Head-To-Head Contrast: CNFinance (NYSE:CNF) & Qudian (NYSE:QD)

CNFinance (NYSE:CNF) and Qudian (NYSE:QD) are both finance companies, but which is the superior investment? We will compare the two companies based on the strength of their risk, institutional ownership, valuation, earnings, analyst recommendations, dividends and profitability.

Valuation and Earnings

This table compares CNFinance and Qudian’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
CNFinance $622.68 million 0.65 $130.08 million N/A N/A
Qudian $1.12 billion 2.22 $362.35 million $1.13 6.65

Qudian has higher revenue and earnings than CNFinance.

Profitability

This table compares CNFinance and Qudian’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
CNFinance N/A N/A N/A
Qudian 38.69% 28.87% 18.13%

Insider & Institutional Ownership

0.7% of CNFinance shares are held by institutional investors. Comparatively, 11.8% of Qudian shares are held by institutional investors. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Analyst Ratings

This is a breakdown of recent ratings and target prices for CNFinance and Qudian, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
CNFinance 0 0 0 0 N/A
Qudian 0 5 1 0 2.17

Qudian has a consensus target price of $14.50, suggesting a potential upside of 93.08%. Given Qudian’s higher probable upside, analysts plainly believe Qudian is more favorable than CNFinance.

Summary

Qudian beats CNFinance on 9 of the 9 factors compared between the two stocks.

CNFinance Company Profile

CNFinance Holdings Limited, through its subsidiaries, provides home equity loan services in the People's Republic of China. It offers micro credit loan services for micro and small-enterprise owners, and loan lending agency services for banks. The company also provides bridge loan products, which are unsecured short-term loans to pay off borrowers' existing loans secured by real property. It operates through a network of 73 branches and sub-branches. The company was founded in 1999 and is headquartered in Guangzhou, the People's Republic of China.

Qudian Company Profile

Qudian Inc. provides online small consumer credit products in the People's Republic of China. It uses big data-enabled technologies, including artificial intelligence and machine learning to transform the consumer finance experience. The company offers small credit products, such as cash credit products; merchandise credit products to finance borrowers' direct purchase of merchandise offered on its marketplace on installment basis; and budget auto financing products. In addition, it operates a platform for loan recommendations and referrals. Qudian Inc. was founded in 2014 and is headquartered in Beijing, the People's Republic of China.

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