QD vs CNFRL

Comparison between Qudian Inc (QD, Company) and Conifer Holdings Inc (CNFRL, Company).

5-Year PerformanceQD has outperformed CNFRL, delivering a return of +24.7% compared to +7.2%

QD vs CNFRL - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	QD(COMPANY)	CNFRL(COMPANY)
Market Cap	$304M	$303M
Max Drawdown	98.19%	61.46%
Sharpe Ratio	0.86	0.48
5Y Beta	0.89	N/A
Industry	Credit Services	N/A
P/E Ratio	3.66	-75.28
Forward P/E	2.95	N/A
Debt to Equity	13.55%	214.27%
Free Cash Flow Yield	32.34%	-8.93%
P/S Ratio	N/A	2.91
P/B Ratio	N/A	18.00

Market Cap

Winner

$304M

CNFRL

$303M

Max Drawdown

98.19%

Winner

CNFRL

61.46%

Sharpe Ratio

Winner

0.86

CNFRL

0.48

5Y Beta

0.89

CNFRL

N/A

Industry

Credit Services

CNFRL

N/A

P/E Ratio

3.66

Winner

CNFRL

-75.28

Forward P/E

2.95

CNFRL

N/A

Debt to Equity

Winner

13.55%

CNFRL

214.27%

Free Cash Flow Yield

Winner

32.34%

CNFRL

-8.93%

P/S Ratio

N/A

CNFRL

2.91

P/B Ratio

N/A

CNFRL

18.00

QD vs CNFRL - Historical Returns

Returns include dividend reinvestment.

Period	QD	CNFRL
1 month	-18.51%	+4.34%
3 months	-2.05%	+7.68%
6 months	+32.07%	+10.12%
1 year	+51.38%	+13.82%
5 years(CAGR)	+24.69%	+7.15%
10 years(CAGR)	-22.01%	N/A
Max(CAGR)	-22.01%	+7.15%

-18.51%

Winner

CNFRL

+4.34%

-2.05%

Winner

CNFRL

+7.68%

Winner

+32.07%

CNFRL

+10.12%

Winner

+51.38%

CNFRL

+13.82%

5Y(CAGR)

Winner

+24.69%

CNFRL

+7.15%

10Y(CAGR)

-22.01%

CNFRL

N/A

Max(CAGR)

-22.01%

Winner

CNFRL

+7.15%

QD vs CNFRL - Annual Returns (2017 - 2025)

Returns include dividend reinvestment.

Year	QD	CNFRL
2025	+36.79%	N/A
2024	+42.42%	N/A
2023	+117.02%	+13.67%
2022	-3.28%	-0.60%
2021	-29.78%	+14.10%
2020	-72.67%	+2.04%
2019	+6.56%	+10.57%
2018	-65.90%	-16.33%
2017	-57.03%	N/A

QD vs CNFRL Drawdown Comparison

The maximum drawdown for QD was -98.19%, occurring on Mar 14, 2022. This drawdown has not yet recovered.

The maximum drawdown for CNFRL was -57.43%, occurring on Mar 18, 2020. Recovery took 523 trading sessions.

The current QD drawdown is -89.03%. The current CNFRL drawdown is -0.09%.

Rank	QD	CNFRL
#1	-98.19% Oct 19, 2017 - Mar 14, 2022	-57.43% Nov 1, 2018 - Dec 1, 2020
#2	N/A	-13.04% May 6, 2022 - Aug 26, 2022
#3	N/A	-11.70% Jun 15, 2023 - Aug 30, 2023
#4	N/A	-10.64% Dec 8, 2020 - Jan 5, 2021
#5	N/A	-7.82% Dec 30, 2021 - May 6, 2022
#6	N/A	-7.80% Mar 14, 2023 - May 30, 2023
#7	N/A	-6.29% Dec 1, 2020 - Dec 8, 2020
#8	N/A	-5.54% Aug 26, 2022 - Jan 10, 2023
#9	N/A	-4.90% Sep 14, 2021 - Dec 23, 2021
#10	N/A	-4.24% Jan 15, 2021 - Mar 2, 2021
#11	N/A	-3.58% Jun 21, 2021 - Aug 12, 2021
#12	N/A	-3.16% Apr 28, 2021 - Jun 15, 2021
#13	N/A	-2.20% Aug 12, 2021 - Sep 10, 2021
#14	N/A	-1.97% Feb 17, 2023 - Mar 14, 2023
#15	N/A	-1.89% Jan 10, 2023 - Feb 1, 2023

Correlation

Correlation between QD and CNFRL is -0.51 which considered as a moderate negative correlation - the stocks show some tendency to move in opposite directions.

-0.51

-101