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Senmiao Technology Limited (AIHS)
NASDAQ:AIHS
US Market

Senmiao Technology (AIHS) AI Stock Analysis

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Senmiao Technology

(NASDAQ:AIHS)

Rating:36Underperform
Price Target:
The overall score reflects significant financial challenges with declining revenues and negative equity. The technical indicators are neutral, providing little positive momentum. The negative P/E ratio and lack of dividend yield further weaken the stock's appeal. Strategic improvements are necessary to enhance financial stability.

Senmiao Technology (AIHS) vs. SPDR S&P 500 ETF (SPY)

Senmiao Technology Business Overview & Revenue Model

Company DescriptionSenmiao 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 MoneySenmiao Technology makes money through multiple revenue streams. A significant portion of its income is derived from automobile transaction services, which include facilitation of sales and leasing of vehicles, as well as after-sales services. Additionally, the company generates revenue through its online ride-hailing platform, where it provides services to drivers and passengers, earning commissions on each transaction. Financing solutions also contribute to its earnings, as Senmiao offers financial leasing and other related services. The company may also benefit from strategic partnerships with banks, financial institutions, and automotive companies, which enhance its service offerings and market reach.

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
30
Negative
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
20
Very Negative
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
40
Negative
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.
BreakdownTTMMar 2024Mar 2023Mar 2022Mar 2021Mar 2020
Income Statement
Total Revenue4.06M6.81M8.08M4.91M6.16M15.66M
Gross Profit780.77K1.56M1.49M-1.60M191.04K3.38M
EBITDA-2.08M-3.01M-2.44M-2.39M-7.12M-2.61M
Net Income-3.33M-3.67M-3.11M-5.61M-12.60M-4.35M
Balance Sheet
Total Assets7.89M9.86M14.24M19.88M22.30M15.63M
Cash, Cash Equivalents and Short-Term Investments949.22K792.30K1.61M1.19M4.45M833.89K
Total Debt475.57K718.62K991.00K1.11M8.84M7.03M
Total Liabilities5.66M5.57M6.01M7.31M19.73M14.16M
Stockholders Equity-1.17M894.90K4.39M8.09M5.86M2.80M
Cash Flow
Free Cash Flow268.87K-664.44K-619.66K-12.53M-6.45M-7.41M
Operating Cash Flow303.96K7.24K557.84K-9.16M-3.94M-6.45M
Investing Cash Flow-482.11K-569.61K320.53K-3.48M-2.51M-963.42K
Financing Cash Flow6.59K-168.34K-373.83K9.76M10.26M3.43M

Senmiao Technology Technical Analysis

Technical Analysis Sentiment
Negative
Last Price0.30
Price Trends
50DMA
0.79
Negative
100DMA
0.84
Negative
200DMA
0.90
Negative
Market Momentum
MACD
-0.17
Positive
RSI
29.77
Positive
STOCH
30.86
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 0.3 is below the 20-day moving average (MA) of 0.60, below the 50-day MA of 0.79, and below the 200-day MA of 0.90, indicating a bearish trend. The MACD of -0.17 indicates Positive momentum. The RSI at 29.77 is Positive, neither overbought nor oversold. The STOCH value of 30.86 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for AIHS.

Senmiao Technology Risk Analysis

Senmiao Technology disclosed 78 risk factors in its most recent earnings report. Senmiao Technology reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

Senmiao Technology Peers Comparison

Overall Rating
UnderperformOutperform
Sector (67)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
67
Neutral
¥712.50B10.837.42%3.37%7.74%16.12%
62
Neutral
$11.09M9.566.42%-7.31%
52
Neutral
$14.58M-40.46%-44.09%-64.95%
52
Neutral
$18.63M7.480.46%-12.05%-87.87%
39
Underperform
$5.16M-17.86%25.25%
36
Underperform
$3.10M-408.12%-44.34%27.19%
PTPT
33
Underperform
$14.60M20.04%-34.85%83.43%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
AIHS
Senmiao Technology
0.30
-0.67
-69.07%
NISN
NiSun International Enterprise Development Group
3.97
-0.28
-6.59%
PT
Pintec Technology Holdings
1.00
-0.05
-4.76%
LMFA
LM Funding America
2.65
-0.94
-26.18%
MCVT
Mill City Ventures III
1.82
-0.92
-33.58%
SNTG
Sentage Holdings
1.84
-0.12
-6.12%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: May 02, 2025