XChange TecXHG -2.48%29 EV-to-FCF is 7,946.06 as of Jun. 29, 2026. GuruFocus rates XHG with a GF Score™ of 29/100. The stock has 7 warning signs investors should review. Among 395 Insurance companies, XChange Tec ranks worse than 100% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, XChange Tec's Enterprise Value is $143.03 Mil.
XChange Tec's Free Cash Flow for the trailing twelve months (TTM) ended in Sep. 2025 was $0.02 Mil. Therefore, XChange Tec's EV-to-FCF for today is 7,946.06.
The historical rank and industry rank for XChange Tec's EV-to-FCF or its related term are showing as below:
XHG'
s EV-to-FCF Range Over the Past 10 Years
Min: -48368.26 Med: -38.82 Max: 7946.06
Current: 7946.06
During the past 9 years, the highest EV-to-FCF of XChange Tec was 7946.06. The lowest was -48368.26. And the median was -38.82.
XHG's EV-to-FCF is ranked worse than 100% of 395
companies
in the Insurance industry
Industry Median: 9.32
vs XHG: 7946.06
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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 $0.9001.
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 Sep. 2025 was $-89.247.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
XChange Tec EV-to-FCF Related Terms
XChange Tec EV-to-FCF Historical Data
* Premium members only.
The historical data trend for XChange Tec's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, XChange Tec's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where XChange Tec's EV-to-FCF falls into.
XChange Tec's current Enterprise Value is $143.03 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. XChange Tec's Free Cash Flow for the trailing twelve months (TTM) ended in Sep. 2025 was $0.02 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-FCF of 7,946.06 as of Jun. 29, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on XChange Tec and its competitors. According to the industry distribution chart, XChange Tec ranks #395 out of 395 companies in the Insurance industry.
Is XChange Tec's EV-to-FCF too high?
XChange Tec's current EV-to-FCF is 7,946.06. The Insurance industry median EV-to-FCF is 9.32. XChange Tec's value of 7,946.06 is 85158.2% above this industry median. Based on the distribution chart, XChange Tec ranks #395 out of 395 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, XChange Tec has a GF Score™ of 29/100, reflecting its overall financial health beyond just this single metric.
How does XChange Tec's EV-to-FCF compare to EHTH and QDMI?
According to the Insurance industry distribution chart, XChange Tec ranks #395 out of 395 companies for EV-to-FCF. This places XChange Tec in the lower half of its industry. The industry median EV-to-FCF is 9.32. XChange Tec's value of 7,946.06 is 85158.2% above 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-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.32, based on 395 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. XChange Tec's current EV-to-FCF of 7,946.06 is 85158.2% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on XChange Tec and its competitors. For the Insurance industry, the median EV-to-FCF is 9.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. XChange Tec's current EV-to-FCF is 7,946.06. 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-FCF of 7,946.06. The current EV-to-FCF is 7,946.06 and 85158.2% above the Insurance industry median of 9.32. XChange Tec's overall GF Score™ is 29/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For XChange Tec (XHG), the current EV-to-FCF is 7,946.06 as of Jun. 29, 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.
29GF Score
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