NASDAQ · Insurance - Brokers

XChange TEC.INC (XHG) Stock

$2.20 -7.56% NASDAQ: XHG Financial Services

XChange TEC.INC, together with its subsidiaries, engages in the insurance agency and insurance technology businesses primarily to individual end consumers in the People’s Republic of China. The company provides a various insurance products underwritten by insurance companies, including industry state-owned property and casualty insurance companies, as well as certain regional property and casualty insurance companies.

Valuation

MetricValue
Price$2.20
Market Cap$113.41M
P/E Ratio-7.68
P/B Ratio-0.88
P/S Ratio1.99
EPS (TTM)$-5.04
52-Week High$7.23
52-Week Low$0.65
Dividend Yield0.00%

Financials & Margins

MetricValue
ROE10.02%
ROA-134.95%
ROCE4.67%
Gross Margin2.41%
Operating Margin-7.51%
Net Margin-22.93%
Debt/Equity-0.78
Current Ratio0.04

Annual Financials (USD)

Metric20212022202320242025
Revenue$1.0B$0$0$40.0M$0
Operating Profit$-168.0M$-29.0M$-24.0M$-13.0M$0
Net Profit$-564.0M$820.0M$-71.0M$-227.0M$-1.0M
EPS$-936.00$2.16$-178.80$-168.24$-5.04
Op Margin-16.4%——-33.7%-9.4%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$377.0M$96.0M$86.0M$783.0M$69.0M
Total Liabilities$2.9B$94.0M$729.0M$1.3B$950.0M
Cash$19.0M$1.0M$0$8.0M$11.0M
Borrowings$1.1B$7.0M$6.0M$1.1B$701.0M

Latest News

XChange TEC Plans U.S. AI Business Expansion With Up to $10 Million Investment InvestorsHub · Oct 6, 2026 XChange TEC.INC Announces Proposed U.S. AI Business Expansion and Reduction of Mainland China Operations PR Newswire · Oct 6, 2026 XChange TEC.INC Announces Intent to Acquire First Cycle, INC., Accelerating AI-Powered Insurance Transformation PR Newswire · Aug 13, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$-109.0M$-43.0M$-40.0M$-10.0M$0
Investing Cash Flow$-6.0M$-12.0M$0$10.0M$0
Financing Cash Flow$0$-1.0M$0$0$0
Net Cash Flow$-11.0M$-21.0M$-2.0M$12.0M$0
Free Cash Flow$-109.0M$-43.0M$-40.0M$-10.0M$0

Valuation & Return Ratios

MetricValue
PEG Ratio-0.72
EV / EBITDA-21.14
FCF Yield-0.44%
Quick Ratio0.04
Interest Coverage-1.46
Return 1Y71.88%
Return 3Y-99.95%
Return 5Y-100.00%

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AAPLApple Inc. $336.64 -1.11% 38.93 $4.94T 0.32%
MSFTMicrosoft Corporation $535.07 +2.38% 28.68 $3.97T 0.76%
GOOGLAlphabet Inc. $351.66 +0.97% 16.94 $4.26T 0.26%
AMZNAmazon.com, Inc. $262.43 +3.29% 19.82 $2.82T 0.00%
METAMeta Platforms, Inc. $718.67 -0.31% 27.93 $1.83T 0.28%

About XChange TEC.INC

XChange TEC.INC, together with its subsidiaries, engages in the insurance agency and insurance technology businesses primarily to individual end consumers in the People’s Republic of China. The company provides a various insurance products underwritten by insurance companies, including industry state-owned property and casualty insurance companies, as well as certain regional property and casualty insurance companies. It offers automobile, life, health, group accident, and other property related insurance products. In addition, the company operates a SaaS platform to offers comprehensive services to offline and online customers. It sells insurance primarily through a network of external referral sources that include external registered sales representatives, distribution channel partners, and through its in-house sales force. The company was formerly known as FLJ Group Limited and changed its name to XChange TEC.INC in May 2024. XChange TEC.INC was founded in 2007 and is based in Shanghai, the People’s Republic of China.

XChange TEC.INC is headquartered in CN.

XChange TEC.INC (XHG) stock trades at $2.20 with a market capitalization of $113.41M. The stock is valued at a price-to-earnings (P/E) ratio of -7.68, price-to-book of -0.88, price-to-sales of 1.99. Over the past 52 weeks the stock has ranged between $0.65 and $7.23, and currently trades 69.6% below its 52-week high.

On profitability, XChange TEC.INC generates a return on equity (ROE) of 10.02%, return on capital employed of 4.67%, an operating margin of -7.51%, a net profit margin of -22.93%.

Official website: ir.xhghk.com

Related Financial Services Stocks

BRK.A Berkshire Hathaway Inc. $733370.00 +0.00% BRK.B Berkshire Hathaway Inc. New $482.70 +0.00% JPM JP Morgan Chase & Co. $332.99 +0.47% V Visa Inc. $385.45 +2.76% MA Mastercard Incorporated $589.14 +2.66% BAC Bank of America Corporation $54.32 +1.32% HSBC HSBC Holdings, plc $92.98 +0.40% MS Morgan Stanley $190.02 +1.38% RY Royal Bank Of Canada $191.91 +0.71% GS Goldman Sachs Group, Inc. (The) $895.32 +1.44% WFC Wells Fargo & Company $83.55 +1.85% MUFG Mitsubishi UFJ Financial Group, Inc. $22.38 -0.44%

Popular Stocks

Apple (AAPL)Microsoft (MSFT)NVIDIA (NVDA)Alphabet (GOOGL)Amazon (AMZN)Meta (META)Tesla (TSLA)Broadcom (AVGO)Eli Lilly (LLY)Exxon Mobil (XOM)

Screens featuring this stock

High ROE Financial Services StocksLow P/E Financial Services StocksHigh Net Margin Financial Services StocksDividend Financial Services StocksLow Debt Financial Services StocksNasdaq High ROE StocksAll stock screens
Run Stock Screener Investing Guides