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Upturn AI SWOT - About
Senmiao Technology Ltd (AIHS)
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Upturn Advisory Summary
06/04/2025: AIHS (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $0
1 Year Target Price $0
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 43.51% | Avg. Invested days 34 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 06/04/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 3.15M USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.8 | 52 Weeks Range 0.26 - 1.70 | Updated Date 06/29/2025 |
52 Weeks Range 0.26 - 1.70 | Updated Date 06/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.35 |
Earnings Date
Report Date 2025-06-23 | When After Market | Estimate - | Actual - |
Profitability
Profit Margin -56.67% | Operating Margin (TTM) -76.78% |
Management Effectiveness
Return on Assets (TTM) -24.86% | Return on Equity (TTM) -84.93% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 2674399 | Price to Sales(TTM) 0.54 |
Enterprise Value 2674399 | Price to Sales(TTM) 0.54 | ||
Enterprise Value to Revenue 0.45 | Enterprise Value to EBITDA -2.66 | Shares Outstanding 10518000 | Shares Floating 9348224 |
Shares Outstanding 10518000 | Shares Floating 9348224 | ||
Percent Insiders 11.12 | Percent Institutions 0.24 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Senmiao Technology Ltd
Company Overview
History and Background
Senmiao Technology Ltd. facilitates loan connections and related services in China, primarily focused on the auto finance market. Founded in 2011, it operates as a platform connecting borrowers and lenders.
Core Business Areas
- Loan Facilitation: Connects borrowers, especially those seeking auto loans, with lenders.
- Related Services: Provides services related to the loan process, potentially including insurance or other value-added offerings. Facilitates collection and guarantees.
Leadership and Structure
Details on the leadership team and organizational structure are not readily available without deeper research, but generally include a CEO, CFO, and a board of directors typical of a public company.
Top Products and Market Share
Key Offerings
- Auto Loan Facilitation: The core service connects individuals and small businesses seeking auto financing with lending institutions. Market share data is difficult to ascertain precisely, due to the fragmented nature of the Chinese auto finance market. Competitors include other online lending platforms and traditional banks.
Market Dynamics
Industry Overview
The industry is characterized by high growth potential and significant regulatory changes, specifically with respect to online lending. The market has a high demand for consumer finance which includes auto loans and is impacted by Chinese government regulations regarding digital lending.
Positioning
Senmiao attempts to position itself as a facilitator with access to both borrowers and lenders to grow as the Chinese market grows. Differentiation from competitors would involve technology, risk management, and the breadth of lending partners.
Total Addressable Market (TAM)
The Chinese auto finance market is substantial, estimated in the billions of dollars. Senmiao's position hinges on capturing a fraction of this vast market through its facilitation services.
Upturn SWOT Analysis
Strengths
- Established platform in China
- Focus on the auto finance market
- Technology-driven loan facilitation
Weaknesses
- Heavy reliance on regulatory environment in China
- Exposure to credit risk associated with loans facilitated
- Limited brand recognition outside of its core market
Opportunities
- Expansion into other financial service offerings
- Strategic partnerships with leading automotive manufacturers or lenders
- Leveraging technology to improve risk assessment
Threats
- Changes in Chinese regulations regarding online lending
- Increased competition from established financial institutions
- Economic downturn impacting the demand for auto loans
Competitors and Market Share
Key Competitors
- LFIN
Competitive Landscape
Competitive landscape is very fragmented. Senmiao competes with other online lending platforms and traditional financial institutions. Senmiao's ability to differentiate through technology and risk management is key to success.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been inconsistent, influenced by regulatory changes and the evolving auto finance market in China.
Future Projections: Future projections are difficult to ascertain given the regulatory environment in China
Recent Initiatives: Specific strategic initiatives are difficult to ascertain without insider information but would likely focus on navigating regulatory changes and improving its platform.
Summary
Senmiao Technology Ltd. operates in a challenging and volatile market environment due to regulatory uncertainty in China. The company's success hinges on its ability to adapt to changing regulations, differentiate its platform, and manage risk effectively. Financial performance and growth have been inconsistent, reflecting the challenges in the industry. The company has minimal market share and must continue to grow to stay relevant. The company must look out for more governmental regulation and competition.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC filings, company website, industry reports.
Disclaimers:
This analysis is based on publicly available information and is subject to change. It is not financial advice and should not be considered as such.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Senmiao Technology Ltd
Exchange NASDAQ | Headquaters - | ||
IPO Launch date 2018-03-16 | Chairman, CEO, President & Secretary Mr. Xi Wen | ||
Sector Financial Services | Industry Credit Services | Full time employees 55 | Website https://www.senmiaotech.com |
Full time employees 55 | Website https://www.senmiaotech.com | ||
Senmiao Technology Limited engages in the automobile transaction and related services business in the People's Republic of China. The company operates through Automobile Transaction and Related Services, and Online Ride-Hailing Platform Services segments. It also offers car rental services to individual customers; and auto finance solutions through financing leases. In addition, the company engages in automobile sales comprising sale of new purchased or used cars; and the provision of supporting services, as well as auto management and guarantee services provided to online ride-hailing drivers. Further, it provides new energy vehicles leasing, automobile purchase, and management services, such as ride-hailing driver training, assisting with a series of administrative procedures, and other consulting services, as well as credit assessment, installation of GPS devices, ride-hailing driver qualification, and other administrative procedures. Additionally, the company operates Xixingtianxia, an online ride-hailing platform that enables qualified ride-hailing drivers to provide transportation services mainly in Chengdu, Changsha, Guangzhou, and other cities in China. Senmiao Technology Limited was founded in 2014 and is based in Chengdu, the People's Republic of China.
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