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

Institutional & Insider Ownership

3.6% of U-Haul shares are owned by institutional investors. Comparatively, 0.4% of Senmiao Technology shares are owned by institutional investors. 50.1% of U-Haul shares are owned by insiders. Comparatively, 2.3% 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 is poised for long-term growth.

Volatility and Risk

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

Earnings and Valuation

This table compares U-Haul 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
U-Haul	$5.63 billion	2.55	$628.71 million	$2.32	31.58
Senmiao Technology	$6.81 million	1.39	-$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.

Summary

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

About U-Haul

U-Haul Holding Company operates as a do-it-yourself moving and storage operator for household and commercial goods in the United States and Canada. The company’s Moving and Storage segment rents trucks, trailers, portable moving and storage units, specialty rental items, and self-storage spaces primarily to the household movers; and sells moving supplies, towing accessories, and propane. It also provides uhaul.com, an online marketplace that connects consumers to independent Moving Help service providers and independent self-storage affiliates; auto transport and tow dolly options to transport vehicles; and specialty boxes for dishes, computers, flat screen television, and sensitive electronic equipment, as well as tapes, security locks, and packing supplies. This segment rents its products and services through a network of approximately 2,300 company operated retail moving stores and 21,000 independent U-Haul dealers. It also has a rental fleet of approximately 188,700 trucks, 139,400 trailers, and 43,700 towing devices; and 1,962 self-storage locations with approximately 1,004,000 rentable storage units. The company’s Property and Casualty Insurance segment offers loss adjusting and claims handling services. It also provides moving and storage protection packages, such as Safemove and Safetow packages, which offer moving and towing customers with a damage waiver, cargo protection, and medical and life insurance coverage; Safestor that protects storage customers from loss on their goods in storage; Safestor Mobile, which protects customers stored belongings; and Safemove Plus, which provides rental customers with a layer of primary liability protection. Its Life Insurance segment provides 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 formerly known as AMERCO. The company was founded in 1945 and is based in Reno, Nevada.

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.