Senmiao Technology (AIHS) AI Stock Analysis

• Market Cap: $5.92M
• Dividend Yield: N/A
• Average Volume (3M): 2.48M
• Price to Earnings (P/E): ―
• Beta (1Y): 0.25
• Revenue Growth: -25.21%
• EPS Growth: 24.90%
• Country: US
• Employees: 55
• Sector: Industrials
• Sector Strength: 72
• Industry: Financial - Credit Services
• EPS (TTM): N/A
• 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: -0.32
• Enterprise Value/Revenue: -0.64
• Enterprise Value/Gross Profit: -3.17
• Enterprise Value/Ebitda: 0.64
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 43 Neutral
• Price Target: $1.00 ▼(-6.54% Downside)
• Action: Reiterated Date: 02/14/26
• Date: Action: Reiterated 02/14/26

The score is primarily weighed down by weak financial performance: declining TTM revenue, persistent large losses, and negative TTM operating/free cash flow. Technicals add a secondary headwind with the stock below key longer-term moving averages and slightly negative MACD. Corporate actions (asset divestiture/spin-off and capital raise) offer some support, but are offset by continued Nasdaq compliance risk, while valuation remains unattractive due to ongoing losses.

Positive Factors

Lossy Unit Divestiture

Removing subsidiaries that accumulated roughly $11 million in losses materially trims recurring loss exposure and discontinues non-operational units. This streamlines corporate structure, reduces future operating drag, and improves the odds of sustainable profitability and clearer performance tracking over months.

Cash Injection

The ~$2.8M financing strengthens near-term liquidity and extends runway for operations and strategic initiatives. With limited cash generation historically, this capital reduces immediate funding pressure and gives management breathing room to implement restructuring or growth efforts over the next several months.

Board & CEO Refresh

New executive and independent board appointments, including audit committee leadership, can enhance governance, oversight and strategic discipline. Improved board composition supports efforts to address compliance, financial controls and a refocused operating strategy that could yield steadier execution over time.

Negative Factors

Declining Revenue

Top-line decline alongside very large operating and net losses indicates the business lacks scale or pricing power to cover fixed costs. Persistent negative operating margins show an absence of operating leverage, making sustained profitability unlikely without material revenue recovery or structural cost changes.

Weak Cash Generation

Consistent negative operating and free cash flow means the core business consumes cash rather than funds growth. This pattern creates ongoing funding needs, increases dilution or debt risk, and constrains investment in technology or market expansion unless cash conversion materially improves.

Listing & Equity Risk

Negative equity and prior Nasdaq non‑compliance create a persistent listing and governance overhang. Even after corrective actions, continued monitoring and the need to demonstrate sustained equity and reporting compliance raise execution risk and may divert management focus from operations.

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

Overall financial profile is weak: revenue declined in the latest TTM, profitability remains deeply negative (very large operating and net losses), and TTM operating/free cash flow are negative, indicating ongoing cash consumption. The main offset is relatively low reported leverage in the latest period, but equity volatility (including negative equity in a recent annual period) elevates risk.

Income Statement

AIHS continues to operate at a sizable loss. In TTM (Trailing-Twelve-Months), revenue declined (-15.76%) and profitability remains deeply negative, with a modest gross margin (~28%) but very large operating losses (EBIT margin around -97%) and negative net margin (around -121%). While gross margin has improved versus older periods, the business has not shown a clear path to operating leverage, and losses have persisted across multiple years.

Balance Sheet

Leverage looks manageable on the latest TTM (Trailing-Twelve-Months) snapshot with low reported debt relative to equity (debt-to-equity ~0.14) and a large asset base. However, the balance sheet has shown volatility: stockholders’ equity was negative in the 2025 annual period, and returns on equity have been inconsistent, reflecting ongoing losses and potential balance-sheet instability over time.

Cash Flow

Cash generation is weak and inconsistent. TTM (Trailing-Twelve-Months) operating cash flow and free cash flow are both negative (about -$0.84M), indicating the core business is consuming cash. Although the 2025 annual period showed positive operating and free cash flow, the broader history includes multiple years of negative free cash flow and periods of significant cash burn, which raises funding and sustainability risk.

Breakdown	TTM	Mar 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020
Income Statement
Total Revenue	3.00M	3.39M	4.32M	8.08M	4.91M	2.19M
Gross Profit	605.28K	849.80K	924.73K	1.49M	-2.09M	204.76K
EBITDA	-2.98M	-2.17M	-2.40M	-1.77M	-3.47M	-6.83M
Net Income	-4.05M	-3.73M	-3.67M	-3.11M	-536.62K	-10.36M
Balance Sheet
Total Assets	5.74M	5.80M	9.86M	14.24M	19.88M	22.30M
Cash, Cash Equivalents and Short-Term Investments	3.51M	833.58K	737.72K	1.61M	1.19M	4.34M
Total Debt	66.72K	371.05K	576.16K	991.00K	1.11M	1.60M
Total Liabilities	1.95M	5.45M	5.81M	6.01M	7.31M	19.73M
Stockholders Equity	440.20K	-2.86M	894.90K	4.39M	8.09M	5.86M
Cash Flow
Free Cash Flow	-1.32M	498.70K	-664.44K	-619.66K	-12.53M	-6.45M
Operating Cash Flow	-1.32M	500.30K	7.24K	557.84K	-9.16M	-3.94M
Investing Cash Flow	-240.33K	-464.78K	-569.61K	320.53K	-3.48M	-2.51M
Financing Cash Flow	3.95M	-123.72K	-168.34K	-373.83K	9.76M	10.26M

Senmiao Technology Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1.07
• 50DMA: Positive
• 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 Positive. The current price of 1.07 is below the 20-day moving average (MA) of 1.23, below the 50-day MA of 1.17, and below the 200-day MA of 2.81, indicating a neutral trend. The MACD of 0.04 indicates Negative momentum. The RSI at 59.31 is Neutral, neither overbought nor oversold. The STOCH value of 67.67 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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%
AIHS	43 Neutral	$5.92M	-0.48	―	―	-25.21%	24.90%
SNTG	43 Neutral	$5.36M	-2.94	-16.36%	―	-26.60%	15.28%
LMFA	42 Neutral	$5.23M	-0.16	-17.58%	―	-35.26%	53.23%
DXF	41 Neutral	$242.75K	>-0.01	―	―	-26.44%	44.51%

Senmiao Technology Corporate Events

Senmiao Technology Completes Spin-Off to Regain Nasdaq Compliance

On December 1, 2025, Senmiao Technology Limited disclosed that it had received a notice from Nasdaq stating the company was not in compliance with the exchange’s minimum stockholders’ equity requirement of $2.5 million, after reporting negative stockholders’ equity of $132,073 as of September 30, 2025 and failing to meet alternative listing standards by November 30, 2025. To address this, Senmiao entered into an acquisition agreement on December 31, 2025 to spin off 100% of its equity interests in subsidiaries Sichuan Senmiao Yicheng Asset Management Co., Ltd. and Sichuan Senmiao Zecheng Business Consulting Co., Ltd. and affiliates to Hu Mao Sheng Tang Holdings Limited, and reported to Nasdaq on January 15, 2026 that the disposition had been completed, which the company believes restored its stockholders’ equity above the required threshold; however, Nasdaq will continue to monitor its compliance, and Senmiao could still face delisting if it does not demonstrate compliance when it files its quarterly report for the period ended December 31, 2025.

The most recent analyst rating on (AIHS) stock is a Hold with a $1.00 price target. To see the full list of analyst forecasts on Senmiao Technology stock, see the AIHS Stock Forecast page.

Senmiao Technology Divests Loss-Making Chengdu Subsidiaries

On December 31, 2025, Senmiao Technology Limited entered into an agreement to dispose of 100% of its equity interests in two wholly owned Chengdu-based subsidiaries, Sichuan Senmiao Yicheng Asset Management and Sichuan Senmiao Zecheng Business Consulting and affiliates, which had previously provided automobile transaction services for the online ride-hailing sector but had accumulated approximately $11 million in losses as of September 30, 2025 and had no operations during the past fiscal year. Under the deal, the buyer, non-affiliated Hu Mao Sheng Tang Holdings Limited of Hong Kong, will acquire the entities for no additional consideration and assume all their assets and obligations, a move approved by Senmiao’s board on the basis of a third-party valuation that deemed the zero consideration consistent with fair market value, and which is expected to streamline the company’s structure and remove loss-making, discontinued operations from its balance sheet.

The most recent analyst rating on (AIHS) stock is a Hold 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 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.

The most recent analyst rating on (AIHS) stock is a Sell with a $1.00 price target. To see the full list of analyst forecasts on Senmiao Technology stock, see the AIHS Stock Forecast page.

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.

The most recent analyst rating on (AIHS) stock is a Sell with a $1.00 price target. To see the full list of analyst forecasts on Senmiao Technology stock, see the AIHS Stock Forecast page.

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.

The most recent analyst rating on (AIHS) stock is a Sell with a $1.00 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.