XChange Tec.Inc(XHG.US)

Company Encyclopedia

XChange Tec.Inc

XHG.US

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 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.

324.59 B

XHG.USMarket value -Rank by Market Cap -/-

Financial Score

19/01/2026 Update

Insurance BrokersIndustry

Industry Ranking26/33

Industry medianC

Industry averageC

Score Analysis

Peer Comparison

Criteria
Rating
Profit ScoreB
- ROE104.18%A
- Profit Margin-204.90%E
- Gross Margin2.19%E
Growth ScoreC
- Revenue YoY25.53%A
- Net Profit YoY-226.99%E
- Total Assets YoY-91.27%E
- Net Assets YoY-55.73%E
Cash ScoreC
- Cash Flow Margin-48.81%D
- OCF YoY25.53%A
Operating ScoreB
- Turnover0.86B
Debt ScoreE
- Gearing Ratio1368.62%E

Valuation analysis

P/E

10Y

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P/B

10Y

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P/S

10Y

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Dividend Yield

10Y

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Institutional View & Shareholder

Analyst Ratings

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Shareholder

Ownership	%Owned	Share Chg	Report Date
FLJ Group Limited, ESOP	9.99%	No Change	09/05/2025
Vigorous Global Capital Management	0.05%	No Change	28/09/2024
Renaissance Technologies LLC	0.04%	No Change	30/09/2025
Two Sigma Securities, LLC	0.03%	No Change	30/09/2025
Hudson River Trading LLC	0.02%	No Change	30/09/2025
Virtu Financial, Inc.	0.02%	No Change	30/09/2025
UBS Asset Management AG	0%	No Change	30/09/2025
Morgan Stanley	0%	No Change	30/09/2025

News

In the Hong Kong stock market, the Hang Seng Index fell 11 points in the first half of the day, while POP MART rose over 8%, with consumer stocks showing an upward trend

The Hong Kong stock market fluctuated in the early session, with the Hang Seng Index opening down 19 points, rising a maximum of 74 points before retreating, ultimately closing down 11 points at 26,552 points. The National Index and the Hang Seng Tech Index fell by 11 points and 38 points, respectively. The total turnover was HKD 129.845 billion. Technology stocks generally declined, with Tencent, Baidu, Alibaba, and others all experiencing drops, while only JD.com and Bilibili saw slight increases. Consumer stocks performed relatively strongly, with POP MART rising over 8%

AASTOCKS·38 Minutes ago

09992

+8.35%

AASTOCKS·38 Minutes ago

09992

+8.35%

Exclusive commercial pension insurance interest rates exceed deposits, with 80% of returns exceeding 3%

Recently, several insurance institutions have disclosed exclusive commercial pension insurance products, showing that the settlement interest rate will exceed deposit rates by 2025, with over 80% of the products having interest rates exceeding 3%. A total of 16 institutions, including National Pension and China Life, have launched 40 products, among which 32 stable accounts and 38 aggressive accounts have settlement interest rates of 3% or above

36Kr·Yesterday at 19:46

36Kr·Yesterday at 19:46

"Hong Kong Stocks" The Hang Seng Index fell 265 points in the first half of the day, some AI stocks and pharmaceutical stocks retreated, while power equipment stocks surged

The Hong Kong stock market fell in early trading, with the Hang Seng Index down 265 points, reporting at 26,579 points. The National Index fell 77 points, and the Hang Seng Tech Index dropped 66 points. The total turnover was HKD 132.94 billion. Smartphone manufacturers like Xiaomi lowered their shipment expectations, leading to a decline in related stock prices. Roborock's listing application was reviewed, and UBTECH ROBOTICS' stock price rose. Other tech stocks generally fell, while some AI stocks performed relatively well

AASTOCKS·Yesterday at 12:32

AASTOCKS·Yesterday at 12:32

"Shanghai and Shenzhen" Mainland GDP increased by 5% to meet the target, A-share three major indices showed mixed performance in the half-day, aviation, nuclear power, and power grid equipment concept stocks surged

The National Bureau of Statistics announced that the GDP of mainland China is expected to grow by 5% year-on-year in 2025, in line with market expectations. The sales of newly built commercial housing fell by 12.6% year-on-year. The People's Bank of China lowered the re-lending and rediscount rates by 0.25 percentage points and adjusted the minimum down payment ratio for commercial property loans to 30%. The three major A-share indices showed mixed trends, with the Shanghai Composite Index slightly rising, the Shenzhen Component Index slightly falling, and the ChiNext Index declining. Nuclear power and grid equipment concept stocks rose, with some individual stocks increasing by as much as 9.5%

AASTOCKS·Yesterday at 11:31

Daily Debrief: What Happened Today (Jan 16)

On January 16, Singapore announced an extension of the rental occupancy cap for HDB and private homes until December 2028 due to high demand. Maybank highlighted a favorable market outlook for 2026, while Viettel Group launched Vietnam's first semiconductor fabrication plant. HSBC is reviewing its life insurance business in Singapore, and Singapore's key exports grew by 6.1% in December, impacted by pharmaceuticals. Additionally, Changi Airport is increasing flights to China in anticipation of a surge in travel for the Chinese New Year.

Businesstimes News·01/16/2026 18:00

Businesstimes News·01/16/2026 18:00