Tian Ruixiang Holdings Ltd. (TIRXF) vs XChange TEC.INC. Sponsored ADR (XHG)

Tian Ruixiang Holdings Ltd. and XChange TEC.INC. Sponsored ADR are both Insurance Brokers companies. XChange TEC.INC. Sponsored ADR is the larger, with a market value of $102.1M against $5.7M — 17.8× the size. XChange TEC.INC. Sponsored ADR has the higher net margin (37.7% vs −238.7%) and the higher return on invested capital (0.00% vs 0.00%). Across the 9 metrics below, Tian Ruixiang Holdings Ltd. leads on 5 and XChange TEC.INC. Sponsored ADR on 4.

Valuation

Metric TIRXF XHG Insurance Brokers median
P/E n/m n/m 25.35
P/S n/m 0.00 2.10
P/B n/m n/m 2.81
Price to free cash flow n/m n/m 18.44
EV/EBITDA n/m n/m 12.36
EV/Sales (8.20) 0.16 3.00
Earnings yield 0.00% (12,104.26%) 2.64%
Free cash flow yield 0.00% (4,937.83%) 2.30%

Profitability

Metric TIRXF XHG Insurance Brokers median
Gross margin 0.00% 0.00% 42.95%
Operating margin 0.00% 0.00% 15.37%
Net margin (238.69%) 37.67% 8.77%
Free cash flow margin 0.00% 0.00% 3.89%
Return on equity 0.00% 0.00% 0.00%
Return on assets 0.00% 0.00% 2.23%
Return on invested capital 0.00% 0.00% 5.27%

Growth

Metric TIRXF XHG Insurance Brokers median
Revenue growth (TTM) — (38.89%) 7.09%
EPS growth (last fiscal year) 37.47% 98.64% —
Revenue growth, 5-year CAGR 9.96% (21.54%) 9.30%
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric TIRXF XHG Insurance Brokers median
Debt to equity 0.05 (0.04) 0.19
Current ratio 11.50 0.04 1.55
Net debt to EBITDA 6.25 (0.03) 0.89

Dividend

Metric TIRXF XHG Insurance Brokers median
Dividend yield — — 1.36%
Payout ratio 0.00 0.00 0.00

Size

Metric TIRXF XHG Insurance Brokers median
Market cap 5.72m 102.05m 1.44b

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