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Home CompaniesXChange TEC.INC

XChange TEC.INC

Financial Services Insurance Brokers
PortfolioPortfolio WatchlistWatchlist
Company price
3.3971 USD 0.05 ( 1.41%)
Last update at 2026-11-09T15:07:00Z
VOLUME
1892
Market Cap
134.54M

Momentum Score

…

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 and Hong Kong. The company offers 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 also provides automobile, life, health, group accidents, 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 its insurance products 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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
3.24
Low
3.44
High
52 Week Price Range
0.65
Low
4.62
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
3.35
Dividend Yield
-
Revenue TTM
387.42M
Revenue Per Share
8.39
Gross Profit TTM
9.34M
Debt / Equity
-0.80
ROE
-
Net Debt
690.23M
ROCE
11.36%
Diluted EPS TTM
-

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Type yearly yearly yearly yearly yearly
Date 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Income before tax -0.75M -595.93M -25.10M -495.08M -564.18M
Minority interest - 0.00M 0.00M 0.04M 0.03M
Net income -0.75M -226.82M -71.31M 820.02M -564.18M
Selling general administrative 0.03M 16.09M 23.47M 29.32M 27.53M
Selling and marketing expenses 0.01M 11.20M 0.02M 0.01M 0.01M
Gross profit 0.01M 1.83M 0.00M -58.67M 3.90M
Reconciled depreciation 0.00M 0.26M 0.00M 27.40M 79.26M
Ebit -99.94M -81.39M -25.73M -29.36M -437.99M
Ebitda -99.89M -81.35M -3.33M -69.14M -359.71M
Depreciation and amortization 0.05M 0.04M 27.40M 27.40M 78.28M
Operating income -0.03M -13.47M -23.54M -29.36M -168.42M
Other operating expenses 1.09M 41.94M 3.33M 4.48M 1195.54M
Interest expense 3.82M 3.62M 0.22M 6.42M 126.18M
Tax provision 0.00M 0.55M 0.00M 0.00M 0.00M
Interest income - - - - 0.04M
Net interest income -0.03M -26.11M -1.57M -42.05M -103.23M
Income tax expense 0.00M 0.55M 3.64M -4.48M 0.03M
Total revenue 0.37M 40.01M 0.00M 652.33M 1027.11M
Total operating expenses 0.73M 3.75M 3.33M 4.48M 172.33M
Cost of revenue 0.36M 38.18M 0.00M 711.00M 1023.21M
Total other income expense net -0.71M -582.46M -1.56M -465.73M -395.75M
Net income from continuing ops -0.75M -613.17M -27.30M -495.09M -130.57M
Breakdown 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Type yearly yearly yearly yearly yearly
Date 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Total assets 69.38M 782.84M 85.65M 95.54M 377.63M
Intangible assets 0.68M 101.09M - 13.47M 152.46M
Other current assets 3.63M 21.25M 85.29M 33.74M 36.16M
Total liab 949.52M 1339.41M 729.08M 668.40M 2862.54M
Total stockholder equity -880.14M -556.57M -643.42M -572.86M -2484.91M
Other current liab 217.37M 200.34M 684.46M 424.69M 1019.29M
Common stock 179.57M 57.18M 1.90M 1.73M 0.11M
Capital stock 179.57M 57.18M 1.90M 1.73M 0.11M
Retained earnings -4605.22M -3856.80M -3629.98M -3558.67M -4378.69M
Good will 23.28M 709.24M 0.00M - -
Other assets 69.39M - -11.68M -82.07M -319.19M
Cash 10.88M 8.09M 0.29M 0.56M 16.32M
Total current liabilities 949.17M 1338.82M 729.08M 668.40M 2347.62M
Current deferred revenue 0.02M - 45.22M 173.55M 339.30M
Net debt 690.23M 1092.55M 44.07M 5.98M 1075.39M
Short term debt 700.75M 1100.05M 44.43M 6.54M 576.80M
Short long term debt 700.55M 1099.70M 44.43M 6.54M 576.80M
Short long term debt total 701.11M 1100.64M 44.43M 6.54M 1091.71M
Other stockholder equity 3465.51M 3137.00M 2959.24M 2954.62M 1845.29M
Total current assets 39.86M 67.64M 85.65M 71.16M 176.67M
Short term investments 1.89M 2.03M 0.07M - -
Net receivables 23.45M 36.28M 0.00M 36.85M 124.20M
Long term debt - - - - 514.91M
Inventory - - - 34.31M -
Accounts payable 29.48M 36.97M 0.18M -160.41M 320.27M
Accumulated other comprehensive income 79.99M 106.05M 25.42M 29.45M 38.78M
Non currrent assets other 5.00M 5.00M 10.68M 10.40M 9.56M
Non current assets total 29.52M 715.19M 11.68M 24.38M 200.96M
Capital lease obligations 0.55M 0.94M 0.00M - 0.00M
Breakdown 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Type yearly yearly yearly yearly yearly
Date 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Investments 0.00M 10.17M 0.00M -11.47M -6.49M
Total cashflows from investing activities -0.00M 10.17M - -12.50M -6.43M
Net borrowings 0.02M 8.67M 37.89M 30.62M 115.80M
Total cash from financing activities 0.02M 8.67M 37.89M 31.94M 100.71M
Net income -0.75M -613.17M -25.10M -539.56M -564.18M
Change in cash 0.00M 11.98M -1.78M -20.71M -10.87M
Begin period cash flow 0.01M 1.10M 2.88M 21.28M 30.10M
End period cash flow 0.02M 13.09M 1.10M 0.57M 19.22M
Total cash from operating activities -0.01M -9.77M -39.87M -43.15M -108.70M
Issuance of capital stock - - - 0.00M 0.00M
Depreciation 0.00M 0.26M 0.00M 27.40M 78.28M
Other cashflows from investing activities -0.62M 0.11M - -12.50M -6.48M
Change to inventory 0.41M 0.42M - -7.75M 9.51M
Change to account receivables 0.01M -16.93M 0.00M -0.21M 1.53M
Sale purchase of stock - - - 0.00M 0.00M
Other cashflows from financing activities 0.00M 8.67M -32.52M -1.42M -14.20M
Capital expenditures 0.00M 9.31M 0.00M 0.00M 0.00M
Change in working capital 0.01M 1.51M -1.86M 22.69M 153.82M
Stock based compensation 0.00M 2.51M 4.78M 9.77M 15.81M
Other non cash items 0.72M 598.61M -17.69M 473.73M 223.38M
Free cash flow -0.01M -9.77M -39.87M -43.15M -108.70M

Peer Comparison*

Sector: Financial Services Industry: Insurance Brokers

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
Enterprise Value
to EBITDA (x)
XHG
XChange TEC.INC		 0.05
1.41%		 3.40 - - 0.35 - 75.58 2.61
MRSH
Marsh & McLennan Companies, Inc.		 1.50
0.73%		 206.32 22.03 15.87 3.07 5.67 3.82 14.80
AON
Aon PLC		 3.36
1.00%		 338.17 19.50 17.61 4.19 7.68 4.95 13.01
AJG
Arthur J Gallagher & Co		 -0.52
0.18%		 281.10 41.13 17.09 4.21 2.74 4.93 19.58
WTW
Willis Towers Watson PLC		 0.52
0.16%		 329.38 19.92 14.56 2.96 3.91 3.52 13.08

Profile*

XChange TEC.INC

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 and Hong Kong. The company offers 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 also provides automobile, life, health, group accidents, 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 its insurance products 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.

No.259, Guoxia Road, Shanghai, China, 200433

86 21 6422 8532

https://www.xhghk.com

30

Name Title Year Born
Mr. Zhichen Sun CEO & Chairman 1984
Mr. Jiamin Chen VP and GM of Investment & Financing Department 1981
Mr. Gang Xie Chief Technology Officer 1974
Mr. Zongquan Yang Head of Product Management, Senior Manager of IT Center 1984
Mr. Yong Ma Head of Business 1972

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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