AIHS Fundamental Analysis - SENMIAO TECHNOLOGY LTD

Fundamental Rating

We assign a fundamental rating of 1 out of 10 to AIHS. AIHS was compared to 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.

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1. Profitability

1.1 Basic Checks

AIHS had negative earnings in the past year.

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.

1.2 Ratios

AIHS has a Return On Assets of -60.62%. This is amonst the worse of the industry: AIHS underperforms 96.36% of its industry peers.

		Industry Rank	Sector 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

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.

In the last couple of years the Gross Margin of AIHS has grown nicely.

The Profit Margin and Operating Margin are not available for AIHS so they could not be analyzed.

		Industry Rank	Sector 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%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

AIHS does not have a ROIC to compare to the WACC, probably because it is not profitable.

AIHS has about the same amout of shares outstanding than it did 1 year ago.

Compared to 5 years ago, AIHS has more shares outstanding

The debt/assets ratio for AIHS is higher compared to a year ago.

2.2 Solvency

Based on the Altman-Z score of -13.99, we must say that AIHS is in the distress zone and has some risk of bankruptcy.

The Altman-Z score of AIHS (-13.99) is worse than 72.73% of its industry peers.

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.

AIHS has a better Debt to FCF ratio (1.74) than 87.27% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	N/A
Debt/FCF	1.74
Altman-Z	-13.99

ROIC/WACCN/A

WACC9.46%

2.3 Liquidity

A Current Ratio of 0.48 indicates that AIHS may have some problems paying its short term obligations.

AIHS's Current ratio of 0.48 is on the low side compared to the rest of the industry. AIHS is outperformed by 65.45% of its industry peers.

A Quick Ratio of 0.48 indicates that AIHS may have some problems paying its short term obligations.

AIHS's Quick ratio of 0.48 is on the low side compared to the rest of the industry. AIHS is outperformed by 65.45% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	0.48
Quick Ratio	0.48

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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.

The Revenue for AIHS has decreased by -39.80% in the past year. This is quite bad

The Revenue for AIHS have been decreasing by -26.37% on average. This is quite bad

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for AIHS. In the last year negative earnings were reported.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of AIHS is on the same level as its industry peers.

		Industry Rank	Sector Rank
P/FCF	13.92
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

No dividends for AIHS!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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SENMIAO TECHNOLOGY LTD

NASDAQ:AIHS (10/10/2025, 9:09:32 PM)

After market: 2.07 +0.04 (+1.97%)

2.03

-0.17 (-7.73%)

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 Cap2.25M

Analysts0

Price TargetN/A

Short Float %2.35%

Short Ratio0.01

Dividend

		Industry Rank	Sector 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 Rank	Sector Rank
PE	N/A
Fwd PE	N/A
P/S	0.67
P/FCF	13.92
P/OCF	13.88
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

FCFY7.19%

OCF(TTM)0.15

OCFY7.2%

SpS3.04

BVpS-2.34

TBVpS-2.66

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector 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

ROICexcg growth 3YN/A

ROICexcg 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 Rank	Sector 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	-13.99

F-Score6

WACC9.46%

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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

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3. Growth

3.1 Past

3.2 Future

3.3 Evolution

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4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

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