Contrasting Senmiao Technology (AIHS) & Consumer Portfolio Services (CPSS)

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

Profitability

This table compares Senmiao Technology and Consumer Portfolio Services’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Senmiao Technology N/A N/A N/A
Consumer Portfolio Services -0.11% 7.81% 0.60%

Institutional and Insider Ownership

0.4% of Senmiao Technology shares are held by institutional investors. Comparatively, 41.6% of Consumer Portfolio Services shares are held by institutional investors. 45.2% of Senmiao Technology shares are held by insiders. Comparatively, 46.2% of Consumer Portfolio Services shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Analyst Recommendations

This is a summary of recent recommendations and price targets for Senmiao Technology and Consumer Portfolio Services, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Senmiao Technology 0 0 0 0 N/A
Consumer Portfolio Services 0 0 2 0 3.00

Consumer Portfolio Services has a consensus price target of $5.50, suggesting a potential upside of 38.19%. Given Consumer Portfolio Services’ higher probable upside, analysts clearly believe Consumer Portfolio Services is more favorable than Senmiao Technology.

Valuation and Earnings

This table compares Senmiao Technology and Consumer Portfolio Services’ revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Senmiao Technology $500,000.00 214.80 -$9.85 million N/A N/A
Consumer Portfolio Services $434.38 million 0.21 $3.76 million $0.80 4.98

Consumer Portfolio Services has higher revenue and earnings than Senmiao Technology.

Summary

Consumer Portfolio Services beats Senmiao Technology on 8 of the 10 factors compared between the two stocks.

Senmiao Technology Company Profile

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.

Consumer Portfolio Services Company Profile

Consumer Portfolio Services, Inc. operates as a specialty finance company in the United States. It purchases and services retail automobile contracts originated by franchised automobile dealers and select independent dealers in the sale of new and used automobiles, light trucks, and passenger vans. The company, through its automobile contract purchases, offers indirect financing to the customers of dealers with limited credit histories, low incomes, or past credit problems. It serves as an alternative source of financing for dealers, facilitating sales to customers who might not be able to obtain financing from commercial banks, credit unions, and the captive finance companies. The company also acquires installment purchase contracts in four merger and acquisition transactions; and offers financing directly to sub-prime consumers to facilitate their purchase of a new or used automobile, light truck, or passenger van. Consumer Portfolio Services, Inc. services its automobile contracts through its branches in California, Nevada, Virginia, Florida, and Illinois. The company was founded in 1991 and is headquartered in Irvine, California.

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