Financial Review: Qudian (QD) versus BLUCORA INC Common Stock (BCOR)

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Qudian (NYSE: QD) and BLUCORA INC Common Stock (NASDAQ:BCOR) are both finance companies, but which is the superior business? We will contrast the two companies based on the strength of their dividends, valuation, analyst recommendations, risk, profitability, institutional ownership and earnings.

Insider & Institutional Ownership

5.6% of Qudian shares are held by institutional investors. Comparatively, 94.2% of BLUCORA INC Common Stock shares are held by institutional investors. 2.9% of BLUCORA INC Common Stock shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Analyst Ratings

This is a summary of recent recommendations and price targets for Qudian and BLUCORA INC Common Stock, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Qudian 0 2 5 0 2.71
BLUCORA INC Common Stock 0 2 4 0 2.67

Qudian currently has a consensus price target of $17.33, indicating a potential upside of 147.27%. BLUCORA INC Common Stock has a consensus price target of $37.45, indicating a potential upside of 7.91%. Given Qudian’s stronger consensus rating and higher possible upside, analysts clearly believe Qudian is more favorable than BLUCORA INC Common Stock.

Profitability

This table compares Qudian and BLUCORA INC Common Stock’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
BLUCORA INC Common Stock 13.31% 14.82% 8.47%

Valuation & Earnings

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

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Qudian $733.96 million 3.15 $332.67 million $1.09 6.43
BLUCORA INC Common Stock $509.56 million 3.24 $27.03 million $1.22 28.44

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

Summary

BLUCORA INC Common Stock beats Qudian on 7 of the 12 factors compared between the two stocks.

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 cash credit products, such as cash short-term unsecured lines of credit, which are distributed in digital form; and merchandise credit products to finance borrowers' direct purchase of merchandise offered on its marketplace on installment basis, as well as budget auto financing products. Qudian Inc. was founded in 2014 and is headquartered in Beijing, the People's Republic of China.

BLUCORA INC Common Stock Company Profile

Blucora, Inc. provides technology-enabled financial solutions to consumers, small business owners, and tax professionals in the United States. The company operates through two segments, Wealth Management and Tax Preparation. The Wealth Management segment offers an integrated platform of brokerage, investment advisory, and insurance services to financial advisors. The Tax Preparation segment provides digital do-it-yourself tax preparation solutions for consumers and small business owners through TaxAct.com; and ancillary services, including refund payment transfer, audit defense, stored value cards, retirement investment accounts, tax preparation support services, data archive services, and e-filing services. This segment also offers professional tax preparer software. The company was formerly known as InfoSpace, Inc. and changed its name to Blucora, Inc. in June 2012. Blucora, Inc. was founded in 1996 and is headquartered in Irving, Texas.

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