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XChange TecXHG -3.04%13 Current Ratio is 0.04 as of Mar. 2026, which is 56% below its 10-year median of 0.09. GuruFocus rates XHG with a GF Score™ of 13/100. The stock has 6 warning signs investors should review. Among 67 Insurance companies, XChange Tec ranks worse than 98.51% on this metric.
The current ratio is a liquidity ratio that measures a company's ability to pay short-term obligations. It is calculated as a company's Total Current Assets divides by its Total Current Liabilities. XChange Tec's current ratio for the quarter that ended in Mar. 2026 was 0.04.
XChange Tec has a current ratio of 0.04. It indicates that the company may have difficulty meeting its current obligations. Low values, however, do not indicate a critical problem. If XChange Tec has good long-term prospects, it may be able to borrow against those prospects to meet current obligations.
The historical rank and industry rank for XChange Tec's Current Ratio or its related term are showing as below:
XHG'
s Current Ratio Range Over the Past 10 Years
Min: 0.03 Med: 0.09 Max: 0.46
Current: 0.04
During the past 9 years, XChange Tec's highest Current Ratio was 0.46. The lowest was 0.03. And the median was 0.09.
XHG's Current Ratio is ranked worse than 98.51% of 67
companies
in the Insurance industry
Industry Median: 1.67
vs XHG: 0.04
The current ratio can give a sense of the efficiency of a company's operating cycle or its ability to turn its product into cash. Companies that have trouble getting paid on their receivables or have long inventory turnover can run into liquidity problems because they are unable to alleviate their obligations. Because business operations differ in each industry, it is always more useful to compare companies within the same industry.
Acceptable current ratios vary from industry to industry and are generally between 1 and 3 for healthy businesses.
The higher the current ratio, the more capable the company is of paying its obligations. A ratio under 1 suggests that the company would be unable to pay off its obligations if they came due at that point. While this shows the company is not in good financial health, it does not necessarily mean that it will go bankrupt - as there are many ways to access financing - but it is definitely not a good sign.
If all other things were equal, a creditor, who is expecting to be paid in the next 12 months, would consider a high current ratio to be better than a low current ratio, because a high current ratio means that the company is more likely to meet its liabilities which fall due in the next 12 months.
XChange Tec Current Ratio Related Terms
XChange Tec Current Ratio Historical Data
* Premium members only.
The historical data trend for XChange Tec's Current Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Insurance Brokers subindustry, XChange Tec's Current Ratio, along with its competitors' market caps and Current Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
XChange Tec Current Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, XChange Tec's Current Ratio distribution charts can be found below:
* The bar in red indicates where XChange Tec's Current Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
XChange Tec (XHG) has a Current Ratio of 0.04 as of Mar. 2026. This is 56% below median its historical median of 0.09. Over the past decade, XChange Tec's Current Ratio has ranged from 0.03 to 0.46. According to the industry distribution chart, XChange Tec ranks #66 out of 67 companies in the Insurance industry, placing it in the top 98.5%.
Is XChange Tec's Current Ratio too high?
XChange Tec's current Current Ratio of 0.04 is 56% below median its 10-year median of 0.09. Over the past 10 years, this metric has ranged from a low of 0.03 to a high of 0.46. The Insurance industry median Current Ratio is 1.67. XChange Tec's value of 0.04 is 97.6% below this industry median. Based on the distribution chart, XChange Tec ranks #66 out of 67 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, XChange Tec has a GF Score™ of 13/100, reflecting its overall financial health beyond just this single metric.
How does XChange Tec's Current Ratio compare to EHTH and QDMI?
According to the Insurance industry distribution chart, XChange Tec ranks #66 out of 67 companies for Current Ratio. This places XChange Tec in the lower half of its industry. The industry median Current Ratio is 1.67. XChange Tec's value of 0.04 is 97.6% below this benchmark. Historically, XChange Tec's own Current Ratio has ranged from 0.03 to 0.46 over the past decade. While the company's 10-year median is 0.09 vs. the industry median of 1.67, XChange Tec has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Current Ratio for an Insurance company?
The median Current Ratio among Insurance companies is 1.67, based on 67 companies in the industry. Companies in the top quartile (top 25%) have a Current Ratio significantly above this median, while those in the bottom quartile fall well below. However, Current Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. XChange Tec's current Current Ratio of 0.04 is 97.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Current Ratio mean?
A high Current Ratio can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median Current Ratio is 1.67 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. XChange Tec's current Current Ratio is 0.04, which is 56% below median its own 10-year median of 0.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is XChange Tec stock overvalued right now?
XChange Tec (XHG) has a current Current Ratio of 0.04. The current Current Ratio is 0.04, which is 56% below median its 10-year median of 0.09 and 97.6% below the Insurance industry median of 1.67. XChange Tec's overall GF Score™ is 13/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Current Ratio calculated?
Current Ratio is calculated from a company's financial statements. For XChange Tec (XHG), the current Current Ratio is 0.04 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
XChange Tec Inc, through its subsidiaries, operates in the insurance agency and insurance technology business. The company specialized in distributing automobile insurance policies at the earlier stage of business and subsequently expanded its insurance product portfolio to include other types of insurance, including life, health, group accident, and other property-related insurances. A maximum of the insurance purchased through platform and agency services is for automobile insurance.
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