---
title: "Weidai (WEIDY.US)"
type: "quote"
locale: "en"
url: "https://longbridge.com/en/quote/WEIDY.US.md"
symbol: "WEIDY.US"
name: "Weidai"
industry: "消费金融"
---

# Weidai (WEIDY.US)

| Item | Detail |
|------|--------|
| Industry | 消费金融 |

## Company Profile

伟代有限公司是一家提供汽车担保融资解决方案的公司。它将二手汽车这一无标准抵押品转化为可投资资产，为小微企业提供可获得的信贷，并通过其平台将借款人与机构融资伙伴联系起来。该公司由洪尧于 2010 年 2 月创立，总部位于中国杭州。

## Financial Score

> *Longbridge Financial Score™ — Proprietary multi-factor rating model by [Longbridge](https://longbridge.com). This score is independently calculated by Longbridge and is not affiliated with any third-party rating agency.*
> Updated: 2026-02-17T04:30:11.000Z

**Overall: D (0.80)**

**Industry**: Consumer Finance

| Metric | Value |
|--------|-------|
| Industry Ranking | 50 / 52 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Value - Stocks where the company's main business is in a mature stage.
- **Scale**: Small - The company's operation has a high degree of growth and volatility, making it easy to achieve high investment returns.

### Score Analysis

**Style Score**: 

#### Growth Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | -49.19% |  |
| Net Profit YoY | -69.80% |  |

#### Value Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| P/B Ratio | 0.00 |  |
| Dividend Ratio | 0.00% |  |


**Size Score**: 

#### Market Cap Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 0.00 |  |

#### Revenue Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue | 108.54M |  |


**Multi Score**: D

#### Profit Score: E

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | -114.08% | E |
| Profit Margin | -162.51% | E |
| Gross Margin | -15.01% | E |

#### Growth Score: E

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | -49.19% | E |
| Net Profit YoY | -69.80% | E |
| Total Assets YoY | -53.96% | E |
| Net Assets YoY | -71.65% | E |

#### Cash Score: E

| Indicator | Value | Rating |
|-----------|-------|--------|
| Cash Flow Margin | -61.53% | D |
| OCF YoY | -49.19% | E |

#### Operating Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| Turnover | 0.36 | C |

#### Debt Score: D

| Indicator | Value | Rating |
|-----------|-------|--------|
| Gearing Ratio | 63.71% | D |


```chart-data:radar
{
  "title": "Longbridge Financial Score - Weidai",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Profit",
      "grade": "E",
      "indicators": [
        {
          "name": "ROE",
          "value": "-114.08%",
          "rating": "E"
        },
        {
          "name": "Profit Margin",
          "value": "-162.51%",
          "rating": "E"
        },
        {
          "name": "Gross Margin",
          "value": "-15.01%",
          "rating": "E"
        }
      ]
    },
    {
      "name": "Growth",
      "grade": "E",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "-49.19%",
          "rating": "E"
        },
        {
          "name": "Net Profit YoY",
          "value": "-69.80%",
          "rating": "E"
        },
        {
          "name": "Total Assets YoY",
          "value": "-53.96%",
          "rating": "E"
        },
        {
          "name": "Net Assets YoY",
          "value": "-71.65%",
          "rating": "E"
        }
      ]
    },
    {
      "name": "Cash",
      "grade": "E",
      "indicators": [
        {
          "name": "Cash Flow Margin",
          "value": "-61.53%",
          "rating": "D"
        },
        {
          "name": "OCF YoY",
          "value": "-49.19%",
          "rating": "E"
        }
      ]
    },
    {
      "name": "Operating",
      "grade": "C",
      "indicators": [
        {
          "name": "Turnover",
          "value": "0.36",
          "rating": "C"
        }
      ]
    },
    {
      "name": "Security",
      "grade": "D",
      "indicators": [
        {
          "name": "Gearing Ratio",
          "value": "63.71%",
          "rating": "D"
        }
      ]
    }
  ]
}
```

### Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
|------|------|--------|--------|-----------|----------|------|--------|
| 01 | Dave (US.DAVE) | A | A | A | B | B | A |
| 02 | NerdWallet (US.NRDS) | A | A | A | A | B | A |
| 03 | Kaspi.KZ JSC (US.KSPI) | A | A | C | E | B | B |
| 04 | 第一富金融服务 (US.FCFS) | B | B | B | D | B | B |
| 05 | Upstart (US.UPST) | B | A | C | D | A | B |

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| Dividend Yield | 0.00% | - | - | - | - |

## References

- [Company Overview](https://longbridge.com/en/quote/WEIDY.US/overview.md) - Shareholders, executives, business segments
- [Financials](https://longbridge.com/en/quote/WEIDY.US/norm.md) - Income statement, balance sheet, cash flow, distribution plan
- [Topics & Discussions](https://longbridge.com/en/quote/WEIDY.US/topics.md) - Community topics and discussions

---

> **Disclaimer**: This article is for reference only and does not constitute any investment advice.