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. Read how much debt does Qudian Inc carry for a breakdown of total debt and financial obligations.

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 shareholders equity of Qudian Inc for net asset value and shareholders' equity analysis.

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
Green Dot Corporation NYSE:GDOT	Credit Services	0.00%
SLM Corp NASDAQ:SLM	Credit Services	0.17%
Plenti Group Ltd AU:PLT	Credit Services	0.02%
Eason Technology Limited NYSE MKT:DXF	Credit Services	0.11%
CREDITACCESS GRAMEEN LIMITED NSE:CREDITACC	Credit Services	3.39%
SR Accord TA:SRAC	Credit Services	0.09%
Kruk SA WAR:KRU	Credit Services	24.59%
ASA International Group PLC LSE:ASAI	Credit Services	425.59%

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

#15220 Global

#3436 in USA

Share Price

$2.77

Change (1 day)

-1.42%

52-Week Range

$2.73 - $5.02

All Time High

$34.90