XChange TEC.INC
XHGNASDAQFinancial ServicesInsurance - Brokers
Previous close
$4.41
−$0.21 · -4.55%
XHG company overview
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GoAI score
Sell
Trim exposure — unfavorable risk-reward
Valuation
60
Fair Value
Momentum
26
Weakening
Sentiment
48
Mixed
Risk resilience
31
High Risk
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Company profile
Company websiteXChange 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.
- Industry
- Insurance - Brokers
- Sector
- Financial Services
- Headquarters
- CN
- CEO
- Zhichen Sun
- Listed since
- Nov 5, 2019
- Employees
- 30
Market position
Day range
Current $4.41
52-week range
Current $4.41
- Open
- $4.59
- Previous close
- $4.62
- Volume
- 55.26K
- 1.6× average
- Average volume
- 34.45K
- Average daily volume
- Market cap
- 227.33M USD
- Beta
- -0.81
- Market reference 1
- 50-day average
- $1.4005
- +214.88% above average
- 200-day average
- $1.0509
- +319.63% above average
Financials
Financial snapshot
Latest / TTMValuation & yield
- Enterprise value
- 875.06M CNY
- P/E (TTM)
- -15.44×
- P/B (TTM)
- -1.76×
- P/S (TTM)
- 4×
- EV / EBITDA
- -8.76×
- Earnings yield
- -0.40%
- Free cash flow yield
- -0.01%
- Dividend yield
- 0.00%
Profitability & efficiency
- Gross margin
- 2.41%
- Operating margin
- -7.51%
- Net margin
- -22.93%
- Return on equity
- 0.09%
- Return on assets
- -1.08%
- Return on invested capital
- 0.02%
Financial health
- Debt / equity
- -0.78×
- Current ratio
- 0.04×
Financial statements
Margin trends
Profitability as a percentage of reported revenue.
Income trends
Revenue
Operating income
Net income
| Metric (CNY) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 365.27K CNY | 40.01M CNY | — | — | 1.03B CNY |
| Cost of goods sold | 357.27K CNY | 38.18M CNY | — | — | 1.02B CNY |
| Gross profit | 8K CNY | 1.83M CNY | — | — | 3.9M CNY |
| Research and development | — | 24K CNY | 46K CNY | 22K CNY | — |
| Selling, general, and administrative | 42.39K CNY | 27.29M CNY | 23.49M CNY | 29.33M CNY | — |
| Operating expenses | 728.34K CNY | 3.75M CNY | 3.33M CNY | 4.48M CNY | 172.33M CNY |
| Interest expense | 3.82M CNY | 3.62M CNY | 221.74K CNY | 6.42M CNY | 126.18M CNY |
| Depreciation and amortization | 54.9K CNY | 36.22K CNY | — | — | 78.28M CNY |
| Operating income | −34.39K CNY | −13.47M CNY | −23.54M CNY | −29.36M CNY | −168.42M CNY |
| Net income | −748.41K CNY | −226.82M CNY | −71.31M CNY | 820.02M CNY | −564.18M CNY |
Company facts updated Aug 24, 2026.
Corporate actions
Corporate action history
| Action | Effective date | Details | Record date | Payment date |
|---|---|---|---|---|
Stock split | May 9, 2025 | 1:20 | — | — |
Stock split | Nov 8, 2024 | 1:20 | — | — |
Stock split | Dec 7, 2023 | 1:40 | — | — |
Stock split | Mar 7, 2022 | 1:5 | — | — |
Effective May 9, 2025
1:20
Effective Nov 8, 2024
1:20
Effective Dec 7, 2023
1:40
Effective Mar 7, 2022
1:5
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