudian shares, leading to potential upward momentum in its price. +1
  • PLUS_ID > MINUS_DI && ADX > 25 && ADX trending up: The ADX is above 25 and indicates a strong bullish trend. The ADX is trending up, so the bullish trend is strengthening.
Qudian Inc Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Qudian Inc. The current sar is 3.04449148.

The long score for the Parabolic SAR is 1/1.
The longshort score for the Parabolic SAR is 1/(-1 +1).

  • Close > SAR: The price is above the SAR. It's generally considered a bullish signal. +1
Qudian Inc Daily Parabolic SAR Chart
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3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Qudian Inc. The current rsi is 68.85. The current phase is Continuation in bull market.

The long score for the Relative Strength Index (RSI) is 3/13.
The longshort score for the Relative Strength Index (RSI) is 2/(-13 +13).

  • Continuation in bull market: Uptrend continues after a consolidation or pullback. Hold or add to existing positions.
  • Trending down: The RSI is trending down. -1
Qudian Inc Daily Relative Strength Index (RSI) ChartQudian Inc Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Qudian Inc. The current phase is Overbought in bull market.

The long score for the Stochastic Oscillator is 5/6.
The longshort score for the Stochastic Oscillator is 4/(-6 +6).

  • STOCH > 50: The STOCH %K is above 50. There are more buyers than sellers. +1
  • STOCH > 80: The STOCH %K is above 80 and overbought. +2
  • STOCH %K line > STOCH %D line: The STOCH %K line is above the STOCH %D line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Qudian price going up in the near term. +2
  • Trending down: The STOCH %K is trending down. -1
Qudian Inc Daily Stochastic Oscillator ChartQudian Inc Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Qudian Inc. The current cci is 146.41.

The long score for the Commodity Channel Index (CCI) is 1/1.
The longshort score for the Commodity Channel Index (CCI) is 1/(-1 +1).

  • CCI > 100: The CCI is above 100, it indicates that the price is significantly above its average, suggesting a potential overbought condition. +1
Qudian Inc Daily Commodity Channel Index (CCI) ChartQudian Inc Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Qudian Inc. The current cmo is 41.85.

The long score for the Chande Momentum Oscillator (CMO) is 1/1.
The longshort score for the Chande Momentum Oscillator (CMO) is 1/(-1 +1).

  • CMO > 0: The CMO is above 0, the momentum of the price is positive, indicating a potential uptrend in the price. +1
Qudian Inc Daily Chande Momentum Oscillator (CMO) ChartQudian Inc Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of Qudian Inc. The current willr is -16.56626506.

The long score for the Williams %R is 1/1.
The longshort score for the Williams %R is 1/(-1 +1).

  • WILLR > -20: The Williams %R is above -20. This indicates that the price is in overbought territory, suggesting a potential price correction or trend reversal to the downside. +1
Qudian Inc Daily Williams %R ChartQudian Inc Daily Williams %R Chart
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4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of Qudian Inc.

Qudian Inc Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Qudian Inc. The current atr is 0.13585604.

Qudian Inc Daily Average True Range (ATR) ChartQudian Inc Daily Average True Range (ATR) Chart
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5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Qudian Inc. The current obv is 24,731,293.

Qudian Inc Daily On-Balance Volume (OBV) ChartQudian Inc Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Qudian Inc. The current mfi is 71.11.

The long score for the Money Flow Index (MFI) is 1/2.
The longshort score for the Money Flow Index (MFI) is 1/(-2 +2).

  • MFI > 50: +1
Qudian Inc Daily Money Flow Index (MFI) ChartQudian Inc Daily Money Flow Index (MFI) Chart
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6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for Qudian Inc.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2025-02-20STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-02-21STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-02-24MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-02-26STOCH SHORT EXITThe %K line crosses above the %D line.
2025-02-27SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-03-03DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2025-03-04STOCH SHORT EXITThe %K line crosses above the %D line.
2025-03-06WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-03-10STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-03-11STOCH SHORT EXITThe %K line crosses above the %D line.
2025-03-12WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-03-17CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-03-18MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2025-03-19DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2025-03-20STOCH LONG EXITThe %K line crosses below the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2025-03-24CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-03-25DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-03-26MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2025-03-27STOCH SHORT EXITThe %K line crosses above the %D line.
2025-03-28STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2025-03-31STOCH SHORT EXITThe %K line crosses above the %D line.
2025-04-01STOCH LONG EXITThe %K line crosses below the %D line.
2025-04-02STOCH SHORT EXITThe %K line crosses above the %D line.
2025-04-03STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2025-04-04BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-04-07STOCH SHORT EXITThe %K line crosses above the %D line.
2025-04-09RSI LONG ENTRY SHORT CLOSE30 crossover to upside
2025-04-14DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-04-15MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2025-04-16DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-04-17STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-04-21STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-04-22STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-04-23DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-04-29CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2025-04-30STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-02STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-05-05CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2025-05-06STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-07STOCH SHORT EXITThe %K line crosses above the %D line.
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2025-05-08STOCH LONG EXITThe %K line crosses below the %D line.
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2025-05-09STOCH SHORT EXITThe %K line crosses above the %D line.
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2025-05-13STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-16STOCH SHORT EXITThe %K line crosses above the %D line.
2025-05-19WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2025-05-20STOCH LONG EXITThe %K line crosses below the %D line.
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2025-05-21MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2025-05-23CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-05-27DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
2025-05-29SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2025-06-02STOCH LONG EXITThe %K line crosses below the %D line.
2025-06-03MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2025-06-04CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-06-05STOCH LONG EXITThe %K line crosses below the %D line.
2025-06-06MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2025-06-10DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2025-06-11DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
2025-06-13DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
2025-06-16DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-06-18SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH SHORT EXITThe %K line crosses above the %D line.
2025-06-20CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-06-24STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
2025-06-26DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2025-06-27DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-06-30MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2025-07-01STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-07-07CCI LONG ENTRY SHORT CLOSE100 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-07-08RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2025-07-09STOCH SHORT EXITThe %K line crosses above the %D line.
2025-07-10WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-07-11RSI SHORT ENTRY LONG CLOSE70 crossover to downside

6.3. Candlestick Patterns

Qudian Inc Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of Qudian Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5068.846
Ma 20Greater thanMa 503.049
Ma 50Greater thanMa 1002.956
Ma 100Greater thanMa 2002.819
OpenGreater thanClose3.430
Total5/5 (100.0%)
Penke
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