Senmiao Technology (AIHS) AI Stock Analysis

• Market Cap: $2.44M
• Dividend Yield: N/A
• Average Volume (3M): 35.94K
• Price to Earnings (P/E): ―
• Beta (1Y): -0.12
• Revenue Growth: -46.69%
• EPS Growth: 14.78%
• Country: US
• Employees: 55
• Sector: Industrials
• Sector Strength: 84
• Industry: Financial - Credit Services
• EPS (TTM): -0.33
• Shares Outstanding: 1,108,275
• 10 Day Avg. Volume: 53,015
• 30 Day Avg. Volume: 35,944
• 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: 6.53
• Enterprise Value/Revenue: 4.39
• Enterprise Value/Gross Profit: 17.37
• Enterprise Value/Ebitda: -7.08
• 1Y Price Target: $2.50
• Price Target Upside: 9.65% Upside
• Rating Consensus: Moderate Sell
• Number of Analyst Covering: 1

• Rating: 39 Underperform
• Price Target: $2.50 ▲(9.65% Upside)

Senmiao Technology's overall stock score is primarily impacted by its weak financial performance and negative valuation metrics. The technical analysis suggests bearish momentum, and recent corporate events indicate regulatory challenges. These factors collectively contribute to a low overall score.

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 is facing significant financial difficulties with declining revenues, poor profitability, and high leverage. The negative equity and persistent losses pose substantial risks to financial stability. While there are some improvements in operating cash flow, the overall financial health remains weak, necessitating strategic changes to improve performance.

Income Statement

Senmiao Technology has experienced declining revenues and persistent losses. The gross profit margin is relatively low, and net profit margins are negative, indicating significant profitability challenges. While there was a revenue decline in the most recent TTM period, the EBIT and EBITDA margins remain negative, reflecting ongoing operational inefficiencies.

Balance Sheet

The company's balance sheet shows high leverage with a negative stockholders' equity, suggesting financial instability and potential solvency risks. The debt-to-equity ratio is not calculable due to negative equity, and the equity ratio is also negative, indicating that liabilities exceed assets significantly.

Cash Flow

Operating cash flow has improved in the most recent TTM, but free cash flow remains weak. The company has managed to generate positive operating cash flow relative to net income, but the free cash flow to net income ratio is concerning due to negative net income. Free cash flow growth has been erratic, showing some improvement but still negative overall.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	3.63M	3.39M	6.81M	8.08M	4.91M	6.16M
Gross Profit	917.37K	849.80K	1.56M	1.49M	-1.60M	191.04K
EBITDA	-2.25M	-2.17M	-3.01M	-2.44M	-2.39M	-7.12M
Net Income	-3.73M	-3.73M	-3.67M	-3.11M	-5.61M	-12.60M
Balance Sheet
Total Assets	5.80M	5.80M	9.86M	14.24M	19.88M	22.30M
Cash, Cash Equivalents and Short-Term Investments	833.58K	833.58K	792.30K	1.61M	1.19M	4.45M
Total Debt	371.05K	371.05K	718.62K	991.00K	1.11M	8.84M
Total Liabilities	5.45M	5.45M	5.57M	6.01M	7.31M	19.73M
Stockholders Equity	-2.86M	-2.86M	894.90K	4.39M	8.09M	5.86M
Cash Flow
Free Cash Flow	499.89K	498.70K	-664.44K	-619.66K	-12.53M	-6.45M
Operating Cash Flow	500.12K	500.30K	7.24K	557.84K	-9.16M	-3.94M
Investing Cash Flow	-464.78K	-464.78K	-569.61K	320.53K	-3.48M	-2.51M
Financing Cash Flow	-123.72K	-123.72K	-168.34K	-373.83K	9.76M	10.26M

Senmiao Technology Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 2.28
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• 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 2.28 is below the 20-day moving average (MA) of 2.67, below the 50-day MA of 4.22, and below the 200-day MA of 7.86, indicating a bearish trend. The MACD of -0.50 indicates Negative momentum. The RSI at 32.50 is Neutral, neither overbought nor oversold. The STOCH value of 15.25 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
Sector *	66 Neutral	4.30B	4.52	13.26%	4.08%	4.27%	1.85%
MCVT	62 Neutral	$571.15M	38.90	6.42%	―	-26.17%	―
NISN	52 Neutral	$17.89M	7.18	0.46%	―	-12.05%	-87.87%
LMFA	45 Neutral	$12.78M	―	-40.46%	―	-44.09%	-64.95%
SNTG	39 Underperform	$4.98M	―	-17.86%	―	-26.64%	-5.21%
AIHS	39 Underperform	$2.44M	―	-408.12%	―	-46.69%	14.78%
PT	33 Underperform	$13.95M	―	20.04%	―	-34.85%	83.43%

Senmiao Technology Corporate Events

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.