Senmiao Technology (AIHS) AI Stock Analysis

• Market Cap: $5.93M
• Dividend Yield: N/A
• Average Volume (3M): 2.48M
• Price to Earnings (P/E): ―
• Beta (1Y): 0.33
• Revenue Growth: -25.21%
• EPS Growth: 24.90%
• Country: US
• Employees: 55
• Sector: Industrials
• Sector Strength: 72
• Industry: Financial - Credit Services
• EPS (TTM): -0.33
• Shares Outstanding: 4,557,489
• 10 Day Avg. Volume: 137,857
• 30 Day Avg. Volume: 2,483,594
• PEG Ratio: 0.13
• Price to Book (P/B): -3.28
• Price to Sales (P/S): 2.76
• P/FCF Ratio: 18.78
• Enterprise Value/Market Cap: 2.69
• Enterprise Value/Revenue: 4.47
• Enterprise Value/Gross Profit: 16.41
• Enterprise Value/Ebitda: -6.07
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Moderate Sell
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 43 Neutral
• Price Target: $1.50 ▲(11.11% Upside)

Senmiao Technology's overall stock score is primarily impacted by its weak financial performance, characterized by persistent losses and liquidity issues. The technical analysis indicates a bearish trend, while valuation metrics highlight ongoing financial challenges. However, the recent capital raise through a direct offering provides a positive outlook for potential growth and financial stabilization.

Positive Factors

Leadership Changes

The appointment of new leadership, including a new CEO and board members, could bring fresh strategic direction and improve governance, potentially enhancing long-term business performance.

Capital Raise

The capital raise provides financial resources to support growth initiatives and diversify revenue streams, potentially stabilizing the company's financial position over the long term.

Technological Integration

The integration of AI and big data into services can optimize operations and improve customer satisfaction, offering a competitive edge in the transportation sector.

Negative Factors

Financial Instability

Negative equity and high financial leverage pose risks to the company's financial health, potentially limiting its ability to invest in growth and manage debt sustainably.

Liquidity Issues

Negative operating cash flow and declining free cash flow suggest insufficient cash generation, which may hinder the company's ability to cover operational costs and invest in future growth.

Negative Profit Margins

Persistent negative profit margins indicate ongoing operational inefficiencies, which could undermine long-term profitability and competitiveness in the market.

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 through multiple streams, primarily from its ride-hailing platform, which earns money via commissions from drivers for each completed ride. Additionally, the company offers car rental services, which contribute to its income by charging customers rental fees. The company may also generate revenue through partnerships with local transportation authorities and other businesses in the automotive sector, providing technological solutions that enhance fleet management and operational efficiency. Furthermore, the integration of AI and big data analytics into its services allows Senmiao to optimize operations, potentially leading to increased profitability by reducing costs and improving customer satisfaction.

Senmiao Technology Financial Statement Overview

Summary

Senmiao Technology is facing substantial financial challenges across all verticals. The income statement shows persistent losses and negative margins, the balance sheet reveals financial instability with negative equity, and cash flow statements indicate liquidity issues. While there is minor revenue growth, the overall financial health is concerning, requiring strategic interventions to stabilize and improve the company's financial position.

Income Statement

Senmiao Technology's income statement reveals a challenging financial position. The company has experienced consistent net losses, with a negative net profit margin of -88.57% in the TTM period. Although there is a slight revenue growth of 5.65% in the TTM, the EBIT and EBITDA margins remain deeply negative, indicating ongoing operational inefficiencies. The gross profit margin has improved slightly to 27.27%, but overall profitability remains a concern.

Balance Sheet

The balance sheet shows significant financial instability. The company has a negative stockholders' equity, leading to a negative debt-to-equity ratio. This indicates that liabilities exceed assets, posing a risk to financial health. The return on equity is alarmingly high at 185.59% due to negative equity, reflecting unsustainable financial leverage. The equity ratio is not calculable due to negative equity, further highlighting balance sheet weaknesses.

Cash Flow

Cash flow analysis indicates severe liquidity issues. The operating cash flow is negative, and the free cash flow has declined significantly by -152.48% in the TTM. The operating cash flow to net income ratio is negative, suggesting that the company is not generating sufficient cash from operations to cover its losses. The free cash flow to net income ratio is slightly above 1, indicating some alignment between cash flow and reported losses, but overall cash flow health is poor.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	3.56M	3.39M	4.32M	8.08M	4.91M	2.19M
Gross Profit	970.98K	849.80K	924.73K	1.49M	-2.09M	204.76K
EBITDA	-2.63M	-2.17M	-2.40M	-1.77M	-3.47M	-6.83M
Net Income	-3.15M	-3.73M	-3.67M	-3.11M	-536.62K	-10.36M
Balance Sheet
Total Assets	4.68M	5.80M	9.86M	14.24M	19.88M	22.30M
Cash, Cash Equivalents and Short-Term Investments	676.98K	833.58K	737.72K	1.61M	1.19M	4.34M
Total Debt	99.00K	371.05K	576.16K	991.00K	1.11M	1.60M
Total Liabilities	4.77M	5.45M	5.81M	6.01M	7.31M	19.73M
Stockholders Equity	-132.07K	-2.86M	894.90K	4.39M	8.09M	5.86M
Cash Flow
Free Cash Flow	-85.00K	498.70K	-664.44K	-619.66K	-12.53M	-6.45M
Operating Cash Flow	-84.78K	500.30K	7.24K	557.84K	-9.16M	-3.94M
Investing Cash Flow	-417.75K	-464.78K	-569.61K	320.53K	-3.48M	-2.51M
Financing Cash Flow	338.58K	-123.72K	-168.34K	-373.83K	9.76M	10.26M

Senmiao Technology Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 1.35
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AIHS, the sentiment is Neutral. The current price of 1.35 is above the 20-day moving average (MA) of 1.24, below the 50-day MA of 1.56, and below the 200-day MA of 4.78, indicating a neutral trend. The MACD of -0.05 indicates Negative momentum. The RSI at 48.95 is Neutral, neither overbought nor oversold. The STOCH value of 68.84 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for AIHS.

Senmiao Technology Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	63 Neutral	$10.79B	15.43	7.44%	2.01%	2.89%	-14.66%
NISN	50 Neutral	$14.99M	6.26	―	―	-12.05%	-87.87%
LMFA	49 Neutral	$10.44M	―	-17.58%	―	-35.26%	53.23%
AIHS	43 Neutral	$5.93M	-0.46	―	―	-25.21%	24.90%
SNTG	39 Underperform	$6.37M	-2.88	―	―	-26.64%	-5.21%
DXF	33 Underperform	$564.86K	>-0.01	―	―	-26.44%	44.51%
PT	33 Underperform	$17.12M	-10.30	―	―	9.45%	71.81%

Senmiao Technology Corporate Events

Senmiao Technology Announces Leadership Changes and Appointments

On November 25, 2025, Senmiao Technology Limited announced significant changes to its Board of Directors and executive leadership. Sichun Wang resigned from her roles as a director and chairwoman of the Audit Committee, among other positions, without any disagreements with the company. To fill the vacancies, Si (Simon) Li and Chong Chen were appointed as independent directors, with Li taking over as chairman of the Audit Committee and Chen as chairman of the Nominating Committee. Additionally, Ronggang (Jonathan) Zhang was appointed as the new Chief Executive Officer and chairman of the Board, succeeding Xi Wen. These appointments are expected to bring new expertise and leadership to the company, potentially impacting its strategic direction and governance.

Senmiao Technology CEO and Chairman Resignations

On November 21, 2025, Wen Xi resigned as CEO and Chairman of the Board of Senmiao Technology Limited, and Trent D. Davis also resigned from the Board. Their resignations were due to personal reasons and not related to any disagreements with the company.

Senmiao Technology Completes $2.8 Million Direct Offering

On November 20, 2025, Senmiao Technology Limited announced the completion of a registered direct offering, raising approximately $2.8 million through the sale of common stock and pre-funded warrants. This financing is intended to strengthen the company’s financial foundation and support its growth strategy by exploring new business opportunities to diversify revenue streams and enhance shareholder value.

Senmiao Technology Announces New Securities Purchase Agreement

On November 14, 2025, Senmiao Technology Limited entered into a securities purchase agreement with accredited investors for the issuance of 1,350,000 shares of common stock and pre-funded warrants to purchase 905,000 shares, aiming to raise approximately $2.8 million. The proceeds are intended for general corporate purposes and working capital, with the closing expected around November 17, 2025, pending customary conditions. Additionally, the company plans to issue warrants for 4,510,000 shares in a private placement, contingent on stockholder approval, with a special meeting scheduled within 45 days post-closing.