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XCHANGE TEC.INC (XHG) Stock Fundamental Analysis

NASDAQ:XHG - Nasdaq - US74738J4094 - ADR

1.14  +0.22 (+23.91%)

After market: 1.05 -0.09 (-7.89%)

Fundamental Rating

1

Taking everything into account, XHG scores 1 out of 10 in our fundamental rating. XHG was compared to 144 industry peers in the Insurance industry. XHG has a bad profitability rating. Also its financial health evaluation is rather negative. XHG is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

XHG had negative earnings in the past year.
In the past year XHG has reported a negative cash flow from operations.
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 0 200M -200M 400M -400M 600M 800M

1.2 Ratios

With an excellent Return On Assets value of 23.55%, XHG belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
Industry RankSector Rank
ROA 23.55%
ROE N/A
ROIC N/A
ROA(3y)208.11%
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 0 200 400 600 800

1.3 Margins

The Profit Margin of XHG (411.91%) is better than 100.00% of its industry peers.
XHG does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 411.91%
GM N/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
XHG Yearly Profit, Operating, Gross MarginsXHG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2021 2022 2023

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2

2. Health

2.1 Basic Checks

Compared to 1 year ago, XHG has more shares outstanding
Compared to 1 year ago, XHG has an improved debt to assets ratio.
XHG Yearly Shares OutstandingXHG Yearly Shares OutstandingYearly Shares Outstanding 2021 2022 2023 500M 1B 1.5B 2B
XHG Yearly Total Debt VS Total AssetsXHG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2021 2022 2023 200M 400M 600M 800M 1B

2.2 Solvency

Based on the Altman-Z score of -4.47, we must say that XHG is in the distress zone and has some risk of bankruptcy.
XHG has a better Altman-Z score (-4.47) than 66.20% of its industry peers.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Altman-Z -4.47
ROIC/WACCN/A
WACCN/A
XHG Yearly LT Debt VS Equity VS FCFXHG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2021 2022 2023 0 -1B -2B

2.3 Liquidity

A Current Ratio of 0.03 indicates that XHG may have some problems paying its short term obligations.
The Current ratio of XHG (0.03) is better than 63.38% of its industry peers.
A Quick Ratio of 0.03 indicates that XHG may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.03, XHG is in the better half of the industry, outperforming 63.38% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.03
Quick Ratio 0.03
XHG Yearly Current Assets VS Current LiabilitesXHG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2021 2022 2023 500M 1B 1.5B 2B

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0

3. Growth

3.1 Past

XHG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 95.83%, which is quite impressive.
EPS 1Y (TTM)95.83%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
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 2021 2022 2023 500M 1B 1.5B
XHG Yearly EPS VS EstimatesXHG Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 -20K -40K -60K

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0

4. Valuation

4.1 Price/Earnings Ratio

XHG reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
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 -0.5 -1 -1.5

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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0

5. Dividend

5.1 Amount

No dividends for XHG!.
Industry RankSector Rank
Dividend Yield N/A

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XCHANGE TEC.INC

NASDAQ:XHG (1/17/2025, 8:00:02 PM)

After market: 1.05 -0.09 (-7.89%)

1.14

+0.22 (+23.91%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-26 2024-02-26
Earnings (Next)N/A N/A
Inst Owners0.03%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner Change-85.99%
Market Cap128.38M
Analysts45
Price TargetN/A
Short Float %0.35%
Short Ratio0
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 12.27
P/FCF N/A
P/OCF N/A
P/B N/A
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-0.07
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.02
FCFYN/A
OCF(TTM)-0.02
OCFYN/A
SpS0.09
BVpS-0.27
TBVpS-1.83
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 23.55%
ROE N/A
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 411.91%
GM N/A
FCFM N/A
ROA(3y)208.11%
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-Score3
Asset Turnover0.06
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 0.03
Quick Ratio 0.03
Altman-Z -4.47
F-Score3
WACCN/A
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)95.83%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
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-28.55%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-0.7%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-0.7%
OCF growth 3YN/A
OCF growth 5YN/A