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XChange TecXHG -3.04%13 Net Debt Paydown Yield % is 109.43% as of Aug. 03, 2026, which is 728% above its 10-year median of 13.21. GuruFocus rates XHG with a GF Score™ of 13/100. The stock has 6 warning signs investors should review. Among 420 Insurance companies, XChange Tec ranks better than 99.05% on this metric.
Net Debt Paydown Yield % is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. It is a measure of a company's willingness and ability to reduce its debt.
As of today, XChange Tec's Net Debt Paydown Yield % was 109.43%.
XChange Tec (NAS:XHG) Net Debt Paydown Yield % Explanation
Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced. In other words, it is a measure of the willingness and ability of a firm's management to pay down debt. Companies that have high debt paydown yields indicate that they are more aggressive with paying down debt.
In the calculation of Net Debt Paydown Yield %, we use the reductions of TTM average total debt one-year-ago and TTM average total debt at present, divided by its Market Cap.
XChange Tec Net Debt Paydown Yield % Related Terms
XChange Tec Net Debt Paydown Yield % Historical Data
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The historical data trend for XChange Tec's Net Debt Paydown Yield % 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.
XHG vs EHTH, QDMI, HUIZ: Net Debt Paydown Yield % Comparison
For the Insurance Brokers subindustry, XChange Tec's Net Debt Paydown Yield %, along with its competitors' market caps and Net Debt Paydown Yield % 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 Net Debt Paydown Yield % vs Insurance Industry
For the Insurance industry and Financial Services sector, XChange Tec's Net Debt Paydown Yield % distribution charts can be found below:
* The bar in red indicates where XChange Tec's Net Debt Paydown Yield % falls into.
* 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.
* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Net Debt Paydown Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.
What does a Net Debt Paydown Yield % of 109.43% mean?
XChange Tec (XHG) has a Net Debt Paydown Yield % of 109.43% as of Aug. 03, 2026. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on XChange Tec and its competitors. This is 728% above median its historical median of 13.21. According to the industry distribution chart, XChange Tec ranks #4 out of 420 companies in the Insurance industry, placing it in the top 1%.
Is XChange Tec's Net Debt Paydown Yield % too high?
XChange Tec's current Net Debt Paydown Yield % of 109.43% is 728% above median its 10-year median of 13.21. Based on the distribution chart, XChange Tec ranks #4 out of 420 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 13/100, reflecting its overall financial health beyond just this single metric.
How does XChange Tec's Net Debt Paydown Yield % compare to EHTH and QDMI?
According to the Insurance industry distribution chart, XChange Tec ranks #4 out of 420 companies for Net Debt Paydown Yield %. This places XChange Tec in the top 1% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Debt Paydown Yield % for an Insurance company?
A good Net Debt Paydown Yield % depends on the Insurance industry context. However, Net Debt Paydown Yield % 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 Net Debt Paydown Yield % mean?
A high Net Debt Paydown Yield % can signal that a stock is expensive relative to its fundamentals. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on XChange Tec and its competitors. XChange Tec's current Net Debt Paydown Yield % is 109.43%, which is 728% above median its own 10-year median of 13.21. 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 Net Debt Paydown Yield % of 109.43%. The current Net Debt Paydown Yield % is 109.43%, which is 728% above median its 10-year median of 13.21. 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 Net Debt Paydown Yield % calculated?
Net Debt Paydown Yield % is calculated from a company's financial statements. For XChange Tec (XHG), the current Net Debt Paydown Yield % is 109.43% 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 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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