---
title: "XChange TEC.INC (XHG.US)"
type: "quote"
locale: "en"
url: "https://longbridge.com/en/quote/XHG.US.md"
symbol: "XHG.US"
name: "XChange TEC.INC"
industry: "Insurance Brokers"
---

# XChange TEC.INC (XHG.US)

| Item | Detail |
|------|--------|
| Industry | Insurance Brokers |
| Location | US Market |
| Website | [ir.xhghk.com](https://ir.xhghk.com) |

## Company Profile

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 stat...

## Financial Score

> *Longbridge Financial Score™ — Proprietary multi-factor rating model by [Longbridge](https://longbridge.com). This score is independently calculated by Longbridge and is not affiliated with any third-party rating agency.*
> Updated: 2026-02-27T04:30:18.000Z

**Overall: C (0.50)**

**Industry**: Insurance Brokers

| Metric | Value |
|--------|-------|
| Industry Ranking | 26 / 34 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Blend - Stocks in which the company has both growth and mature businesses.
- **Scale**: Small - The company's operation has a high degree of growth and volatility, making it easy to achieve high investment returns.

### Score Analysis

**Style Score**: 

#### Growth Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 25.53% |  |
| Net Profit YoY | -226.99% |  |

#### Value Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| P/B Ratio | -0.36 |  |
| Dividend Ratio | 0.00% |  |


**Size Score**: 

#### Market Cap Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 44.69M |  |

#### Revenue Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue | 50.64M |  |


**Multi Score**: C

#### Profit Score: B

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 104.18% | A |
| Profit Margin | -204.90% | E |
| Gross Margin | 2.19% | E |

#### Growth Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 25.53% | A |
| Net Profit YoY | -226.99% | E |
| Total Assets YoY | -91.27% | E |
| Net Assets YoY | -55.73% | E |

#### Cash Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| Cash Flow Margin | -48.81% | D |
| OCF YoY | 25.53% | A |

#### Operating Score: B

| Indicator | Value | Rating |
|-----------|-------|--------|
| Turnover | 0.86 | B |

#### Debt Score: E

| Indicator | Value | Rating |
|-----------|-------|--------|
| Gearing Ratio | 1368.62% | E |


```chart-data:radar
{
  "title": "Longbridge Financial Score - XChange TEC.INC",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Profit",
      "grade": "B",
      "indicators": [
        {
          "name": "ROE",
          "value": "104.18%",
          "rating": "A"
        },
        {
          "name": "Profit Margin",
          "value": "-204.90%",
          "rating": "E"
        },
        {
          "name": "Gross Margin",
          "value": "2.19%",
          "rating": "E"
        }
      ]
    },
    {
      "name": "Growth",
      "grade": "C",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "25.53%",
          "rating": "A"
        },
        {
          "name": "Net Profit YoY",
          "value": "-226.99%",
          "rating": "E"
        },
        {
          "name": "Total Assets YoY",
          "value": "-91.27%",
          "rating": "E"
        },
        {
          "name": "Net Assets YoY",
          "value": "-55.73%",
          "rating": "E"
        }
      ]
    },
    {
      "name": "Cash",
      "grade": "C",
      "indicators": [
        {
          "name": "Cash Flow Margin",
          "value": "-48.81%",
          "rating": "D"
        },
        {
          "name": "OCF YoY",
          "value": "25.53%",
          "rating": "A"
        }
      ]
    },
    {
      "name": "Operating",
      "grade": "B",
      "indicators": [
        {
          "name": "Turnover",
          "value": "0.86",
          "rating": "B"
        }
      ]
    },
    {
      "name": "Security",
      "grade": "E",
      "indicators": [
        {
          "name": "Gearing Ratio",
          "value": "1368.62%",
          "rating": "E"
        }
      ]
    }
  ]
}
```

### Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
|------|------|--------|--------|-----------|----------|------|--------|
| 01 | Yuanbao (US.YB) | A | A | A | B | B | A |
| 02 | QDM International Inc. (US.QDMI) | A | A | A | B | B | A |
| 03 | Health In Tech (US.HIT) | B | A | A | B | A | A |
| 04 | QDM INTL INC (US.QDMID) | A | A | A | A | B | A |
| 05 | Hagerty (US.HGTY) | B | B | B | D | A | B |

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | -0.43 | 22/32 | - | - | - |
| PB | -0.36 | 29/32 | - | - | - |
| PS (TTM) | 0.88 | 11/32 | 1.61 | 0.92 | 0.45 |
| Dividend Yield | 0.00% | - | - | - | - |

## References

- [Company Overview](https://longbridge.com/en/quote/XHG.US/overview.md) - Shareholders, executives, business segments
- [Financials](https://longbridge.com/en/quote/XHG.US/norm.md) - Income statement, balance sheet, cash flow, distribution plan
- [Topics & Discussions](https://longbridge.com/en/quote/XHG.US/topics.md) - Community topics and discussions

---

> **Disclaimer**: This article is for reference only and does not constitute any investment advice.