On Deck Capital (NYSE:ONDK) 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 institutional ownership, dividends, profitability, analyst recommendations, valuation, earnings and risk.
Valuation & Earnings
This table compares On Deck Capital 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|
|On Deck Capital||$398.38 million||0.79||$27.68 million||$0.43||9.67|
|Senmiao Technology||$500,000.00||227.22||-$9.85 million||N/A||N/A|
Risk and Volatility
On Deck Capital has a beta of 1.93, indicating that its stock price is 93% more volatile than the S&P 500. Comparatively, Senmiao Technology has a beta of 0.79, indicating that its stock price is 21% less volatile than the S&P 500.
This is a breakdown of current recommendations for On Deck Capital and Senmiao Technology, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|On Deck Capital||1||3||3||0||2.29|
On Deck Capital presently has a consensus target price of $8.42, indicating a potential upside of 102.32%. Given On Deck Capital’s higher probable upside, research analysts plainly believe On Deck Capital is more favorable than Senmiao Technology.
This table compares On Deck Capital and Senmiao Technology’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|On Deck Capital||8.48%||12.24%||3.16%|
Institutional and Insider Ownership
71.7% of On Deck Capital shares are owned by institutional investors. Comparatively, 0.1% of Senmiao Technology shares are owned by institutional investors. 7.6% of On Deck Capital shares are owned by company insiders. Comparatively, 45.2% of Senmiao Technology shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.
On Deck Capital beats Senmiao Technology on 9 of the 11 factors compared between the two stocks.
On Deck Capital Company Profile
On Deck Capital, Inc. operates an online platform for small business lending in the United States, Canada, and Australia. It offers term loans and lines of credit. The company also provides technology and services platform that facilitates online lending to small business customers for banks. It distributes its products through direct marketing channel, strategic partners, and funding advisors. The company was founded in 2006 and is headquartered in New York, New York.
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.
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