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Senmiao Technology Limited(AIHS)Earnings, Financials & Key Ratios
AIHS•NASDAQ•Banking & Credit
$1.42
Price updated Jul 7, 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$65K+528.1%
- Total Revenue$2M-54.4%
- Net Income-$5M-41.5%
- Net Interest Margin1.23%+572.3%
- Efficiency Ratio310.28%+122.9%
- ROA-95.32%-100.4%
- Equity / Assets-48.74%-911.8%
- Book Value per Share-0.96-389.4%
AIHS Price & Volume
Senmiao Technology Limited (AIHS) stock price & volume — 10-year historical chart
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Persistent Revenue Contraction Signals Structural Operational Decay
Investment Thesis • Updated 2025Q3
VerdictNegative
Growth:Contracting
Profitability:Negative
Financial:Vulnerable
Cash Flow:Burning
Primary Risk:Liquidity exhaustion and insolvency
Key Thesis Takeaways
- Senmiao Technology faces a challenging outlook characterized by a severe erosion of its core ride-hailing and leasing business, as evidenced by revenue falling from $1.3M in 2023Q4 to $358.7K in 2025Q3.
- The company's inability to maintain positive operating margins, which reached -114.12% in recent periods, suggests that administrative overhead continues to overwhelm its limited gross profit generation.
- Investors should remain cautious as the firm's cumulative retained earnings of -$47.0M and ongoing cash burn indicate significant risks to long-term operational viability.
Verdict Logic
the company's precarious liquidity position and persistent net losses, culminating in a $1.5M net loss in 2025Q3, suggest that the business model lacks the necessary scale to achieve profitability.
AIHS Growth Metrics
Senmiao Technology Limited (AIHS) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years-6.72%
3 Years-42.9%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM3.33%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM47.32%
Return on Capital
10 Years-67.59%
5 Years-75.37%
3 Years-108.06%
Last Year-
AIHS Recent Earnings
Senmiao Technology Limited (AIHS) EPS & revenue vs analyst estimates — last 4 quarters
Q3 2026Latest
Jun 30, 2026Metric
Actual
Est
EPS
$1.11
—
Rev
$609,000
—
Q1 2026
Feb 13, 2026Metric
Actual
Est
EPS
$0.28
—
Rev
$358,684
—
Q4 2025
Nov 19, 2025Metric
Actual
Est
EPS
$0.43
—
Rev
$936,344
—
Q3 2025
Aug 19, 2025Metric
Actual
Est
EPS
$0.15
—
Rev
$860,099
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q3 2026Latest | Jun 30, 2026 | $1.11 | $609,000 |
| Q1 2026 | Feb 13, 2026 | $0.28 | $358,684 |
| Q4 2025 | Nov 19, 2025 | $0.43 | $936,344 |
| Q3 2025 | Aug 19, 2025 | $0.15 | $860,099 |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Senmiao Technology Limited (AIHS)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $1.42 | $3.8M | -0.67 | -54.38% | -340.86% | — | — | |
| $0.40 | $8M | -0.58 | -3.73% | -64.25% | -9.15% | — | |
| $0.84 | $24.98M | -3.23 | 15.17% | -3.05% | -15.02% | — | |
| $0.99 | $3.22M | -1.47 | -70.11% | -33.27% | -28.25% | — | |
| $0.58 | $2.99M | -0.25 | 77.47% | -37.88% | -3.64% | — | |
| $1.76 | $638.43M | -14.23 | 34.99% | -5.26% | -20.84% | — |
Compare AIHS vs Peers
Senmiao Technology Limited (AIHS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
AIHS SEC Filings & Documents
Senmiao Technology Limited (AIHS) SEC filings — annual & quarterly reports (10-K, 10-Q)
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AIHS Frequently Asked Questions
Senmiao Technology Limited (AIHS) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Senmiao Technology Limited growing?
Senmiao Technology Limited (AIHS) saw revenue decline by 54.4% over the past year.
Is AIHS profitable?
Senmiao Technology Limited (AIHS) reported a net loss of $3.6M for fiscal year 2025.
Industry Metrics
What is Senmiao Technology Limited's net interest margin?
Senmiao Technology Limited (AIHS) has a net interest margin (NIM) of 1.2%. NIM has been under pressure due to interest rate environment.
What is Senmiao Technology Limited's efficiency ratio?
Senmiao Technology Limited (AIHS) has an efficiency ratio of 310.3%. This is higher than peers, suggesting room for cost optimization.