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XChange TECINC (XHG)
NASDAQ:XHG
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XChange TECINC
(NASDAQ:XHG)
32Underperform
XChange TECINC (XHG) vs. S&P 500 (SPY)
Market Cap
$42.63B
Dividend YieldN/A
Average Volume (3M)133.87K
Price to Earnings (P/E)―
Beta (1Y)0.10
Revenue GrowthN/A
EPS GrowthN/A
CountryUS
Employees38
SectorReal Estate
Sector Strength69
IndustryReal Estate - Services
Share Statistics
EPS (TTM)N/A
Shares Outstanding19,993,158
10 Day Avg. Volume44,403
30 Day Avg. Volume133,867
Financial Highlights & Ratios
PEG RatioN/A
Price to Book (P/B)N/A
Price to Sales (P/S)0.44
Price to Cash Flow (P/CF)N/A
P/FCF Ratio0.00
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
XChange TECINC Business Overview & Revenue Model
Company DescriptionXChange TEC.INC engages in the professional insurance agency business in the People's Republic of China. The company provides a various insurance products underwritten by insurance companies, including state-owned property and casualty insurance companies, as well as various regional property and casualty insurance companies. It also offers automobile, life, health, group accident, and other property related insurances primarily to individual end consumers. In addition, the company operates a SaaS platform to offer comprehensive services to online customers. It sells insurance primarily through a network of external referral sources that include external registered sales representatives and strategic channel partners, as well as through the 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 2012 and is based in Shanghai, the People's Republic of China.
How the Company Makes MoneyXChange TECINC generates revenue primarily through transaction fees, subscription models, and licensing of their technology platforms. The company charges fees for each transaction processed via its digital payment systems and cryptocurrency exchanges. Additionally, XHG offers subscription plans for businesses utilizing its advanced blockchain solutions, ensuring a consistent stream of income. The licensing of its proprietary technologies to other financial institutions and tech companies further contributes to its revenue model. Partnerships with leading banks and fintech companies expand its market reach and amplify its earnings potential.
XChange TECINC Financial Statement Overview
Summary
XHG faces significant financial challenges, with declining revenues, negative profitability, and high leverage. These factors indicate ongoing risks in maintaining financial health, and strategic changes or restructuring might be necessary to improve performance.Income Statement
The company has experienced a significant decline in revenue over the years, with a drop from $1.23 billion in 2019 to $288.37 million in 2024. Gross profit margins have been negative in recent years, indicating a challenge in covering production costs. Net income has been consistently negative, highlighting ongoing profitability issues.30
Negative
Balance Sheet
The company's financial stability is concerning, with a negative equity position indicating liabilities exceed assets. The debt-to-equity ratio is not calculable due to negative equity, but total debt remains high compared to total assets, signaling potential solvency risks.20
Very Negative
Cash Flow
Operating cash flows have been consistently negative, indicating challenges in generating cash from operations. Free cash flow has similarly been negative, suggesting difficulties in maintaining liquidity. The company's reliance on financing activities to manage cash flow further elevates risks.25
Negative
| Breakdown | |||||
| TTM | Sep 2024 | Sep 2023 | Sep 2022 | Sep 2021 | Sep 2020 |
|---|---|---|---|---|---|
| Income Statement | Total Revenue | ||||
| 76.74M | 288.37M | 0.00 | 652.33M | 1.04B | 1.21B | Gross Profit |
| 76.74M | 13.47M | 0.00 | -58.67M | 86.55M | -9.70M | EBIT |
| 66.89M | -588.82M | -25.73M | -29.36M | -27.34M | -1.50B | EBITDA |
| 0.00 | -586.25M | -25.73M | -453.04M | -27.34M | -1.14B | Net Income Common Stockholders |
| 387.43M | -226.82M | -71.31M | 820.02M | -569.17M | -1.53B |
| Balance Sheet | Cash, Cash Equivalents and Short-Term Investments | ||||
| 125.48M | 10.12M | 360.00K | 563.00K | 16.32M | 22.88M | Total Assets |
| 1.57B | 782.84M | 85.65M | 95.54M | 377.63M | 850.73M | Total Debt |
| 482.62M | 1.10B | 44.43M | 6.54M | 1.09B | 1.49B | Net Debt |
| 357.14M | 1.09B | 44.07M | 5.98M | 1.08B | 1.47B | Total Liabilities |
| 2.47B | 1.34B | 729.08M | 668.40M | 2.86B | 2.85B | Stockholders Equity |
| -909.91M | -556.57M | -643.42M | -572.86M | -2.49B | -2.00B |
| Cash Flow | Free Cash Flow | ||||
| -2.09M | -9.77M | -39.87M | -39.59M | -109.66M | -44.33M | Operating Cash Flow |
| -2.09M | -9.77M | -39.87M | -39.59M | -109.66M | 54.84M | Investing Cash Flow |
| 10.07M | 10.17M | 0.00 | -11.47M | -6.49M | -138.67M | Financing Cash Flow |
| 1.88M | 8.67M | 37.89M | 29.31M | 101.60M | -134.92M |
XChange TECINC Technical Analysis
Negative
0.80
Price Trends
0.86
Negative
1.17
Negative
8.00
Negative
Market Momentum
-0.02
Positive
42.67
Neutral
40.77
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For XHG, the sentiment is Negative. The current price of 0.8 is below the 20-day moving average (MA) of 0.85, below the 50-day MA of 0.86, and below the 200-day MA of 8.00, indicating a bearish trend. The MACD of -0.02 indicates Positive momentum. The RSI at 42.67 is Neutral, neither overbought nor oversold. The STOCH value of 40.77 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for XHG.
XChange TECINC Risk Analysis
XChange TECINC disclosed 88 risk factors in its most recent earnings report. XChange TECINC reported the most risks in the “Finance & Corporate” category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
XChange TECINC Peers Comparison
Overall Rating
UnderperformOutperform
Sector (61)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
81 Outperform | $2.82T | 30.51 | 34.29% | 0.83% | 15.04% | 12.38% | |
79 Outperform | $167.44B | 55.97 | 17.43% | 0.65% | 13.73% | 9.93% | |
75 Outperform | $164.39B | 25.40 | 47.28% | ― | 10.65% | 44.84% | |
75 Outperform | $259.44B | 42.43 | 10.26% | 0.59% | 8.72% | 51.47% | |
67 Neutral | $395.03B | 33.10 | 108.79% | 1.14% | 6.23% | 12.37% | |
61 Neutral | $4.71B | 17.72 | -2.95% | 11.43% | 6.02% | -21.34% | |
32 Underperform | $42.63B | ― | 40.75% | ― | ― | ― |
* Real Estate Sector Average
Performance Comparison
XHG
XChange TECINC
0.78
-13.82
-94.66%
ADBE
Adobe
383.53
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INTU
Intuit
613.99
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-3.45%
MSFT
Microsoft
375.39
-45.96
-10.91%
ORCL
Oracle
139.81
15.67
12.62%
CRM
Salesforce
268.36
-32.61
-10.83%
Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.