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XChange TecXHG -1.81%15 EV-to-EBITDA is 3.37 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 348 Insurance companies, XChange Tec ranks better than 84.48% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, XChange Tec's enterprise value is $307.79 Mil.
XChange Tec's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 was $91.42 Mil. Therefore, XChange Tec's EV-to-EBITDA for today is 3.37.
The historical rank and industry rank for XChange Tec's EV-to-EBITDA or its related term are showing as below:
XHG'
s EV-to-EBITDA Range Over the Past 10 Years
Min: -960.39 Med: -1.87 Max: 3.41
Current: 3.37
During the past 9 years, the highest EV-to-EBITDA of XChange Tec was 3.41. The lowest was -960.39. And the median was -1.87.
XHG's EV-to-EBITDA is ranked better than 84.48% of 348
companies
in the Insurance industry
Industry Median: 7.92
vs XHG: 3.37
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
XChange Tec's PE Ratio (TTM) for today is calculated as:
XChange Tec's share price for today is $4.07.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. XChange Tec's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $1.844.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for XChange Tec's EV-to-EBITDA 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-EBITDA, along with its competitors' market caps and EV-to-EBITDA 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-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, XChange Tec's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where XChange Tec's EV-to-EBITDA falls into.
XChange Tec's current Enterprise Value is $307.79 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. XChange Tec's EBITDA 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-EBITDA of 3.37 as of Aug. 25, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on XChange Tec. According to the industry distribution chart, XChange Tec ranks #54 out of 348 companies in the Insurance industry, placing it in the top 15.5%.
Is XChange Tec's EV-to-EBITDA too high?
XChange Tec's current EV-to-EBITDA is 3.37. The Insurance industry median EV-to-EBITDA is 7.92. XChange Tec's value of 3.37 is 57.4% below this industry median. Based on the distribution chart, XChange Tec ranks #54 out of 348 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-EBITDA compare to EHTH and QDMI?
According to the Insurance industry distribution chart, XChange Tec ranks #54 out of 348 companies for EV-to-EBITDA. This places XChange Tec in the top 16% of its industry — outperforming the majority of peers. The industry median EV-to-EBITDA is 7.92. XChange Tec's value of 3.37 is 57.4% 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-EBITDA for an Insurance company?
The median EV-to-EBITDA among Insurance companies is 7.92, based on 348 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. XChange Tec's current EV-to-EBITDA of 3.37 is 57.4% 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-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on XChange Tec. For the Insurance industry, the median EV-to-EBITDA is 7.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. XChange Tec's current EV-to-EBITDA is 3.37. 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-EBITDA of 3.37. The current EV-to-EBITDA is 3.37 and 57.4% below the Insurance industry median of 7.92. 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-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For XChange Tec (XHG), the current EV-to-EBITDA is 3.37 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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