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XChange TecXHG -4.38%8 3-Year EBITDA Growth Rate is 94.10% as of Mar. 2026, which is 66% above its 10-year median of 56.60. GuruFocus rates XHG with a GF Score™ of 8/100. The stock has 7 warning signs investors should review. Among 287 Insurance companies, XChange Tec ranks better than 94.77% on this metric.
During the past 3 years, the average EBITDA Per Share Growth Rate was 94.10% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was 86.80% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
During the past 9 years, the highest 3-Year average EBITDA Per Share Growth Rate of XChange Tec was 94.10% per year. The lowest was -128.10% per year. And the median was 56.60% per year.
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
XChange Tec 3-Year EBITDA Growth Rate Related Terms
XHG vs AIFU, SLQT, QDMI: 3-Year EBITDA Growth Rate Comparison
For the Insurance Brokers subindustry, XChange Tec's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA Growth Rate 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 3-Year EBITDA Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, XChange Tec's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where XChange Tec's 3-Year EBITDA Growth Rate falls into.
This is the 3-year average growth rate of EBITDA per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 94.10% mean?
XChange Tec (XHG) has a 3-Year EBITDA Growth Rate of 94.10% as of Mar. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for XChange Tec and its competitors. This is 66% above median its historical median of 56.60. According to the industry distribution chart, XChange Tec ranks #15 out of 287 companies in the Insurance industry, placing it in the top 5.2%.
Is XChange Tec's 3-Year EBITDA Growth Rate too high?
XChange Tec's current 3-Year EBITDA Growth Rate of 94.10% is 66% above median its 10-year median of 56.60. The Insurance industry median 3-Year EBITDA Growth Rate is 15.40. XChange Tec's value of 94.10% is 511% above this industry median. Based on the distribution chart, XChange Tec ranks #15 out of 287 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 8/100, reflecting its overall financial health beyond just this single metric.
How does XChange Tec's 3-Year EBITDA Growth Rate compare to AIFU and SLQT?
According to the Insurance industry distribution chart, XChange Tec ranks #15 out of 287 companies for 3-Year EBITDA Growth Rate. This places XChange Tec in the top 5% of its industry — outperforming the majority of peers. The industry median 3-Year EBITDA Growth Rate is 15.40. XChange Tec's value of 94.10% is 511% above this benchmark. While the company's 10-year median is 56.60 vs. the industry median of 15.40, XChange Tec has consistently been above 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 3-Year EBITDA Growth Rate for an Insurance company?
The median 3-Year EBITDA Growth Rate among Insurance companies is 15.40, based on 287 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. XChange Tec's current 3-Year EBITDA Growth Rate of 94.10% is 511% above 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 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for XChange Tec and its competitors. For the Insurance industry, the median 3-Year EBITDA Growth Rate is 15.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. XChange Tec's current 3-Year EBITDA Growth Rate is 94.10%, which is 66% above median its own 10-year median of 56.60. 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 3-Year EBITDA Growth Rate of 94.10%. The current 3-Year EBITDA Growth Rate is 94.10%, which is 66% above median its 10-year median of 56.60 and 511% above the Insurance industry median of 15.40. XChange Tec's overall GF Score™ is 8/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For XChange Tec (XHG), the current 3-Year EBITDA Growth Rate is 94.10% 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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