Qudian Inc - Asset Resilience Ratio

Latest as of September 2025: 70.36%

Qudian Inc (QD) has an Asset Resilience Ratio of 70.36% as of September 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Check Qudian Inc strategic asset allocation index to assess the company's strategic physical and investment asset allocation.

Liquid Assets

$9.82 Billion

Cash + Short-term Investments

Total Assets

$13.95 Billion

All company assets

Resilience Assessment

Very High

Financial Resilience Level

Asset Resilience Ratio Trend (2014–2024)

This chart shows how Qudian Inc's Asset Resilience Ratio has changed over time. See Qudian Inc (QD) balance sheet quality index to measure how much of total assets are equity-financed.

Liquid Assets Composition Over Time

This chart breaks down Qudian Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see Qudian Inc (QD) total market value.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	$7.01 Billion	50.25%
Short-term Investments	$2.81 Billion	20.11%
Total Liquid Assets	$9.82 Billion	70.36%

Asset Resilience Insights

Very High Liquidity: Qudian Inc maintains exceptional liquid asset reserves at 70.36% of total assets.
This level provides strong protection against economic uncertainties but may indicate potential for more aggressive growth investments.
The company primarily holds liquidity in cash and equivalents rather than short-term investments.

Qudian Inc Industry Peers by Asset Resilience Ratio

Compare Qudian Inc's asset resilience ratio with other companies in the same industry.

Company	Industry	Asset Resilience Ratio
Bajaj Finance Limited NSE:BAJFINANCE	Credit Services	2.35%
Manappuram Finance Limited NSE:MANAPPURAM	Credit Services	4.86%
Capri Global Capital Limited NSE:CGCL	Credit Services	0.13%
Hotai Finance Corp TW:6592	Credit Services	1.50%
Beijing Cuiwei Tower Co Ltd SHG:603123	Credit Services	1.79%
Mufin Green Finance Ltd NSE:MUFIN	Credit Services	3.44%
Vakif Finansal Kiralama AS IS:VAKFN	Credit Services	0.62%
Moneyme Ltd AU:MME	Credit Services	1.75%

Annual Asset Resilience Ratio for Qudian Inc (2014–2024)

The table below shows the annual Asset Resilience Ratio data for Qudian Inc.

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2024-12-31	59.30%	$7.39 Billion	$12.46 Billion	-16.05pp
2023-12-31	75.34%	$9.40 Billion	$12.48 Billion	+5.67pp
2022-12-31	69.67%	$8.88 Billion	$12.75 Billion	+12.95pp
2021-12-31	56.72%	$7.99 Billion	$14.09 Billion	+7.61pp
2020-12-31	49.11%	$6.58 Billion	$13.40 Billion	+32.27pp
2019-12-31	16.84%	$3.09 Billion	$18.36 Billion	+1.45pp
2018-12-31	15.39%	$2.50 Billion	$16.25 Billion	-21.41pp
2017-12-31	36.80%	$7.13 Billion	$19.38 Billion	+19.72pp
2016-12-31	17.08%	$1.22 Billion	$7.12 Billion	+15.25pp
2015-12-31	1.83%	$49.00 Million	$2.68 Billion	--
2014-12-31	0.00%	$0.00	$543.89 Million	--

pp = percentage points

About Qudian Inc

NYSE:QD USA Credit Services

Market Cap

$281.53 Million

Market Cap Rank

#15239 Global

#3550 in USA

Share Price

$2.77

Change (1 day)

-1.42%

52-Week Range

$2.73 - $5.02

All Time High

$34.90