Symbols / XHG Stock $1.02 -5.56% XChange TEC.INC

Financial Services • Insurance Brokers • China • NCM
XHG (Stock) Chart
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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.

Stock Fundamentals
Scroll to Statements
Market Cap 52.58M Enterprise Value 133.63B 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 0.14 P/B -0.41 P/C — EV/EBITDA -3892.39 EV/Sales 365.85
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 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 0.11%
Short Ratio 4.61 Short Interest — 52W High 3.23 52W Low 0.65 Beta -1.12 Avg Volume 27.99K
Volume 1.77K Target Price — Recom None Prev Close $1.08 Price $1.02 Change -5.56%
Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$1.02
Latest analyst target
3. DCF / Fair value
$-152.39
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$1.02
Low
—
High
—
Mean
—
News
RSS: Latest XHG news
Insider Transactions

No recent insider transactions.

Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 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 Trend 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 Trend 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
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