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Senmiao Technology Limited (AIHS)
NASDAQ:AIHS
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Senmiao Technology (AIHS) AI Stock Analysis

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AIHS

Senmiao Technology

(NASDAQ:AIHS)

Rating:44Neutral
Price Target:
$4.00
▲(3.36% Upside)
Senmiao Technology's overall stock score is primarily impacted by its poor financial performance and weak valuation metrics. While the company has regained Nasdaq compliance, ongoing financial instability and technical analysis signals suggest caution. The high RSI indicates potential overbought conditions, adding to the risk profile.

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 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 faces significant financial challenges, with negative profit margins, declining revenues, and a weak balance sheet characterized by negative equity. Cash flow issues further exacerbate the financial instability, indicating potential risks.
Income Statement
25
Negative
Senmiao Technology's income statement shows significant challenges, with negative net profit margins and declining revenue growth. The TTM data indicates a gross profit margin of 25.25%, but the net profit margin is deeply negative at -102.56%, reflecting substantial losses. Revenue has decreased by 7.22% in the TTM period, indicating a downward trend. The EBIT and EBITDA margins are also negative, suggesting operational inefficiencies.
Balance Sheet
30
Negative
The balance sheet reveals a concerning financial structure with negative stockholders' equity, resulting in a negative debt-to-equity ratio. The return on equity is positive in the TTM period at 3.65%, but this is due to negative equity. The equity ratio is not directly calculable due to negative equity, indicating financial instability and potential risk.
Cash Flow
35
Negative
Cash flow analysis shows a mixed picture. The operating cash flow to net income ratio is low at 0.10, indicating weak cash generation relative to net income. Free cash flow growth is negative at -67.36% in the TTM period, highlighting cash flow challenges. However, the free cash flow to net income ratio is nearly 1, suggesting that free cash flow is closely aligned with net income, albeit both are negative.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue3.37M3.39M6.81M8.08M4.91M6.16M
Gross Profit793.79K849.80K1.56M1.49M-1.60M191.04K
EBITDA-1.81M-2.17M-3.01M-2.44M-2.39M-7.12M
Net Income-3.22M-3.73M-3.67M-3.11M-5.61M-12.60M
Balance Sheet
Total Assets5.31M5.80M9.86M14.24M19.88M22.30M
Cash, Cash Equivalents and Short-Term Investments867.77K833.58K792.30K1.61M1.19M4.45M
Total Debt197.13K371.05K718.62K991.00K1.11M8.84M
Total Liabilities4.81M5.45M5.57M6.01M7.31M19.73M
Stockholders Equity-2.60M-2.86M894.90K4.39M8.09M5.86M
Cash Flow
Free Cash Flow163.16K498.70K-664.44K-619.66K-12.53M-6.45M
Operating Cash Flow162.20K500.30K7.24K557.84K-9.16M-3.94M
Investing Cash Flow-472.41K-464.78K-569.61K320.53K-3.48M-2.51M
Financing Cash Flow307.46K-123.72K-168.34K-373.83K9.76M10.26M

Senmiao Technology Technical Analysis

Technical Analysis Sentiment
Positive
Last Price3.87
Price Trends
50DMA
2.70
Positive
100DMA
5.73
Negative
200DMA
7.39
Negative
Market Momentum
MACD
-0.07
Negative
RSI
75.06
Negative
STOCH
72.30
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 3.87 is above the 20-day moving average (MA) of 2.29, above the 50-day MA of 2.70, and below the 200-day MA of 7.39, indicating a neutral trend. The MACD of -0.07 indicates Negative momentum. The RSI at 75.06 is Negative, neither overbought nor oversold. The STOCH value of 72.30 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 (64)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
64
Neutral
$10.66B15.608.14%2.00%2.79%-14.82%
62
Neutral
$569.03M27.387.58%-39.95%440.27%
52
Neutral
$17.71M6.900.46%-12.05%-87.87%
45
Neutral
$19.00M-24.95%-50.52%3.90%
44
Neutral
$2.66M-408.12%-42.31%28.22%
39
Underperform
$4.80M-17.86%-26.64%-5.21%
33
Underperform
$15.06M20.04%-34.85%83.43%
* Industrials Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
AIHS
Senmiao Technology
3.87
-8.13
-67.75%
NISN
NiSun International Enterprise Development Group
3.75
-8.16
-68.51%
PT
Pintec Technology Holdings
0.97
-0.06
-5.83%
LMFA
LM Funding America
1.10
-1.40
-56.00%
SUIG
Sui Group Holdings
6.14
3.50
132.58%
SNTG
Sentage Holdings
1.99
-0.08
-3.86%

Senmiao Technology Corporate Events

Delistings and Listing ChangesRegulatory Filings and Compliance
Senmiao Technology Regains Nasdaq Compliance
Positive
Aug 15, 2025

On August 12, 2025, Senmiao Technology Limited announced that it has regained compliance with the Nasdaq Capital Market’s minimum bid price requirement. This compliance was achieved as the company’s stock maintained a closing bid price of at least $1.00 per share for ten consecutive business days from July 29, 2025, to August 11, 2025, resolving a previous issue where the stock price had fallen below the required threshold.

Delistings and Listing ChangesStock SplitRegulatory Filings and Compliance
Senmiao Technology Receives Nasdaq Deficiency Notice
Negative
Aug 1, 2025

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.

Stock Split
Senmiao Technology Announces Reverse Stock Split Plan
Neutral
Jul 24, 2025

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.

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: Sep 04, 2025