Elevate Credit (NYSE:ELVT) 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, valuation, profitability, institutional ownership, analyst recommendations, dividends and risk.
Insider & Institutional Ownership
48.4% of Elevate Credit shares are owned by institutional investors. Comparatively, 0.2% of Senmiao Technology shares are owned by institutional investors. 32.0% of Elevate Credit shares are owned by insiders. Comparatively, 45.2% of Senmiao Technology shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.
This is a summary of current ratings for Elevate Credit and Senmiao Technology, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
Elevate Credit currently has a consensus target price of $7.17, indicating a potential upside of 73.93%. Given Elevate Credit’s higher possible upside, equities research analysts plainly believe Elevate Credit is more favorable than Senmiao Technology.
This table compares Elevate Credit and Senmiao Technology’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
Earnings and Valuation
This table compares Elevate Credit 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|
|Elevate Credit||$786.68 million||0.23||$12.51 million||$0.39||10.56|
|Senmiao Technology||$500,000.00||318.31||-$9.85 million||N/A||N/A|
Elevate Credit has higher revenue and earnings than Senmiao Technology.
Elevate Credit beats Senmiao Technology on 8 of the 10 factors compared between the two stocks.
About Elevate Credit
Elevate Credit, Inc. provides online credit solutions to non-prime consumers in the United States and the United Kingdom. The company offers unsecured online installment loans and lines of credit. Its products include Rise installment loan and line of credit products; Elastic, a line of credit product; and Sunny installment loan products. Elevate Credit, Inc. was incorporated in 2014 and is headquartered in Fort Worth, Texas.
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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