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SENMIAO TECHNOLOGY LTD (AIHS) Stock Fundamental Analysis

NASDAQ:AIHS - Nasdaq - US8172252046 - Common Stock - Currency: USD

0.8809  -0.02 (-2.66%)

Fundamental Rating

1

We assign a fundamental rating of 1 out of 10 to AIHS. AIHS was compared to 53 industry peers in the Consumer Finance industry. AIHS may be in some trouble as it scores bad on both profitability and health. AIHS has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year AIHS has reported negative net income.
AIHS had a positive operating cash flow in the past year.
In the past 5 years AIHS always reported negative net income.
In multiple years AIHS reported negative operating cash flow during the last 5 years.
AIHS Yearly Net Income VS EBIT VS OCF VS FCFAIHS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -2M -4M -6M -8M -10M

1.2 Ratios

With a Return On Assets value of -43.04%, AIHS is not doing good in the industry: 96.15% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA -43.04%
ROE N/A
ROIC N/A
ROA(3y)-20.59%
ROA(5y)-32.74%
ROE(3y)-132.56%
ROE(5y)-176.83%
ROIC(3y)N/A
ROIC(5y)N/A
AIHS Yearly ROA, ROE, ROICAIHS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 -100 -200 -300

1.3 Margins

AIHS has a Gross Margin (21.13%) which is in line with its industry peers.
In the last couple of years the Gross Margin of AIHS has declined.
AIHS does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 21.13%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y35.86%
GM growth 5Y-4.63%
AIHS Yearly Profit, Operating, Gross MarginsAIHS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -500 -1K -1.5K -2K

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2. Health

2.1 Basic Checks

AIHS does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, AIHS has more shares outstanding
The number of shares outstanding for AIHS has been increased compared to 5 years ago.
AIHS has a worse debt/assets ratio than last year.
AIHS Yearly Shares OutstandingAIHS Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
AIHS Yearly Total Debt VS Total AssetsAIHS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M

2.2 Solvency

AIHS has an Altman-Z score of -7.83. This is a bad value and indicates that AIHS is not financially healthy and even has some risk of bankruptcy.
AIHS has a Altman-Z score of -7.83. This is in the lower half of the industry: AIHS underperforms 76.92% of its industry peers.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Altman-Z -7.83
ROIC/WACCN/A
WACC7.12%
AIHS Yearly LT Debt VS Equity VS FCFAIHS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M -5M 10M -10M

2.3 Liquidity

A Current Ratio of 0.37 indicates that AIHS may have some problems paying its short term obligations.
AIHS has a worse Current ratio (0.37) than 71.15% of its industry peers.
AIHS has a Quick Ratio of 0.37. This is a bad value and indicates that AIHS is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 0.37, AIHS is doing worse than 71.15% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.37
Quick Ratio 0.37
AIHS Yearly Current Assets VS Current LiabilitesAIHS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 27.46% over the past year.
The Revenue for AIHS has decreased by -39.09% in the past year. This is quite bad
AIHS shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 21.72% yearly.
EPS 1Y (TTM)27.46%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%58.04%
Revenue 1Y (TTM)-39.09%
Revenue growth 3Y45.99%
Revenue growth 5Y21.72%
Sales Q2Q%-59.24%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
AIHS Yearly Revenue VS EstimatesAIHS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
AIHS Yearly EPS VS EstimatesAIHS Yearly EPS VS EstimatesYearly EPS VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for AIHS. In the last year negative earnings were reported.
Industry RankSector Rank
PE N/A
Fwd PE N/A
AIHS Price Earnings VS Forward Price EarningsAIHS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
AIHS Per share dataAIHS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.2 -0.2 0.4

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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5. Dividend

5.1 Amount

No dividends for AIHS!.
Industry RankSector Rank
Dividend Yield N/A

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SENMIAO TECHNOLOGY LTD

NASDAQ:AIHS (2/21/2025, 8:00:36 PM)

0.8809

-0.02 (-2.66%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)08-12 2024-08-12/amc
Earnings (Next)N/A N/A
Inst Owners0.08%
Inst Owner Change-85.94%
Ins Owners1.07%
Ins Owner ChangeN/A
Market Cap9.27M
Analysts0
Price TargetN/A
Short Float %3.31%
Short Ratio19.92
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 2.05
P/FCF N/A
P/OCF 83.14
P/B N/A
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-0.35
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.02
FCFYN/A
OCF(TTM)0.01
OCFY1.2%
SpS0.43
BVpS-0.02
TBVpS-0.06
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -43.04%
ROE N/A
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 21.13%
FCFM N/A
ROA(3y)-20.59%
ROA(5y)-32.74%
ROE(3y)-132.56%
ROE(5y)-176.83%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y35.86%
GM growth 5Y-4.63%
F-Score3
Asset Turnover0.53
Health
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 29.7%
Cap/Sales 6.97%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.37
Quick Ratio 0.37
Altman-Z -7.83
F-Score3
WACC7.12%
ROIC/WACCN/A
Cap/Depr(3y)151.28%
Cap/Depr(5y)420.98%
Cap/Sales(3y)31.03%
Cap/Sales(5y)42.87%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)27.46%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%58.04%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-39.09%
Revenue growth 3Y45.99%
Revenue growth 5Y21.72%
Sales Q2Q%-59.24%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y22.11%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y94.77%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y104.21%
OCF growth 3YN/A
OCF growth 5YN/A