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

Institutional & Insider Ownership

0.1% of Senmiao Technology shares are owned by institutional investors. Comparatively, 0.8% of Weidai shares are owned by institutional investors. 45.2% of Senmiao Technology shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Analyst Ratings

This is a summary of recent recommendations and price targets for Senmiao Technology and Weidai, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Senmiao Technology N/A
Weidai 2 3.00

Weidai has a consensus price target of $13.00, indicating a potential upside of 88.41%. Given Weidai’s higher possible upside, analysts plainly believe Weidai is more favorable than Senmiao Technology.

Profitability

This table compares Senmiao Technology and Weidai’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%
Weidai N/A N/A N/A

Earnings & Valuation

This table compares Senmiao Technology and Weidai’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Senmiao Technology $2.92 million 8.51 -$4.53 million N/A N/A
Weidai $569.19 million 0.85 $87.50 million $1.59 4.34

Weidai has higher revenue and earnings than Senmiao Technology.

Summary

Weidai beats Senmiao Technology on 8 of the 10 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 Weidai

Weidai Ltd., through its subsidiaries, provides auto-backed financing solutions in the People’s Republic of China. Its auto-backed financing platform connects borrowers primarily mall and micro enterprise owners with online investors and institutional funding partners. The company was founded in 2011 and is headquartered in Hangzhou, the People’s Republic of China.

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