Qudian (QD) and Elevate Credit (ELVT) Head to Head Contrast

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

Institutional & Insider Ownership

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7.7% of Qudian shares are held by institutional investors. Comparatively, 42.3% of Elevate Credit shares are held by institutional investors. 32.0% of Elevate Credit shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Analyst Ratings

This is a breakdown of current ratings and target prices for Qudian and Elevate Credit, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Qudian 0 2 5 0 2.71
Elevate Credit 0 3 7 0 2.70

Qudian currently has a consensus target price of $19.67, indicating a potential upside of 86.95%. Elevate Credit has a consensus target price of $10.33, indicating a potential upside of 37.23%. Given Qudian’s stronger consensus rating and higher probable upside, equities research analysts clearly believe Qudian is more favorable than Elevate Credit.

Profitability

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

Net Margins Return on Equity Return on Assets
Qudian N/A N/A N/A
Elevate Credit -1.03% 6.84% 0.87%

Valuation & Earnings

This table compares Qudian and Elevate Credit’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Qudian $733.96 million 4.73 $332.67 million $1.09 9.65
Elevate Credit $673.13 million 0.47 -$6.91 million $0.16 47.06

Qudian has higher revenue and earnings than Elevate Credit. Qudian is trading at a lower price-to-earnings ratio than Elevate Credit, indicating that it is currently the more affordable of the two stocks.

Summary

Qudian beats Elevate Credit on 7 of the 13 factors compared between the two stocks.

Qudian Company Profile

Qudian Inc. provides cash credit products, which provide funds in digital form, and merchandise credit products. The Company operates through an online platform and all the transaction are facilitated through mobile devices. Borrowers can apply for credit on their mobile phones and receive approval within a few seconds. Approved borrowers are then able to draw down on their cash credit with cash disbursed immediately into their Alipay accounts in digital form. It also offers merchandise credit products to finance borrowers’ direct purchase of merchandise offered on its marketplace on installment basis. Its marketplace connects consumers with merchandise suppliers. It offers 14 categories of merchandise from over 1,000 brands covering primarily consumer electronics, home appliances, watches and accessories, sports and outdoor merchandise and luggage.

Elevate Credit Company Profile

Elevate Credit, Inc. provides online credit solutions to non-prime consumers in the United States and the United Kingdom. The company offers unsecured online installment loans and lines of credit. Its products include Rise installment loan and line of credit products; Elastic, a line of credit product; and Sunny installment loan products. Elevate Credit, Inc. was incorporated in 2014 and is headquartered in Fort Worth, Texas.

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