Comprehensive Stock Comparison
Compare Senmiao Technology Limited (AIHS) vs ORIX Corporation (IX) 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 | IX | 2.1% revenue growth vs AIHS's -21.5% |
| Value | IX | Better valuation composite |
| Quality / Margins | IX | 12.2% net margin vs AIHS's -109.9% |
| Stability / Safety | AIHS | Beta 0.38 vs IX's 0.68, lower leverage |
| Dividends | IX | 2.1% yield; 1-year raise streak; AIHS pays no meaningful dividend |
| Momentum (1Y) | IX | +77.9% vs AIHS's -85.6% |
| Efficiency (ROA) | IX | 2.5% ROA vs AIHS's -63.1%, ROIC 2.4% 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.
ORIX Corporation is a diversified financial services conglomerate operating across leasing, lending, real estate, and private equity. It generates revenue primarily through interest income from corporate finance and leasing operations (around 40%), fee income from asset management and real estate services (roughly 30%), and investment returns from private equity and infrastructure holdings. The company's competitive advantage lies in its integrated financial ecosystem—spanning traditional lending to alternative investments—and its extensive network across Asia, particularly Japan, which creates cross-selling opportunities and economies of scale.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
IX leads in 4 of 6 categories — strongest in Financial Metrics and Valuation Metrics. 1 category is tied.
Financial Metrics (TTM)
IX is the larger business by revenue, generating $2.87T annually — 848262.0x AIHS's $3M. IX is the more profitable business, keeping 12.2% of every revenue dollar as net income compared to AIHS's -109.9%.
| Metric | AIHSSenmiao Technolog… | IXORIX Corporation |
|---|---|---|
| RevenueTrailing 12 months | $3M | $2.87T |
| EBITDAEarnings before interest/tax | -$3M | $717.3B |
| Net IncomeAfter-tax profit | -$4M | $439.8B |
| Free Cash FlowCash after capex | -$841,225 | $0 |
| Gross MarginGross profit ÷ Revenue | +25.1% | +41.8% |
| Operating MarginEBIT ÷ Revenue | -114.1% | +11.5% |
| Net MarginNet income ÷ Revenue | -109.9% | +12.2% |
| FCF MarginFCF ÷ Revenue | +14.7% | +41.1% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -4.2% | +74.6% |
Valuation Metrics
| Metric | AIHSSenmiao Technolog… | IXORIX Corporation |
|---|---|---|
| Market CapShares × price | $14M | $39.3B |
| Enterprise ValueMkt cap + debt − cash | $13M | $71.8B |
| Trailing P/EPrice ÷ TTM EPS | -3.94x | 18.07x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 0.09x |
| PEG RatioP/E ÷ EPS growth rate | — | 3.40x |
| EV / EBITDAEnterprise value multiple | — | 15.33x |
| Price / SalesMarket cap ÷ Revenue | 4.03x | 2.13x |
| Price / BookPrice ÷ Book value/share | 3.93x | 1.52x |
| Price / FCFMarket cap ÷ FCF | 27.42x | 5.20x |
Profitability & Efficiency
IX delivers a 9.7% return on equity — every $100 of shareholder capital generates $10 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 IX's 1.51x. On the Piotroski fundamental quality scale (0–9), IX scores 6/9 vs AIHS's 4/9, reflecting solid financial health.
| Metric | AIHSSenmiao Technolog… | IXORIX Corporation |
|---|---|---|
| ROE (TTM)Return on equity | -96.6% | +9.7% |
| ROA (TTM)Return on assets | -63.1% | +2.5% |
| ROICReturn on invested capital | -108.4% | +2.4% |
| ROCEReturn on capital employed | -151.6% | +2.5% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 6 |
| Debt / EquityFinancial leverage | 1.07x | 1.51x |
| Net DebtTotal debt minus cash | -$462,530 | $5.08T |
| Cash & Equiv.Liquid assets | $833,577 | $1.21T |
| Total DebtShort + long-term debt | $371,047 | $6.28T |
| Interest CoverageEBIT ÷ Interest expense | -956.96x | 3.88x |
Total Returns (with DRIP)
A $10,000 investment in IX five years ago would be worth $22,877 today (with dividends reinvested), compared to $83 for AIHS. Over the past 12 months, IX leads with a +77.9% total return vs AIHS's -85.6%. The 3-year compound annual growth rate (CAGR) favors IX at 28.3% vs AIHS's -47.7% — a key indicator of consistent wealth creation.
| Metric | AIHSSenmiao Technolog… | IXORIX Corporation |
|---|---|---|
| YTD ReturnYear-to-date | +20.4% | +20.5% |
| 1-Year ReturnPast 12 months | -85.6% | +77.9% |
| 3-Year ReturnCumulative with dividends | -85.7% | +111.0% |
| 5-Year ReturnCumulative with dividends | -99.2% | +128.8% |
| 10-Year ReturnCumulative with dividends | -99.8% | +218.8% |
| CAGR (3Y)Annualised 3-year return | -47.7% | +28.3% |
Risk & Volatility
AIHS is the less volatile stock with a 0.38 beta — it tends to amplify market swings less than IX's 0.68 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. IX currently trades 96.0% 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… | IXORIX Corporation |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.38x | 0.68x |
| 52-Week HighHighest price in past year | $17.00 | $37.04 |
| 52-Week LowLowest price in past year | $0.83 | $17.75 |
| % of 52W HighCurrent price vs 52-week peak | +7.6% | +96.0% |
| RSI (14)Momentum oscillator 0–100 | 63.6 | 68.2 |
| Avg Volume (50D)Average daily shares traded | 23K | 175K |
Analyst Outlook
IX is the only dividend payer here at 2.09% yield — a key consideration for income-focused portfolios.
| Metric | AIHSSenmiao Technolog… | IXORIX Corporation |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | — |
| Price TargetConsensus 12-month target | — | — |
| # AnalystsCovering analysts | — | — |
| Dividend YieldAnnual dividend ÷ price | — | +2.1% |
| Dividend StreakConsecutive years of raises | — | 1 |
| Dividend / ShareAnnual DPS | — | $116.24 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +0.9% |
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% |
| ORIX Corporation (IX) | 100 | 187.71 | +87.7% |
ORIX Corporation (IX) returned +129% over 5 years vs Senmiao Technology … (AIHS)'s -99%. A $10,000 investment in IX 5 years ago would be worth $22,877 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Senmiao Technology … (AIHS) | $73237.00 | $3M | +4527.5% |
| ORIX Corporation (IX) | $1.2T | $2.9T | +145.5% |
ORIX Corporation's revenue grew from $1.2T (2016) to $2.9T (2025) — a 10.5% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Senmiao Technology … (AIHS) | -8.0% | -109.9% | -1269.4% |
| ORIX Corporation (IX) | 22.2% | 12.2% | -44.9% |
ORIX Corporation's net margin went from 22% (2016) to 12% (2025).
Chart 4P/E Ratio History — 9 Years
| Stock | 2017 | 2025 | Change |
|---|---|---|---|
| ORIX Corporation (IX) | 0.1 | 0.1 | +0.0% |
ORIX Corporation has traded in a 0x–0x P/E range over 9 years; current trailing P/E is ~18x.
Chart 5EPS Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Senmiao Technology … (AIHS) | -0.23 | -0.33 | -43.5% |
| ORIX Corporation (IX) | 198.52 | 307.16 | +54.7% |
ORIX Corporation's EPS grew from $198.52 (2016) to $307.16 (2025) — a 5% CAGR.
Chart 6Free Cash Flow — 5 Years
Senmiao Technology Limited generated $0M FCF in 2024 (+104% vs 2021). ORIX Corporation generated $1.2T FCF in 2025 (+245% vs 2021).
AIHS vs IX: Frequently Asked Questions
7 questions · data-driven answers · updated daily
01Is AIHS or IX a better buy right now?
ORIX Corporation (IX) offers the better valuation at 18.1x trailing P/E (0.1x forward), making it the more compelling value choice. 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 IX?
Over the past 5 years, ORIX Corporation (IX) delivered a total return of +128.8%, compared to -99.2% for Senmiao Technology Limited (AIHS). A $10,000 investment in IX five years ago would be worth approximately $23K today (assuming dividends reinvested). Over 10 years, the gap is even starker: IX returned +218.8% 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 IX?
By beta (market sensitivity over 5 years), Senmiao Technology Limited (AIHS) is the lower-risk stock at 0.38β versus ORIX Corporation's 0.68β — meaning IX is approximately 77% 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 151% for ORIX Corporation — giving it more financial flexibility in a downturn.
04Which has better profit margins — AIHS or IX?
ORIX Corporation (IX) is the more profitable company, earning 12.2% net margin versus -109.9% for Senmiao Technology Limited — meaning it keeps 12.2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: IX leads at 11.5% versus -114.1% for AIHS. At the gross margin level — before operating expenses — IX leads at 41.8%, 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 IX?
In this comparison, IX (2.1% yield) pays a dividend. AIHS does not pay a meaningful dividend and should not be held primarily for income.
06Is AIHS or IX better for a retirement portfolio?
For long-horizon retirement investors, ORIX Corporation (IX) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.68), 2.1% yield, +218.8% 10Y return). Both have compounded well over 10 years (IX: +218.8%, AIHS: -99.8%), 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 IX?
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. IX pays a dividend while AIHS does not, making them suitable for different income and tax situations. 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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