Curo Group (NYSE:CURO) and Senmiao Technology (NASDAQ:AIHS) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their risk, earnings, profitability, institutional ownership, dividends, analyst recommendations and valuation.
Insider & Institutional Ownership
48.0% of Curo Group shares are owned by institutional investors. Comparatively, 0.1% of Senmiao Technology shares are owned by institutional investors. 44.5% of Curo Group shares are owned by insiders. Comparatively, 45.2% of Senmiao Technology shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.
This table compares Curo Group and Senmiao Technology’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
This is a summary of recent recommendations for Curo Group and Senmiao Technology, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
Curo Group currently has a consensus price target of $29.00, suggesting a potential upside of 183.48%. Given Curo Group’s higher probable upside, analysts plainly believe Curo Group is more favorable than Senmiao Technology.
Risk and Volatility
Curo Group has a beta of 3.84, indicating that its stock price is 284% more volatile than the S&P 500. Comparatively, Senmiao Technology has a beta of 0.8, indicating that its stock price is 20% less volatile than the S&P 500.
Earnings & Valuation
This table compares Curo Group 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|
|Curo Group||$1,094.31 billion||0.00||-$22.05 million||$1.73||5.91|
|Senmiao Technology||$500,000.00||140.59||-$9.85 million||N/A||N/A|
Senmiao Technology has lower revenue, but higher earnings than Curo Group.
Curo Group beats Senmiao Technology on 8 of the 11 factors compared between the two stocks.
About Curo Group
CURO Group Holdings Corp., a diversified consumer finance company, provides consumer finance to a range of underbanked consumers in the United States, Canada, and the United Kingdom. It offers unsecured installment loans, secured installment loans, open-end loans, and single-pay loans, as well as ancillary financial products, including check cashing, proprietary reloadable prepaid debit cards, credit protection insurance, gold buying, retail installment sales, and money transfer services. The company operates under the Speedy Cash, Rapid Cash, Cash Money, Avío Credit, and Opt+ brands; and online as Wage Day Advance and Juo Loans, as well as offers installment loans online under the LendDirect brand. The company was formerly known as Speedy Group Holdings Corp. and changed its name to CURO Group Holdings Corp. in May 2016. CURO Group Holdings Corp. was founded in 1997 and is headquartered in Wichita, Kansas.
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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