XChange TEC.INC(XHG)Earnings, Financials & Key Ratios
XHG•NASDAQ
$0.88
Price updated Jul 7, 2026
SectorReal EstateIndustryReal Estate ServicesSub-IndustryReal estate data, listings and marketplaces
AboutXChange TEC.INC engages in the professional insurance agency business in the People's Republic of China. The company provides a various insurance products underwritten by insurance companies, including state-owned property and casualty insurance companies, as well as various regional property and casualty insurance companies. It also offers automobile, life, health, group accident, and other property related insurances primarily to individual end consumers. In addition, the company operates a SaaS platform to offer comprehensive services to online customers. It sells insurance primarily through a network of external referral sources that include external registered sales representatives and strategic channel partners, as well as through the 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 2012 and is based in Shanghai, the People's Republic of China.Show more
- Revenue$365K-99.9%
- EBITDA$356K+100.1%
- Net Income-$748K+99.7%
- EPS (Diluted)-84647.93-1107.9%
- Gross Margin2.19%-53.1%
- EBITDA Margin97.6%+147.8%
- Operating Margin-9.41%+95.4%
- Net Margin-204.9%-160.5%
XHG Price & Volume
XChange TEC.INC (XHG) stock price & volume — 10-year historical chart
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XChange TEC Faces Total Business Model Collapse
Investment Thesis • Updated 2025Q4
VerdictNegative
Growth:Contracting
Profitability:Negative
Financial:Vulnerable
Cash Flow:Burning
Primary Risk:Insolvency and Business Failure
Key Thesis Takeaways
- XChange TEC.INC has undergone a catastrophic erosion of its core business, transitioning from a legacy rental model to an ineffective insurance brokerage service that fails to generate meaningful revenue.
- The company's financial position is characterized by deep insolvency, evidenced by negative shareholder equity of $880.3 million and a near-total depletion of productive assets.
- Investors face extreme risk as the firm struggles with a 0.04 current ratio and a lack of viable pathways to restore operational sustainability.
Verdict Logic
the company's current ratio of 0.04 and massive negative equity position suggest an imminent risk of insolvency that outweighs any potential speculative upside.
XHG Growth Metrics
XChange TEC.INC (XHG) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years-80.23%
3 Years-91.76%
TTM-74.15%
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-31.23%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM100%
Return on Capital
10 Years-100.44%
5 Years-41.2%
3 Years-41.2%
Last Year-0.01%
Peers Comparison
Key metrics vs top competitors for XChange TEC.INC (XHG)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $0.88 | $18.32M | -0.00 | -99.87% | -204.9% | — | — | |
| $1.56 | $25.48M | -0.37 | 602.37% | -183.5% | -860.83% | — | |
| $1.65 | $537.3M | -5.32 | -30.65% | -146.01% | -0.11% | — | |
| $0.39 | $8.55M | -1.30 | -3.07% | -17.49% | -40.41% | — | |
| $0.58 | $2.99M | -0.25 | 77.47% | -37.88% | -3.64% | — | |
| $0.40 | $8M | -0.58 | -3.73% | -64.25% | -9.15% | — |
Compare XHG vs Peers
XChange TEC.INC (XHG) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
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XHG Frequently Asked Questions
XChange TEC.INC (XHG) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
What is XChange TEC.INC's revenue?
XChange TEC.INC (XHG) reported $288.7M in revenue for fiscal year 2025. This represents a 45% decrease from $522.7M in 2017.
How fast is XChange TEC.INC growing?
XChange TEC.INC (XHG) saw revenue decline by 99.9% over the past year.
Is XHG profitable?
XChange TEC.INC (XHG) reported a net loss of $965.6M for fiscal year 2025.
Dividend & Returns
What is XChange TEC.INC's free cash flow?
XChange TEC.INC (XHG) had negative free cash flow of $21.1M in fiscal year 2025, likely due to heavy capital investments.