Senmiao Technology Limited (AIHS) 10-Year Financial Performance & Capital Metrics

AIHS • • Banking & Credit

Financial ServicesCredit ServicesAuto and Specialty Asset Finance

AboutSenmiao Technology Limited engages in the automobile transaction and related services business in the People's Republic of China. The company offers car rental services to individual customers; and auto finance solutions through financing leases. It also engages in automobile sales; the facilitation of automobile transaction and financing; and the provision of supporting services provided to online ride-hailing drivers, as well as management and guarantee services. The company was founded in 2014 and is headquartered in Chengdu, the People's Republic of China.Show more

Net Interest Income -$15K +48.9%
Total Revenue $3M -21.5%
Net Income -$4M -1.5%
Return on Equity -169.25% -183.3%
Net Interest Margin -0.26% +13.1%
Efficiency Ratio 139.19% +13.4%
ROA -47.57% -56.2%
Equity / Assets 6% -85.4%
Book Value per Share 0.33 -92.8%
Tangible BV/Share -0.03 -100.6%
Debt/Equity 1.07 +649.7%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Diversified revenue: 100.0% from non-interest income

✗Weaknesses

✗Weak NIM of -0.3%
✗High cost structure: 139.2% efficiency ratio
✗Shares diluted 18.7% in last year
✗Trading more than 30% below 52-week high

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y-

5Y-26.37%

3Y-11.64%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM-8.83%

EPS CAGR

10Y-

5Y-

3Y-

TTM-622.41%

ROCE

10Y Avg-69.72%

5Y Avg-102.05%

3Y Avg-90.02%

Latest-151.64%

Peer Comparison

Auto and Specialty Asset Finance

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
ANTAAntalpha Platform Holding Company	207.89M	8.78	46.21	320.96%	9.26%	3.6%		8.84
CACCCredit Acceptance Corporation	5.22B	473.18	23.80	13.54%	11.62%	28.75%	21.75%	3.63
IXORIX Corporation	39.31B	35.55	18.07	2.15%	12.23%	9.73%	19.23%	1.51
ALLYAlly Financial Inc.	12.17B	39.44	16.64	-25.75%	7.01%	5.5%		1.40
CPSSConsumer Portfolio Services, Inc.	179.36M	8.10	10.25	11.79%	4.88%	6.34%	100%	10.78
MFINMedallion Financial Corp.	298.26M	10.09	6.64	14.65%	12.3%	8.96%	38.73%	0.66
LPROOpen Lending Corporation	157.17M	1.33	-1.18	-79.55%	-5.62%	-206.46%	11.09%	1.84
AIHSSenmiao Technology Limited	13.67M	1.30	-3.94	-21.55%	-109.92%	-96.63%	3.65%	1.07

Profit & Loss

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Net Interest Income+	1	30	0	-33.88K	-470.03K	-46.52K	-61.74K	-25.68K	-29.61K	-15.14K
NII Growth %	-	2900%	-100%	-	-1287.42%	90.1%	-32.72%	58.41%	-15.34%	48.86%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	1	30	0	0	0	0	0	0	0	0
Interest Expense	0	0	0	33.88K	470.03K	46.52K	61.74K	25.68K	29.61K	15.14K
Loan Loss Provision	0	0	0	1.78M	11.81M	1.94M	6.94M	6.56M	3.37M	2.52M
Non-Interest Income+	-1	73.21K	494.9K	2.55M	15.66M	2.19M	4.91M	8.08M	4.32M	3.39M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	0	73.24K	494.9K	2.55M	15.66M	2.19M	4.91M	8.08M	4.32M	3.39M
Revenue Growth %	-	-	575.75%	415.48%	513.68%	-86.02%	124.46%	64.51%	-46.55%	-21.55%
Non-Interest Expense	18.72K	583.48K	10.36M	1.78M	8.97M	6.22M	9.47M	7.63M	5.3M	4.72M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	-18.72K	-510.25K	-9.86M	-1.04M	-5.6M	-6.01M	-11.56M	-6.14M	-4.38M	-3.87M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-	-2625.09%	-1832.77%	89.43%	-436.7%	-7.41%	-92.33%	46.89%	28.75%	11.61%
Pretax Income+	-18.72K	-509.77K	-9.86M	-1.13M	-4.32M	-7.47M	-5.6M	-3.79M	-3.83M	-3.47M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	0	0	0	21.91K	33.18K	8.33K	4.57K	0	20.21K	0
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	-16.05K	-587.88K	-9.86M	-4.55M	-8.67M	-10.36M	-536.62K	-3.11M	-3.67M	-3.73M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-	-3561.9%	-1577.03%	53.85%	-90.63%	-19.45%	94.82%	-480.25%	-17.83%	-1.54%
Net Income (Continuing)	-18.72K	-509.77K	-9.86M	-1.16M	-4.35M	-7.48M	-5.61M	-3.79M	-3.85M	-3.47M
EPS (Diluted)+	-0.01	-0.23	-11.93	-1.76	-1.55	-3.20	-0.98	-0.43	-0.41	-0.33
EPS Growth %	-	-	-5086.96%	85.25%	11.93%	-106.45%	69.38%	56.12%	4.65%	19.51%
EPS (Basic)	-0.01	-0.23	-11.93	-1.76	-1.55	-3.20	-0.98	-0.43	-0.41	-0.33
Diluted Shares Outstanding	255K	255K	219.68K	258.82K	280.24K	394.31K	572.7K	719.58K	886.32K	1.05M

Balance Sheet

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash & Short Term Investments+	165	161.29K	11.14M	3.97M	833.89K	4.34M	1.19M	1.61M	737.72K	833.58K
Cash & Due from Banks	165	161.29K	11.14M	3.97M	833.89K	4.34M	1.19M	1.61M	737.72K	833.58K
Short Term Investments	0	0	0	0	0	0	0	0	0	0
Total Investments+	0	0	0	0	0	0	-19.88M	-14.24M	0	0
Investments Growth %	-	-	-	-	-	-	-	28.37%	100%	-
Long-Term Investments	0	0	0	0	0	0	-19.88M	-14.24M	0	0
Accounts Receivables	1.55M	8.65K	2.72K	2.89M	2.05M	502.03K	656.44K	210.24K	2.04K	11.99K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	0	5.63M	0	0	0	135.39K	0	0	0	0
Intangible Assets	0	4.24M	1.95M	296.09K	777.62K	968.13K	959.55K	774.32K	450.03K	375K
PP&E (Net)	0	4.65K	8.87K	125.89K	6.62M	4.64M	6.59M	4.18M	3.14M	1.78M
Other Assets	-21.51M	0	1.2M	493K	1.63M	5.66M	6.73M	4.43M	3.62M	1.41M
Total Current Assets	21.51M	180.77K	11.21M	11.4M	6.61M	10.89M	5.6M	4.85M	2.65M	2.24M
Total Non-Current Assets	21.51M	9.87M	3.16M	914.98K	9.02M	11.41M	14.28M	9.38M	7.21M	3.56M
Total Assets+	21.51M	10.05M	14.37M	12.31M	15.63M	22.3M	19.88M	14.24M	9.86M	5.8M
Asset Growth %	-	-53.26%	42.96%	-14.33%	26.93%	42.69%	-10.87%	-28.37%	-30.74%	-41.18%
Return on Assets (ROA)	-0.07%	-3.72%	-80.72%	-34.1%	-62.07%	-54.62%	-2.54%	-18.25%	-30.45%	-47.57%
Accounts Payable	0	19.01K	0	157.38K	377.09K	44.77K	14.45K	183.65K	106.17K	173.19K
Total Debt+	19.96M	0	0	873.71K	7.03M	1.6M	1.11M	991K	576.16K	371.05K
Net Debt	19.96M	-161.29K	-11.14M	-3.09M	6.19M	-2.75M	-77.98K	-619.09K	-161.55K	-462.53K
Long-Term Debt	0	0	0	177.79K	64.22K	44.96K	0	513.8K	71.23K	0
Short-Term Debt	0	0	0	695.92K	226.75K	182.28K	155.44K	17.48K	12.35K	414
Other Liabilities	-4.49M	0	0	0	0	2.21M	820.8K	-244.41K	234.36K	234.36K
Total Current Liabilities	4.49M	424.02K	1.5M	3.75M	11.13M	16.78M	6.17M	5.18M	5.34M	5.22M
Total Non-Current Liabilities	2.94M	0	0	177.79K	3.03M	2.95M	1.14M	826.11K	464.27K	234.36K
Total Liabilities	4.49M	424.02K	1.5M	3.93M	14.16M	19.73M	7.31M	6.01M	5.81M	5.45M
Total Equity+	17.02M	9.63M	12.88M	8.38M	1.47M	2.57M	12.57M	8.23M	4.05M	348.26K
Equity Growth %	-	-43.42%	33.73%	-34.91%	-82.44%	74.72%	388.58%	-34.54%	-50.73%	-91.41%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	-0.09%	-4.41%	-87.6%	-42.8%	-176.02%	-512.25%	-7.09%	-29.94%	-59.75%	-169.25%
Book Value per Share	66.75	37.77	58.63	32.39	5.25	6.52	21.95	11.43	4.57	0.33
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	2.02K	2.02K	2.59K	2.6K	2.9K	498	630	773	1.05K	1.05K
Additional Paid-in Capital	11.36M	11.36M	23.61M	23.83M	27.01M	40.76M	42.8M	43.36M	43.95M	43.95M
Retained Earnings	-34.81K	-622.7K	-10.48M	-15.03M	-23.7M	-34.06M	-34.6M	-37.72M	-41.38M	-45.11M
Accumulated OCI	-506.14K	-1.11M	-253.76K	-428.77K	-507.48K	-838.67K	-109.45K	-1.25M	-1.67M	-1.7M
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	820.8K	0	0	0

Cash Flow

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operations+	-241	1.32M	-775.3K	-6.26M	-6.45M	-3.94M	-9.16M	557.84K	7.24K	500.3K
Operating CF Growth %	-	549663.9%	-158.54%	-706.94%	-3.06%	38.95%	-132.7%	106.09%	-98.7%	6809.31%
Net Income	-18.72K	-509.77K	-9.86M	-4.54M	-4.35M	-12.6M	-5.61M	-3.79M	-4.61M	-3.89M
Depreciation & Amortization	0	325.67K	663.14K	330.89K	1.66M	4.68M	2.07M	1.99M	1.4M	1.28M
Deferred Taxes	0	0	0	-44.2K	0	0	0	0	-29.22K	0
Other Non-Cash Items	0	-793	8.18M	1.23M	-235.17K	96.08K	-5.81M	-673.44K	1.95M	2.06M
Working Capital Changes	18.48K	1.51M	241.15K	-3.27M	-3.65M	3.44M	-464.7K	3.03M	857.58K	1.06M
Cash from Investing+	0	-1.25M	-2.99K	-532.63K	-963.42K	-2.51M	-3.48M	320.53K	-569.61K	-464.78K
Purchase of Investments	0	0	0	0	0	0	0	0	0	0
Sale/Maturity of Investments	0	0	0	0	0	0	0	0	0	0
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	-1.18M	0	0	0	8.06K	0	0	0	-143.59K
Other Investing	0	-59.43K	0	-32.2K	1.82K	-2.28K	-253.13K	1.47M	102.07K	-319.59K
Cash from Financing+	0	341.74K	11.74M	701.21K	3.43M	10.26M	9.76M	-373.83K	-168.34K	-123.72K
Dividends Paid	0	0	0	0	0	0	0	0	0	0
Share Repurchases	0	0	-105.63K	-1.9M	0	0	0	0	0	0
Stock Issued	0	341.74K	10.43M	0	5.14M	11.01M	5.77M	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	0	341.74K	0	296.03K	239.32K	-1000K	-289.83K	-517.99K	-223.89K	-56.28K
Other Financing	0	-341.74K	1.41M	2.31M	-1.95M	1.59M	-95.75K	144.15K	55.55K	-67.44K
Net Change in Cash+	-258	161.13K	10.98M	-6.12M	-4.18M	3.6M	-3.26M	424.87K	-815.45K	38.94K
Exchange Rate Effect	-17	-259.04K	18.84K	-33.41K	-197.2K	-208.8K	-381.86K	-79.66K	-84.75K	127.14K
Cash at Beginning	423	165	161.29K	11.14M	5.02M	844.03K	4.45M	1.19M	1.61M	794.64K
Cash at End	165	161.29K	11.14M	5.02M	844.03K	4.45M	1.19M	1.61M	794.64K	833.58K
Interest Paid	0	0	0	0	0	0	5.89K	0	525	0
Income Taxes Paid	0	0	0	0	0	0	0	0	39	0
Free Cash Flow+	-241	1.26M	-778.29K	-6.76M	-7.41M	-6.45M	-12.53M	-619.66K	-664.44K	498.7K
FCF Growth %	-	524183.82%	-161.62%	-768.13%	-9.71%	12.95%	-94.1%	95.05%	-7.23%	175.06%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	-0.09%	-4.41%	-87.6%	-42.8%	-176.02%	-512.25%	-7.09%	-29.94%	-59.75%	-169.25%
Return on Assets (ROA)	-0.07%	-3.72%	-80.72%	-34.1%	-62.07%	-54.62%	-2.54%	-18.25%	-30.45%	-47.57%
Net Interest Margin	0%	0%	0%	-0.28%	-3.01%	-0.21%	-0.31%	-0.18%	-0.3%	-0.26%
Efficiency Ratio	-	796.7%	2092.71%	69.84%	57.31%	283.99%	192.83%	94.44%	122.69%	139.19%
Equity / Assets	79.13%	95.78%	89.6%	68.07%	9.42%	11.53%	63.23%	57.78%	41.11%	6%
Book Value / Share	66.75	37.77	58.63	32.39	5.25	6.52	21.95	11.43	4.57	0.33
NII Growth	-	2900%	-100%	-	-1287.42%	90.1%	-32.72%	58.41%	-15.34%	48.86%

US Stock Screener

...

Senmiao Technology Limited (AIHS) 10-Year Financial Performance & Capital Metrics

AIHS • • Banking & Credit

Financial ServicesCredit ServicesAuto and Specialty Asset Finance

Net Interest Income -$15K +48.9%
Total Revenue $3M -21.5%
Net Income -$4M -1.5%
Return on Equity -169.25% -183.3%
Net Interest Margin -0.26% +13.1%
Efficiency Ratio 139.19% +13.4%
ROA -47.57% -56.2%
Equity / Assets 6% -85.4%
Book Value per Share 0.33 -92.8%
Tangible BV/Share -0.03 -100.6%
Debt/Equity 1.07 +649.7%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Diversified revenue: 100.0% from non-interest income

✗Weaknesses

✗Weak NIM of -0.3%
✗High cost structure: 139.2% efficiency ratio
✗Shares diluted 18.7% in last year
✗Trading more than 30% below 52-week high

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y-

5Y-26.37%

3Y-11.64%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM-8.83%

EPS CAGR

10Y-

5Y-

3Y-

TTM-622.41%

ROCE

10Y Avg-69.72%

5Y Avg-102.05%

3Y Avg-90.02%

Latest-151.64%

Peer Comparison

Auto and Specialty Asset Finance

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
ANTAAntalpha Platform Holding Company	207.89M	8.78	46.21	320.96%	9.26%	3.6%		8.84
CACCCredit Acceptance Corporation	5.22B	473.18	23.80	13.54%	11.62%	28.75%	21.75%	3.63
IXORIX Corporation	39.31B	35.55	18.07	2.15%	12.23%	9.73%	19.23%	1.51
ALLYAlly Financial Inc.	12.17B	39.44	16.64	-25.75%	7.01%	5.5%		1.40
CPSSConsumer Portfolio Services, Inc.	179.36M	8.10	10.25	11.79%	4.88%	6.34%	100%	10.78
MFINMedallion Financial Corp.	298.26M	10.09	6.64	14.65%	12.3%	8.96%	38.73%	0.66
LPROOpen Lending Corporation	157.17M	1.33	-1.18	-79.55%	-5.62%	-206.46%	11.09%	1.84
AIHSSenmiao Technology Limited	13.67M	1.30	-3.94	-21.55%	-109.92%	-96.63%	3.65%	1.07

Profit & Loss

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Net Interest Income+	1	30	0	-33.88K	-470.03K	-46.52K	-61.74K	-25.68K	-29.61K	-15.14K
NII Growth %	-	2900%	-100%	-	-1287.42%	90.1%	-32.72%	58.41%	-15.34%	48.86%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	1	30	0	0	0	0	0	0	0	0
Interest Expense	0	0	0	33.88K	470.03K	46.52K	61.74K	25.68K	29.61K	15.14K
Loan Loss Provision	0	0	0	1.78M	11.81M	1.94M	6.94M	6.56M	3.37M	2.52M
Non-Interest Income+	-1	73.21K	494.9K	2.55M	15.66M	2.19M	4.91M	8.08M	4.32M	3.39M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	0	73.24K	494.9K	2.55M	15.66M	2.19M	4.91M	8.08M	4.32M	3.39M
Revenue Growth %	-	-	575.75%	415.48%	513.68%	-86.02%	124.46%	64.51%	-46.55%	-21.55%
Non-Interest Expense	18.72K	583.48K	10.36M	1.78M	8.97M	6.22M	9.47M	7.63M	5.3M	4.72M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	-18.72K	-510.25K	-9.86M	-1.04M	-5.6M	-6.01M	-11.56M	-6.14M	-4.38M	-3.87M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-	-2625.09%	-1832.77%	89.43%	-436.7%	-7.41%	-92.33%	46.89%	28.75%	11.61%
Pretax Income+	-18.72K	-509.77K	-9.86M	-1.13M	-4.32M	-7.47M	-5.6M	-3.79M	-3.83M	-3.47M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	0	0	0	21.91K	33.18K	8.33K	4.57K	0	20.21K	0
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	-16.05K	-587.88K	-9.86M	-4.55M	-8.67M	-10.36M	-536.62K	-3.11M	-3.67M	-3.73M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-	-3561.9%	-1577.03%	53.85%	-90.63%	-19.45%	94.82%	-480.25%	-17.83%	-1.54%
Net Income (Continuing)	-18.72K	-509.77K	-9.86M	-1.16M	-4.35M	-7.48M	-5.61M	-3.79M	-3.85M	-3.47M
EPS (Diluted)+	-0.01	-0.23	-11.93	-1.76	-1.55	-3.20	-0.98	-0.43	-0.41	-0.33
EPS Growth %	-	-	-5086.96%	85.25%	11.93%	-106.45%	69.38%	56.12%	4.65%	19.51%
EPS (Basic)	-0.01	-0.23	-11.93	-1.76	-1.55	-3.20	-0.98	-0.43	-0.41	-0.33
Diluted Shares Outstanding	255K	255K	219.68K	258.82K	280.24K	394.31K	572.7K	719.58K	886.32K	1.05M

Balance Sheet

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash & Short Term Investments+	165	161.29K	11.14M	3.97M	833.89K	4.34M	1.19M	1.61M	737.72K	833.58K
Cash & Due from Banks	165	161.29K	11.14M	3.97M	833.89K	4.34M	1.19M	1.61M	737.72K	833.58K
Short Term Investments	0	0	0	0	0	0	0	0	0	0
Total Investments+	0	0	0	0	0	0	-19.88M	-14.24M	0	0
Investments Growth %	-	-	-	-	-	-	-	28.37%	100%	-
Long-Term Investments	0	0	0	0	0	0	-19.88M	-14.24M	0	0
Accounts Receivables	1.55M	8.65K	2.72K	2.89M	2.05M	502.03K	656.44K	210.24K	2.04K	11.99K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	0	5.63M	0	0	0	135.39K	0	0	0	0
Intangible Assets	0	4.24M	1.95M	296.09K	777.62K	968.13K	959.55K	774.32K	450.03K	375K
PP&E (Net)	0	4.65K	8.87K	125.89K	6.62M	4.64M	6.59M	4.18M	3.14M	1.78M
Other Assets	-21.51M	0	1.2M	493K	1.63M	5.66M	6.73M	4.43M	3.62M	1.41M
Total Current Assets	21.51M	180.77K	11.21M	11.4M	6.61M	10.89M	5.6M	4.85M	2.65M	2.24M
Total Non-Current Assets	21.51M	9.87M	3.16M	914.98K	9.02M	11.41M	14.28M	9.38M	7.21M	3.56M
Total Assets+	21.51M	10.05M	14.37M	12.31M	15.63M	22.3M	19.88M	14.24M	9.86M	5.8M
Asset Growth %	-	-53.26%	42.96%	-14.33%	26.93%	42.69%	-10.87%	-28.37%	-30.74%	-41.18%
Return on Assets (ROA)	-0.07%	-3.72%	-80.72%	-34.1%	-62.07%	-54.62%	-2.54%	-18.25%	-30.45%	-47.57%
Accounts Payable	0	19.01K	0	157.38K	377.09K	44.77K	14.45K	183.65K	106.17K	173.19K
Total Debt+	19.96M	0	0	873.71K	7.03M	1.6M	1.11M	991K	576.16K	371.05K
Net Debt	19.96M	-161.29K	-11.14M	-3.09M	6.19M	-2.75M	-77.98K	-619.09K	-161.55K	-462.53K
Long-Term Debt	0	0	0	177.79K	64.22K	44.96K	0	513.8K	71.23K	0
Short-Term Debt	0	0	0	695.92K	226.75K	182.28K	155.44K	17.48K	12.35K	414
Other Liabilities	-4.49M	0	0	0	0	2.21M	820.8K	-244.41K	234.36K	234.36K
Total Current Liabilities	4.49M	424.02K	1.5M	3.75M	11.13M	16.78M	6.17M	5.18M	5.34M	5.22M
Total Non-Current Liabilities	2.94M	0	0	177.79K	3.03M	2.95M	1.14M	826.11K	464.27K	234.36K
Total Liabilities	4.49M	424.02K	1.5M	3.93M	14.16M	19.73M	7.31M	6.01M	5.81M	5.45M
Total Equity+	17.02M	9.63M	12.88M	8.38M	1.47M	2.57M	12.57M	8.23M	4.05M	348.26K
Equity Growth %	-	-43.42%	33.73%	-34.91%	-82.44%	74.72%	388.58%	-34.54%	-50.73%	-91.41%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	-0.09%	-4.41%	-87.6%	-42.8%	-176.02%	-512.25%	-7.09%	-29.94%	-59.75%	-169.25%
Book Value per Share	66.75	37.77	58.63	32.39	5.25	6.52	21.95	11.43	4.57	0.33
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	2.02K	2.02K	2.59K	2.6K	2.9K	498	630	773	1.05K	1.05K
Additional Paid-in Capital	11.36M	11.36M	23.61M	23.83M	27.01M	40.76M	42.8M	43.36M	43.95M	43.95M
Retained Earnings	-34.81K	-622.7K	-10.48M	-15.03M	-23.7M	-34.06M	-34.6M	-37.72M	-41.38M	-45.11M
Accumulated OCI	-506.14K	-1.11M	-253.76K	-428.77K	-507.48K	-838.67K	-109.45K	-1.25M	-1.67M	-1.7M
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	820.8K	0	0	0

Cash Flow

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operations+	-241	1.32M	-775.3K	-6.26M	-6.45M	-3.94M	-9.16M	557.84K	7.24K	500.3K
Operating CF Growth %	-	549663.9%	-158.54%	-706.94%	-3.06%	38.95%	-132.7%	106.09%	-98.7%	6809.31%
Net Income	-18.72K	-509.77K	-9.86M	-4.54M	-4.35M	-12.6M	-5.61M	-3.79M	-4.61M	-3.89M
Depreciation & Amortization	0	325.67K	663.14K	330.89K	1.66M	4.68M	2.07M	1.99M	1.4M	1.28M
Deferred Taxes	0	0	0	-44.2K	0	0	0	0	-29.22K	0
Other Non-Cash Items	0	-793	8.18M	1.23M	-235.17K	96.08K	-5.81M	-673.44K	1.95M	2.06M
Working Capital Changes	18.48K	1.51M	241.15K	-3.27M	-3.65M	3.44M	-464.7K	3.03M	857.58K	1.06M
Cash from Investing+	0	-1.25M	-2.99K	-532.63K	-963.42K	-2.51M	-3.48M	320.53K	-569.61K	-464.78K
Purchase of Investments	0	0	0	0	0	0	0	0	0	0
Sale/Maturity of Investments	0	0	0	0	0	0	0	0	0	0
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	-1.18M	0	0	0	8.06K	0	0	0	-143.59K
Other Investing	0	-59.43K	0	-32.2K	1.82K	-2.28K	-253.13K	1.47M	102.07K	-319.59K
Cash from Financing+	0	341.74K	11.74M	701.21K	3.43M	10.26M	9.76M	-373.83K	-168.34K	-123.72K
Dividends Paid	0	0	0	0	0	0	0	0	0	0
Share Repurchases	0	0	-105.63K	-1.9M	0	0	0	0	0	0
Stock Issued	0	341.74K	10.43M	0	5.14M	11.01M	5.77M	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	0	341.74K	0	296.03K	239.32K	-1000K	-289.83K	-517.99K	-223.89K	-56.28K
Other Financing	0	-341.74K	1.41M	2.31M	-1.95M	1.59M	-95.75K	144.15K	55.55K	-67.44K
Net Change in Cash+	-258	161.13K	10.98M	-6.12M	-4.18M	3.6M	-3.26M	424.87K	-815.45K	38.94K
Exchange Rate Effect	-17	-259.04K	18.84K	-33.41K	-197.2K	-208.8K	-381.86K	-79.66K	-84.75K	127.14K
Cash at Beginning	423	165	161.29K	11.14M	5.02M	844.03K	4.45M	1.19M	1.61M	794.64K
Cash at End	165	161.29K	11.14M	5.02M	844.03K	4.45M	1.19M	1.61M	794.64K	833.58K
Interest Paid	0	0	0	0	0	0	5.89K	0	525	0
Income Taxes Paid	0	0	0	0	0	0	0	0	39	0
Free Cash Flow+	-241	1.26M	-778.29K	-6.76M	-7.41M	-6.45M	-12.53M	-619.66K	-664.44K	498.7K
FCF Growth %	-	524183.82%	-161.62%	-768.13%	-9.71%	12.95%	-94.1%	95.05%	-7.23%	175.06%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	-0.09%	-4.41%	-87.6%	-42.8%	-176.02%	-512.25%	-7.09%	-29.94%	-59.75%	-169.25%
Return on Assets (ROA)	-0.07%	-3.72%	-80.72%	-34.1%	-62.07%	-54.62%	-2.54%	-18.25%	-30.45%	-47.57%
Net Interest Margin	0%	0%	0%	-0.28%	-3.01%	-0.21%	-0.31%	-0.18%	-0.3%	-0.26%
Efficiency Ratio	-	796.7%	2092.71%	69.84%	57.31%	283.99%	192.83%	94.44%	122.69%	139.19%
Equity / Assets	79.13%	95.78%	89.6%	68.07%	9.42%	11.53%	63.23%	57.78%	41.11%	6%
Book Value / Share	66.75	37.77	58.63	32.39	5.25	6.52	21.95	11.43	4.57	0.33
NII Growth	-	2900%	-100%	-	-1287.42%	90.1%	-32.72%	58.41%	-15.34%	48.86%

Senmiao Technology Limited (AIHS) 10-Year Financial Performance & Capital Metrics

Key Insights

✓Strengths

✗Weaknesses

Price & Volume

Growth Metrics

Revenue CAGR

Profit (Net Income) CAGR

EPS CAGR

ROCE

Peer Comparison

Compare AIHS vs Peers

vs IX

vs ALLY

Compare Top 5

Profit & Loss

Balance Sheet

Cash Flow

Banking Ratios

Deep Dive Analysis

Valuation Overview

Total Return Calculator

Dividend History

Earnings History

Price History

Revenue History

Financial Ratios

Senmiao Technology Limited (AIHS) 10-Year Financial Performance & Capital Metrics

Key Insights

✓Strengths

✗Weaknesses

Price & Volume

Growth Metrics

Revenue CAGR

Profit (Net Income) CAGR

EPS CAGR

ROCE

Peer Comparison

Compare AIHS vs Peers

vs IX

vs ALLY

Compare Top 5

Profit & Loss

Balance Sheet

Cash Flow

Banking Ratios

Deep Dive Analysis

Valuation Overview

Total Return Calculator

Dividend History

Earnings History

Price History

Revenue History

Financial Ratios