Senmiao Technology (VAI) Debt Ratio (2018 - 2025)
Senmiao Technology's Debt Ratio came in at 0.02 for fiscal Q3 2026 (quarter ended Dec 31, 2025), down 22.5% from 0.03 a year earlier and down 29.5% from the prior quarter.
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Analysis
Senmiao Technology (VAI) Debt Ratio (2018 - 2025) Analysis & Trends
For FY2025 (ended Mar 31, 2025), Senmiao Technology's Debt Ratio was 0.03, down 25.7% from FY2024.
- Going back by fiscal year, Debt Ratio was 0.04 in FY2024, 0.00 in FY2023 (-84.1%), 0.01 in FY2022 (+286.3%) and 0.00 in FY2021 (-89.2%).
- The fiscal Q3 2026 figure represents the lowest quarterly Debt Ratio since fiscal Q2 2025.
- Year-over-year, Debt Ratio increased in three of the last six quarters, with growth averaging 9.1%.
- The fastest year-over-year change in Debt Ratio over five years came in fiscal Q2 2024 (growth of 613.1%), and the weakest in fiscal Q1 2024 (a decline of 96.0%).
- Business Quant data shows VAI's Debt Ratio at 0.04 (Q2 2026), 0.05 (Q1 2026) and 0.03 (Q4 2025) in the three fiscal quarters before Q3 2026.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Debt Ratio (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 43.26 Bn | 28.94 Bn | - | 0.27 |
| 2 | Orix | 42.40 Bn | 42.90 Bn | - | 0.35 |
| 3 | Royalty Pharma | 33.56 Bn | 33.47 Bn | - | 0.45 |
| 4 | Federal National Mortgage Association Fannie Mae | 24.47 Bn | 24.47 Bn | - | - |
| 5 | Affirm Holdings | 23.34 Bn | 17.03 Bn | - | 0.21 |
| 6 | Synchrony Financial | 23.06 Bn | -44.91 Bn | - | 0.06 |
| 7 | Royal Gold | 19.98 Bn | 19.21 Bn | 390.45 Mn | 0.04 |
| 8 | Annaly Capital Management | 14.18 Bn | 5.27 Bn | - | 0.24 |
| 9 | Ares Capital | 13.71 Bn | 11.15 Bn | - | - |
| 10 | Senmiao Technology | 10.88 Mn | -6.51 Mn | 61,692.00 | - |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Dec 31, 2025 | 0.02 |
| Sep 30, 2025 | 0.04 |
| Jun 30, 2025 | 0.05 |
| Mar 31, 2025 | 0.03 |
| Dec 31, 2024 | 0.03 |
| Sep 30, 2024 | 0.02 |
| Jun 30, 2024 | 0.04 |
| Mar 31, 2024 | 0.04 |
| Dec 31, 2023 | 0.03 |
| Sep 30, 2023 | 0.02 |
| Jun 30, 2023 | 0.00 |
| Mar 31, 2023 | 0.00 |
| Dec 31, 2022 | 0.00 |
| Sep 30, 2022 | 0.00 |
| Jun 30, 2022 | 0.01 |
| Mar 31, 2022 | 0.01 |
| Dec 31, 2021 | 0.03 |
| Sep 30, 2021 | 0.04 |
| Jun 30, 2021 | 0.02 |
| Mar 31, 2021 | 0.00 |
API Access
Senmiao Technology Debt Ratio API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=debt-ratio&ticker=VAI&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "debt-ratio", "ticker": "VAI", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=debt-ratio&ticker=VAI&period=max&api_key=YOUR_API_KEY");
const data = await res.json();