Senmiao Technology Limited(AIHS)Earnings, Financials & Key Ratios
AIHS•NASDAQ•Banking & Credit
$1.21
$1M mkt cap·Price updated May 6, 2026
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 Ratio139.19%+13.4%
- ROA-47.57%-56.2%
- Equity / Assets6%-85.4%
- Book Value per Share0.33-92.8%
- Tangible BV/Share-0.03-100.6%
- Debt/Equity1.07+649.7%
AIHS Key Insights
Senmiao Technology Limited (AIHS) fundamental analysis — strengths, weaknesses & financial health based on 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
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
AIHS Price & Volume
Senmiao Technology Limited (AIHS) stock price & volume — 10-year historical chart
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AIHS Growth Metrics
Senmiao Technology Limited (AIHS) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years-26.37%
3 Years-11.64%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-8.83%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM-622.41%
Return on Capital
10 Years-69.72%
5 Years-102.05%
3 Years-90.02%
Last Year-151.64%
AIHS Peer Comparison
Senmiao Technology Limited (AIHS) competitors in Auto and Specialty Asset Finance — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 RCON | 17.7M | 0.89 | -1.29 | -3.73% | -64.25% | -9.15% | 0.08 | |
 CLPS | 25.89M | 0.93 | -3.56 | 15.17% | -1.27% | -6.06% | 0.59 | |
 CNET | 1.99M | 0.75 | -0.40 | -49.52% | -33.36% | -60.34% | 0.03 | |
 FTFT | 7.02M | 1.39 | -0.60 | 77.47% | -120.63% | -16.38% | 0.04 | |
 GOTU | 759.78M | 1.97 | -4.87 | 55.99% | -6.4% | -21.76% | 0.25 | |
 CANG | 254.01M | 0.55 | 5.76 | -52.73% | -5.15% | -4.06% | 0.04 | |
 UXIN | 21.05M | 2.89 | -0.55 | 45.02% | -12.4% | |||
 BZUN | 165.74M | 2.77 | -6.11 | 6.92% | -2.09% | -3.69% | 0.44 |
Compare AIHS vs Peers
Senmiao Technology Limited (AIHS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
AIHS Income Statement
Senmiao Technology Limited (AIHS) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 30 | 0 | -33.88K | -470.03K | -46.52K | -61.74K | -25.68K | -29.61K | -15.14K | 108.08K |
| NII Growth % | 2900% | -100% | - | -1287.42% | 90.1% | -32.72% | 58.41% | -15.34% | 48.86% | 2977.98% |
| Net Interest Margin % | 0% | 0% | -0.28% | -3.01% | -0.21% | -0.31% | -0.18% | -0.3% | -0.26% | 1.88% |
| Interest Income | 30 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 111.11K |
| Interest Expense | 0 | 0 | 33.88K | 470.03K | 46.52K | 61.74K | 25.68K | 29.61K | 15.14K | 3.04K |
| Loan Loss Provision | 0 | 0 | 1.78M | 11.81M | 1.94M | 6.94M | 6.56M | 3.37M | 2.52M | 2.15M |
| Non-Interest Income | 73.21K | 494.9K | 2.55M | 15.66M | 2.19M | 4.91M | 8.08M | 4.32M | 3.39M | 2.89M |
| Non-Interest Income % | 99.96% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 96.3% |
| Total Revenue | 73.24K▲ 0% | 494.9K▲ 575.7% | 2.55M▲ 415.5% | 15.66M▲ 513.7% | 2.19M▼ 86.0% | 4.91M▲ 124.5% | 8.08M▲ 64.5% | 4.32M▼ 46.6% | 3.39M▼ 21.5% | 3M▲ 0% |
| Revenue Growth % | - | 575.75% | 415.48% | 513.68% | -86.02% | 124.46% | 64.51% | -46.55% | -21.55% | -92.58% |
| Non-Interest Expense | 583.48K | 10.36M | 1.78M | 8.97M | 6.22M | 9.47M | 7.63M | 5.3M | 4.72M | 4.59M |
| Efficiency Ratio | 796.7% | 2092.71% | 69.84% | 57.31% | 283.99% | 192.83% | 94.44% | 122.69% | 139.19% | 152.92% |
| Operating Income | -510.25K▲ 0% | -9.86M▼ 1832.8% | -1.04M▲ 89.4% | -5.6M▼ 436.7% | -6.01M▼ 7.4% | -11.56M▼ 92.3% | -6.14M▲ 46.9% | -4.38M▲ 28.7% | -3.87M▲ 11.6% | -4.24M▲ 0% |
| Operating Margin % | -696.7% | -1992.71% | -40.88% | -35.75% | -274.64% | -235.33% | -75.98% | -101.28% | -114.12% | -141.28% |
| Operating Income Growth % | -2625.09% | -1832.77% | 89.43% | -436.7% | -7.41% | -92.33% | 46.89% | 28.75% | 11.61% | - |
| Pretax Income | -509.77K▲ 0% | -9.86M▼ 1834.0% | -1.13M▲ 88.5% | -4.32M▼ 280.6% | -7.47M▼ 73.0% | -5.6M▲ 25.0% | -3.79M▲ 32.3% | -3.83M▼ 1.1% | -3.47M▲ 9.6% | -3.76M▲ 0% |
| Pretax Margin % | -696.05% | -1992.13% | -44.45% | -27.57% | -341.14% | -114.01% | -46.9% | -88.75% | -102.3% | -125.44% |
| Income Tax | 0 | 0 | 21.91K | 33.18K | 8.33K | 4.57K | 0 | 20.21K | 0 | 184.1K |
| Effective Tax Rate % | 0% | 0% | -1.93% | -0.77% | -0.11% | -0.08% | 0% | -0.53% | 0% | -4.89% |
| Net Income | -587.88K▲ 0% | -9.86M▼ 1577.0% | -4.55M▲ 53.9% | -8.67M▼ 90.6% | -10.36M▼ 19.4% | -536.62K▲ 94.8% | -3.11M▼ 480.2% | -3.67M▼ 17.8% | -3.73M▼ 1.5% | -3.63M▲ 0% |
| Net Margin % | -802.71% | -1992.13% | -178.35% | -55.4% | -473.31% | -10.92% | -38.52% | -84.93% | -109.92% | -120.87% |
| Net Income Growth % | -3561.9% | -1577.03% | 53.85% | -90.63% | -19.45% | 94.82% | -480.25% | -17.83% | -1.54% | -8.83% |
| Net Income (Continuing) | -509.77K | -9.86M | -1.16M | -4.35M | -7.48M | -5.61M | -3.79M | -3.85M | -3.47M | -2.91M |
| EPS (Diluted) | -0.23▲ 0% | -11.93▼ 5087.0% | -1.76▲ 85.2% | -1.55▲ 11.9% | -3.20▼ 106.5% | -0.98▲ 69.4% | -0.43▲ 56.1% | -0.41▲ 4.7% | -0.33▲ 19.5% | -1.02▲ 0% |
| EPS Growth % | - | -5086.96% | 85.25% | 11.93% | -106.45% | 69.38% | 56.12% | 4.65% | 19.51% | -622.41% |
| EPS (Basic) | -0.23 | -11.93 | -1.76 | -1.55 | -3.20 | -0.98 | -0.43 | -0.41 | -0.33 | - |
| Diluted Shares Outstanding | 255K | 219.68K | 258.82K | 280.24K | 394.31K | 572.7K | 719.58K | 886.32K | 1.05M | 3.56M |
AIHS Balance Sheet
Senmiao Technology Limited (AIHS) balance sheet — assets, liabilities & shareholders' equity
| Line item | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 161.29K | 11.14M | 3.97M | 833.89K | 4.34M | 1.19M | 1.61M | 737.72K | 833.58K | 5.89M |
| Cash & Due from Banks | 161.29K | 11.14M | 3.97M | 833.89K | 4.34M | 1.19M | 1.61M | 737.72K | 833.58K | 3.51M |
| Short Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 0 | 0 | 0 | 0 | 0 | -19.88M | -14.24M | 0 | 0 | 0 |
| Investments Growth % | - | - | - | - | - | - | 28.37% | 100% | - | 0% |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 | -19.88M | -14.24M | 0 | 0 | 0 |
| Accounts Receivables | 8.65K | 2.72K | 2.89M | 2.05M | 502.03K | 656.44K | 210.24K | 2.04K | 11.99K | 0 |
| Goodwill & Intangibles | 9.87M | 1.95M | 296.09K | 777.62K | 1.1M | 959.55K | 774.32K | 450.03K | 375K | 318.75K |
| Goodwill | 5.63M | 0 | 0 | 0 | 135.39K | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 4.24M | 1.95M | 296.09K | 777.62K | 968.13K | 959.55K | 774.32K | 450.03K | 375K | 318.75K |
| PP&E (Net) | 4.65K | 8.87K | 125.89K | 6.62M | 4.64M | 6.59M | 4.18M | 3.14M | 1.78M | 1.08M |
| Other Assets | 0 | 1.2M | 493K | 1.63M | 5.66M | 6.73M | 4.43M | 3.62M | 1.41M | 7.18K |
| Total Current Assets | 180.77K | 11.21M | 11.4M | 6.61M | 10.89M | 5.6M | 4.85M | 2.65M | 2.24M | 4.33M |
| Total Non-Current Assets | 9.87M | 3.16M | 914.98K | 9.02M | 11.41M | 14.28M | 9.38M | 7.21M | 3.56M | 1.41M |
| Total Assets | 10.05M▲ 0% | 14.37M▲ 43.0% | 12.31M▼ 14.3% | 15.63M▲ 26.9% | 22.3M▲ 42.7% | 19.88M▼ 10.9% | 14.24M▼ 28.4% | 9.86M▼ 30.7% | 5.8M▼ 41.2% | 5.74M▲ 0% |
| Asset Growth % | -53.26% | 42.96% | -14.33% | 26.93% | 42.69% | -10.87% | -28.37% | -30.74% | -41.18% | -156.33% |
| Return on Assets (ROA) | -3.72% | -80.72% | -34.1% | -62.07% | -54.62% | -2.54% | -18.25% | -30.45% | -47.57% | -63.15% |
| Accounts Payable | 19.01K | 0 | 157.38K | 377.09K | 44.77K | 14.45K | 183.65K | 106.17K | 173.19K | 102.19K |
| Total Debt | 0 | 0 | 873.71K | 7.03M | 1.6M | 1.11M | 991K | 576.16K | 371.05K | 56.51K |
| Net Debt | -161.29K | -11.14M | -3.09M | 6.19M | -2.75M | -77.98K | -619.09K | -161.55K | -462.53K | -3.45M |
| Long-Term Debt | 0 | 0 | 177.79K | 64.22K | 44.96K | 0 | 513.8K | 71.23K | 0 | 10.21K |
| Short-Term Debt | 0 | 0 | 695.92K | 226.75K | 182.28K | 155.44K | 17.48K | 12.35K | 414 | 46.3K |
| Other Liabilities | 0 | 0 | 0 | 0 | 2.21M | 820.8K | -244.41K | 234.36K | 234.36K | 0 |
| Total Current Liabilities | 424.02K | 1.5M | 3.75M | 11.13M | 16.78M | 6.17M | 5.18M | 5.34M | 5.22M | 1.94M |
| Total Non-Current Liabilities | 0 | 0 | 177.79K | 3.03M | 2.95M | 1.14M | 826.11K | 464.27K | 234.36K | 10.21K |
| Total Liabilities | 424.02K | 1.5M | 3.93M | 14.16M | 19.73M | 7.31M | 6.01M | 5.81M | 5.45M | 1.95M |
| Total Equity | 9.63M▲ 0% | 12.88M▲ 33.7% | 8.38M▼ 34.9% | 1.47M▼ 82.4% | 2.57M▲ 74.7% | 12.57M▲ 388.6% | 8.23M▼ 34.5% | 4.05M▼ 50.7% | 348.26K▼ 91.4% | 3.75M▲ 0% |
| Equity Growth % | -43.42% | 33.73% | -34.91% | -82.44% | 74.72% | 388.58% | -34.54% | -50.73% | -91.41% | -111.73% |
| Equity / Assets (Capital Ratio) | 95.78% | 89.6% | 68.07% | 9.42% | 11.53% | 63.23% | 57.78% | 41.11% | 6% | 65.35% |
| Return on Equity (ROE) | -4.41% | -87.6% | -42.8% | -176.02% | -512.25% | -7.09% | -29.94% | -59.75% | -169.25% | -96.63% |
| Book Value per Share | 37.77 | 58.63 | 32.39 | 5.25 | 6.52 | 21.95 | 11.43 | 4.57 | 0.33 | 1.05 |
| Tangible BV per Share | -0.94 | 49.73 | 31.24 | 2.48 | 3.73 | 20.27 | 10.36 | 4.07 | -0.03 | 0.96 |
| Common Stock | 2.02K | 2.59K | 2.6K | 2.9K | 498 | 630 | 773 | 1.05K | 1.05K | 456 |
| Additional Paid-in Capital | 11.36M | 23.61M | 23.83M | 27.01M | 40.76M | 42.8M | 43.36M | 43.95M | 43.95M | 0 |
| Retained Earnings | -622.7K | -10.48M | -15.03M | -23.7M | -34.06M | -34.6M | -37.72M | -41.38M | -45.11M | -46.96M |
| Accumulated OCI | -1.11M | -253.76K | -428.77K | -507.48K | -838.67K | -109.45K | -1.25M | -1.67M | -1.7M | -869.46K |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 820.8K | 0 | 0 | 0 | 42.94K |
AIHS Cash Flow Statement
Senmiao Technology Limited (AIHS) cash flow — operating, investing & free cash flow history
| Line item | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 1.32M | -775.3K | -6.26M | -6.45M | -3.94M | -9.16M | 557.84K | 7.24K | 500.3K | 500.3K |
| Operating CF Growth % | 549663.9% | -158.54% | -706.94% | -3.06% | 38.95% | -132.7% | 106.09% | -98.7% | 6809.31% | -2288.62% |
| Net Income | -509.77K | -9.86M | -4.54M | -4.35M | -12.6M | -5.61M | -3.79M | -4.61M | -3.89M | -3.63M |
| Depreciation & Amortization | 325.67K | 663.14K | 330.89K | 1.66M | 4.68M | 2.07M | 1.99M | 1.4M | 1.28M | 999.31K |
| Deferred Taxes | 0 | 0 | -44.2K | 0 | 0 | 0 | 0 | -29.22K | 0 | 0 |
| Other Non-Cash Items | -793 | 8.18M | 1.23M | -235.17K | 96.08K | -5.81M | -673.44K | 1.95M | 2.06M | 1.74M |
| Working Capital Changes | 1.51M | 241.15K | -3.27M | -3.65M | 3.44M | -464.7K | 3.03M | 857.58K | 1.06M | 377.88K |
| Cash from Investing | -1.25M | -2.99K | -532.63K | -963.42K | -2.51M | -3.48M | 320.53K | -569.61K | -464.78K | -240.33K |
| 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Acquisitions | -1.18M | 0 | 0 | 0 | 8.06K | 0 | 0 | 0 | -143.59K | -838 |
| Other Investing | -59.43K | 0 | -32.2K | 1.82K | -2.28K | -253.13K | 1.47M | 102.07K | -319.59K | -239.5K |
| Cash from Financing | 341.74K | 11.74M | 701.21K | 3.43M | 10.26M | 9.76M | -373.83K | -168.34K | -123.72K | 3.95M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | -105.63K | -1.9M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Stock Issued | 341.74K | 10.43M | 0 | 5.14M | 11.01M | 5.77M | 0 | 0 | 0 | 659.99K |
| Net Stock Activity | 341.74K | 10.33M | -1.9M | 5.14M | 11.01M | 5.77M | 0 | 0 | 0 | 659.99K |
| Debt Issuance (Net) | 341.74K | 0 | 296.03K | 239.32K | -1000K | -289.83K | -517.99K | -223.89K | -56.28K | 10.26K |
| Other Financing | -341.74K | 1.41M | 2.31M | -1.95M | 1.59M | -95.75K | 144.15K | 55.55K | -67.44K | 3.6M |
| Net Change in Cash | 161.13K▲ 0% | 10.98M▲ 6714.7% | -6.12M▼ 155.7% | -4.18M▲ 31.8% | 3.6M▲ 186.3% | -3.26M▼ 190.5% | 424.87K▲ 113.0% | -815.45K▼ 291.9% | 38.94K▲ 104.8% | 2.6M▲ 0% |
| Exchange Rate Effect | -259.04K | 18.84K | -33.41K | -197.2K | -208.8K | -381.86K | -79.66K | -84.75K | 127.14K | 189.74K |
| Cash at Beginning | 165 | 161.29K | 11.14M | 5.02M | 844.03K | 4.45M | 1.19M | 1.61M | 794.64K | 677.04K |
| Cash at End | 161.29K | 11.14M | 5.02M | 844.03K | 4.45M | 1.19M | 1.61M | 794.64K | 833.58K | 3.55M |
| Interest Paid | 0 | 0 | 0 | 0 | 0 | 5.89K | 0 | 525 | 0 | 0 |
| Income Taxes Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 39 | 0 | 0 |
| Free Cash Flow | 1.26M▲ 0% | -778.29K▼ 161.6% | -6.76M▼ 768.1% | -7.41M▼ 9.7% | -6.45M▲ 13.0% | -12.53M▼ 94.1% | -619.66K▲ 95.1% | -664.44K▼ 7.2% | 498.7K▲ 175.1% | -841.23K▲ 0% |
| FCF Growth % | 524183.82% | -161.62% | -768.13% | -9.71% | 12.95% | -94.1% | 95.05% | -7.23% | 175.06% | -410.39% |
AIHS Banking Ratios
Senmiao Technology Limited (AIHS) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | -4.41% | -87.6% | -42.8% | -176.02% | -512.25% | -7.09% | -29.94% | -59.75% | -169.25% | -96.63% |
| Return on Assets (ROA) | -3.72% | -80.72% | -34.1% | -62.07% | -54.62% | -2.54% | -18.25% | -30.45% | -47.57% | -63.15% |
| Net Interest Margin | 0% | 0% | -0.28% | -3.01% | -0.21% | -0.31% | -0.18% | -0.3% | -0.26% | 1.88% |
| Efficiency Ratio | 796.7% | 2092.71% | 69.84% | 57.31% | 283.99% | 192.83% | 94.44% | 122.69% | 139.19% | 152.92% |
| Equity / Assets | 95.78% | 89.6% | 68.07% | 9.42% | 11.53% | 63.23% | 57.78% | 41.11% | 6% | 65.35% |
| Book Value / Share | 37.77 | 58.63 | 32.39 | 5.25 | 6.52 | 21.95 | 11.43 | 4.57 | 0.33 | 1.05 |
| NII Growth | 2900% | -100% | - | -1287.42% | 90.1% | -32.72% | 58.41% | -15.34% | 48.86% | 442.19% |
| Dividend Payout | - | - | - | - | - | - | - | - | - | 0% |
AIHS Frequently Asked Questions
Senmiao Technology Limited (AIHS) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Senmiao Technology Limited (AIHS) saw revenue decline by 21.5% over the past year.
Senmiao Technology Limited (AIHS) reported a net loss of $3.6M for fiscal year 2024.
Dividend & Returns
Senmiao Technology Limited (AIHS) has a return on equity (ROE) of -169.2%. Negative ROE indicates the company is unprofitable.
Industry Metrics
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.
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