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Qudian
Qudian (QD) investor relations material
Qudian Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary24 Nov, 2025
Executive summary
Revenues declined sharply year-over-year due to the winding down of the last-mile delivery business, but net income surged, driven by strong investment and derivative gains.
The company is transitioning its business model, focusing on new opportunities and maintaining a healthy balance sheet.
Financial highlights
Total revenues fell 84.5% to RMB8.5 million (US$1.2 million) compared to the same quarter last year.
Net income attributable to shareholders rose to RMB409.9 million (US$57.6 million), up from RMB131.9 million year-over-year.
Loss from operations increased to RMB110.6 million (US$15.5 million) from RMB67.0 million year-over-year.
Interest and investment income, net, increased 84.5% to RMB421.3 million (US$59.2 million).
Gain on derivative instruments rose 144.4% to RMB73.9 million (US$10.4 million).
Outlook and guidance
Management remains focused on navigating market dynamics and capitalizing on new business opportunities to build long-term shareholder value.
How sustainable is current investment income?
Progress on new business initiatives
Future capital allocation for cash reserves
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Next Qudian earnings date
Q4 202519 Mar, 2026
Qudian
Next Qudian earnings date
Q4 202519 Mar, 2026
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Frequently asked questions
Qudian Inc. is a Chinese technology company that operates in the consumer finance sector. The company primarily provides small credit products and financial solutions to consumers in China, leveraging data-driven technology and mobile platforms. Qudian's offerings include cash credit products that enable users to access funds quickly, and merchandise credit products, which allow customers to purchase items on installment plans. The company targets young, emerging consumers who may have limited access to traditional financial services. The company is headquartered in Xiamen, China, and its shares are listed on the NYSE.
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