Senmiao Technology (AIHS) AI Stock Analysis

• Market Cap: $2.57M
• Dividend Yield: N/A
• Average Volume (3M): 7.56M
• Price to Earnings (P/E): ―
• Beta (1Y): -0.13
• Revenue Growth: -42.31%
• EPS Growth: 28.22%
• Country: US
• Employees: 55
• Sector: Industrials
• Sector Strength: 72
• Industry: Financial - Credit Services
• EPS (TTM): -0.33
• Shares Outstanding: 1,108,312
• 10 Day Avg. Volume: 4,666,086
• 30 Day Avg. Volume: 7,562,153
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 6.21
• Enterprise Value/Revenue: 4.73
• Enterprise Value/Gross Profit: 20.07
• Enterprise Value/Ebitda: -8.82
• 1Y Price Target: $2.50
• Price Target Upside: 7.76% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 41 Neutral
• Price Target: $2.50 ▲(7.76% Upside)

Senmiao Technology's overall stock score is primarily impacted by its poor financial performance, characterized by significant losses and a weak balance sheet. Technical analysis indicates a bearish trend, and valuation metrics are unfavorable due to negative earnings. These factors collectively suggest a high-risk investment.

Senmiao Technology Business Overview & Revenue Model

Company Description

Senmiao Technology Limited engages in the automobile transaction and related services business in the People's Republic of China. The company offers car rental services to individual customers; and auto finance solutions through financing leases. It also engages in automobile sales; the facilitation of automobile transaction and financing; and the provision of supporting services provided to online ride-hailing drivers, as well as management and guarantee services. The company was founded in 2014 and is headquartered in Chengdu, the People's Republic of China.

How the Company Makes Money

Senmiao Technology generates revenue primarily through its ride-hailing services, where it earns money by taking a commission from each transaction completed on its platform. Additionally, the company generates revenue from the sale and leasing of vehicles through its online auto trading platform. Key revenue streams include commissions from drivers and riders using its services, fees for vehicle leasing arrangements, and potential partnerships with automotive manufacturers or financial institutions that enhance its service offerings. The company's strategic initiatives in expanding its service coverage and enhancing its platform's capabilities are also significant contributors to its earnings.

Senmiao Technology Financial Statement Overview

Summary

Senmiao Technology faces significant financial challenges, with negative profit margins, declining revenues, and a weak balance sheet characterized by negative equity. Cash flow issues further exacerbate the financial instability, indicating potential risks.

Income Statement

Senmiao Technology's income statement shows significant challenges, with negative net profit margins and declining revenue growth. The TTM data indicates a gross profit margin of 25.25%, but the net profit margin is deeply negative at -102.56%, reflecting substantial losses. Revenue has decreased by 7.22% in the TTM period, indicating a downward trend. The EBIT and EBITDA margins are also negative, suggesting operational inefficiencies.

Balance Sheet

The balance sheet reveals a concerning financial structure with negative stockholders' equity, resulting in a negative debt-to-equity ratio. The return on equity is positive in the TTM period at 3.65%, but this is due to negative equity. The equity ratio is not directly calculable due to negative equity, indicating financial instability and potential risk.

Cash Flow

Cash flow analysis shows a mixed picture. The operating cash flow to net income ratio is low at 0.10, indicating weak cash generation relative to net income. Free cash flow growth is negative at -67.36% in the TTM period, highlighting cash flow challenges. However, the free cash flow to net income ratio is nearly 1, suggesting that free cash flow is closely aligned with net income, albeit both are negative.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	3.37M	3.39M	6.81M	8.08M	4.91M	6.16M
Gross Profit	793.79K	849.80K	1.56M	1.49M	-1.60M	191.04K
EBITDA	-1.81M	-2.17M	-3.01M	-2.44M	-2.39M	-7.12M
Net Income	-3.22M	-3.73M	-3.67M	-3.11M	-5.61M	-12.60M
Balance Sheet
Total Assets	5.31M	5.80M	9.86M	14.24M	19.88M	22.30M
Cash, Cash Equivalents and Short-Term Investments	867.77K	833.58K	792.30K	1.61M	1.19M	4.45M
Total Debt	197.13K	371.05K	718.62K	991.00K	1.11M	8.84M
Total Liabilities	4.81M	5.45M	5.57M	6.01M	7.31M	19.73M
Stockholders Equity	-2.60M	-2.86M	894.90K	4.39M	8.09M	5.86M
Cash Flow
Free Cash Flow	163.16K	498.70K	-664.44K	-619.66K	-12.53M	-6.45M
Operating Cash Flow	162.20K	500.30K	7.24K	557.84K	-9.16M	-3.94M
Investing Cash Flow	-472.41K	-464.78K	-569.61K	320.53K	-3.48M	-2.51M
Financing Cash Flow	307.46K	-123.72K	-168.34K	-373.83K	9.76M	10.26M

Senmiao Technology Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 2.32
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AIHS, the sentiment is Negative. The current price of 2.32 is below the 20-day moving average (MA) of 2.48, below the 50-day MA of 2.47, and below the 200-day MA of 6.82, indicating a bearish trend. The MACD of -0.08 indicates Positive momentum. The RSI at 47.53 is Neutral, neither overbought nor oversold. The STOCH value of 13.40 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for AIHS.

Senmiao Technology Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SUIG	62 Neutral	322.84M	16.40	―	―	-39.95%	440.27%
NISN	58 Neutral	18.40M	7.39	0.45%	―	-12.05%	-87.87%
LMFA	45 Neutral	17.54M	-0.26	-30.56%	―	-50.52%	3.90%
AIHS	41 Neutral	$2.57M	―	-408.12%	―	-42.31%	28.22%
SNTG	39 Underperform	9.37M	-4.24	―	―	-26.64%	-5.21%
PT	33 Underperform	15.03M	-9.11	―	―	9.45%	71.81%
Sector *	63 Neutral	$10.79B	15.43	7.44%	2.01%	2.89%	-14.66%

Senmiao Technology Corporate Events

Senmiao Technology Regains Nasdaq Compliance

On August 12, 2025, Senmiao Technology Limited announced that it has regained compliance with the Nasdaq Capital Market’s minimum bid price requirement. This compliance was achieved as the company’s stock maintained a closing bid price of at least $1.00 per share for ten consecutive business days from July 29, 2025, to August 11, 2025, resolving a previous issue where the stock price had fallen below the required threshold.

Senmiao Technology Receives Nasdaq Deficiency Notice

On July 29, 2025, Senmiao Technology Limited received a deficiency notice from Nasdaq due to its common stock failing to meet the $1 minimum bid price requirement for continued listing. The company has until January 26, 2026, to regain compliance, with options for an additional compliance period if necessary. A 1:10 reverse stock split was effectuated on July 29, 2025, to address this issue, with trading beginning on a split-adjusted basis on that day.

Senmiao Technology Announces Reverse Stock Split Plan

On July 24, 2025, Senmiao Technology Limited announced its plan to implement a 1-for-10 reverse stock split on its common stock, effective July 29, 2025, with trading to begin on a split-adjusted basis on that date. This move, approved by the company’s Board of Directors, will uniformly affect all stockholders and will not alter any stockholder’s percentage interest in the company, except for adjustments due to fractional shares. Additionally, the company has reduced its authorized number of shares from 500 million to 50 million, aligning with the split ratio.