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Senmiao Technology (AIHS)
:AIHS
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Senmiao Technology
(NASDAQ:AIHS)
37Underperform
Senmiao Technology (AIHS) vs. S&P 500 (SPY)
Market Cap
$9.36M
Dividend YieldN/A
Average Volume (3M)11.60K
Price to Earnings (P/E)―
Beta (1Y)-0.18
Revenue Growth-44.34%
EPS Growth27.19%
CountryUS
Employees55
SectorFinancial
Sector Strength82
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)-0.33
Shares Outstanding10,518,040
10 Day Avg. Volume17,542
30 Day Avg. Volume11,600
Financial Highlights & Ratios
PEG RatioN/A
Price to Book (P/B)N/A
Price to Sales (P/S)2.07
Price to Cash Flow (P/CF)6.60
P/FCF Ratio6.60
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
Senmiao Technology Business Overview & Revenue Model
Company DescriptionSenmiao Technology Limited (AIHS) operates primarily in the fintech and automobile sectors. The company provides various services, including automobile transaction and related services, online ride-hailing services, and financing solutions. Its core offerings are designed to cater to the growing demands of China's rapidly developing urban mobility and financial technology markets.
How the Company Makes MoneySenmiao Technology makes money through multiple revenue streams. A significant portion of its income is derived from automobile transaction services, which include facilitation of sales and leasing of vehicles, as well as after-sales services. Additionally, the company generates revenue through its online ride-hailing platform, where it provides services to drivers and passengers, earning commissions on each transaction. Financing solutions also contribute to its earnings, as Senmiao offers financial leasing and other related services. The company may also benefit from strategic partnerships with banks, financial institutions, and automotive companies, which enhance its service offerings and market reach.
Senmiao Technology Financial Statement Overview
Summary
Senmiao Technology is facing significant financial difficulties with declining revenues, poor profitability, and high leverage. The negative equity and persistent losses pose substantial risks to financial stability. While there are some improvements in operating cash flow, the overall financial health remains weak, necessitating strategic changes to improve performance.Income Statement
Senmiao Technology has experienced declining revenues and persistent losses. The gross profit margin is relatively low, and net profit margins are negative, indicating significant profitability challenges. While there was a revenue decline in the most recent TTM period, the EBIT and EBITDA margins remain negative, reflecting ongoing operational inefficiencies.30
Negative
Balance Sheet
The company's balance sheet shows high leverage with a negative stockholders' equity, suggesting financial instability and potential solvency risks. The debt-to-equity ratio is not calculable due to negative equity, and the equity ratio is also negative, indicating that liabilities exceed assets significantly.20
Very Negative
Cash Flow
Operating cash flow has improved in the most recent TTM, but free cash flow remains weak. The company has managed to generate positive operating cash flow relative to net income, but the free cash flow to net income ratio is concerning due to negative net income. Free cash flow growth has been erratic, showing some improvement but still negative overall.40
Negative
| Breakdown | |||||
| TTM | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 |
|---|---|---|---|---|---|
| Income Statement | Total Revenue | ||||
| 4.06M | 6.81M | 8.08M | 4.91M | 6.16M | 15.66M | Gross Profit |
| 780.77K | 1.56M | 1.49M | -1.60M | 191.04K | 3.38M | EBIT |
| -3.89M | -4.72M | -6.14M | -11.56M | -10.08M | -2.19M | EBITDA |
| -2.07M | -3.01M | -2.44M | -2.39M | -7.12M | -2.61M | Net Income Common Stockholders |
| -3.33M | -3.67M | -3.11M | -5.61M | -12.60M | -4.35M |
| Balance Sheet | Cash, Cash Equivalents and Short-Term Investments | ||||
| 85.20K | 792.30K | 1.61M | 1.19M | 4.45M | 833.89K | Total Assets |
| 10.05M | 9.86M | 14.24M | 19.88M | 22.30M | 15.63M | Total Debt |
| 688.15K | 718.62K | 991.00K | 1.11M | 8.84M | 7.03M | Net Debt |
| 602.95K | -73.68K | -619.09K | -77.98K | 4.40M | 6.19M | Total Liabilities |
| 894.31K | 5.57M | 6.01M | 7.31M | 19.73M | 14.16M | Stockholders Equity |
| 9.16M | 894.90K | 4.39M | 8.09M | 5.86M | 2.80M |
| Cash Flow | Free Cash Flow | ||||
| 341.12K | -664.44K | -619.66K | -12.53M | -6.45M | -7.41M | Operating Cash Flow |
| 377.58K | 7.24K | 557.84K | -9.16M | -3.94M | -6.45M | Investing Cash Flow |
| -482.11K | -569.61K | 320.53K | -3.48M | -2.51M | -963.42K | Financing Cash Flow |
| 6.59K | -168.34K | -373.83K | 9.76M | 10.26M | 3.43M |
Senmiao Technology Technical Analysis
Neutral
0.90
Price Trends
0.89
Positive
0.91
Negative
0.96
Negative
Market Momentum
<0.01
Negative
50.91
Neutral
21.48
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AIHS, the sentiment is Neutral. The current price of 0.9 is above the 20-day moving average (MA) of 0.88, above the 50-day MA of 0.89, and below the 200-day MA of 0.96, indicating a neutral trend. The MACD of <0.01 indicates Negative momentum. The RSI at 50.91 is Neutral, neither overbought nor oversold. The STOCH value of 21.48 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for AIHS.
Senmiao Technology Risk Analysis
Senmiao Technology disclosed 78 risk factors in its most recent earnings report. Senmiao Technology reported the most risks in the “Finance & Corporate” category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Senmiao Technology Peers Comparison
Overall Rating
UnderperformOutperform
Sector (63)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
64 Neutral | $12.75B | 31.17 | 8.26% | ― | 29.33% | ― | |
63 Neutral | $14.35B | 9.94 | 8.94% | 4.37% | 16.34% | -11.76% | |
60 Neutral | $673.30M | ― | -35.80% | ― | 33.86% | 66.85% | |
53 Neutral | $1.17B | 22.69 | 3.96% | ― | 3.63% | 27.77% | |
51 Neutral | $4.43B | ― | -20.27% | ― | 24.50% | 49.38% | |
49 Neutral | $4.91B | ― | -7.98% | ― | 11.50% | 42.50% | |
37 Underperform | $9.36M | ― | -408.12% | ― | -44.34% | 27.19% |
* Financial Sector Average
Performance Comparison
AIHS
Senmiao Technology
0.90
0.00
0.00%
TREE
Lendingtree
52.76
13.09
33.00%
QTWO
Q2 Holdings
81.47
30.83
60.88%
LC
LendingClub
10.51
1.81
20.80%
UPST
Upstart Holdings
46.00
20.26
78.71%
SOFI
SoFi Technologies
11.91
4.71
65.42%
Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.