The delivery business created uncertainty for QD, but its winding down removes a weight that can send the stock higher. The stock has pulled back after hitting a 52-weeks high, but the charts suggest to be optimistic about higher stock prices in the future. The balance sheet suggests not only that QD deserves a higher valuation, but it is arguably even undervalued at current prices.
The stock has wavered in recent days after a big rally upwards and the charts suggest there is a reason for all of this. The stock can still go higher for a couple of reasons, which includes an uptrend and the strength of the balance sheet. QD is contemplating shutting down the last-mile delivery business, but this is a good and not a bad thing.
Qudian remains significantly undervalued, trading at over a 60% discount to its liquidation value, presenting a strong margin of safety for investors. The company is aggressively repurchasing shares, having bought back over $40 million worth since June 2024, enhancing shareholder value. Despite economic uncertainties and currency risks, Qudian's diversified currency holdings offer some hedge.
| Financial Services Industry | Financials Sector | Min Luo CEO | NYSE Exchange | 747798106 CUSIP |
| CN Country | 262 Employees | - Last Dividend | - Last Split | 18 Oct 2017 IPO Date |
Qudian Inc. is a consumer-oriented technology company based in the People’s Republic of China, specifically headquartered in Xiamen. Since its establishment in 2014, Qudian Inc. has focused on leveraging technology to provide innovative financial services to consumers. This company is known for operating various online platforms that offer small consumer credit products, catering to the needs of individuals seeking quick and convenient financial assistance. In addition to its credit services, Qudian Inc. also emphasizes on technology development, services, and conducts research and development to further innovate and improve its offerings within the financial tech industry.
At the core of Qudian Inc.'s offerings are their small consumer credit products. These are typically short-term loans or credit facilities that are provided to consumers online. Designed to be accessible and convenient, these products aim to meet the immediate financial needs of customers, such as emergency expenses or small purchases, with a streamlined application and approval process that takes place entirely over the company's online platforms.
Beyond financial products, Qudian Inc. is deeply involved in technology development. This facet of the company focuses on creating new technologies and improving existing ones to enhance the overall functionality and efficiency of their online platforms. These developments often revolve around ensuring secure, fast, and user-friendly operations for both loan origination and processing, highlighting Qudian Inc.'s commitment to leveraging technology in the financial sector.
To keep at the forefront of the fintech industry, Qudian Inc. invests significantly in research and development (R&D). This ongoing R&D effort allows the company to innovate and stay ahead of market trends, ensuring that their products and services remain competitive and relevant. These initiatives are often geared towards exploring new financial products, improving risk management tools, and enhancing user experiences, reflecting the company's dedication to growth and improvement through innovation.