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SENMIAO TECHNOLOGY LTD (AIHS) Stock Fundamental Analysis

NASDAQ:AIHS - Nasdaq - US8172252046 - Common Stock - Currency: USD

0.29  -0.01 (-3.17%)

After market: 0.2808 -0.01 (-3.17%)

Fundamental Rating

2

Taking everything into account, AIHS scores 2 out of 10 in our fundamental rating. AIHS was compared to 52 industry peers in the Consumer Finance industry. AIHS may be in some trouble as it scores bad on both profitability and health. AIHS is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

AIHS had negative earnings in the past year.
AIHS had a positive operating cash flow in the past year.
In the past 5 years AIHS always reported negative net income.
In multiple years AIHS reported negative operating cash flow during the last 5 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 0 -2M -4M -6M -8M -10M

1.2 Ratios

AIHS has a Return On Assets of -42.22%. This is amonst the worse of the industry: AIHS underperforms 96.15% of its industry peers.
Industry RankSector Rank
ROA -42.22%
ROE N/A
ROIC N/A
ROA(3y)-20.59%
ROA(5y)-32.74%
ROE(3y)-132.56%
ROE(5y)-176.82%
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 -100 -200 -300

1.3 Margins

Looking at the Gross Margin, with a value of 18.68%, AIHS is doing worse than 63.46% of the companies in the same industry.
In the last couple of years the Gross Margin of AIHS has declined.
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 18.68%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y35.86%
GM growth 5Y-4.63%
AIHS Yearly Profit, Operating, Gross MarginsAIHS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -500 -1K -1.5K -2K

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2

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 more shares outstanding than it did 1 year ago.
Compared to 5 years ago, AIHS has more shares outstanding
Compared to 1 year ago, AIHS has a worse debt to assets ratio.
AIHS Yearly Shares OutstandingAIHS Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
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 5M 10M 15M 20M

2.2 Solvency

Based on the Altman-Z score of -9.05, we must say that AIHS is in the distress zone and has some risk of bankruptcy.
AIHS's Altman-Z score of -9.05 is on the low side compared to the rest of the industry. AIHS is outperformed by 75.00% of its industry peers.
AIHS has a debt to FCF ratio of 2.31. This is a good value and a sign of high solvency as AIHS would need 2.31 years to pay back of all of its debts.
The Debt to FCF ratio of AIHS (2.31) is better than 80.77% of its industry peers.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 2.31
Altman-Z -9.05
ROIC/WACCN/A
WACC6.63%
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 0 5M -5M 10M -10M

2.3 Liquidity

A Current Ratio of 0.37 indicates that AIHS may have some problems paying its short term obligations.
AIHS's Current ratio of 0.37 is on the low side compared to the rest of the industry. AIHS is outperformed by 71.15% of its industry peers.
AIHS has a Quick Ratio of 0.37. 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 0.37, AIHS is doing worse than 71.15% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.37
Quick Ratio 0.37
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 5M 10M 15M 20M

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3

3. Growth

3.1 Past

AIHS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 32.49%, which is quite impressive.
The Revenue for AIHS has decreased by -47.65% in the past year. This is quite bad
Measured over the past years, AIHS shows a very strong growth in Revenue. The Revenue has been growing by 21.72% on average per year.
EPS 1Y (TTM)32.49%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%45.7%
Revenue 1Y (TTM)-47.65%
Revenue growth 3Y45.99%
Revenue growth 5Y21.72%
Sales Q2Q%-43.17%

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 5M 10M 15M

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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 11.26
EV/EBITDA N/A
AIHS Per share dataAIHS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.2 -0.2

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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0

5. Dividend

5.1 Amount

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

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SENMIAO TECHNOLOGY LTD

NASDAQ:AIHS (7/1/2025, 9:26:37 PM)

After market: 0.2808 -0.01 (-3.17%)

0.29

-0.01 (-3.17%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)06-23 2025-06-23
Earnings (Next)N/A N/A
Inst Owners0.23%
Inst Owner Change237.17%
Ins Owners1.07%
Ins Owner ChangeN/A
Market Cap3.05M
Analysts0
Price TargetN/A
Short Float %16.35%
Short Ratio0.9
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 0.8
P/FCF 11.26
P/OCF 10.14
P/B N/A
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-0.3
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.03
FCFY8.88%
OCF(TTM)0.03
OCFY9.86%
SpS0.36
BVpS-0.09
TBVpS-0.13
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -42.22%
ROE N/A
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 18.68%
FCFM 7.1%
ROA(3y)-20.59%
ROA(5y)-32.74%
ROE(3y)-132.56%
ROE(5y)-176.82%
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 3Y35.86%
GM growth 5Y-4.63%
F-Score3
Asset Turnover0.48
Health
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 2.31
Debt/EBITDA N/A
Cap/Depr 2.93%
Cap/Sales 0.78%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.37
Quick Ratio 0.37
Altman-Z -9.05
F-Score3
WACC6.63%
ROIC/WACCN/A
Cap/Depr(3y)151.28%
Cap/Depr(5y)420.98%
Cap/Sales(3y)31.03%
Cap/Sales(5y)42.87%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)32.49%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%45.7%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-47.65%
Revenue growth 3Y45.99%
Revenue growth 5Y21.72%
Sales Q2Q%-43.17%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y25.72%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y107.7%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y112.28%
OCF growth 3YN/A
OCF growth 5YN/A