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Equity
XChange TEC.INC(XHG)
USD --+0.00%
Reward34Low
Risk71High
📊75%Data
Revenue growing 129% YoY
XHG
+0.0 · +0.00%
USD · NASDAQ
XChange TEC.INC | Financial Services
Capital Destroyer
Market Cap:46.26M
ℹ️
Reward Rating
34
Low
Bottom 5% (model universe)
75% data coverage
ℹ️
Risk Rating
71
High
Risk Assessment
ℹ️

Educational tool only – Scores are based on historical data and financial metrics for informational purposes. This is not financial advice or a recommendation to buy or sell any security. Always conduct your own research or consult a qualified financial adviser.

ℹ️ Educational tool only · More
Limited data coverage
We don't have enough public data on XHG to score it reliably yet — Reward, Risk, Forecasts and Dividends tabs aren't available for this stock. The price chart and basic profile are still shown.
OTC / ADR stock — scores and fundamentals use data tagged in USD by our provider. The issuer may report in a different home currency (e.g. JPY), so treat figures as directional rather than precise.
Not available for limited-coverage stocks
The overview tab requires fundamentals and price history we don't have for this stock. The price chart is the most reliable view we have — try the Chart tab.

Market Performance

Stock returned +10.0% over the past year, broadly in line with market conditions.

What is XChange TEC.INC?

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.

XHG · Verdict

Limited reward · high risk

XHG's standout is volatility; balance sheet and profitability weigh on the picture.

Based on 88% data coverage

XHG · Verdict

What’s working & what to watch

Strengths 1

  • Volatility75/100

    Above average

Watchouts 4

  • Balance sheet6/100

    Current ratio 0.06

  • Profitability9/100

    -205% net margin · 0% ROE

  • Cash flow20/100

    -3% free-cash-flow margin

  • Growth28/100

    Revenue -17.9% CAGR

Model-based scoring. For information only — not financial advice.

What is XChange TEC.INC?

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. The company is listed on the NASDAQ in USA, operating in the Financial Services sector, with a market capitalisation of 46.26M.

Financial Highlights

Investment Breakdown

📈 Growth
Revenue and earnings growing steadily, indicating improving operating performance.
💰 Profitability
Thin or inconsistent margins weigh on earnings quality.
⚠️ Risk
Performance tied to macro conditions — sensitive to interest rate cycles.
💸 Valuation
Valuation appears fair relative to current fundamentals.

OpenBook Logo Analysis

Reward: Low (34)

The scoring profile indicates weak reward characteristics across most factors, including valuation and momentum. Risk indicators are high — this profile reflects meaningful downside exposure.

For informational purposes only. Not financial advice.

Company Information
SectorFinancial Services
Market Cap46.26M
P/E Ratio0.0093
Dividend YieldN/A
52 Week High22.6
52 Week Low0.65
Last AnnualSeptember
IPO Date5/29/2024
IncorporatedUSA
Shares Outstanding47M
No. of Employees30
IndustryInsurance Brokers
ExchangeNASDAQ
Beta-1.024
CurrencyUSD · Reports in CNY
Websiteir.xhghk.com
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