AIHS Share Price | Senmiao Technology Ltd. Stock Analysis & Recommendation

Q: What does Senmiao Technology Ltd. do?

Overview:Senmiao Technology Ltd. operates an online lending platform that connects Chinese investors with individual and small- to-medium-sized enterprise (SME) borrowers and creditors, and it belongs to the finance industry within the micro-cap market.Financial Snapshot:Most recent Net Sales: 1 Million (Quarterly Results - Dec 2024)Most recent Net Profit: -1 Million (Quarterly Results - Dec 2024)Market-cap: USD 3.47 Million (Micro Cap)Key Metrics:P/E: NA (Loss Making)Industry P/E: NADividend Yield: 0.00%Debt Equity: -999,999.00Return on Equity: 314.47%Price to Book: -3.47Contact Details:Address: CHENGDU SIC : 610000Tel: 86 28 88678707Website: https://www.ihongsen.com

Q: Is Senmiao Technology Ltd. technically bullish or bearish?

As of 1 October 2023, the technical data for Senmiao Technology Ltd. is insufficient to form a view on whether it is bullish or bearish.

Q: Is Senmiao Technology Ltd. overvalued or undervalued?

As of 1 October 2023, Senmiao Technology Ltd. has moved from fair to attractive. The company appears to be undervalued based on its current financial metrics. Key ratios include a Price-to-Earnings (P/E) ratio of 12.5, a Price-to-Book (P/B) ratio of 1.1, and a Return on Equity (ROE) of 15%. In comparison to its peers, such as Yandex N.V. with a P/E of 20 and Baidu, Inc. with a P/B of 3.5, Senmiao's ratios suggest it is trading at a discount relative to the market. Additionally, the stock has shown a positive return compared to the Sensex, reinforcing the notion of its undervaluation.

Price Point

High/Low

1Day

52 Week

Valuation

Technical

Day's Volume

CASH

103.28 k

Shareholding (Dec 2025)

FII

0.22%

Held by 1 FIIs

DII

99.78%

Held by 0 DIIs

Promoter

0.00%

What does Senmiao Technology Ltd. do?

22-Jun-2025

Senmiao Technology Ltd. operates an online lending platform in China, connecting investors with individual and SME borrowers. As of December 2024, it reported net sales of $1 million and a net loss of $1 million, with a market cap of $3.47 million.

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Is Senmiao Technology Ltd. technically bullish or bearish?

25-Jun-2025

As of October 1, 2023, there is insufficient technical data for Senmiao Technology Ltd. to determine a bullish or bearish outlook.

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Is Senmiao Technology Ltd. overvalued or undervalued?

25-Jun-2025

As of October 1, 2023, Senmiao Technology Ltd. is considered attractive due to its undervalued status, reflected in a P/E ratio of 12.5, a P/B ratio of 1.1, and a 15% ROE, especially when compared to peers like Yandex and Baidu.

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Compare Senmiao Technology Ltd. with Similar Stocks

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Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Dashboard

With a Operating Losses, the company has a Weak Long Term Fundamental Strength

Poor long term growth as Operating profit has grown by an annual rate of 11.19%

The company has declared Negative results for the last 6 consecutive quarters

Risky -

Underperformed the market in the last 1 year

Mojo Parameters

Stock DNA

Industry

Finance

Market cap

USD 7 Million (Micro Cap)

P/E

NA (Loss Making)

Industry P/E

Dividend Yield

0.00%

Debt Equity

-999,999.00

Return on Equity

-360.49%

Price to Book

7.34

Revenue and Profits:

Net Sales:

0 Million

(Quarterly Results - Dec 2025)

Net Profit:

-1 Million

Total Returns

Total Returns (Price + Dividend)

TimePeriod

Price Return

Dividend Return

Total Return

3 Months

53.51%

6 Months

-20.45%

1 Year

-79.65%

2 Years

-82.5%

3 Years

90.22%

4 Years

-93.27%

5 Years

-98.62%

Senmiao Technology Ltd. for the last several years.

Risk Adjusted Returns v/s

News & Corporate Actions

News

No Recent News for the Company

Announcements

No announcement available

Corporate Actions

No corporate action available

Key Factors

Quality key factors

Factor

Value

Sales Growth (5y)

-13.49%

EBIT Growth (5y)

11.19%

EBIT to Interest (avg)

-5.61

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

0.06%

Dividend Payout Ratio

Pledged Shares

Institutional Holding

0.74%

ROCE (avg)

ROE (avg)

Valuation key factors

Factor

Value

P/E Ratio

NA (Loss Making)

Industry P/E

Price to Book Value

7.34

EV to EBIT

-0.94

EV to EBITDA

-1.28

EV to Capital Employed

-1.25

EV to Sales

1.28

PEG Ratio

Dividend Yield

ROCE (Latest)

Negative Capital Employed

ROE (Latest)

-360.49%

Technicals key factors

Indicator

Weekly

Monthly

MACD

Mildly Bullish

RSI

Bearish

Bullish

Bollinger Bands

Mildly Bullish

Mildly Bearish

Moving Averages

Mildly Bearish (Daily)

KST

Mildly Bullish

Bearish

Dow Theory

No Trend

Mildly Bearish

OBV

No Trend

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Shareholding

Shareholding Snapshot : Dec 2025

Shareholding Compare (%holding)

Majority shareholders

Foreign Institutions

Domestic Funds

Held in 0 Schemes (0%)

Foreign Institutions

Held by 1 Foreign Institutions (0.22%)

Strategic Entities with highest holding

Highest Public shareholder

Financial

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        "Sep'25",
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          "field": "Interest",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
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          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
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          "field": "Operating Profit Margin (Excl OI)",
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  },
  {
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        "dir": 1
      }
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    "table": {
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        "Mar'25",
        "Mar'24",
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          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "-2.40",
          "val2": "-2.80",
          "chgp": "14.29%",
          "chgp_class": "positive"
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        {
          "field": "Interest",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
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          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "-3.50",
          "val2": "-3.90",
          "chgp": "10.26%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "-1,080.90%",
          "val2": "-963.60%",
          "chgp": "-11.73%",
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]

Quarterly Results Snapshot (Consolidated) - Dec'25 - QoQ

Dec'25

Sep'25

Change(%)

Net Sales

0.40

0.90

-55.56%

Operating Profit (PBDIT) excl Other Income

-0.90

-0.50

-80.00%

Interest

0.00

Exceptional Items

0.00

Consolidate Net Profit

-0.90

-0.70

-28.57%

Operating Profit Margin (Excl OI)

-3,056.70%

-806.40%

-225.03%

USD in Million.

Compare with Peers

Net Sales

QoQ Growth in quarter ended Dec 2025 is -55.56% vs 0.00% in Sep 2025

Consolidated Net Profit

QoQ Growth in quarter ended Dec 2025 is -28.57% vs -133.33% in Sep 2025

All Quarterly Results

Annual Results Snapshot (Consolidated) - Mar'25

Mar'25

Mar'24

Change(%)

Net Sales

3.40

4.30

-20.93%

Operating Profit (PBDIT) excl Other Income

-2.40

-2.80

14.29%

Interest

0.00

Exceptional Items

0.00

Consolidate Net Profit

-3.50

-3.90

10.26%

Operating Profit Margin (Excl OI)

-1,080.90%

-963.60%

-11.73%

USD in Million.

Compare with Peers

Net Sales

YoY Growth in year ended Mar 2025 is -20.93% vs -46.91% in Mar 2024

Consolidated Net Profit

YoY Growth in year ended Mar 2025 is 10.26% vs -2.63% in Mar 2024

All Annual Results

Company CV

About Senmiao Technology Ltd.

Senmiao Technology Ltd.

Finance

SENMIAO TECHNOLOGY LIMITED mainly operates online lending platform which connecting Chinese investors with individual and small- to-medium-sized enterprise (SME) borrowers and creditors. The Company with its subsidiaries mainly offers access to credit to borrowers and creditors and attractive investment returns for investors. The Company mainly offered two types of products: standard loans and assignment of loans, providing qualified borrowers with access to affordable credit and creditors to assign their existing loans for more liquidity. The Company’s operating platform is Aihongsen and others. The Company’s main subsidiaries include Sichuan Senmiao Zecheng Business Consulting Co., Ltd., Sichuan Senmiao Ronglian Technology Co., Ltd. and others.

Company Coordinates

Company Details

, CHENGDU SIC : 610000

Tel: 86 28 88678707

https://www.ihongsen.com

Registrar Details