XChange TEC. (XHG) Stock Analysis & Winston Score

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 Sa

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-141.3% YoY

YoY Growth Rate

Revenue declining

EPS Growth

-100.0% YoY

YoY Growth Rate

Earnings declining

Insider Activity

97.9%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Runway

~10 months

$11M cash & investments

Short runway — potential dilution ahead through share issuance

Cash watch

XChange TEC. has less than a year of cash at its current burn rate. Growth investors should watch for potential share dilution from future fundraising — that directly reduces your ownership.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

2.4%

Thin — 2.4% gross margin

Operating Margin

-375.7%

Losing money on operations — -375.7%

ROCE

N/A

Data not available

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Growth

Sales YoY

-11.5%

Shrinking sales (-11.5% YoY)

EPS YoY

-100.0%

Earnings shrinking (-100.0% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

EPS Consistency

2/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Cash Conversion

N/A

Data not available

FCF Margin

-7.3%

Burning cash (-7.3%)

Free cash flow is negative. They are burning cash, not generating it.

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Stability

Debt / Equity

N/A

—

Data not available

Interest Cover

N/A

Data not available

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Valuation

P/E Ratio (TTM)

N/M

no trend

Negative earnings — P/E not meaningful

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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