SENMIAO TECHNOLOGY LTD (AIHS)
US8172252046 - Common Stock
AIHS gets a fundamental rating of 1 out of 10. The analysis compared the fundamentals against 51 industry peers in the Consumer Finance industry. AIHS may be in some trouble as it scores bad on both profitability and health. AIHS has a expensive valuation and it also scores bad on growth.
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.
AIHS had negative earnings in each of the past 5 years.
In the past 5 years AIHS reported 4 times negative operating cash flow.
1.2 Ratios
AIHS has a worse Return On Assets (-30.32%) than 86.27% of its industry peers.
The Return On Equity of AIHS (-148.79%) is worse than 90.20% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -30.32% | ||
| ROE | -148.79% | ||
| ROIC | N/A |
ROA(3y)-23.67%
ROA(5y)-32.69%
ROE(3y)-83.2%
ROE(5y)-122.71%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
AIHS's Gross Margin of 26.20% is on the low side compared to the rest of the industry. AIHS is outperformed by 60.78% of its industry peers.
In the last couple of years the Gross Margin of AIHS has declined.
AIHS does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 26.2% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-5.11%
GM growth 5YN/A
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 has been increased compared to 1 year ago.
AIHS has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, AIHS has a worse debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of -4.87, we must say that AIHS is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of AIHS (-4.87) is worse than 72.55% of its industry peers.
AIHS has a Debt/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.
AIHS's Debt to Equity ratio of 0.15 is amongst the best of the industry. AIHS outperforms 84.31% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -4.87 |
ROIC/WACCN/A
WACC7.33%
2.3 Liquidity
A Current Ratio of 0.93 indicates that AIHS may have some problems paying its short term obligations.
With a Current ratio value of 0.93, AIHS perfoms like the industry average, outperforming 45.10% of the companies in the same industry.
AIHS has a Quick Ratio of 0.93. This is a bad value and indicates that AIHS is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 0.93, AIHS is in line with its industry, outperforming 45.10% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.93 | ||
| Quick Ratio | 0.93 |
3. Growth
3.1 Past
The earnings per share for AIHS have decreased strongly by -177.20% in the last year.
AIHS shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 17.67%.
Measured over the past years, AIHS shows a very strong growth in Revenue. The Revenue has been growing by 75.16% on average per year.
EPS 1Y (TTM)-177.2%
EPS 3YN/A
EPS 5YN/A
EPS growth Q2Q23.92%
Revenue 1Y (TTM)17.67%
Revenue growth 3Y-19.79%
Revenue growth 5Y75.16%
Revenue growth Q2Q-6.99%
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.
4. Valuation
4.1 Price/Earnings Ratio
AIHS reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| 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
5. Dividend
5.1 Amount
No dividends for AIHS!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
SENMIAO TECHNOLOGY LTD
NASDAQ:AIHS (5/1/2024, 7:00:00 PM)
After market: 1.01 0 (0%)1.01
+0.13 (+14.19%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap9.67M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -30.32% | ||
| ROE | -148.79% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 26.2% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.6
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 0.93 | ||
| Quick Ratio | 0.93 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-177.2%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)17.67%
Revenue growth 3Y-19.79%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y