Financial Analysis: Qudian (QD) & Telenav (TNAV)

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

Analyst Ratings

This is a breakdown of recent ratings and recommmendations for Telenav and Qudian, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Telenav 0 0 3 0 3.00
Qudian 0 0 6 0 3.00

Telenav presently has a consensus target price of $12.00, indicating a potential upside of 133.01%. Qudian has a consensus target price of $24.33, indicating a potential upside of 95.45%. Given Telenav’s higher possible upside, analysts clearly believe Telenav is more favorable than Qudian.

Valuation & Earnings

This table compares Telenav 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
Telenav $169.58 million 1.35 -$47.26 million ($1.24) -4.15
Qudian N/A N/A N/A $0.88 14.15

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

Profitability

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

Net Margins Return on Equity Return on Assets
Telenav -32.94% -41.16% -19.25%
Qudian N/A N/A N/A

Insider and Institutional Ownership

53.8% of Telenav shares are held by institutional investors. 24.7% of Telenav shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Summary

Qudian beats Telenav on 5 of the 9 factors compared between the two stocks.

Telenav Company Profile

TeleNav, Inc. (Telenav) is a provider of location-based platform services. The Company’s services consist of its automotive and mobile navigation platform and its advertising delivery platform. The Company operates through three segments: automotive, advertising and mobile navigation. The automotive segment provides its map and navigation platform to auto manufacturers and original equipment manufacturers (OEMs) for distribution with their vehicles. The advertising segment provides interactive mobile advertisements on behalf of its advertising clients to consumers based on the location of the user and other targeting capabilities. The mobile navigation segment provides its map and navigation platform to end users through mobile devices. The Company’s auto and mobile navigation platform allows it to deliver location-based services to auto manufacturers, developers and end users through various distribution channels, including wireless carriers.

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.

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