Senmiao Technology (AIHS) AI Stock Analysis

• Market Cap: $1.72M
• Dividend Yield: N/A
• Average Volume (3M): 2.48M
• Price to Earnings (P/E): ―
• Beta (1Y): -0.20
• 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: 1,108,312
• 10 Day Avg. Volume: 137,857
• 30 Day Avg. Volume: 2,483,594
• PEG Ratio: 1.29
• Price to Book (P/B): -32.79
• Price to Sales (P/S): 27.63
• P/FCF Ratio: 187.77
• Enterprise Value/Market Cap: 9.27
• 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: 39 Underperform
• Price Target: $1.50 ▲(16.28% Upside)

The overall stock score is primarily driven by significant financial challenges, including persistent losses and negative equity. Technical analysis indicates a bearish trend, and valuation metrics are unattractive due to negative earnings and lack of dividends. These factors collectively result in a low stock score, highlighting the need for substantial improvements in financial health and operational performance.

Positive Factors

AI Integration

The integration of AI in its services can provide a competitive edge by improving efficiency and customer experience, potentially leading to long-term growth.

Market Demand

The rising demand for smart mobility solutions in China presents a significant growth opportunity for Senmiao, aligning with structural industry trends.

Diversified Revenue Streams

Diversified revenue streams can provide stability and reduce risk, as the company is not overly reliant on a single source of income.

Negative Factors

Negative Profit Margins

Negative profit margins indicate operational inefficiencies and financial distress, posing a risk to long-term sustainability and profitability.

Declining Revenue

Declining revenue suggests challenges in maintaining market position and competitiveness, potentially impacting future growth prospects.

Weak Cash Generation

Weak cash generation limits financial flexibility and the ability to invest in growth initiatives, affecting long-term business viability.

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. The income statement shows persistent losses with negative margins, the balance sheet reveals financial instability with negative equity, and cash flow statements indicate severe liquidity issues. Despite minor revenue growth, the overall financial health is concerning.

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: Negative
• Last Price: 1.29
• 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 Negative. The current price of 1.29 is below the 20-day moving average (MA) of 1.30, below the 50-day MA of 1.76, and below the 200-day MA of 5.17, indicating a bearish trend. The MACD of -0.16 indicates Negative momentum. The RSI at 43.29 is Neutral, neither overbought nor oversold. The STOCH value of 76.93 is Neutral, 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
Sector *	63 Neutral	$10.79B	15.43	7.44%	2.01%	2.89%	-14.66%
NISN	54 Neutral	$16.37M	6.57	―	―	-12.05%	-87.87%
LMFA	45 Neutral	$12.09M	-0.43	-17.58%	―	-35.26%	53.23%
SNTG	39 Underperform	$6.37M	-2.88	―	―	-26.64%	-5.21%
AIHS	39 Underperform	$1.72M	-0.51	―	―	-25.21%	24.90%
DXF	33 Underperform	$555.53K	―	―	―	-26.44%	44.51%
PT	33 Underperform	$16.01M	-9.70	―	―	9.45%	71.81%

Senmiao Technology Corporate Events

Senmiao Technology Delays 10-Q Filing

Senmiao Technology Limited, a company based in Chengdu, China, has announced a delay in filing its Form 10-Q (Quarter Report) for the financial period ending September 30, 2025. The delay is primarily due to the need for additional time to complete certain disclosures required in the report, which could not be finalized without undue hardship and expense. The company anticipates filing the delayed report on or before the fifth calendar day following the original due date. Importantly, Senmiao Technology has indicated that there will be no significant changes in its financial results compared to the same period last year. The company is committed to maintaining compliance with all regulatory requirements, as evidenced by the notification signed by Xi Wen, the Chief Executive Officer.

The most recent analyst rating on (AIHS) stock is a Sell with a $1.50 price target. To see the full list of analyst forecasts on Senmiao Technology stock, see the AIHS Stock Forecast page.

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.

The most recent analyst rating on (AIHS) stock is a Sell with a $1.50 price target. To see the full list of analyst forecasts on Senmiao Technology stock, see the AIHS Stock Forecast page.