Stock fact sheet · data as of
XChange TEC.INC (XHG): fair value, margin of safety and Wheel Score
Ticker symbol XHG · Financial Services · Insurance - Brokers · China · ADR · Speculative
XHG is an American depositary share (ADR): the US listing of XChange TEC.INC, whose own shares trade on its home exchange. It trades in dollars during US hours; currency moves and the home country's rules also affect it, and the depositary bank charges a small yearly fee.
Is XHG undervalued?
At 3.32 (close of 5 Nov 2026), XHG has no GLS fair value: every one of the nine models needs a positive input (the company lost money over the last twelve months, EPS -0.25, it pays no dividend and its debts exceed what its assets would fetch), so the margin of safety is blank and the Wheel Score cannot be computed. Our scans leave the stock out at the first filter. What can be said from the nightly row is below.
The nightly engine files XHG under Speculative - it is losing money or its Piotroski health score is 3 or lower - which caps its Wheel Score at 45 and keeps it out of the Sunday Scan.
Nine valuation models for XHG
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | - | - | Present value of the projected free cash flows, discounted at the cost of capital; no value tonight |
| Graham Number | - | - | The most a defensive investor pays for the earnings and book value per share; no value tonight |
| Graham Growth | - | - | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields; no value tonight |
| Lynch | - | - | EPS × the earnings growth rate (PEG of 1), growth capped at 25%; no value tonight |
| GLS Growth | - | - | EPS compounded ten years at the blended growth rate, discounted back at 15% a year; no value tonight |
| 10 Cap | - | - | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10%; no value tonight |
| Payback Time | - | - | Eight years of compounded free cash flow: the price at which the business pays for itself; no value tonight |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | - | - | Earnings power value: current EPS capitalised at 9% with no growth; no value tonight |
| Zombie (liquidation) | -2.65 | -180% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
XChange TEC.INC scores only 4 of 9 on the Piotroski F-score, which fails the "Piotroski 6 or more" Wheel Trade Filter. A reading this low means several of the basic tests - positive earnings, positive operating cash flow, falling debt, no new share issuance - are not met. A GLS Moat score of 1.7/10 is a weak reading: the accounts do not show returns and margins that competitors have been unable to wear down, so the Moat part of the Wheel Score contributes little.
Returns on capital are thin or negative - ROIC 0.4%, ROE 0.1%, ROA -1.1% - with debt at -0.80 times equity and negative free cash flow.
XChange TEC.INC pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain.
Institutional ownership scores 3/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 4 / 9 | ROIC | 0.4% |
|---|---|---|---|
| GLS Moat | 1.7 / 10 | ROE | 0.1% |
| Debt / equity | -0.80 | ROA | -1.1% |
| Free-cash-flow yield | -0.3% | Payout ratio | 0% |
| Institutions | 3 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 13: No options
No options are listed on XChange TEC.INC in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 13, under 70) and is left out of every options scan; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 8k shares a day on a market cap of $171M, with a beta of -0.81 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Fails | speculative (a loss, or a weak Piotroski score) |
| 3 | Below fair value | Fails | trades right at our fair value |
| 4 | Financially healthy | Fails | Piotroski 4/9 (under 6) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $171M (under $1.0B) |
| 9 | Not a penny stock | Fails | price 3.32 (under $5) |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Weak | 0% below fair value | |
| Premium | Weak | no option data | |
| Moat | Weak | moat 1.7/10 | |
| Health | Fair | Piotroski 4/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta -0.81, $171M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for XHG in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Insurance - Brokers
The 12 companies below are the closest to XChange TEC.INC by market cap within the Insurance - Brokers industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| QDMI QDM International Inc. | 10.30 | 38.45 | +73% | 33No options | $89M |
| SLQT SelectQuote, Inc. | 0.4914 | 8.45 | +94% | 31Weak | $88M |
| WDH Waterdrop Inc. | 1.01 | 45.70 | +98% | 33No options | $365M |
| TWFG TWFG, Inc. Common Stock | 29.58 | 44.50 | +34% | 33No options | $381M |
| AIFU AIFU Inc. | 9.25 | 5.91 | -56% | 16Weak | $55M |
| EHTH eHealth, Inc. | 0.6347 | 12.35 | +95% | 25Weak | $20M |
| GSHD Goosehead Insurance, Inc | 56.35 | 64.68 | +13% | 37Weak | $2.0B |
| LIFE Ethos Technologies Inc. | 37.13 | 20.58 | -80% | 30Weak | $2.4B |
| BWIN The Baldwin Insurance Group, Inc. | 32.14 | 27.30 | -18% | 11Weak | $2.6B |
| MAAL The Marketing Alliance, Inc. | 1.58 | 5.14 | +69% | 35No options | $11M |
| NP Neptune Insurance Holdings Inc. | 28.55 | 13.69 | -109% | 36Weak | $2.7B |
| CRVL CorVel Corporation | 87.38 | 66.84 | -31% | 41Weak | $4.4B |
⚖ Compare XHG with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about XHG
Is XHG undervalued right now?
The GLS models could not value XHG (the company lost money over the last twelve months, EPS -0.25, it pays no dividend and its debts exceed what its assets would fetch), so there is no fair value or margin of safety to compare the price of 3.32 against.
What is the Wheel Score of XHG and what does it mean?
XHG has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for XHG?
None of the nine GLS models produced a positive value for XHG (the company lost money over the last twelve months, EPS -0.25, it pays no dividend and its debts exceed what its assets would fetch), so there is no GLS fair value tonight.
When does XChange TEC.INC report earnings next?
No upcoming earnings date is recorded for XHG in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does XHG have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on XHG, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.
Is XHG an ADR?
Yes. XHG is an American depositary share (ADR): the US listing of XChange TEC.INC, whose own shares trade on its home exchange. It trades in dollars during US hours; currency moves and the home country's rules also affect it, and the depositary bank charges a small yearly fee.