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XChange TecXHG -7.03%15 EV-to-EBIT is 3.41 as of Aug. 25, 2026. GuruFocus rates XHG with a GF Score™ of 15/100. The stock has 9 warning signs investors should review. Among 345 Insurance companies, XChange Tec ranks better than 86.38% on this metric.
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
XChange Tec's Enterprise Value for the quarter that ended in Mar. 2026 was $143.08 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. XChange Tec's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 was $91.42 Mil.
* 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 EV-to-EBIT Related Terms
XChange Tec EV-to-EBIT Historical Data
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The historical data trend for XChange Tec's EV-to-EBIT 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 EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Insurance Industry
For the Insurance industry and Financial Services sector, XChange Tec's EV-to-EBIT distribution charts can be found below:
* The bar in red indicates where XChange Tec's EV-to-EBIT falls into.
XChange Tec's current Enterprise Value is $311.65 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. XChange Tec's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 was $91.42 Mil.
* 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 EV-to-EBIT of 3.41 as of Aug. 25, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on XChange Tec and its competitors. According to the industry distribution chart, XChange Tec ranks #47 out of 345 companies in the Insurance industry, placing it in the top 13.6%.
Is XChange Tec's EV-to-EBIT too high?
XChange Tec's current EV-to-EBIT is 3.41. The Insurance industry median EV-to-EBIT is 8.57. XChange Tec's value of 3.41 is 60.2% below this industry median. Based on the distribution chart, XChange Tec ranks #47 out of 345 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 15/100, reflecting its overall financial health beyond just this single metric.
How does XChange Tec's EV-to-EBIT compare to EHTH and QDMI?
According to the Insurance industry distribution chart, XChange Tec ranks #47 out of 345 companies for EV-to-EBIT. This places XChange Tec in the top 14% of its industry — outperforming the majority of peers. The industry median EV-to-EBIT is 8.57. XChange Tec's value of 3.41 is 60.2% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-EBIT for an Insurance company?
The median EV-to-EBIT among Insurance companies is 8.57, based on 345 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. XChange Tec's current EV-to-EBIT of 3.41 is 60.2% 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 EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on XChange Tec and its competitors. For the Insurance industry, the median EV-to-EBIT is 8.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. XChange Tec's current EV-to-EBIT is 3.41. 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 EV-to-EBIT of 3.41. The current EV-to-EBIT is 3.41 and 60.2% below the Insurance industry median of 8.57. XChange Tec's overall GF Score™ is 15/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For XChange Tec (XHG), the current EV-to-EBIT is 3.41 as of Aug. 25, 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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