Logo image of AIHS

SENMIAO TECHNOLOGY LTD (AIHS) Stock Fundamental Analysis

USA - NASDAQ:AIHS - US8172253036 - Common Stock

1.57 USD
0 (0%)
Last: 10/31/2025, 8:25:57 PM
1.5308 USD
-0.04 (-2.5%)
Pre-Market: 11/3/2025, 8:34:22 AM
Fundamental Rating

1

Overall AIHS gets a fundamental rating of 1 out of 10. We evaluated AIHS against 55 industry peers in the Consumer Finance industry. Both the profitability and financial health of AIHS have multiple concerns. AIHS is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

Quickly go to:

1

1. Profitability

1.1 Basic Checks

In the past year AIHS has reported negative net income.
In the past year AIHS had a positive cash flow from operations.
In the past 5 years AIHS always reported negative net income.
The reported operating cash flow has been mixed in the past 5 years: AIHS reported negative operating cash flow in multiple years.
AIHS Yearly Net Income VS EBIT VS OCF VS FCFAIHS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -2M -4M -6M -8M -10M

1.2 Ratios

The Return On Assets of AIHS (-60.62%) is worse than 96.36% of its industry peers.
Industry RankSector Rank
ROA -60.62%
ROE N/A
ROIC N/A
ROA(3y)-41.09%
ROA(5y)-34.49%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
AIHS Yearly ROA, ROE, ROICAIHS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100 -100 -200 -300 -400

1.3 Margins

With a Gross Margin value of 23.56%, AIHS is not doing good in the industry: 61.82% of the companies in the same industry are doing better.
AIHS's Gross Margin has improved in the last couple of years.
The Profit Margin and Operating Margin are not available for AIHS so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 23.56%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5Y3.04%
AIHS Yearly Profit, Operating, Gross MarginsAIHS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -500 -1K -1.5K -2K

More info and screens

2

2. Health

2.1 Basic Checks

AIHS does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for AIHS remains at a similar level compared to 1 year ago.
The number of shares outstanding for AIHS has been increased compared to 5 years ago.
AIHS has a worse debt/assets ratio than last year.
AIHS Yearly Shares OutstandingAIHS Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200K 400K 600K 800K 1M
AIHS Yearly Total Debt VS Total AssetsAIHS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M

2.2 Solvency

AIHS has an Altman-Z score of -14.05. This is a bad value and indicates that AIHS is not financially healthy and even has some risk of bankruptcy.
With a Altman-Z score value of -14.05, AIHS is not doing good in the industry: 72.73% of the companies in the same industry are doing better.
The Debt to FCF ratio of AIHS is 1.74, which is an excellent value as it means it would take AIHS, only 1.74 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 1.74, AIHS belongs to the best of the industry, outperforming 87.27% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 1.74
Altman-Z -14.05
ROIC/WACCN/A
WACC9.19%
AIHS Yearly LT Debt VS Equity VS FCFAIHS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5M -5M 10M -10M

2.3 Liquidity

A Current Ratio of 0.48 indicates that AIHS may have some problems paying its short term obligations.
With a Current ratio value of 0.48, AIHS is not doing good in the industry: 61.82% of the companies in the same industry are doing better.
A Quick Ratio of 0.48 indicates that AIHS may have some problems paying its short term obligations.
AIHS has a Quick ratio of 0.48. This is in the lower half of the industry: AIHS underperforms 61.82% of its industry peers.
Industry RankSector Rank
Current Ratio 0.48
Quick Ratio 0.48
AIHS Yearly Current Assets VS Current LiabilitesAIHS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M

More info and screens

0

3. Growth

3.1 Past

AIHS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 26.95%, which is quite impressive.
Looking at the last year, AIHS shows a very negative growth in Revenue. The Revenue has decreased by -39.80% in the last year.
AIHS shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -26.37% yearly.
EPS 1Y (TTM)26.95%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%76.28%
Revenue 1Y (TTM)-39.8%
Revenue growth 3Y-11.62%
Revenue growth 5Y-26.37%
Sales Q2Q%-2.16%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
AIHS Yearly Revenue VS EstimatesAIHS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M

More info and screens

1

4. Valuation

4.1 Price/Earnings Ratio

AIHS reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
AIHS Price Earnings VS Forward Price EarningsAIHS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

AIHS's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 10.76
EV/EBITDA N/A
AIHS Per share dataAIHS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 -2

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

0

5. Dividend

5.1 Amount

AIHS does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

More info and screens

SENMIAO TECHNOLOGY LTD

NASDAQ:AIHS (10/31/2025, 8:25:57 PM)

Premarket: 1.5308 -0.04 (-2.5%)

1.57

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)08-19 2025-08-19/bmo
Earnings (Next)11-12 2025-11-12
Inst Owners2.11%
Inst Owner Change0%
Ins Owners1.01%
Ins Owner ChangeN/A
Market Cap1.74M
Revenue(TTM)3.37M
Net Income(TTM)-3216300
Analysts0
Price TargetN/A
Short Float %4.12%
Short Ratio0.01
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.52
P/FCF 10.76
P/OCF 10.74
P/B N/A
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-3.05
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.15
FCFY9.29%
OCF(TTM)0.15
OCFY9.31%
SpS3.04
BVpS-2.34
TBVpS-2.66
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -60.62%
ROE N/A
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 23.56%
FCFM 4.8%
ROA(3y)-41.09%
ROA(5y)-34.49%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5Y3.04%
F-Score6
Asset Turnover0.64
Health
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 1.74
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.48
Quick Ratio 0.48
Altman-Z -14.05
F-Score6
WACC9.19%
ROIC/WACCN/A
Cap/Depr(3y)51.04%
Cap/Depr(5y)227.02%
Cap/Sales(3y)10.07%
Cap/Sales(5y)42.78%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)26.95%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%76.28%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-39.8%
Revenue growth 3Y-11.62%
Revenue growth 5Y-26.37%
Sales Q2Q%-2.16%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y21.35%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y112.36%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-35.08%
OCF growth 3YN/A
OCF growth 5YN/A

SENMIAO TECHNOLOGY LTD / AIHS FAQ

Can you provide the ChartMill fundamental rating for SENMIAO TECHNOLOGY LTD?

ChartMill assigns a fundamental rating of 1 / 10 to AIHS.


What is the valuation status for AIHS stock?

ChartMill assigns a valuation rating of 1 / 10 to SENMIAO TECHNOLOGY LTD (AIHS). This can be considered as Overvalued.


What is the profitability of AIHS stock?

SENMIAO TECHNOLOGY LTD (AIHS) has a profitability rating of 1 / 10.