XChange TECINC (XHG)
NASDAQ:XHG
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Positive Factors
Business Model Strength
The diversified revenue streams from transaction fees, subscriptions, and licensing provide a stable income base, reducing reliance on a single source and supporting long-term financial sustainability.
Negative Factors
Declining Revenue
A sharp decline in revenue indicates potential loss of market share or demand, posing risks to financial stability and necessitating strategic adjustments.
Read all positive and negative factors
Positive Factors
Negative Factors
Business Model Strength
The diversified revenue streams from transaction fees, subscriptions, and licensing provide a stable income base, reducing reliance on a single source and supporting long-term financial sustainability.
Read all positive factors
XChange TECINC (XHG) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$48.97M
Dividend YieldN/A
Average Volume (3M)1.39M
Price to Earnings (P/E)―
Beta (1Y)-1.14
Revenue GrowthN/A
EPS GrowthN/A
CountryUS
Employees30
SectorFinancial
Sector Strength70
IndustryInsurance - Diversified
Share Statistics
EPS (TTM)-5.04
Shares Outstanding46,604,620
10 Day Avg. Volume24,597
30 Day Avg. Volume1,393,734
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)>-0.01
Price to Sales (P/S)1.42
P/FCF Ratio-44.39
Enterprise Value/Market Cap15.11
Enterprise Value/Revenue14.61
Enterprise Value/Gross Profit667.22
Enterprise Value/Ebitda-7.42
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
XChange TECINC Business Overview & Revenue Model
Company Description
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 underwr...
How the Company Makes Money
XChange TECINC generates revenue primarily through transaction fees, subscription models, and licensing of their technology platforms. The company charges fees for each transaction processed via its digital payment systems and cryptocurrency excha...
XChange TECINC Financial Statement Overview
Summary
Income Statement
Balance Sheet
Cash Flow
| Breakdown | Sep 2025 | Sep 2024 | Sep 2023 | Sep 2022 | Sep 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 365.27K | 40.01M | 0.00 | 0.00 | 159.18M |
| Gross Profit | 8.00K | 1.83M | 0.00 | 0.00 | 604.96K |
| EBITDA | -99.89M | -81.35M | -3.33M | -69.14M | -55.75M |
| Net Income | -103.77M | -226.82M | -71.31M | 820.02M | -87.44M |
Balance Sheet | |||||
| Total Assets | 69.38M | 782.84M | 85.65M | 95.54M | 58.44M |
| Cash, Cash Equivalents and Short-Term Investments | 12.77M | 10.12M | 39.16K | 563.00K | 2.98M |
| Total Debt | 701.11M | 1.10B | 6.08M | 6.54M | 168.94M |
| Total Liabilities | 949.52M | 1.34B | 729.08M | 668.40M | 442.97M |
| Stockholders Equity | -880.14M | -556.57M | -88.09M | -572.86M | -386.02M |
Cash Flow | |||||
| Free Cash Flow | -11.70K | -9.77M | -39.87M | -6.04M | -16.85M |
| Operating Cash Flow | -11.70K | -9.77M | -39.87M | -6.04M | -16.85M |
| Investing Cash Flow | -490.00 | 10.17M | 0.00 | -1.75M | -996.38K |
| Financing Cash Flow | 18.79K | 8.67M | 37.89M | 4.47M | 15.61M |
XChange TECINC Technical Analysis
Negative
1.08
Price Trends
1.03
Negative
0.95
Positive
1.00
Negative
Market Momentum
>-0.01
Positive
47.76
Neutral
17.30
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For XHG, the sentiment is Negative. The current price of 1.08 is above the 20-day moving average (MA) of 1.00, above the 50-day MA of 1.03, and above the 200-day MA of 1.00, indicating a bearish trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 47.76 is Neutral, neither overbought nor oversold. The STOCH value of 17.30 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for XHG.
XChange TECINC Risk Analysis
XChange TECINC disclosed 88 risk factors in its most recent earnings report. XChange TECINC reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
XChange TECINC Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
| ― | $48.97M | >-0.01 | 9.88% | ― | ― | ― | |
54 Neutral | $138.87M | -4.09 | -38.97% | ― | 33.88% | 26.75% | |
52 Neutral | $22.52M | -0.37 | -111.72% | ― | -38.65% | 43.87% | |
44 Neutral | $40.59M | -1.60 | -49.25% | ― | 25.45% | 31.31% |
* Financial Sector Average
XHG
XChange TECINC
0.98
-0.30
-23.41%
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Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: ―