Senmiao Technology Ltd Financials
This page shows Senmiao Technology Ltd (AIHS) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 8 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores
Senmiao Technology Ltd has an operating margin of -114.1%, meaning the company retains $-114 of operating profit per $100 of revenue. This below-average margin results in a low score of 0/100, suggesting thin profitability after operating expenses. This is down from -101.3% the prior year.
Senmiao Technology Ltd's revenue declined 21.5% year-over-year, from $4.3M to $3.4M. This contraction results in a growth score of 0/100.
Senmiao Technology Ltd's current ratio of 0.43 means current assets barely cover short-term liabilities. This tight liquidity results in a low score of 3/100, which could limit financial flexibility.
Senmiao Technology Ltd has a free cash flow margin of 14.7%, earning a moderate score of 62/100. The company generates positive cash flow after capital investments, but with room for improvement.
Senmiao Technology Ltd passes 5 of 9 financial strength tests. 2 of 4 profitability signals pass, 1 of 3 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Senmiao Technology Ltd generates $-0.13 in operating cash flow ($500K OCF vs -$3.7M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.
Key Financial Metrics
Earnings & Revenue
Senmiao Technology Ltd generated $3.4M in revenue in fiscal year 2025. This represents a decrease of 21.5% from the prior year.
Senmiao Technology Ltd's EBITDA was -$3.0M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 14.3% from the prior year.
Senmiao Technology Ltd reported -$3.7M in net income in fiscal year 2025. This represents a decrease of 1.5% from the prior year.
Senmiao Technology Ltd earned $-0.35 per diluted share (EPS) in fiscal year 2025. This represents an increase of 14.6% from the prior year.
Cash & Balance Sheet
Senmiao Technology Ltd generated $499K in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 175.1% from the prior year.
Senmiao Technology Ltd held $701K in cash against $0 in long-term debt as of fiscal year 2025.
Senmiao Technology Ltd had 1M shares outstanding in fiscal year 2025. This represents a decrease of 90.0% from the prior year.
Margins & Returns
Senmiao Technology Ltd's gross margin was 25.1% in fiscal year 2025, indicating the percentage of revenue retained after direct costs. This is up 3.7 percentage points from the prior year.
Senmiao Technology Ltd's operating margin was -114.1% in fiscal year 2025, reflecting core business profitability. This is down 12.8 percentage points from the prior year.
Senmiao Technology Ltd's net profit margin was -109.9% in fiscal year 2025, showing the share of revenue converted to profit. This is down 25.0 percentage points from the prior year.
Capital Allocation
Senmiao Technology Ltd invested $2K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 99.8% from the prior year.
AIHS Income Statement
| Metric | Q4'26 | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $359K0.0% | $359K-61.7% | $936K+8.9% | $860K+1.5% | $847K-7.6% | $917K+22.9% | $746K-15.1% | $879K |
| Cost of Revenue | $309K0.0% | $309K-51.0% | $632K+4.7% | $604K+28.4% | $470K-32.8% | $699K+10.7% | $632K+1.2% | $624K |
| Gross Profit | $49K0.0% | $49K-81.9% | $274K+39.2% | $197K-50.0% | $394K+272.0% | $106K+9.3% | $97K-61.7% | $253K |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $651K0.0% | $651K-28.2% | $907K+12.2% | $808K-2.4% | $828K+100.8% | $412K-22.3% | $531K-37.8% | $853K |
| Operating Income | $1.1M+200.0% | -$1.1M-44.6% | -$758K-24.0% | -$611K+70.4% | -$2.1M-402.8% | -$411K+33.2% | -$616K+20.4% | -$774K |
| Interest Expense | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $6K |
| Income Tax | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -$2K |
| Net Income | $1.0M+200.0% | -$1.0M-59.9% | -$649K-294.6% | -$164K+90.7% | -$1.8M-214.0% | -$565K+20.5% | -$711K-5.6% | -$673K |
| EPS (Diluted) | $0.29+200.0% | $-0.29+32.6% | $-0.43 | $-0.15 | N/A | $-0.54+20.6% | $-0.68-6.3% | $-0.64 |
AIHS Balance Sheet
| Metric | Q4'26 | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $5.7M0.0% | $5.7M+22.6% | $4.7M-11.7% | $5.3M-8.5% | $5.8M-26.5% | $7.9M-8.2% | $8.6M-6.6% | $9.2M |
| Current Assets | $4.3M0.0% | $4.3M+105.3% | $2.1M-7.9% | $2.3M+2.3% | $2.2M+12.6% | $2.0M-1.7% | $2.0M-11.0% | $2.3M |
| Cash & Equivalents | $3.5M0.0% | $3.5M+418.2% | $677K-22.0% | $868K+23.7% | $701K-26.1% | $949K+19.8% | $792K+5.8% | $749K |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | $1K0.0% | $1K-95.3% | $26K-26.2% | $35K+289.5% | $9K-77.8% | $40K+81.7% | $22K+10.1% | $20K |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $5.3M0.0% | $5.3M-31.8% | $7.8M-1.5% | $7.9M-8.2% | $8.7M-4.4% | $9.1M0.0% | $9.1M+0.1% | $9.0M |
| Current Liabilities | $1.9M0.0% | $1.9M-59.3% | $4.8M-0.7% | $4.8M-8.3% | $5.2M-3.8% | $5.4M+0.3% | $5.4M-3.3% | $5.6M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $397K0.0% | $397K+112.6% | -$3.1M-19.1% | -$2.6M+7.4% | -$2.9M-144.8% | -$1.2M-154.0% | -$459K-388.5% | $159K |
| Retained Earnings | $47.0M+200.0% | -$47.0M-2.3% | -$45.9M-1.4% | -$45.3M-0.4% | -$45.1M-4.1% | -$43.3M-1.3% | -$42.8M-1.7% | -$42.1M |
AIHS Cash Flow Statement
| Metric | Q4'26 | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $1.3M+245.3% | -$866K-1112.5% | -$71K+77.8% | -$321K-567.1% | -$48K-113.5% | $356K+102.8% | $176K+947.5% | $17K |
| Capital Expenditures | $418 | N/A | N/A | N/A | $1K+253.6% | -$771-12950.0% | $6-99.5% | $1K |
| Free Cash Flow | $1.3M | N/A | N/A | N/A | -$49K-113.9% | $355K+102.4% | $176K+1027.0% | $16K |
| Investing Cash Flow | $224K+53817.8% | $415+100.2% | -$224K-58027.0% | -$385+97.7% | -$17K+90.6% | -$177K+36.4% | -$278K-3940.7% | $7K |
| Financing Cash Flow | $4.1M+11.4% | $3.6M+9355.1% | $39K-89.8% | $377K+455.5% | -$106K-469.2% | $29K+288.0% | $7K+113.8% | -$54K |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
AIHS Financial Ratios
| Metric | Q4'26 | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 13.8%0.0pp | 13.8%-15.5pp | 29.3%+6.4pp | 22.9%-23.6pp | 46.5%+35.0pp | 11.6%-1.4pp | 13.0%-15.8pp | 28.8% |
| Operating Margin | 305.7%+611.4pp | -305.7%-224.7pp | -81.0%-9.9pp | -71.1%+172.9pp | -243.9%-199.1pp | -44.8%+37.7pp | -82.5%+5.5pp | -88.0% |
| Net Margin | 289.2%+578.4pp | -289.2%-219.9pp | -69.3%-50.2pp | -19.1%+190.4pp | -209.5%-147.9pp | -61.7%+33.7pp | -95.4%-18.8pp | -76.6% |
| Return on Equity | 261.1%+522.2pp | -261.1% | N/A | N/A | N/A | N/A | N/A | -423.1% |
| Return on Assets | 18.1%+36.1pp | -18.1%-4.2pp | -13.9%-10.8pp | -3.1%+27.5pp | -30.6%-23.4pp | -7.2%+1.1pp | -8.3%-1.0pp | -7.3% |
| Current Ratio | 2.240.0 | 2.24+1.8 | 0.44-0.0 | 0.48+0.0 | 0.43+0.1 | 0.370.0 | 0.37-0.0 | 0.41 |
| Debt-to-Equity | 13.450.0 | 13.45+15.9 | -2.49+0.5 | -3.01+0.0 | -3.03+4.7 | -7.76+12.0 | -19.72-76.6 | 56.85 |
| FCF Margin | 350.7% | N/A | N/A | N/A | -5.8%-44.6pp | 38.8%+15.2pp | 23.5%+21.8pp | 1.8% |
Note: Shareholder equity is negative (-$2.9M), which causes debt-to-equity and return on equity ratios to appear negative or not meaningful. This can occur from accumulated losses or large share buyback programs.
Note: The current ratio is below 1.0 (0.43), indicating current liabilities exceed current assets, which may suggest potential short-term liquidity concerns.
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Frequently Asked Questions
What is Senmiao Technology Ltd's annual revenue?
Senmiao Technology Ltd (AIHS) reported $3.4M in total revenue for fiscal year 2025. This represents a -21.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Senmiao Technology Ltd's revenue growing?
Senmiao Technology Ltd (AIHS) revenue declined by 21.5% year-over-year, from $4.3M to $3.4M in fiscal year 2025.
Is Senmiao Technology Ltd profitable?
No, Senmiao Technology Ltd (AIHS) reported a net income of -$3.7M in fiscal year 2025, with a net profit margin of -109.9%.
What is Senmiao Technology Ltd's EBITDA?
Senmiao Technology Ltd (AIHS) had EBITDA of -$3.0M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
What is Senmiao Technology Ltd's gross margin?
Senmiao Technology Ltd (AIHS) had a gross margin of 25.1% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.
What is Senmiao Technology Ltd's operating margin?
Senmiao Technology Ltd (AIHS) had an operating margin of -114.1% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
What is Senmiao Technology Ltd's net profit margin?
Senmiao Technology Ltd (AIHS) had a net profit margin of -109.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Senmiao Technology Ltd's free cash flow?
Senmiao Technology Ltd (AIHS) generated $499K in free cash flow during fiscal year 2025. This represents a 175.1% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Senmiao Technology Ltd's operating cash flow?
Senmiao Technology Ltd (AIHS) generated $500K in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Senmiao Technology Ltd's total assets?
Senmiao Technology Ltd (AIHS) had $5.8M in total assets as of fiscal year 2025, including both current and long-term assets.
What are Senmiao Technology Ltd's capital expenditures?
Senmiao Technology Ltd (AIHS) invested $2K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Senmiao Technology Ltd's current ratio?
Senmiao Technology Ltd (AIHS) had a current ratio of 0.43 as of fiscal year 2025, which is below 1.0, which may suggest potential liquidity concerns.
What is Senmiao Technology Ltd's debt-to-equity ratio?
Senmiao Technology Ltd (AIHS) had a debt-to-equity ratio of -3.03 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Senmiao Technology Ltd's return on assets (ROA)?
Senmiao Technology Ltd (AIHS) had a return on assets of -64.2% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
Why is Senmiao Technology Ltd's debt-to-equity ratio negative or unusual?
Senmiao Technology Ltd (AIHS) has negative shareholder equity of -$2.9M as of fiscal year 2025, which causes the debt-to-equity ratio to appear negative or not meaningful. This can occur when accumulated losses exceed invested capital, or after large share buyback programs. Other solvency metrics like the current ratio or interest coverage may be more informative.
What is Senmiao Technology Ltd's Piotroski F-Score?
Senmiao Technology Ltd (AIHS) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Senmiao Technology Ltd's earnings high quality?
Senmiao Technology Ltd (AIHS) has an earnings quality ratio of -0.13x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Senmiao Technology Ltd?
Senmiao Technology Ltd (AIHS) scores 16 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.