CNFinance (NYSE:CNF) and Senmiao Technology (NASDAQ:AIHS) are both small-cap finance companies, but which is the better investment? We will contrast the two companies based on the strength of their earnings, profitability, dividends, analyst recommendations, valuation, risk and institutional ownership.
This is a breakdown of current recommendations and price targets for CNFinance and Senmiao Technology, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
Earnings & Valuation
This table compares CNFinance and Senmiao Technology’s top-line revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|CNFinance||$622.68 million||0.55||$130.08 million||N/A||N/A|
|Senmiao Technology||$2.92 million||2.86||-$4.53 million||N/A||N/A|
CNFinance has higher revenue and earnings than Senmiao Technology.
This table compares CNFinance and Senmiao Technology’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
Institutional & Insider Ownership
0.7% of CNFinance shares are owned by institutional investors. Comparatively, 2.9% of Senmiao Technology shares are owned by institutional investors. 3.9% of Senmiao Technology shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.
CNFinance beats Senmiao Technology on 5 of the 8 factors compared between the two stocks.
CNFinance Holdings Limited, through its subsidiaries, provides home equity loan services in the People's Republic of China. It offers micro credit loan services for micro and small-enterprise owners, and loan lending agency services for banks. The company also provides bridge loan products, which are unsecured short-term loans to pay off borrowers' existing loans secured by real property. It operates through a network of 73 branches and sub-branches. The company was founded in 1999 and is headquartered in Guangzhou, the People's Republic of China.
About Senmiao Technology
Senmiao Technology Limited, through its interest in Sichuan Senmiao Ronglian Technology Co., Ltd., operates an online lending platform connecting Chinese investors with individual and small- to-medium-sized enterprise borrowers in China. Its platform offers access to credit to borrowers and creditors, and investment returns for investors. The company was incorporated in 2017 and is based in Chengdu, China.
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