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XChange TEC.INC. Sponsored ADR

XHG Financial Insurance Brokers

XChange TEC.INC. Sponsored ADR’s revenue for fiscal 2025 (year ended September 2025) was $51.3 million, up 24.9% from fiscal 2024.

2.02 0.33 +19.53%
Market cap
$78.8M
P/E
0.0×
Fwd P/E
0.0×
Dividend yield
—
F-score
n/a
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 0.00%

Capital & Financial Ratios $m

Market Cap 78.75
Revenue 194.00
Net Income (17.95)
Free Cash Flow (5.36)
Net Debt 3.97
Current Ratio 0.04
Debt/Equity (0.04)
P/E ratio 0.00
Fwd P/E 0.00
P/S ratio 0.00
P/B ratio 0.00
Past 5Y EPS Growth —
This Y EPS Growth (239.30%) (below 0%: weak)
Next Y EPS Growth —
Next Y revenue growth 354.43% (at or above 10%: strong)
Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

Dividends

Payout Ratio —
Annual Dividend Rate —
Annual Dividend Yield —
total individual payouts
2022 Powerpack
2021 Powerpack
2020 Powerpack
2019 Powerpack
2018 Powerpack
special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 0 1 2 1
Receivables — 5 3 3
Inventory — — — —
Other 1 3 1 0
12 10 6 5
2023 2024 2025 Q'26
Payables 0 5 4 4
ST’ Debt 6 5 5 5
Other 23 23 23 23
100 191 133 136

Compound Annual Growth %

10y 5y 3y
Sales — (21.54%) (31.67%)
Cash Flow — 0.00% 0.00%
Earnings — 0.00% 0.00%
Book Value — 0.00% 0.00%

Revenue $m

Mar Jun Sep Dec Year
’26 — — — — —
’25 — — — — 51
’24 — — — — 41
’22 — — — — 92
’21 — — — — 161
’20 — — — — 178
’19 — — 47 — 173
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 (1) — — — —
’25 (1) — (2) — (2)
’24 0 — (1) — (1)
’23 — — — — (5)
’22 — — — — (6)
’21 — — — — (17)
’20 — — — — 8
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 (1) — — — —
’25 (1) — (2) — (2)
’24 0 — (1) — (1)
’23 (4) — 0 — (5)
’22 (4) — 0 — (6)
’21 (1) — 0 — (17)
’20 — — (15) — (7)
Fiscal quarters ending in the months shown.

EPS $

Mar Jun Sep Dec Year
’26 — — — — —
’25 — — — — (5.02)
’24 — — — — (369.20)
’23 — — — — (16.72k)
’22 — — — — 24.00k
’21 — — — — (144.00k)
’20 — — — — (408.00k)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to September

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low — — — 784,000.00 200,000.00 21,440.00 9,616.00 416.00 12.80 0.81

Analyst estimates 2026–2028

Powerpack
High — — — 1,635,040.00 1,228,000.00 318,400.00 61,920.00 64,960.00 1,200.00 61.60
People
People Employees — — 1,222,000,000 775 248 40 28 19 19 30
Revenue/emp, $m — 0.00 0.00 0.22 0.72 4.02 3.28 0.00 2.16 1.71
Income, $m
Income, $m Revenue — 77 173 173 178 161 92 — 41 51
Gross margin, % — 0.00 (5.77) (5.77) 0.38 8.35 (9.00) — 4.67 2.19
EBT — (36) (70) (70) (226) (88) 115 (4) (87) (105)
EBT margin, % — (46.97) (40.39) (40.39) (126.96) (54.93) 125.70 0.00 (212.45) (204.88)
Net income — 0 0 (70) (226) (88) 115 (4) (87) (105)
Depreciation — — — 30 39 12 4 — 0 0
Per share, $
Per share, $ Revenue — 0.51 71,921.25 863,055.00 296,521.67 268,028.33 21,326.28 0.00 469.62 2.45
Earnings — (0.03) (405.88) (624,000.00) (408,000.00) (144,000.00) 24,000.00 (16,724.00) (369.20) (5.02)
Cash flow — (0.04) (7,456.83) (61,690.00) 13,463.33 (28,361.67) (1,294.19) (467.01) (15.92) (0.08)
Capex — 0.00 0.00 (239,465.00) (24,343.33) 0.00 0.00 0.00 0.00 0.00
Free cash flow — (0.04) (7,456.83) (301,155.00) (10,880.00) (28,361.67) (1,294.19) (467.01) (15.92) (0.08)
Book value — (0.82) (130,365.83) (1,564,390.00) (489,583.33) (642,755.00) (18,728.37) (7,537.61) (906.41) (5.90)
Shares, m — 150 0 0 0 0 0 0 0 21
Valuation, ×
Valuation, × P/E — 0.00 0.00 0.00 0.00 0.00 0.00 — 0.00 0.00
P/S — 0.00 0.00 0.00 0.00 0.03 0.02 — 0.00 0.00
P/B — 0.00 0.00 0.00 0.00 0.00 0.00 — 0.00 0.00
EV/Sales — 0.00 0.00 0.00 0.00 0.52 0.28 — 0.29 0.29
EV/FCF — 0.00 0.00 0.00 (45.07) (3.78) (1.36) — (3.97) (12.52)
Cash, $m
Cash, $m Operating cash flow — (6) (18) (12) 8 (17) (6) (5) (1) (2)
Capex — (42) (103) (48) (15) (1) — — — —
Free cash flow — (6) (18) (60) (7) (17) (6) (5) (1) (2)
Balance, $m
Balance, $m Working capital — — (154) (154) (259) (337) (84) (88) (181) (128)
Total debt — 212 240 105 211 167 15 6 5 5
Net debt — 157 205 69 206 164 15 6 3 3
Shareholders’ equity — (122) (313) (313) (294) (386) (81) (88) (79) (124)
Returns, %
Returns, % ROA — (20.79) 0.00 (44.76) (119.80) (96.07) 320.04 (77.66) (52.43) (173.34)
ROIC — 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
ROE — 26.09 31.25 35.43 73.86 26.00 (49.45) 11.59 38.59 103.60
Negative figures in brackets.

All 10 years →

Fiscal years to Sep 2025 · latest quarter Sep 2019

Charts ten years each

XChange TEC.INC. Sponsored ADR vs peers in Insurance Brokers (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
CRD.A Crawford & Company $581.9M 26.1× — −1.37% (below 0%: shrinking) +75.00% (above 0%: growing) −51.68% (below 0%: shrinking) 28.78% 7.68% Compare
CRD.B Crawford & Company $581.0M 24.4× 11.9× −1.37% (below 0%: shrinking) +75.00% (above 0%: growing) −51.68% (below 0%: shrinking) 28.78% 7.68% Compare
XHG XChange TEC.INC. Sponsored ADR $78.8M — (loss-making) — (loss-making) −69.19% (below 0%: shrinking) n/m −324.48% (below 0%: shrinking) 0.00% 0.00%
AIFU AIFU Inc. - Sponsored ADR $67.1M 0.0× 11.0× −15.11% (below 0%: shrinking) n/m −96.62% (below 0%: shrinking) 36.32% 2.74% Compare
SLQT SelectQuote, Inc. $60.9M — (loss-making) — (loss-making) −6.79% (below 0%: shrinking) n/m +80.58% (above 0%: growing) 32.15% 1.07% Compare
EHTH eHealth, Inc. $19.4M — (loss-making) — (loss-making) −44.78% (below 0%: shrinking) n/m +83.77% (above 0%: growing) 100.00% (81.80%) Compare
HUIZ Huize Holding Limited Sponsored ADR $12.3M 57.7× — (loss-making) +42.24% (above 0%: growing) n/m −115.73% (below 0%: shrinking) 27.47% 3.61% Compare
ZBAO Zhibao Technology Inc. $8.5M — — — — −1,040.72% (below 0%: shrinking) — — Compare
GOCOQ GoHealth, Inc. $8.5M — (loss-making) — (loss-making) −94.61% (below 0%: shrinking) n/m +145.21% (above 0%: growing) 30.18% (292.04%) Compare
Median of peers $40.1M 25.2× — −6.79% — −51.68% 30.18% 2.74%

All 22 Insurance Brokers stocks →

XChange TEC.INC. Sponsored ADR (XHG) key facts

  • Strength: XChange TEC.INC. Sponsored ADR’s revenue for fiscal 2025 (year ended September 2025) was $51.3 million, up 24.9% from fiscal 2024.
  • XChange TEC.INC. Sponsored ADR (XHG) is an Insurance Brokers company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, XHG traded at $2.02, a market capitalization of $78.8 million.
  • Return on equity was 103.6% and debt-to-equity -0.04.

Source: company filings (standardised) and stockrow calculations.

XChange TEC.INC. Sponsored ADR (XHG) Latest News

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stockrow.com/XHG · Data as of Sep 30, 2019 · For information only; not investment advice. · © 2026 stockrow.com