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Upturn AI SWOT - About
Senmiao Technology Ltd (AIHS)
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Upturn Advisory Summary
11/05/2025: AIHS (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -50.64% | Avg. Invested days 35 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/05/2025 |
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 |
Upturn AI SWOT
Senmiao Technology Ltd
Company Overview
History and Background
Senmiao Technology Ltd facilitates loan transactions and provides auto loan services in China, connecting lenders with borrowers through its online platform and offline service centers. Founded in 2011. The company's focus has evolved from connecting lenders to borrowers to also providing vehicle sales and related services.
Core Business Areas
- Auto Loan Facilitation: Connects lenders with borrowers seeking auto loans, generating revenue through transaction fees and service charges.
- Vehicle Sales: Sales of new and used vehicles through the company's network.
- Related Services: Provides value-added services such as insurance and extended warranties.
Leadership and Structure
The leadership team comprises key executives overseeing different business functions. The organizational structure includes departments for technology, sales, marketing, and finance.
Top Products and Market Share
Key Offerings
- Auto Loan Facilitation Platform: Online platform and offline service centers connecting borrowers and lenders. Market share data is not readily available. Competitors include traditional banks and other online lending platforms in China.
- Vehicle Sales (New and Used): Sales of vehicles. Market share is small relative to major auto dealerships in China. Competitors include major auto dealership groups and online auto retailers.
Market Dynamics
Industry Overview
The auto finance market in China is large and competitive, with significant growth potential driven by increasing vehicle ownership. However, regulatory changes can impact the industry.
Positioning
Senmiao Technology Ltd occupies a niche position in the auto finance market, focusing on connecting borrowers and lenders. Its competitive advantage lies in its platform and service network.
Total Addressable Market (TAM)
The TAM for auto finance in China is estimated to be in the hundreds of billions of dollars. Senmiao Technology Ltd's positioning allows it to capture a small portion of this market.
Upturn SWOT Analysis
Strengths
- Established platform
- Service network
- Experienced management team
Weaknesses
- Small market share
- Dependence on regulatory environment
- Limited brand recognition
Opportunities
- Expanding auto finance market in China
- Partnerships with lenders
- Development of new products and services
Threats
- Increased competition
- Regulatory changes
- Economic slowdown in China
Competitors and Market Share
Key Competitors
- ZTO
- BEST
- GCTK
Competitive Landscape
Senmiao faces intense competition from larger, more established companies in the auto finance and vehicle sales markets. Its competitive advantage depends on its ability to differentiate its services and build strong relationships with lenders and borrowers.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been inconsistent due to market volatility and regulatory changes.
Future Projections: Future projections are uncertain and dependent on the company's ability to execute its growth strategy.
Recent Initiatives: Recent initiatives may include expanding its service network and developing new products.
Summary
Senmiao Technology Ltd operates in a competitive market in China. Its platform provides a valuable service, but faces regulatory and competitive challenges. The company needs to execute its growth strategy effectively to improve its financial performance and shareholder returns. The business needs to expand its market share and improve brand recognition to succeed and grow.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Filings (SEC)
- Industry Reports
- Third-Party Financial Data Providers
Disclaimers:
This analysis is based on publicly available information and is not financial advice. The information provided is not guaranteed to be accurate or complete. Investors should conduct their own due diligence before making any investment decisions.
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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