9F (NASDAQ:JFU – Get Rating) and Qudian (NYSE:QD – Get Rating) are both small-cap finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their analyst recommendations, valuation, earnings, profitability, dividends, risk and institutional ownership.
Risk & Volatility
9F has a beta of -0.31, indicating that its share price is 131% less volatile than the S&P 500. Comparatively, Qudian has a beta of 0.77, indicating that its share price is 23% less volatile than the S&P 500.
This table compares 9F and Qudian’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
Institutional and Insider Ownership
0.2% of 9F shares are owned by institutional investors. Comparatively, 15.0% of Qudian shares are owned by institutional investors. 53.9% of 9F shares are owned by insiders. Comparatively, 25.7% of Qudian shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.
Earnings and Valuation
This table compares 9F and Qudian’s revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|9F||$119.49 million||0.57||-$36.86 million||N/A||N/A|
|Qudian||$259.55 million||0.92||$92.44 million||($0.23)||-4.09|
Qudian has higher revenue and earnings than 9F.
Qudian beats 9F on 5 of the 9 factors compared between the two stocks.
9F Inc., together with its subsidiaries, operates internet securities service platform in the People's Republic of China. Its products include digital financial accounts that offer online lending, wealth management, and payment facilitation services; revolving and non-revolving loan products to borrowers, as well as traffic referral services to o financial institution partners; and a suite of online wealth management products, such as fixed income products, stocks, insurance, bank wealth management products, and mutual funds to investors in various platforms, including Wukong Licai, 9F Wallet, and 9F Puhui. The company also provides payment facilitation and other products and services that help users to pay credit card bills and household bills comprising utility bills; and other value-added services consisting of credit history search, debt consolidation, and user referral services. In addition, it offers technology empowerment services to banking, automobile, securities investment, and insurance industries; and engages in E-commerce business, which offers various categories of merchandise, including 3C products, beauty and skin care products, rice, noodle and oils, household appliances, jewelry, and liquor and beverages. It provides its services to borrowers, investors, and financial institutions partners. The company was formerly known as JIUFU Financial Technology Service Limited and changed its name to 9F Inc. in June 2014. 9F Inc. was founded in 2006 and is headquartered in Beijing, the People's Republic of China.
Qudian Inc. operates as a consumer-oriented technology company in the People's Republic of China. The company provides small cash credit products to consumers; and financial leasing and financing guarantee services, as well as technology development and services. It also offers ready-to-cook meal products for working-class consumers. The company was founded in 2014 and is headquartered in Xiamen, the People's Republic of China.
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