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XCHANGE TEC.INC (XHG) Stock Fundamental Analysis

NASDAQ:XHG - Nasdaq - US74738J4094 - ADR - Currency: USD

1.38  +0.07 (+5.34%)

Fundamental Rating

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Taking everything into account, XHG scores 1 out of 10 in our fundamental rating. XHG was compared to 143 industry peers in the Insurance industry. XHG has a bad profitability rating. Also its financial health evaluation is rather negative. XHG has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

XHG had negative earnings in the past year.
XHG had a negative operating cash flow in the past year.
XHG Yearly Net Income VS EBIT VS OCF VS FCFXHG Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2021 2022 2023 2024 0 200M -200M 400M -400M 600M 800M

1.2 Ratios

The Return On Assets of XHG (-28.97%) is worse than 95.80% of its industry peers.
Industry RankSector Rank
ROA -28.97%
ROE N/A
ROIC N/A
ROA(3y)248.69%
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
XHG Yearly ROA, ROE, ROICXHG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2021 2022 2023 2024 0 200 400 600 800

1.3 Margins

Looking at the Gross Margin, with a value of 4.67%, XHG belongs to the top of the industry, outperforming 86.01% of the companies in the same industry.
XHG does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 4.67%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
XHG Yearly Profit, Operating, Gross MarginsXHG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2021 2022 2023 2024 0 -20 -40 -60

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2. Health

2.1 Basic Checks

XHG does not have a ROIC to compare to the WACC, probably because it is not profitable.
XHG has more shares outstanding than it did 1 year ago.
The debt/assets ratio for XHG is higher compared to a year ago.
XHG Yearly Shares OutstandingXHG Yearly Shares OutstandingYearly Shares Outstanding 2021 2022 2023 2024 1B 2B 3B
XHG Yearly Total Debt VS Total AssetsXHG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.2 Solvency

Based on the Altman-Z score of -8.32, we must say that XHG is in the distress zone and has some risk of bankruptcy.
XHG's Altman-Z score of -8.32 is fine compared to the rest of the industry. XHG outperforms 65.03% of its industry peers.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Altman-Z -8.32
ROIC/WACCN/A
WACC5.12%
XHG Yearly LT Debt VS Equity VS FCFXHG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2021 2022 2023 2024 0 -1B -2B

2.3 Liquidity

XHG has a Current Ratio of 0.05. This is a bad value and indicates that XHG is not financially healthy enough and could expect problems in meeting its short term obligations.
With a decent Current ratio value of 0.05, XHG is doing good in the industry, outperforming 64.34% of the companies in the same industry.
XHG has a Quick Ratio of 0.05. This is a bad value and indicates that XHG is not financially healthy enough and could expect problems in meeting its short term obligations.
XHG has a better Quick ratio (0.05) than 64.34% of its industry peers.
Industry RankSector Rank
Current Ratio 0.05
Quick Ratio 0.05
XHG Yearly Current Assets VS Current LiabilitesXHG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2021 2022 2023 2024 500M 1B 1.5B 2B

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3. Growth

3.1 Past

The earnings per share for XHG have decreased strongly by -600.00% in the last year.
EPS 1Y (TTM)-600%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-500%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
XHG Yearly Revenue VS EstimatesXHG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2024 500M 1B 1.5B
XHG Yearly EPS VS EstimatesXHG Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 -200K -400K -600K -800K -1M

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for XHG. In the last year negative earnings were reported.
Industry RankSector Rank
PE N/A
Fwd PE N/A
XHG Price Earnings VS Forward Price EarningsXHG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
XHG Per share dataXHG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 -1 -2 -3

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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5. Dividend

5.1 Amount

XHG does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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XCHANGE TEC.INC

NASDAQ:XHG (7/29/2025, 4:30:02 PM)

1.38

+0.07 (+5.34%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-26 2024-02-26
Earnings (Next)N/A N/A
Inst Owners0%
Inst Owner Change-0.1%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap71.14M
Analysts45
Price TargetN/A
Short Float %19.77%
Short Ratio0.73
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 1.77
P/FCF N/A
P/OCF N/A
P/B N/A
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-1.99
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.03
FCFYN/A
OCF(TTM)-0.03
OCFYN/A
SpS0.78
BVpS-1.51
TBVpS-3.42
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -28.97%
ROE N/A
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 4.67%
FCFM N/A
ROA(3y)248.69%
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.37
Health
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.05
Quick Ratio 0.05
Altman-Z -8.32
F-Score5
WACC5.12%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-600%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-500%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-5.99%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y75.49%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y75.49%
OCF growth 3YN/A
OCF growth 5YN/A