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XChange TecXHG -3.04%13 Days Payable is 27.90 as of Mar. 2026, which is 69% below its 10-year median of 91.00. GuruFocus rates XHG with a GF Score™ of 13/100. The stock has 6 warning signs investors should review. Among 55 Insurance companies, XChange Tec ranks better than 85.45% on this metric.
The historical data trend for XChange Tec's Days Payable 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 Days Payable, along with its competitors' market caps and Days Payable 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 Days Payable vs Insurance Industry
For the Insurance industry and Financial Services sector, XChange Tec's Days Payable distribution charts can be found below:
* The bar in red indicates where XChange Tec's Days Payable falls into.
Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.
XChange Tec's Days Payable for the fiscal year that ended in Sep. 2025 is calculated as
* 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 Days Payable of 27.90 as of Mar. 2026. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on XChange Tec and its competitors. This is 69% below median its historical median of 91.00. Over the past decade, XChange Tec's Days Payable has ranged from 24.66 to 34,174.95. According to the industry distribution chart, XChange Tec ranks #8 out of 55 companies in the Insurance industry, placing it in the top 14.5%.
Is XChange Tec's Days Payable too high?
XChange Tec's current Days Payable of 27.90 is 69% below median its 10-year median of 91.00. Over the past 10 years, this metric has ranged from a low of 24.66 to a high of 34,174.95. The Insurance industry median Days Payable is 50.38. XChange Tec's value of 27.90 is 44.6% below this industry median. Based on the distribution chart, XChange Tec ranks #8 out of 55 companies in the Insurance industry, which is in the top quartile — a strong position 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 Days Payable compare to EHTH and QDMI?
According to the Insurance industry distribution chart, XChange Tec ranks #8 out of 55 companies for Days Payable. This places XChange Tec in the top 15% of its industry — outperforming the majority of peers. The industry median Days Payable is 50.38. XChange Tec's value of 27.90 is 44.6% below this benchmark. Historically, XChange Tec's own Days Payable has ranged from 24.66 to 34,174.95 over the past decade. While the company's 10-year median is 91.00 vs. the industry median of 50.38, 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 Days Payable for an Insurance company?
The median Days Payable among Insurance companies is 50.38, based on 55 companies in the industry. Companies in the top quartile (top 25%) have a Days Payable significantly above this median, while those in the bottom quartile fall well below. However, Days Payable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. XChange Tec's current Days Payable of 27.90 is 44.6% 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 Days Payable mean?
A high Days Payable can signal that a stock is expensive relative to its fundamentals. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on XChange Tec and its competitors. For the Insurance industry, the median Days Payable is 50.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. XChange Tec's current Days Payable is 27.90, which is 69% below median its own 10-year median of 91.00. 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 Days Payable of 27.90. The current Days Payable is 27.90, which is 69% below median its 10-year median of 91.00 and 44.6% below the Insurance industry median of 50.38. 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 Days Payable calculated?
Days Payable is calculated from a company's financial statements. For XChange Tec (XHG), the current Days Payable is 27.90 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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