Analyzing U-Haul (NASDAQ:UHAL) & Senmiao Technology (NASDAQ:AIHS)

Valuation & Earnings

This table compares U-Haul and Senmiao Technology”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
U-Haul	$5.64 billion	2.46	$628.71 million	$2.32	30.55
Senmiao Technology	$6.07 million	1.56	-$3.67 million	($0.37)	-2.43

U-Haul has higher revenue and earnings than Senmiao Technology. Senmiao Technology is trading at a lower price-to-earnings ratio than U-Haul, indicating that it is currently the more affordable of the two stocks.

Risk and Volatility

U-Haul has a beta of 1.09, indicating that its share price is 9% more volatile than the S&P 500. Comparatively, Senmiao Technology has a beta of 0.78, indicating that its share price is 22% less volatile than the S&P 500.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
U-Haul	8.39%	6.46%	2.48%
Senmiao Technology	-77.71%	-87.11%	-35.31%

Insider and Institutional Ownership

3.6% of U-Haul shares are held by institutional investors. Comparatively, 0.4% of Senmiao Technology shares are held by institutional investors. 50.1% of U-Haul shares are held by insiders. Comparatively, 2.3% of Senmiao Technology shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Summary

U-Haul beats Senmiao Technology on 11 of the 11 factors compared between the two stocks.

About U-Haul

U-Haul Holding Co. engages in the insurance and moving and storage businesses. It operates through the following business segments: Moving and Storage, Property and Casualty Insurance, and Life Insurance. The Moving and Storage segment includes the rental of trucks, trailers, portable moving and storage units, specialty rental items, and self-storage spaces. The Property and Casualty Insurance segment is involved in providing loss adjusting and claims handling for U-Haul through regional offices. The Life Insurance segment offers life and health insurance products primarily to the senior market through the direct writing and reinsuring of life insurance, Medicare supplement, and annuity policies. The company was founded by Anna Mary Carty Shoen and Leonard Samuel Shoen in 1945 and is headquartered in Reno, NV.

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.