XHG (XChange Tec) Moat Score: 1/10 (As of Aug. 03, 2026)

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XHG XChange Tec Inc XHG
13 GF Score
Price $0.95
! 6 Warning Signs
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What is XChange Tec Moat Score?

XChange Tec XHG -3.04% 13 Moat Score is 1 as of Aug. 03, 2026. GuruFocus rates XHG with a GF Score™ of 13/100. The stock has 6 warning signs investors should review. Among 593 Insurance companies, XChange Tec ranks better than 66.78% on this metric.

XChange Tec has the Moat Score of 1, which implies that the company might have No Moat - Very weak/transient advantages.

XChange Tec has No Moat: XChange Tec Inc lacks discernible competitive advantages. It operates in a highly competitive tech sector with low switching costs and minimal differentiation, resulting in a very weak moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes XChange Tec might have No Moat - Very weak/transient advantages.

XChange Tec  (NAS:XHG) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

XChange Tec Moat Score Related Terms

XHG vs EHTH, QDMI, HUIZ: Moat Score Comparison

For the Insurance Brokers subindustry, XChange Tec's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, XChange Tec's Moat Score distribution charts can be found below:

* The bar in red indicates where XChange Tec's Moat Score falls into.


XHG
13GF Score
XChange Tec Inc XHG
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 1 mean?
XChange Tec (XHG) has a Moat Score of 1 as of Aug. 03, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, XChange Tec ranks #197 out of 593 companies in the Insurance industry, placing it in the top 33.2%.
Is XChange Tec's Moat Score too high?
XChange Tec's current Moat Score is 1. Based on the distribution chart, XChange Tec ranks #197 out of 593 companies in the Insurance industry, which is above the industry midpoint. 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 Moat Score compare to EHTH and QDMI?
According to the Insurance industry distribution chart, XChange Tec ranks #197 out of 593 companies for Moat Score. This puts XChange Tec in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. XChange Tec's current Moat Score is 1. 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 Moat Score of 1. The current Moat Score is 1. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For XChange Tec (XHG), the current Moat Score is 1 as of Aug. 03, 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 Business Description

Address Guoxia Road, Room 613, No.259, Yangpu District, Shanghai, CHN, 200433
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.
13GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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