| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| CACCCredit Acceptance Corporation | 5.22B | 473.49 | 23.82 | 13.54% | 11.62% | 28.75% | 21.75% | 3.63 |
| CPSSConsumer Portfolio Services, Inc. | 201.73M | 9.14 | 11.57 | 11.79% | 4.88% | 6.34% | 100% | 10.78 |
| LPROOpen Lending Corporation | 260.02M | 2.20 | -1.95 | -79.55% | -5.62% | -206.46% | 6.7% | 1.84 |
| AIHSSenmiao Technology Limited | 4.65M | 1.02 | -3.09 | -21.55% | -109.92% | -109.33% | 10.73% | 1.07 |
| 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 % | - | 29% | -1% | - | -12.87% | 0.9% | -0.33% | 0.58% | -0.15% | 0.49% |
| 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 % | - | - | 5.76% | 4.15% | 5.14% | -0.86% | 1.24% | 0.65% | -0.47% | -0.22% |
| 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 % | - | -26.25% | -18.33% | 0.89% | -4.37% | -0.07% | -0.92% | 0.47% | 0.29% | 0.12% |
| 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 % | - | -35.62% | -15.77% | 0.54% | -0.91% | -0.19% | 0.95% | -4.8% | -0.18% | -0.02% |
| 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 % | - | - | -50.87% | 0.85% | 0.12% | -1.06% | 0.69% | 0.56% | 0.05% | 0.2% |
| 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 | 2.55M | 2.55M | 2.2M | 2.59M | 2.8M | 3.94M | 5.73M | 7.2M | 8.86M | 10.52M |
| 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 | 1000K | 1000K | 833.89K | 1000K | 1000K | 1000K | 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 % | - | - | - | - | - | - | - | 0.28% | 1% | - |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | -19.88M | -14.24M | 0 | 0 |
| Accounts Receivables | 1000K | 8.65K | 2.72K | 1000K | 1000K | 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 % | - | -0.53% | 0.43% | -0.14% | 0.27% | 0.43% | -0.11% | -0.28% | -0.31% | -0.41% |
| Return on Assets (ROA) | -0% | -0.04% | -0.81% | -0.34% | -0.62% | -0.55% | -0.03% | -0.18% | -0.3% | -0.48% |
| 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 % | - | -0.43% | 0.34% | -0.35% | -0.82% | 0.75% | 3.89% | -0.35% | -0.51% | -0.91% |
| Equity / Assets (Capital Ratio) | - | - | - | - | - | - | - | - | - | - |
| Return on Equity (ROE) | -0% | -0.04% | -0.88% | -0.43% | -1.76% | -5.12% | -0.07% | -0.3% | -0.6% | -1.69% |
| Book Value per Share | 6.67 | 3.78 | 5.86 | 3.24 | 0.53 | 0.65 | 2.19 | 1.14 | 0.46 | 0.03 |
| 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 |
| 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 % | - | 5496.64% | -1.59% | -7.07% | -0.03% | 0.39% | -1.33% | 1.06% | -0.99% | 68.09% |
| 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 % | - | 5241.84% | -1.62% | -7.68% | -0.1% | 0.13% | -0.94% | 0.95% | -0.07% | 1.75% |
| 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 | 6.67 | 3.78 | 5.86 | 3.24 | 0.53 | 0.65 | 2.19 | 1.14 | 0.46 | 0.03 |
| NII Growth | - | 2900% | -100% | - | -1287.42% | 90.1% | -32.72% | 58.41% | -15.34% | 48.86% |
| 2018 | 2021 | 2022 | 2023 | |
|---|---|---|---|---|
| Service, Other | 125.42K | - | - | 128.28K |
| Service, Other Growth | - | - | - | - |
| Consolidated | - | 11.74M | 8.08M | - |
| Consolidated Growth | - | - | -31.17% | - |
| Automobile Transactions And Financing Services | - | - | 4.37M | - |
| Automobile Transactions And Financing Services Growth | - | - | - | - |
| Automobile transaction and related services | - | 9.08M | - | - |
| Automobile transaction and related services Growth | - | - | - | - |
| Online ride-hailing platform operating services | - | 2.67M | - | - |
| Online ride-hailing platform operating services Growth | - | - | - | - |
| Revenues from sales of automobiles | 1.82M | - | - | - |
| Revenues from sales of automobiles Growth | - | - | - | - |
| Service fees from automobile purchase | 407.63K | - | - | - |
| Service fees from automobile purchase Growth | - | - | - | - |
| Transaction fees From online Lending Services | 331.96K | - | - | - |
| Transaction fees From online Lending Services Growth | - | - | - | - |
| Facilitation fees from automobile transaction | 142.62K | - | - | - |
| Facilitation fees from automobile transaction Growth | - | - | - | - |
| Service fees from management and guarantee services | 60.01K | - | - | - |
| Service fees from management and guarantee services Growth | - | - | - | - |
| Service fees From online lending Services | 38K | - | - | - |
| Service fees From online lending Services Growth | - | - | - | - |
Senmiao Technology Limited (AIHS) saw revenue decline by 21.5% over the past year.
Senmiao Technology Limited (AIHS) reported a net loss of $3.2M for fiscal year 2024.
Senmiao Technology Limited (AIHS) has a return on equity (ROE) of -169.2%. Negative ROE indicates the company is unprofitable.
Senmiao Technology Limited (AIHS) has a net interest margin (NIM) of -0.3%. NIM has been under pressure due to interest rate environment.
Senmiao Technology Limited (AIHS) has an efficiency ratio of 139.2%. This is higher than peers, suggesting room for cost optimization.