XChange TEC.INC
XHGFinancial ServicesNASDAQInsurance Brokers · Last scanned Oct 22, 2026
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Daily timeframeHeadquartered within the financial services sector, XChange TEC.INC focuses on Insurance Brokers services and products. 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. With a market capitalization of $182.5M, it sits in micro-cap territory. 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.
Market Cap
$182.5M
Beta
-0.40
P/E (TTM)
0.04
P/E (Fwd)
—
EPS (TTM)
$92.93
EPS (Fwd)
—
ROE
—
ROA
-20.1%
Cash
$6.8M
Total Debt
$35.6M
Free CF
-$408.3M
52W Change
254.0%
Annual Financials
Cash vs Debt
Where XHG stands vs its 150-day and 200-day moving averages
As of the October 20, 2026 close, XHG finished 102.53% above its 150-day moving average ($1.58) and 128.57% above its 200-day moving average ($1.40). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is XHG overbought or oversold?
At the October 20, 2026 close, XHG's RSI(14) was 70.2, in overbought territory (above 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
The company holds $6.8M in cash, though total debt stands at $35.6M. This level of leverage is common in the industry but worth monitoring as interest rate conditions evolve. Free cash flow is running at -$408.3M, which bears watching. Negative free cash flow can be acceptable during heavy investment periods but needs to improve over time.
With a beta below 0.7, XChange TEC.INC typically sees smaller price swings than the overall market, offering a degree of stability during turbulent periods. XChange TEC.INC carries a heavier debt load relative to its cash position, which introduces financial risk that investors should weigh. The company is burning cash at the operating level, which is not unusual for growth-phase companies but adds risk if it persists. No single metric tells the full story. Reviewing XHG's risk profile alongside its fundamentals and technical indicators provides a more complete picture.