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XChange TEC.INC XHG
XChange TEC.INC (XHG) earns a Piotroski F-score of 2/9 (weak financial health). It does not currently pay a dividend. FY2025 revenue was $51.3M at a -204.9% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 2/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| XHG | XChange TEC.INC | 2/9 | — | — | +24.9% |
| RDZN | Roadzen Inc. | 3/9 | — | — | +24.2% |
| HIT | Health In Tech, Inc. | 5/9 | — | 53.3 | +91.7% |
| QDMI | QDM International Inc. | 4/9 | — | 9.2 | — |
| EZRA | Reliance Global Group, Inc. | 5/9 | -15.86 | — | -11.6% |
| HUIZ | Huize Holding Ltd | 5/9 | 0.76 | — | +32.2% |
| TWFG | TWFG, Inc. | 3/9 | 9.7 | — | +22% |
All Finance, Insurance & Real Estate companies →
About 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.
FAQ
Is XHG financially healthy?
XChange TEC.INC's Piotroski F-score is 2/9 (8–9 is excellent, 0–3 weak).
Does XHG pay a dividend?
No, XChange TEC.INC does not currently pay a dividend.
How profitable is XHG?
In FY2025, XChange TEC.INC had a net margin of -204.9%.
Is XHG a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on XChange TEC.INC: a Piotroski F-score of 2/9. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-09-30. Facts plus Stocktoria's own computed scores — not investment advice.