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XChange TecXHG -3.04%13 Net Margin % is -9.05% as of Mar. 2026. GuruFocus rates XHG with a GF Score™ of 13/100. The stock has 6 warning signs investors should review. Among 499 Insurance companies, XChange Tec ranks better than 99.8% on this metric.
Net margin is calculated as Net Income divided by its Revenue. XChange Tec's Net Income for the
six
months ended in Mar. 2026 was $-2.60 Mil. XChange Tec's Revenue for the
six
months ended in Mar. 2026 was $28.70 Mil. Therefore, XChange Tec's net margin for the quarter that ended in Mar. 2026 was -9.05%.
The historical rank and industry rank for XChange Tec's Net Margin % or its related term are showing as below:
XHG'
s Net Margin % Range Over the Past 10 Years
Min: -205.88 Med: -67.42 Max: 2257.79
Current: 2257.79
XHG's Net Margin % is ranked better than 99.8% of 499
companies
in the Insurance industry
Industry Median: 9.2
vs XHG: 2257.79
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
XChange Tec Net Margin % Related Terms
XChange Tec Net Margin % Historical Data
* Premium members only.
The historical data trend for XChange Tec's Net Margin % 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, XChange Tec's Net Margin % distribution charts can be found below:
* The bar in red indicates where XChange Tec's Net Margin % 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.
XChange Tec (XHG) has a Net Margin % of -9.05% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on XChange Tec and its competitors. According to the industry distribution chart, XChange Tec ranks #1 out of 499 companies in the Insurance industry, placing it in the top 0.2%.
Is XChange Tec's Net Margin % too high?
XChange Tec's current Net Margin % is -9.05%. Based on the distribution chart, XChange Tec ranks #1 out of 499 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 Margin % compare to EHTH and QDMI?
According to the Insurance industry distribution chart, XChange Tec ranks #1 out of 499 companies for Net Margin %. This places XChange Tec in the top 0% of its industry — outperforming the majority of peers. The industry median Net Margin % is 9.20. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.20, based on 499 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % 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 Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on XChange Tec and its competitors. For the Insurance industry, the median Net Margin % is 9.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. XChange Tec's current Net Margin % is -9.05%. 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 Margin % of -9.05%. The current Net Margin % is -9.05%. 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 Margin % calculated?
Net Margin % is calculated from a company's financial statements. For XChange Tec (XHG), the current Net Margin % is -9.05% as of Mar. 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.
13GF Score
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