Critical Contrast: Senmiao Technology (NASDAQ:AIHS) and CNFinance (NASDAQ:CNF)

Senmiao Technology (NASDAQ:AIHS) and CNFinance (NYSE:CNF) are both small-cap computer and technology companies, but which is the superior investment? We will compare the two businesses based on the strength of their institutional ownership, dividends, earnings, risk, valuation, profitability and analyst recommendations.

Analyst Recommendations

This is a breakdown of current ratings for Senmiao Technology and CNFinance, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Senmiao Technology 0 0 0 0 N/A
CNFinance 0 0 0 0 N/A

Earnings & Valuation

This table compares Senmiao Technology and CNFinance’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Senmiao Technology $2.92 million 2.86 -$4.53 million N/A N/A
CNFinance $622.68 million 0.55 $130.08 million N/A N/A

CNFinance has higher revenue and earnings than Senmiao Technology.

Profitability

This table compares Senmiao Technology and CNFinance’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Senmiao Technology -52.55% -43.07% -29.20%
CNFinance 18.53% 22.19% 4.07%

Insider & Institutional Ownership

2.9% of Senmiao Technology shares are owned by institutional investors. Comparatively, 0.7% of CNFinance 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.

Summary

CNFinance beats Senmiao Technology on 5 of the 8 factors compared between the two stocks.

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.

About CNFinance

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.

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