Company Overview
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 and Hong Kong. The company offers 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 also provides automobile, life, health, group accidents, 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 its insurance products 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.
Recent Developments
- Sep 2025 Revenue of $365.27K (-99.9% YoY); net profit $-748.41K.
- Trailing 12 Months Year-on-year growth — revenue +12.6%.
- 5-Year Trend Long-term compounding — profit CAGR -33.4%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | - |
| 1 Year: | 12.60% |
Compounded Profit Growth
| 5 Years: | -33.36% |
| 1 Year: | - |
Stock Price Performance
| 1 Year: | -24.00% |
| 6 Months: | -13.64% |
| 3 Months: | -9.09% |
| 1 Month: | +4.40% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMAAbove
- RSI (14)50.12 · Neutral
P/E of inf is above the sector median of 13.68 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
- Trading at a high P/E of inf.
- Earnings shrank at -33.4% CAGR over 5 years.
- Trading 41.4% below its 52-week high.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | XHG XChange TEC.INC | 0.95 | inf | $48.98M | 0.00% | 0.08% | 0.09% | - | -33.36% |
| 2 | JPM JPMorgan Chase & Co. SPX | 351.79 | 16.85 | $942.63B | 1.87% | - | 16.47% | 5.35% | 7.56% |
| 3 | BRK-B Berkshire Hathaway Inc. SPX | 511.54 | 15.23 | $715.29B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPX | 366.13 | 31.95 | $607.67B | 0.75% | 37.15% | 60.35% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPX | 573.10 | 33.18 | $502.63B | 0.65% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPX | 61.95 | 15.37 | $434.76B | 1.88% | - | 10.64% | 6.00% | 3.49% |
| 7 | MS Morgan Stanley SPX | 210.42 | 19.06 | $331.89B | 1.76% | - | 16.39% | 3.76% | 9.66% |
| 8 | GS The Goldman Sachs Group, Inc. SPX | 1,018.38 | 15.73 | $300.43B | 1.58% | - | 16.95% | - | 2.21% |
| 9 | WFC Wells Fargo & Company SPX | 86.45 | 13.36 | $264.55B | 2.11% | - | 12.03% | 4.02% | 15.98% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Profit & Loss (Annual)
Figures in USD.
| Metric | Sep 2021 | Sep 2022 | Sep 2023 | Sep 2024 | Sep 2025 |
|---|---|---|---|---|---|
| Revenue | - | 0 | 0 | 288.37M | 365.27K |
| Cost of Revenue | - | 0 | 0 | 274.90M | 357.27K |
| Gross Profit | - | 0 | 0 | 13.47M | 8.00K |
| Operating Expenses | - | 29.36M | 23.54M | 27.31M | 42.39K |
| Operating Income | - | -29.36M | -23.54M | -13.85M | -34.39K |
| EBITDA | - | -453.04M | -23.54M | -586.25M | -720.45K |
| Interest Expense | - | 42.04M | 1.56M | 26.11M | 27.52K |
| Pretax Income | - | -495.08M | -25.10M | -612.62M | -748.37K |
| Tax Provision | - | 0 | 0 | 548.00K | 46 |
| Net Income | - | 820.02M | -71.31M | -226.82M | -748.41K |
| Diluted EPS | -829,699.71 | 0.00 | 0.00 | 0.00 | - |
Balance Sheet (Annual)
Figures in USD.
| Metric | Sep 2021 | Sep 2022 | Sep 2023 | Sep 2024 | Sep 2025 |
|---|---|---|---|---|---|
| Total Assets | - | 95.54M | 85.65M | 782.84M | 69.38M |
| Current Assets | - | 71.16M | 85.65M | 67.64M | 39.86M |
| Cash & Equivalents | - | 563.00K | 286.00K | 8.09M | 10.88M |
| Inventory | - | - | - | - | - |
| Receivables | - | 752.00K | 0 | 36.28M | 23.45M |
| Total Liabilities | - | 668.40M | 729.08M | 1.34B | 949.52M |
| Current Liabilities | - | 668.40M | 729.08M | 1.34B | 949.17M |
| Long Term Debt | 514.91M | - | - | - | - |
| Total Debt | - | 6.54M | 44.43M | 1.10B | 701.11M |
| Total Equity | - | -572.86M | -643.42M | -556.57M | -880.14M |
| Shares Outstanding | - | 25.88M | 28.38M | 795.11M | 123.72B |
Cash Flows (Annual)
Figures in USD.
| Metric | Sep 2021 | Sep 2022 | Sep 2023 | Sep 2024 | Sep 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | -44.33M | -39.87M | -9.77M | -11.70K |
| Investing Cash Flow | - | -11.47M | 0 | 10.17M | -490 |
| Financing Cash Flow | - | 34.05M | 37.89M | 8.67M | 18.79K |
| Capital Expenditure | -2.00K | - | - | - | - |
| Free Cash Flow | - | -44.33M | -39.87M | -9.77M | -11.70K |
| Net Change in Cash | - | -21.75M | -1.98M | 9.07M | 6.60K |
Ratios (Annual)
Figures in %.
| Metric | Sep 2021 | Sep 2022 | Sep 2023 | Sep 2024 | Sep 2025 |
|---|---|---|---|---|---|
| Gross Margin % | - | - | - | 4.7% | 2.2% |
| Operating Margin % | - | - | - | -4.8% | -9.4% |
| Net Margin % | - | - | - | -78.7% | -204.9% |
| ROE % | - | -143.1% | 11.1% | 40.8% | 0.1% |
| ROCE % | - | 5.1% | 3.7% | 2.5% | 0.0% |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Morgan Stanley | - | 15 | $14 |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for XHG
XHG — Frequently Asked Questions
What is the current share price of XChange TEC.INC (XHG)?
As of 2026-08-02 19:16 PDT, XChange TEC.INC (XHG) trades at $0.95 on NasdaqCM. Its 52-week range is $0.78 to $1.62.
What is the market capitalisation of XHG?
XChange TEC.INC (XHG) has a market capitalisation of $48.98M on NasdaqCM.
What is the P/E ratio of XHG?
XHG trades at a trailing price-to-earnings (P/E) ratio of inf. The industry average P/E is 13.68. Its price-to-book (P/B) ratio is -0.38.
What is the return on equity (ROE) of XHG?
XHG has a return on equity (ROE) of 0.09%. Its return on capital employed (ROCE) is 0.08%.
Is XHG a good stock to buy?
This page provides a data-driven analysis of XChange TEC.INC (XHG), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.