US · XHG
XChange TEC.INC
- Sector
- Real Estate · Real Estate - Services
- Headquarters
- Shanghai 200023
- Website
- ir.fenglinju.cn
Price · as of 2025-09-30
$1.03
Market cap 40.85M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $0.30 | -70.87% |
| Intrinsic Value(DCF) | $0.38 | -63.11% |
| Graham-Dodd Method(GD) | — | — |
| Graham Formula(GF) | — | — |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | |||||
| 2015 | |||||
| 2016 | |||||
| 2017 | |||||
| 2018 | |||||
| 2019 | $1,150,400.00 | $460,212.28 | $1,092.41 | ||
| 2020 | $328,000.00 | $131,223.35 | $0.00 | ||
| 2021 | $36,320.00 | $15,035.60 | |||
| 2022 | $40,640.00 | $0.00 | |||
| 2023 | $604.00 | $616.47 | |||
| 2024 | $36.00 | $0.00 | $0.00 | ||
| 2025 | $0.94 | $2.04 | $0.00 | $0.00 | $0.00 |
AI valuation
Our deep-learning model estimates XChange TEC.INC's (XHG) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $0.30
- Current price
- $1.03
- AI upside
- -70.87%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$0.38
-63.11% upside
Graham-Dodd
—
— upside
Graham Formula
—
— upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| XHG | XChange TEC.INC | $1.03 | 40.85M | +98% | -63% | — | — | -0.19 | -0.16 | 0.39 | -24.72 | -0.02 | -0.16 | 0.00% | -0.20% | -204.90% | 102.82% | -0.42% | -173.36% | -0.80 | -26.17 | 0.06 | 0.05 | -20.59 | 110788.00% | 2503.00% | 1431.00% | -7.96% | -0.02 | -6.52% | 0.00% | 0.00% | 286.23% | -1151.15 | -74.25 | 2.30 | -99.11 |
About XChange TEC.INC
XChange TEC.INC engages in the professional insurance agency business in the People's Republic of China. The company provides a various insurance products underwritten by insurance companies, including state-owned property and casualty insurance companies, as well as various regional property and casualty insurance companies. It also offers automobile, life, health, group accident, and other property related insurances primarily to individual end consumers. In addition, the company operates a SaaS platform to offer comprehensive services to online customers. It sells insurance primarily through a network of external referral sources that include external registered sales representatives and strategic channel partners, as well as through the 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 2012 and is based in Shanghai, the People's Republic of China.
- CEO
- Zhichen Sun
- Employees
- 38
- Beta
- -1.00
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($0.38 ÷ $1.03) − 1 = -63.11% (DCF, example).