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XChange TECINC DRC (XHG)

Featured in Technical Strength Leaders

XChange TEC.INC DRC (XHG) is a NASDAQ-listed depositary receipt tied to XChange TEC.INC, a China-based company operating in insurance agency and insurance technology. Through its subsidiaries, the business serves individual consumers in the People’s Republic of China by distributing insurance products underwritten by third-party insurers, including state-owned and regional property and casualty carriers. Its product mix includes automobile, life, health, group accident, and other property-related coverage. The company also runs a SaaS platform designed to support both offline and online customers. XChange TEC.INC sells insurance through external referral sources, such as registered sales representatives and distribution partners, as well as its own sales team. Formerly known as FLJ Group Limited, the company adopted its current name in May 2024 and was founded in 2007.


Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Technical Outlook FAQ

Jump between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NASDAQ-XHG
$1.03
9.4% Upside
Fair
—
—
—
Weak
—
—
—
0.0%
January 15, 2027
-3.7x
-0.4x
0.9x
48.455 M
51.898 M
9.8%
81.2%
-512.2
—
13.8%
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Valuation • Fair Value

XChange TECINC DRC (NASDAQ-XHG) Fair Value by Valuation Model

Compare the primary fair value estimate for XChange TECINC DRC (NASDAQ-XHG) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$1.03

Estimated upside of 9.4% versus the current market price.

Fair Value Confidence

Low

Confidence level for the primary fair value estimate.

DCF Fair Value

NM

Discounted cash flow valuation reference.

Ben Graham Formula Value

$0

Classic Ben Graham valuation formula reference.

DDM Fair Value

NM

Dividend discount model valuation reference.

EPV Fair Value

NM

Earnings power value estimate.

Comps Fair Value

$1.03

Comparable-company valuation reference.

Analyst Price Target

Not available

Data is currently unavailable.

How to read these valuation models

Use this section to compare the primary fair value estimate for XChange TECINC DRC (NASDAQ-XHG) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

Profitability & Growth for XChange TECINC DRC (NASDAQ-XHG)

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

56.165 M

Current operating scale indicator.

Revenue Forecast

64.771 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

EBITDA Forecast

Not available

Data is currently unavailable.

How to read profitability and growth

This section helps investors review XChange TECINC DRC (NASDAQ-XHG) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for XChange TECINC DRC (NASDAQ-XHG)

Review financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Weak

Financial pressure deserves closer review.

Piotroski Score

4

Mid-range quality score.

Beneish M-Score

NM

Forensic accounting screen.

Altman Z-Score

-512.2

Lower score that deserves closer risk review.

FCF / Net Income

13.8%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for XChange TECINC DRC (NASDAQ-XHG). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for XChange TECINC DRC (NASDAQ-XHG)

Track the next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

January 15, 2027

Days to Earnings

178

Dividend Payment Date

Not available

Ex-Dividend Date

Not available

Dividend Yield

0.0%

Income yield reference.

Upcoming Dividend

Not available

Data is currently unavailable.

Payment Type

Not available

Data is currently unavailable.

Dividend Currency

Not available

Data is currently unavailable.

Payout Ratio

Not available

Data is currently unavailable.

How to read events and dividends

This section helps investors track time-sensitive items for XChange TECINC DRC (NASDAQ-XHG), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

XChange TECINC DRC (NASDAQ-XHG) Stock Forecast & Technical Outlook

Review XChange TECINC DRC (NASDAQ-XHG) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Buy

The 15-minute technical read for XChange TECINC DRC (NASDAQ-XHG) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Buy

The 1-hour technical read for XChange TECINC DRC (NASDAQ-XHG) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Buy

The daily technical read for XChange TECINC DRC (NASDAQ-XHG) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Sell

The weekly technical read for XChange TECINC DRC (NASDAQ-XHG) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Sell

The monthly technical read for XChange TECINC DRC (NASDAQ-XHG) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for XChange TECINC DRC (NASDAQ-XHG)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Hold

Based on the available recommendation mix, XChange TECINC DRC (NASDAQ-XHG) has a Hold consensus, with 0 buy, 1 hold and 0 sell recommendations in the current data set.

Buy 0
Hold 1
Sell 0
FAQ • Fast Investor Answers

XChange TECINC DRC (NASDAQ-XHG) Stock FAQ

Quick answers about XChange TECINC DRC (NASDAQ-XHG) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$1.03
Estimated upside 9.4%
Valuation Rating
Undervalued
Estimated upside of 9.4%
Analyst Target
Not available
Data is currently unavailable
Financial Health
Weak
Current financial-health read

The current fair value estimate for XChange TECINC DRC (NASDAQ-XHG) is $1.03. This implies an estimated upside of 9.4% versus the current market price.

Based on the current fair value estimate, the stock appears undervalued, with estimated upside of 9.4% versus the current market price.

An analyst price target for XChange TECINC DRC (NASDAQ-XHG) is not currently available in the latest data file.

The current financial health read for XChange TECINC DRC (NASDAQ-XHG) is Weak. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for XChange TECINC DRC (NASDAQ-XHG) is January 15, 2027.

Based on the current data, dividend yield is 0.0%.

The current P/E ratio listed for XChange TECINC DRC (NASDAQ-XHG) is -3.7x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for XChange TECINC DRC is 48.455 M.

The current enterprise value listed for XChange TECINC DRC is 51.898 M. Enterprise value can provide a broader valuation view than market capitalization alone because it also considers net debt.

The ticker symbol for XChange TECINC DRC is NASDAQ-XHG, and the stock is listed on NASDAQ.

XChange TECINC DRC (NASDAQ-XHG) is listed on NASDAQ.

The current debt-to-total-capital ratio listed for XChange TECINC DRC is 9.8%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for XChange TECINC DRC is 81.2%. Free float helps investors understand how much of the share base is available for public trading.

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