Symbols / XHG $0.86 -1.72% XChange TEC.INC

Financial Services • Insurance Brokers • China • NCM

XHG Chart

About

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. 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.

Fundamentals

Scroll to Statements

Sector	Financial Services	Industry	Insurance Brokers	Market Cap	44.07M
Enterprise Value	105.80B	Income	-748.41M	Sales	365.27M
Book/sh	-2.48	Cash/sh	12770000.00	Dividend Yield	—
Payout	0.00%	Employees	30	IPO	—
P/E	inf	Forward P/E	—	PEG	—
P/S	0.12	P/B	-0.35	P/C	—
EV/EBITDA	-3081.61	EV/Sales	289.64	Quick Ratio	0.04
Current Ratio	0.04	Debt/Eq	—	LT Debt/Eq	—
EPS (ttm)	0.00	EPS next Y	—	EPS Growth	—
Revenue Growth	—	Earnings	2020-01-06 05:00	ROA	-5.04%
ROE	—	ROIC	—	Gross Margin	2.19%
Oper. Margin	-10.90%	Profit Margin	-204.90%	Shs Outstand	46.60M
Shs Float	100.46B	Short Float	0.12%	Short Ratio	4.40
Short Interest	—	52W High	21.60	52W Low	0.65
Beta	-1.12	Avg Volume	9.68K	Volume	30.75K
Target Price	—	Recom	None	Prev Close	$0.87
Price	$0.85	Change	-1.72%

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus

—

Mean price target

2. Current target

$0.86

Latest analyst target

3. DCF / Fair value

$-152.39

Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …

Ratings

Current target

$0.86

Low

—

High

—

Mean

—

News

RSS: Latest XHG news

[EFFECT] XChange TEC.INC SEC Filing - Stock Titan hu, 02 Apr 2026 04
More Unpleasant Surprises Could Be In Store For XChange TEC.INC's (NASDAQ:XHG) Shares After Tumbling 27% - simplywall.st Sun, 02 Nov 2025 07
XChange (XHG) Jumps 10.95% — No News, Just a Gap - bitget.com Fri, 20 Mar 2026 07
XHG PE Ratio & Valuation, Is XHG Overvalued - Intellectia AI Sat, 04 Apr 2026 21
12 Financials Stocks Moving In Wednesday's Intraday Session - benzinga.com Wed, 04 Mar 2026 08
XChange TEC (XHG) director Wu Guofu files initial Form 3 - Stock Titan ue, 17 Mar 2026 07
symbol__ Stock Quote Price and Forecast - CNN Fri, 31 May 2024 23
XChange TEC.INC (NASDAQ: XHG) CEO Sun Zhichen files Form 3 - Stock Titan ue, 17 Mar 2026 07
XChange TEC.INC (XHG) Stock Price, News, Quote & History - ca.finance.yahoo.com hu, 06 Jun 2024 15
Xchange Tec.inc (XHG) Live Share Price, Invest From India - INDmoney Fri, 18 Apr 2025 13
XHG Forecast — Price Prediction for 2026. Should I Buy XHG? - Intellectia AI Mon, 02 Jun 2025 06
XHG Stock Price and Chart — NASDAQ:XHG - tradingview.com Fri, 31 May 2024 07
Chang Jiaxing named director and CFO at XChange TEC.INC (XHG) in Form 3 - Stock Titan ue, 17 Mar 2026 07
AI Investing Insights - Official Homepage - Intellectia AI™ - Intellectia AI ue, 03 Mar 2026 22
XChange TEC.INC (XHG) stock price, news, quote and history - Yahoo Finance Singapore Mon, 15 Jul 2024 15

Insider Transactions

No recent insider transactions.

Financials

Statement View

Line Item	2025-09-30	2024-09-30	2023-09-30	2022-09-30
Total Revenue	0.37 -99.87%	288.37	0.00	0.00
Operating Revenue	0.37 -99.87%	288.37	0.00	0.00
Cost Of Revenue	0.36 -99.87%	274.90	0.00	0.00
Reconciled Cost Of Revenue	0.36 -99.87%	274.90	0.00	0.00
Gross Profit	0.01 -99.94%	13.47	0.00	0.00
Operating Expense	0.04 -99.84%	27.31 +16.05%	23.54 -19.82%	29.36
Research And Development	0.00 -100.00%	0.02 -47.83%	0.05 +109.09%	0.02
Selling General And Administration	0.04 -99.84%	27.29 +16.17%	23.49 -19.92%	29.33
Selling And Marketing Expense	0.01 -99.91%	11.20 +46562.50%	0.02 +100.00%	0.01
General And Administrative Expense	0.03 -99.80%	16.09 -31.43%	23.47 -19.97%	29.32
Other Gand A	0.03 -99.80%	16.09 -31.43%	23.47 -19.97%	29.32
Other Operating Expenses	—	—	-0.01 -100.11%	8.10
Total Expenses	0.40 -99.87%	302.21 +1184.00%	23.54 -19.82%	29.36
Operating Income	-0.03 +99.75%	-13.85 +41.17%	-23.54 +19.82%	-29.36
Total Operating Income As Reported	-0.72 +99.88%	-588.82 -2401.70%	-23.54 +19.82%	-29.36
EBITDA	-0.72 +99.88%	-586.25 -2390.77%	-23.54 +94.80%	-453.04
Normalized EBITDA	-0.03 +99.69%	-11.27 +52.10%	-23.54 +94.80%	-453.04
Reconciled Depreciation	0.00 -99.85%	0.26	0.00	0.00
EBIT	-0.72 +99.88%	-586.51 -2391.88%	-23.54 +94.80%	-453.04
Total Unusual Items	-0.69 +99.88%	-574.98	0.00	0.00
Total Unusual Items Excluding Goodwill	-0.69 +99.88%	-574.98	0.00	0.00
Special Income Charges	-0.69 +99.88%	-574.98	0.00	0.00
Other Special Charges	—	—	—	—
Impairment Of Capital Assets	0.69 -99.88%	574.98	0.00	0.00
Restructuring And Mergern Acquisition	—	—	—	0.00
Write Off	—	—	—	—
Net Income	-0.75 +99.67%	-226.82 -218.06%	-71.31 -108.70%	820.02
Pretax Income	-0.75 +99.88%	-612.62 -2340.51%	-25.10 +94.93%	-495.08
Net Non Operating Interest Income Expense	-0.03 +99.89%	-26.11 -1568.05%	-1.56 +96.28%	-42.04
Interest Expense Non Operating	0.03 -99.89%	26.11 +1568.05%	1.56 -96.28%	42.04
Net Interest Income	-0.03 +99.89%	-26.11 -1568.05%	-1.56 +96.28%	-42.04
Interest Expense	0.03 -99.89%	26.11 +1568.05%	1.56 -96.28%	42.04
Interest Income Non Operating	—	—	—	—
Interest Income	—	—	—	—
Other Income Expense	-0.69 +99.88%	-572.67	—	-423.69
Other Non Operating Income Expenses	-0.00 -100.02%	2.31	—	-423.69
Gain On Sale Of Security	—	—	—	—
Gain On Sale Of Business	—	—	—	1,554.45
Tax Provision	0.00 -99.99%	0.55	0.00	0.00
Tax Rate For Calcs	0.00 +0.00%	0.00	0.00	0.00
Tax Effect Of Unusual Items	-0.17 +99.88%	-143.74	0.00	0.00
Net Income Including Noncontrolling Interests	-0.75 +99.67%	-226.82 -218.06%	-71.31 -108.70%	819.98
Net Income From Continuing Operation Net Minority Interest	-0.75 +99.88%	-613.17 -2342.70%	-25.10 +94.93%	-495.04
Net Income From Continuing And Discontinued Operation	-0.75 +99.67%	-226.82 -218.06%	-71.31 -108.70%	820.02
Net Income Continuous Operations	-0.75 +99.88%	-613.17 -2342.70%	-25.10 +94.93%	-495.08
Net Income Discontinuous Operations	0.00 -100.00%	386.35 +936.05%	-46.21 -103.51%	1,315.06
Minority Interests	—	0.00	0.00 -100.00%	0.04
Normalized Income	-0.23 +99.87%	-181.93 -624.77%	-25.10 +94.93%	-495.04
Net Income Common Stockholders	-0.75 +99.67%	-226.82 -218.06%	-71.31 -108.70%	820.02
Otherunder Preferred Stock Dividend	—	—	—	—
Diluted EPS	—	0.00	0.00	0.00
Basic EPS	—	0.00	0.00	0.00
Basic Average Shares	—	0.33 +2701.65%	0.01 +9.66%	0.01
Diluted Average Shares	—	0.33 +2701.65%	0.01 +9.66%	0.01
Diluted NI Availto Com Stockholders	-0.75 +99.67%	-226.82 -218.06%	-71.31 -108.70%	820.02
Gain On Sale Of PPE	—	—	—	-11.97
Rent Expense Supplemental	—	—	—	539.49

Line Item	2022-09-30	2021-09-30
Total Assets	95.54	—
Current Assets	71.16	—
Cash Cash Equivalents And Short Term Investments	0.56	—
Cash And Cash Equivalents	0.56	—
Other Short Term Investments	—	—
Receivables	36.85	—
Accounts Receivable	0.75	—
Gross Accounts Receivable	—	19.83
Allowance For Doubtful Accounts Receivable	—	-19.46
Other Receivables	—	100.30
Taxes Receivable	—	0.00
Prepaid Assets	7.11	—
Restricted Cash	0.11 -96.39%	2.94
Assets Held For Sale Current	63.48	—
Other Current Assets	1.59	—
Total Non Current Assets	24.38	—
Net PPE	0.50	—
Gross PPE	3.19	—
Accumulated Depreciation	-2.69 +89.12%	-24.73
Properties	0.00	0.00
Buildings And Improvements	0.00 -100.00%	40.17
Machinery Furniture Equipment	3.19 -86.42%	23.50
Construction In Progress	—	0.00
Other Properties	—	—
Leases	—	0.00
Goodwill And Other Intangible Assets	13.47	—
Goodwill	—	—
Other Intangible Assets	13.47 -91.16%	152.46
Other Non Current Assets	24.38 +155.13%	9.56
Total Liabilities Net Minority Interest	668.40	—
Current Liabilities	668.40	—
Payables And Accrued Expenses	7.52	—
Payables	4.07	—
Accounts Payable	0.00	—
Other Payable	—	98.01
Current Accrued Expenses	3.46	—
Total Tax Payable	63.62	—
Current Debt And Capital Lease Obligation	6.54	—
Current Debt	6.54	—
Other Current Borrowings	22.30	—
Current Capital Lease Obligation	—	0.00
Current Deferred Liabilities	173.55 -48.85%	339.30
Current Deferred Revenue	173.55 -48.85%	339.30
Other Current Liabilities	654.34	—
Total Non Current Liabilities Net Minority Interest	0.00	—
Long Term Debt And Capital Lease Obligation	—	514.91
Long Term Debt	—	514.91
Long Term Capital Lease Obligation	—	0.00
Non Current Deferred Liabilities	—	0.00
Stockholders Equity	-572.86	—
Common Stock Equity	-572.86	—
Capital Stock	1.73	—
Common Stock	1.73	—
Share Issued	25.88	—
Ordinary Shares Number	25.88	—
Treasury Shares Number	0.00 -100.00%	77.10
Additional Paid In Capital	2,954.62	—
Retained Earnings	-3,558.67	—
Gains Losses Not Affecting Retained Earnings	29.45	—
Treasury Stock	0.00 -100.00%	0.01
Minority Interest	0.00 -100.00%	9.60
Other Equity Adjustments	29.45	—
Total Equity Gross Minority Interest	-572.86	—
Total Capitalization	-572.86	—
Working Capital	-597.24	—
Invested Capital	-566.32	—
Total Debt	6.54	—
Net Debt	5.98	—
Capital Lease Obligations	—	0.00
Net Tangible Assets	-572.86	—
Tangible Book Value	-572.86	—
Current Notes Payable	—	—
Duefrom Related Parties Current	36.10 +53.44%	23.53
Dueto Related Parties Current	4.07	—
Interest Payable	3.46	—
Line Of Credit	103.55 -11.02%	116.38

Line Item	2025-09-30	2024-09-30	2023-09-30	2022-09-30
Operating Cash Flow	-0.01 +99.88%	-9.77 +75.49%	-39.87 +10.07%	-44.33
Cash Flow From Continuing Operating Activities	-0.01 +99.87%	-8.96 +59.62%	-22.18 -212.67%	-7.09
Cash From Discontinued Operating Activities	0.00 +100.00%	-0.81 +95.39%	-17.69 +52.50%	-37.24
Net Income From Continuing Operations	-0.75 +99.88%	-613.17 -2342.70%	-25.10 +94.93%	-495.08
Depreciation Amortization Depletion	0.00 -99.85%	0.26	0.00	0.00
Depreciation	0.00 -99.85%	0.26	0.00	0.00
Depreciation And Amortization	0.00 -99.85%	0.26	0.00	0.00
Other Non Cash Items	0.03 -99.89%	24.04	—	424.91
Stock Based Compensation	0.00 -100.00%	2.51 -47.57%	4.78 -51.06%	9.77
Provisionand Write Offof Assets	0.01 +111.87%	-0.09	0.00	0.00
Asset Impairment Charge	0.69 -99.88%	574.98	0.00	0.00
Deferred Tax	0.00 -100.00%	0.51	0.00	0.00
Deferred Income Tax	0.00 -100.00%	0.51	0.00	0.00
Operating Gains Losses	—	0.49	—	-1,542.48
Gain Loss On Investment Securities	—	0.39	—	—
Gain Loss On Sale Of PPE	0.00 -100.00%	0.10	0.00	0.00
Change In Working Capital	0.01 -99.16%	1.51 +181.11%	-1.86 -103.49%	53.31
Change In Receivables	0.01 +100.08%	-16.93	0.00	0.00
Changes In Account Receivables	0.01 +100.08%	-16.93	0.00	0.00
Change In Prepaid Assets	0.00 -99.90%	0.42	0.00 +100.00%	-7.11
Change In Payables And Accrued Expense	-0.01 -100.03%	24.42 +1649.30%	-1.58 -102.92%	53.93
Change In Accrued Expense	0.00 -99.93%	0.39 +117.74%	-2.19 -104.06%	53.93
Change In Payable	-0.01 -100.03%	24.03 +3832.73%	0.61 -99.33%	90.83
Change In Account Payable	-0.01 -100.03%	24.20 +13196.70%	0.18	0.00
Change In Other Working Capital	0.00	—	—	-66.60
Change In Other Current Assets	0.01 +100.11%	-6.20 -2099.29%	-0.28 -104.34%	6.50
Change In Other Current Liabilities	-0.00 +99.81%	-0.20	0.00	0.00
Investing Cash Flow	-0.00 -100.00%	10.17	0.00 +100.00%	-11.47
Cash Flow From Continuing Investing Activities	-0.00 -100.00%	10.17	0.00	0.00
Cash From Discontinued Investing Activities	0.00	0.00	0.00 +100.00%	-11.47
Net PPE Purchase And Sale	0.00 -100.00%	0.11	0.00	0.00
Purchase Of PPE	—	—	—	0.00
Sale Of PPE	0.00 -100.00%	0.11	0.00	0.00
Capital Expenditure	—	—	—	—
Net Investment Purchase And Sale	0.00 +100.02%	-0.80	0.00	0.00
Purchase Of Investment	-0.01 +98.89%	-0.80	0.00	0.00
Sale Of Investment	0.01	0.00	0.00	—
Net Business Purchase And Sale	-0.00 -100.01%	10.87	0.00	0.00
Purchase Of Business	-0.00	0.00	0.00 +100.00%	-11.47
Gain Loss On Sale Of Business	—	—	—	-1,554.45
Net Intangibles Purchase And Sale	—	—	—	—
Purchase Of Intangibles	—	—	—	—
Net Other Investing Changes	—	—	—	—
Financing Cash Flow	0.02 -99.78%	8.67 -77.12%	37.89 +11.26%	34.05
Cash Flow From Continuing Financing Activities	0.02 -99.78%	8.67 -77.12%	37.89 +23.75%	30.62
Net Issuance Payments Of Debt	0.02 -99.80%	8.67 -77.12%	37.89 +23.75%	30.62
Issuance Of Debt	0.08 -99.59%	18.94 -50.02%	37.89 +23.75%	30.62
Repayment Of Debt	-0.06 +99.42%	-10.27	0.00	0.00
Long Term Debt Issuance	0.08	0.00	0.00 -100.00%	24.07
Long Term Debt Payments	—	—	0.00	0.00
Net Long Term Debt Issuance	0.08	0.00	0.00 -100.00%	24.07
Short Term Debt Issuance	0.00 -100.00%	18.94 -50.02%	37.89 +478.96%	6.54
Short Term Debt Payments	-0.06 +99.42%	-10.27	0.00	0.00
Net Short Term Debt Issuance	-0.06 -100.68%	8.67 -77.12%	37.89 +478.96%	6.54
Net Common Stock Issuance	—	—	—	0.00
Common Stock Payments	—	—	—	0.00
Repurchase Of Capital Stock	—	—	—	0.00
Net Other Financing Charges	0.00	—	—	—
Changes In Cash	0.01 -99.93%	9.07 +558.23%	-1.98 +90.90%	-21.75
Effect Of Exchange Rate Changes	-0.00 -100.13%	2.91 +1333.99%	0.20 -96.22%	5.38
Beginning Cash Position	0.01 -98.81%	1.10 -61.74%	2.88 -85.05%	19.25
End Cash Position	0.02 -99.88%	13.09 +1088.47%	1.10 -61.74%	2.88
Free Cash Flow	-0.01 +99.88%	-9.77 +75.49%	-39.87 +10.07%	-44.33
Interest Paid Supplemental Data	—	—	0.00	0.00
Income Tax Paid Supplemental Data	—	0.09	0.00	0.00
Common Stock Issuance	—	—	—	0.00
Issuance Of Capital Stock	—	—	—	0.00
Net Preferred Stock Issuance	—	—	—	—
Preferred Stock Issuance	—	—	—	—
Sale Of Business	0.00 -100.00%	10.87	0.00	0.00
Cash From Discontinued Financing Activities	0.00	0.00	0.00 -100.00%	3.44

SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

42025-01-21 View
42025-01-02 View

Trades

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