Last 37 quarters of trend data · Financial Services · Financial - Credit Services
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | -3.94 | — | — | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| P/S Ratio | 4.03 | 2.66 | 0.80 | 0.94 | 2.77 | 3.06 | 4.22 | 2.40 | 1.70 | 0.87 | 0.78 | 0.50 | 0.97 |
| — | -13.2% | -81.0% | -60.7% | +63.2% | +250.3% | +442.1% | +382.9% | +75.4% | -12.5% | +11.3% | -24.6% | -31.1% | |
| P/B Ratio | 3.93 | 1.02 | 1.04 | 7.24 | 26.89 | 5.05 | 4.27 | 3.31 | 2.14 | 0.66 | 0.60 | 0.56 | 0.83 |
| — | -79.9% | -75.6% | +118.9% | +1158.8% | +664.7% | +611.0% | +486.1% | +157.9% | -5.0% | +2.0% | +10.7% | -21.0% | |
| P/FCF | 27.42 | — | — | — | — | 7.91 | 17.93 | 173.01 | — | — | — | — | 4.59 |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| EV / EBITDA | — | — | — | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| EV / EBIT | — | — | — | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Senmiao Technology Limited's operating margin was -305.7% in Q3 2025, down 224.7 pp QoQ and down 228.9 pp YoY. This marks the 3rd consecutive quarter of margin compression, signaling a persistent pressure on profitability that investors should monitor. The trailing four-quarter average of -166.9% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind. Gross margin contracted 28.1% YoY, suggesting cost inflation or competitive pricing pressure.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 25.1% | 13.8% | 29.3% | 22.9% | 38.3% | 19.2% | 13.0% | 28.6% | 14.7% | 26.0% | 15.2% | 27.8% | 30.8% |
| — | -28.1% | +125.3% | -19.8% | +161.2% | -26.3% | -14.7% | +2.8% | -52.3% | +148.0% | +10.6% | +41.4% | +9.4% | |
| Operating Margin | -114.1% | -305.7% | -81.0% | -71.1% | -209.8% | -76.8% | -82.6% | -70.7% | -123.6% | -81.4% | -99.1% | -37.6% | -101.5% |
| — | -298.2% | +1.9% | -0.6% | -69.8% | +5.7% | +16.7% | -87.8% | -21.7% | -6.6% | -40.1% | +38.8% | -1198.0% | |
| Net Margin | -109.9% | -289.2% | -69.3% | -19.1% | -210.2% | -61.5% | -95.4% | -60.0% | -108.4% | -84.3% | -78.3% | -20.4% | -79.1% |
| — | -370.5% | +27.4% | +68.1% | -94.0% | +27.1% | -21.9% | -193.8% | -37.0% | -51.1% | -61.9% | -243.7% | -191.8% |
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -169.2% | -31.3% | -38.9% | -41.3% | -137.7% | -21.8% | -22.9% | -18.4% | -27.8% | -15.6% | -13.7% | -5.5% | -15.3% |
| — | -43.3% | -69.9% | -124.0% | -394.4% | -40.2% | -67.3% | -236.0% | -82.4% | -65.5% | -43.9% | -303.3% | -140.1% | |
| ROA | -47.6% | -19.9% | -13.0% | -3.0% | -25.9% | -6.9% | -8.0% | -7.1% | -12.6% | -7.5% | -7.1% | -3.1% | -9.3% |
| — | -190.2% | -62.5% | +58.1% | -106.5% | +9.0% | -13.1% | -129.3% | -34.3% | -21.6% | -10.6% | -275.7% | -189.1% | |
| ROIC | -108.4% | -24.2% | -31.3% | -67.2% | -77.6% | -17.2% | -12.5% | -13.9% | -20.1% | -9.3% | -11.0% | -6.7% | -13.1% |
| — | -40.4% | -150.4% | -384.1% | -286.7% | -86.0% | -13.9% | -108.6% | -53.4% | -6.3% | -14.8% | +17.1% | -873.1% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
The current ratio has improved 510.5% YoY to 2.24x, strengthening the short-term liquidity position. Debt/Equity has declined for 4 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.07 | 0.02 | 0.03 | 0.44 | 1.07 | 0.21 | 0.16 | 0.21 | 0.14 | 0.22 | 0.21 | 0.16 | 0.12 |
| — | -92.9% | -79.1% | +108.8% | +649.7% | -2.1% | -23.2% | +32.2% | +17.0% | +74.9% | +140.6% | +70.1% | +36.7% | |
| Debt / EBITDA | — | — | — | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Current Ratio | 0.43 | 2.24 | 0.44 | 0.48 | 0.43 | 0.37 | 0.37 | 0.41 | 0.50 | 0.93 | 0.94 | 0.91 | 0.94 |
| — | +510.5% | +18.8% | +17.8% | -13.5% | -60.6% | -60.2% | -55.4% | -47.0% | +12.4% | -6.5% | -18.7% | +3.1% | |
| Quick Ratio | 0.43 | 2.24 | 0.44 | 0.48 | 0.43 | 0.37 | 0.37 | 0.41 | 0.50 | 0.93 | 0.94 | 0.91 | 0.94 |
| — | +510.5% | +18.8% | +17.8% | -13.5% | -60.6% | -60.2% | -55.4% | -47.0% | +12.4% | -6.5% | -18.7% | +3.1% | |
| Interest Coverage | -255.37 | — | — | -993.97 | -731.45 | -209.87 | -144.20 | -72.45 | -121.13 | -132.88 | -154.37 | -85.26 | -182.72 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 37 years · Updated daily
Price is only half the story. See total return with reinvested dividends.
Launch CalculatorSee our Bear / Base / Bull DCF models and intrinsic value estimates.
View ValuationCompare performance and metrics against top competitors.
Start ComparisonSenmiao Technology Limited's current P/E is -3.9x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Senmiao Technology Limited's current operating margin is -114.1%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Senmiao Technology Limited's business trajectory between earnings reports.