Senmiao Technology (NASDAQ:AIHS – Get Free Report) and Uxin (NASDAQ:UXIN – Get Free Report) are both small-cap computer and technology companies, but which is the superior business? We will contrast the two businesses based on the strength of their institutional ownership, analyst recommendations, earnings, valuation, profitability, risk and dividends.
Volatility and Risk
Senmiao Technology has a beta of 0.97, indicating that its share price is 3% less volatile than the S&P 500. Comparatively, Uxin has a beta of 1.47, indicating that its share price is 47% more volatile than the S&P 500.
Analyst Ratings
This is a breakdown of current ratings and price targets for Senmiao Technology and Uxin, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Senmiao Technology | 1 | 0 | 0 | 0 | 1.00 |
| Uxin | 1 | 0 | 1 | 0 | 2.00 |
Profitability
This table compares Senmiao Technology and Uxin’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Senmiao Technology | -88.60% | -454.33% | -55.52% |
| Uxin | -10.66% | N/A | -8.15% |
Insider and Institutional Ownership
0.4% of Senmiao Technology shares are held by institutional investors. Comparatively, 22.4% of Uxin shares are held by institutional investors. 1.3% of Senmiao Technology shares are held by company insiders. Comparatively, 62.9% of Uxin shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.
Earnings & Valuation
This table compares Senmiao Technology and Uxin”s top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Senmiao Technology | $3.39 million | 1.02 | -$3.72 million | ($1.08) | -1.00 |
| Uxin | $190.40 million | 3.57 | -$11.18 million | ($0.20) | -18.10 |
Senmiao Technology has higher earnings, but lower revenue than Uxin. Uxin is trading at a lower price-to-earnings ratio than Senmiao Technology, indicating that it is currently the more affordable of the two stocks.
Summary
Uxin beats Senmiao Technology on 12 of the 14 factors compared between the two stocks.
About Senmiao Technology
Senmiao Technology Limited engages in the automobile transaction and related services business in the People's Republic of China. It operates through two segments, Automobile Transaction and Related Services, and Online Ride-Hailing Platform Services. The company offers car rental services to individual customers; and auto finance solutions through financing leases. It also engages in automobile sales comprising sale of new purchased or used cars; and the provision of supporting services, as well as auto management and guarantee services provided to online ride-hailing drivers. In addition, the company provides new energy vehicles leasing, automobile purchase, and management services, such as ride-hailing driver training, assisting with a series of administrative procedures, and other consulting services, as well as credit assessment, preparation of financing application materials, assistance with closing of financing transactions, license and plate registration, payment of taxes and fees, purchase of insurance, installation of GPS devices, ride-hailing driver qualification, and other administrative procedures. Further, it operates Xixingtianxia, an online ride-hailing platform that enables qualified ride-hailing drivers to provide transportation services mainly in Chengdu, Changsha, Guangzhou, and other 23 cities in China. The company was founded in 2014 and is based in Chengdu, the People's Republic of China.
About Uxin
Uxin Limited, an investment holding company, engages in the retail sale of vehicles in China. The company operates an e-commerce platform for buying and selling used cars. It also offers used-car acquisition, inspection, reconditioning, warehousing, pre-sales and after-sales, and various car-related value-added products and services, as well as warranty and repair, delivery, and title transfers and vehicle registration services. Uxin Limited was incorporated in 2011 and is headquartered in Beijing, China.
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