Comprehensive Stock Comparison
Compare Senmiao Technology Limited (AIHS) vs Credit Acceptance Corporation (CACC) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
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Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | CACC | 13.5% revenue growth vs AIHS's -21.5% |
| Value | CACC | Better valuation composite |
| Quality / Margins | CACC | 11.6% net margin vs AIHS's -109.9% |
| Stability / Safety | AIHS | Beta 0.38 vs CACC's 1.13, lower leverage |
| Dividends | Tie | Neither pays a meaningful dividend |
| Momentum (1Y) | CACC | -3.9% vs AIHS's -85.6% |
| Efficiency (ROA) | CACC | 5.3% ROA vs AIHS's -63.1%, ROIC 3.3% vs -108.4% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Defensive / Recession hedge
Business Model
What each company does and how it makes money
Senmiao Technology operates an automobile transaction and financing platform in China, primarily serving online ride-hailing drivers. It generates revenue through car rental services, auto financing solutions — including financing leases — and supporting services for drivers. The company's key advantage is its integrated ecosystem that combines vehicle access, financing, and driver support services specifically tailored for China's ride-hailing market.
Credit Acceptance Corporation is a specialty finance company that provides auto loan financing programs to independent and franchised car dealers across the United States. It makes money primarily through interest income from consumer auto loans — which it either purchases from dealers or services for them — and secondarily through reinsurance premiums from vehicle service contracts. The company's key advantage is its proprietary credit scoring technology and extensive dealer network, which allow it to profitably serve subprime borrowers that traditional lenders often avoid.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
CACC leads in 4 of 6 categories — strongest in Financial Metrics and Valuation Metrics. 1 category is tied.
Financial Metrics (TTM)
CACC is the larger business by revenue, generating $2.1B annually — 629.8x AIHS's $3M. CACC is the more profitable business, keeping 11.6% of every revenue dollar as net income compared to AIHS's -109.9%.
| Metric | AIHSSenmiao Technolog… | CACCCredit Acceptance… |
|---|---|---|
| RevenueTrailing 12 months | $3M | $2.1B |
| EBITDAEarnings before interest/tax | -$3M | $598M |
| Net IncomeAfter-tax profit | -$4M | $454M |
| Free Cash FlowCash after capex | -$841,225 | $1.1B |
| Gross MarginGross profit ÷ Revenue | +25.1% | +62.4% |
| Operating MarginEBIT ÷ Revenue | -114.1% | +15.2% |
| Net MarginNet income ÷ Revenue | -109.9% | +11.6% |
| FCF MarginFCF ÷ Revenue | +14.7% | +53.2% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -4.2% | +48.5% |
Valuation Metrics
| Metric | AIHSSenmiao Technolog… | CACCCredit Acceptance… |
|---|---|---|
| Market CapShares × price | $14M | $5.2B |
| Enterprise ValueMkt cap + debt − cash | $13M | $10.7B |
| Trailing P/EPrice ÷ TTM EPS | -3.94x | 23.80x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 10.24x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | — | 30.41x |
| Price / SalesMarket cap ÷ Revenue | 4.03x | 2.45x |
| Price / BookPrice ÷ Book value/share | 3.93x | 3.37x |
| Price / FCFMarket cap ÷ FCF | 27.42x | 4.60x |
Profitability & Efficiency
CACC delivers a 28.7% return on equity — every $100 of shareholder capital generates $29 in annual profit, vs $-97 for AIHS. AIHS carries lower financial leverage with a 1.07x debt-to-equity ratio, signaling a more conservative balance sheet compared to CACC's 3.63x.
| Metric | AIHSSenmiao Technolog… | CACCCredit Acceptance… |
|---|---|---|
| ROE (TTM)Return on equity | -96.6% | +28.7% |
| ROA (TTM)Return on assets | -63.1% | +5.3% |
| ROICReturn on invested capital | -108.4% | +3.3% |
| ROCEReturn on capital employed | -151.6% | +3.6% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 4 |
| Debt / EquityFinancial leverage | 1.07x | 3.63x |
| Net DebtTotal debt minus cash | -$462,530 | $5.5B |
| Cash & Equiv.Liquid assets | $833,577 | $845M |
| Total DebtShort + long-term debt | $371,047 | $6.4B |
| Interest CoverageEBIT ÷ Interest expense | -956.96x | — |
Total Returns (with DRIP)
A $10,000 investment in CACC five years ago would be worth $12,502 today (with dividends reinvested), compared to $83 for AIHS. Over the past 12 months, CACC leads with a -3.9% total return vs AIHS's -85.6%. The 3-year compound annual growth rate (CAGR) favors CACC at 2.1% vs AIHS's -47.7% — a key indicator of consistent wealth creation.
| Metric | AIHSSenmiao Technolog… | CACCCredit Acceptance… |
|---|---|---|
| YTD ReturnYear-to-date | +20.4% | +4.2% |
| 1-Year ReturnPast 12 months | -85.6% | -3.9% |
| 3-Year ReturnCumulative with dividends | -85.7% | +6.5% |
| 5-Year ReturnCumulative with dividends | -99.2% | +25.0% |
| 10-Year ReturnCumulative with dividends | -99.8% | +140.1% |
| CAGR (3Y)Annualised 3-year return | -47.7% | +2.1% |
Risk & Volatility
AIHS is the less volatile stock with a 0.38 beta — it tends to amplify market swings less than CACC's 1.13 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. CACC currently trades 86.1% from its 52-week high vs AIHS's 7.6% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | AIHSSenmiao Technolog… | CACCCredit Acceptance… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.38x | 1.13x |
| 52-Week HighHighest price in past year | $17.00 | $549.75 |
| 52-Week LowLowest price in past year | $0.83 | $401.90 |
| % of 52W HighCurrent price vs 52-week peak | +7.6% | +86.1% |
| RSI (14)Momentum oscillator 0–100 | 63.6 | 50.7 |
| Avg Volume (50D)Average daily shares traded | 23K | 151K |
Analyst Outlook
| Metric | AIHSSenmiao Technolog… | CACCCredit Acceptance… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Hold |
| Price TargetConsensus 12-month target | — | $480.00 |
| # AnalystsCovering analysts | — | 18 |
| Dividend YieldAnnual dividend ÷ price | — | — |
| Dividend StreakConsecutive years of raises | — | — |
| Dividend / ShareAnnual DPS | — | — |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +6.0% |
Historical Charts
Charts are rendered on first load. Hover for details.
Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Mar 20 | Feb 26 | Change |
|---|---|---|---|
| Senmiao Technology … (AIHS) | 100 | 2.26 | -97.7% |
| Credit Acceptance C… (CACC) | 100 | 128.57 | +28.6% |
Credit Acceptance C… (CACC) returned +25% over 5 years vs Senmiao Technology … (AIHS)'s -99%. A $10,000 investment in CACC 5 years ago would be worth $12,502 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Senmiao Technology … (AIHS) | $0.00 | $3M | — |
| Credit Acceptance C… (CACC) | $824M | $2.1B | +159.1% |
Senmiao Technology Limited's revenue grew from $0M (2015) to $3M (2024) — a 0.0% CAGR. Credit Acceptance Corporation's revenue grew from $824M (2015) to $2.1B (2024) — a 11.2% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Senmiao Technology … (AIHS) | -8.0% | -109.9% | -1269.4% |
| Credit Acceptance C… (CACC) | 36.4% | 11.6% | -68.1% |
Credit Acceptance Corporation's net margin went from 36% (2015) to 12% (2024).
Chart 4P/E Ratio History — 8 Years
| Stock | 2017 | 2024 | Change |
|---|---|---|---|
| Credit Acceptance C… (CACC) | 13.5 | 23.6 | +74.8% |
Credit Acceptance Corporation has traded in a 12x–24x P/E range over 8 years; current trailing P/E is ~24x.
Chart 5EPS Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Senmiao Technology … (AIHS) | -0.01 | -0.33 | -5138.1% |
| Credit Acceptance C… (CACC) | 14.28 | 19.88 | +39.2% |
Senmiao Technology Limited's EPS grew from $-0.01 (2015) to $-0.33 (2024). Credit Acceptance Corporation's EPS grew from $14.28 (2015) to $19.88 (2024) — a 4% CAGR.
Chart 6Free Cash Flow — 5 Years
Senmiao Technology Limited generated $0M FCF in 2024 (+104% vs 2021). Credit Acceptance Corporation generated $1B FCF in 2024 (+7% vs 2021).
AIHS vs CACC: Frequently Asked Questions
7 questions · data-driven answers · updated daily
01Is AIHS or CACC a better buy right now?
Credit Acceptance Corporation (CACC) offers the better valuation at 23.8x trailing P/E (10.2x forward), making it the more compelling value choice. Analysts rate Credit Acceptance Corporation (CACC) a "Hold" — based on 18 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which is the better long-term investment — AIHS or CACC?
Over the past 5 years, Credit Acceptance Corporation (CACC) delivered a total return of +25.0%, compared to -99.2% for Senmiao Technology Limited (AIHS). A $10,000 investment in CACC five years ago would be worth approximately $13K today (assuming dividends reinvested). Over 10 years, the gap is even starker: CACC returned +140.1% versus AIHS's -99.8%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
03Which is safer — AIHS or CACC?
By beta (market sensitivity over 5 years), Senmiao Technology Limited (AIHS) is the lower-risk stock at 0.38β versus Credit Acceptance Corporation's 1.13β — meaning CACC is approximately 198% more volatile than AIHS relative to the S&P 500. On balance sheet safety, Senmiao Technology Limited (AIHS) carries a lower debt/equity ratio of 107% versus 4% for Credit Acceptance Corporation — giving it more financial flexibility in a downturn.
04Which has better profit margins — AIHS or CACC?
Credit Acceptance Corporation (CACC) is the more profitable company, earning 11.6% net margin versus -109.9% for Senmiao Technology Limited — meaning it keeps 11.6% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: CACC leads at 15.2% versus -114.1% for AIHS. At the gross margin level — before operating expenses — CACC leads at 62.4%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
05Which pays a better dividend — AIHS or CACC?
None of the stocks in this comparison currently pay a material dividend. All are effectively zero-yield and should be held for capital appreciation rather than income.
06Is AIHS or CACC better for a retirement portfolio?
For long-horizon retirement investors, Senmiao Technology Limited (AIHS) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.38)). Both have compounded well over 10 years (AIHS: -99.8%, CACC: +140.1%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
07What are the main differences between AIHS and CACC?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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