AIHS Fundamental Analysis - SENMIAO TECHNOLOGY LTD

Fundamental Rating

AIHS gets a fundamental rating of 1 out of 10. The analysis compared the fundamentals against 55 industry peers in the Consumer Finance industry. AIHS has a bad profitability rating. Also its financial health evaluation is rather negative. AIHS has a expensive valuation and it also scores bad on growth.

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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.

1.2 Ratios

AIHS has a Return On Assets of -60.59%. This is amonst the worse of the industry: AIHS underperforms 98.18% of its industry peers.

		Industry Rank	Sector Rank
ROA	-60.59%
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

AIHS's Gross Margin of 23.56% is on the low side compared to the rest of the industry. AIHS is outperformed by 61.82% of its industry peers.

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.

The number of shares outstanding for AIHS remains at a similar level 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 -13.70, we must say that AIHS is in the distress zone and has some risk of bankruptcy.

Looking at the Altman-Z score, with a value of -13.70, AIHS is doing worse than 74.55% of the companies in the same industry.

AIHS has a debt to FCF ratio of 1.78. This is a very positive value and a sign of high solvency as it would only need 1.78 years to pay back of all of its debts.

With an excellent Debt to FCF ratio value of 1.78, AIHS belongs to the best of the industry, outperforming 87.27% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	N/A
Debt/FCF	1.78
Altman-Z	-13.7

ROIC/WACCN/A

WACC8.58%

2.3 Liquidity

AIHS has a Current Ratio of 0.48. This is a bad value and indicates that AIHS is not financially healthy enough and could expect problems in meeting 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 63.64% of its industry peers.

AIHS has a Quick Ratio of 0.48. This is a bad value and indicates that AIHS is not financially healthy enough and could expect problems in meeting its short term obligations.

AIHS has a Quick ratio of 0.48. This is in the lower half of the industry: AIHS underperforms 63.64% 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 26.77%, 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)26.77%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%75.9%

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

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

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	37.35
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 (11/28/2025, 8:12:12 PM)

After market: 1.3 +0.01 (+0.78%)

1.29

-0.09 (-6.52%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryConsumer Finance

Earnings (Last)11-17 2025-11-17

Earnings (Next)02-12 2026-02-12

Inst Owners2.11%

Inst Owner Change-94.56%

Ins Owners1.01%

Ins Owner ChangeN/A

Market Cap5.88M

Revenue(TTM)3.37M

Net Income(TTM)-3.21M

Analysts0

Price TargetN/A

Short Float %2%

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	1.75
P/FCF	37.35
P/OCF	36.97
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)0.03

FCFY2.68%

OCF(TTM)0.03

OCFY2.7%

SpS0.74

BVpS-0.57

TBVpS-0.65

PEG (NY)N/A

PEG (5Y)N/A

Graham NumberN/A

Profitability

		Industry Rank	Sector Rank
ROA	-60.59%
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	4.67%

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 Rank	Sector Rank
Debt/Equity	N/A
Debt/FCF	1.78
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	-13.7

F-Score6

WACC8.58%

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)26.77%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%75.9%

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 1Y21.19%

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y112.02%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-36.36%

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.

SENMIAO TECHNOLOGY LTD (AIHS) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

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SENMIAO TECHNOLOGY LTD / AIHS FAQ

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

What is the valuation status for AIHS stock?

What is the profitability of AIHS stock?