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Upturn AI SWOT - About
Senmiao Technology Ltd (AIHS)
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Upturn Advisory Summary
04/01/2025: AIHS (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 50.9% | Avg. Invested days 34 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 9.49M USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) 9143 | Beta 0.62 | 52 Weeks Range 0.74 - 1.45 | Updated Date 03/31/2025 |
52 Weeks Range 0.74 - 1.45 | Updated Date 03/31/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.35 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Earnings Date
Report Date - | When - | 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 9013622 | Price to Sales(TTM) 1.61 |
Enterprise Value 9013622 | Price to Sales(TTM) 1.61 | ||
Enterprise Value to Revenue 1.53 | Enterprise Value to EBITDA -2.66 | Shares Outstanding 10518000 | Shares Floating 9348224 |
Shares Outstanding 10518000 | Shares Floating 9348224 | ||
Percent Insiders 11.12 | Percent Institutions 0.08 |
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 transactions and provides automobile transaction and related services in China. It has evolved from primarily facilitating loan transactions to incorporating automobile sales and related services.
Core Business Areas
- Loan Facilitation Services: Connects borrowers with lenders through its platform. Focuses on facilitating financing for automobile purchases.
- Automobile Sales and Related Services: Engages in the sale of automobiles, primarily to borrowers who have obtained financing through its platform. Also, provides after-sales services.
Leadership and Structure
Details on the leadership team and organizational structure are limited. Publicly available information is scarce regarding executive compensation and detailed organizational hierarchy.
Top Products and Market Share
Key Offerings
- Loan Facilitation: Facilitates loans for automobile purchases. Difficult to determine exact market share in China's fragmented auto finance market, but competes with large banks and fintech platforms. Competitors include Ant Group (688698.SH), Tencent (0700.HK), and traditional banks such as ICBC (1398.HK).
- Automobile Sales: Sells automobiles, primarily to finance customers. Market share is low compared to major auto dealerships and manufacturers. Competitors include major automotive distributors such as China Grand Automotive Services Co., Ltd. (600297.SH)
Market Dynamics
Industry Overview
The automobile finance market in China is highly competitive and regulated. It involves a mix of traditional banks, finance companies, and fintech platforms.
Positioning
Senmiao Technology Ltd occupies a niche position, focusing on facilitating loans for automobile purchases, particularly in lower-tier cities. Faces competition from larger, more established players.
Total Addressable Market (TAM)
The TAM for auto finance in China is substantial, estimated in the trillions of RMB. Senmiao holds a small fraction of this TAM, positioning them for potential growth, but also highlighting the significant competition.
Upturn SWOT Analysis
Strengths
- Focus on lower-tier cities
- Established loan facilitation platform
- Integrated automobile sales and finance model
Weaknesses
- Small market share
- Limited brand recognition
- Reliance on third-party lenders
- Financial Instability
Opportunities
- Expansion into new geographic markets
- Development of new financial products
- Partnerships with automobile manufacturers
- Increased demand for auto financing in rural areas
Threats
- Increased competition from larger players
- Changes in government regulations
- Economic downturn in China
- Fluctuations in interest rates
Competitors and Market Share
Key Competitors
- ANT GROUP (688698.SH)
- TENCENT (0700.HK)
- ICBC (1398.HK)
- China Grand Automotive Services Co., Ltd. (600297.SH)
Competitive Landscape
Senmiao faces intense competition from larger, more established companies with greater financial resources and brand recognition. Its smaller size and limited market presence are disadvantages.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been inconsistent, with periods of rapid expansion followed by financial difficulties.
Future Projections: Future projections are highly uncertain given the company's past performance and market conditions.
Recent Initiatives: Recent initiatives have focused on stabilizing the business and exploring new revenue streams.
Summary
Senmiao Technology Ltd. operates in a competitive market and has struggled financially. While it focuses on a niche market in lower-tier cities, it faces challenges from larger competitors. Its future success hinges on its ability to stabilize its financial situation and capitalize on growth opportunities. The company's volatile past requires caution and careful monitoring.
Similar Companies
- 688698.SH
- 0700.HK
- 1398.HK
- 600297.SH
Sources and Disclaimers
Data Sources:
- Company filings, Industry reports, News articles
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be made based on thorough research and consultation with a financial advisor.
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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