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XChange TecXHG +0.09%13 10-Year ROIIC % is -3.95 as of Sep. 2025. GuruFocus rates XHG with a GF Score™ of 13/100. The stock has 6 warning signs investors should review. Among 267 Insurance companies, XChange Tec ranks worse than 87.27% on this metric.
10-Year Return on Invested Incremental Capital (10-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 10-year.
XChange Tec does not have enough data to calculate 10-Year ROIIC %.
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
XChange Tec 10-Year ROIIC % Related Terms
XChange Tec 10-Year ROIIC % Historical Data
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The historical data trend for XChange Tec's 10-Year ROIIC % 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: 10-Year ROIIC % Comparison
For the Insurance Brokers subindustry, XChange Tec's 10-Year ROIIC %, along with its competitors' market caps and 10-Year ROIIC % 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 10-Year ROIIC % vs Insurance Industry
For the Insurance industry and Financial Services sector, XChange Tec's 10-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where XChange Tec's 10-Year ROIIC % falls into.
XChange Tec's 10-Year ROIIC % for the quarter that ended in Sep. 2025 is calculated as:
10-Year ROIIC %
=
10-Year Incremental Net Operating Profit After Taxes (NOPAT)**
/
10-Year Incremental Invested Capital**
=
( -0.005 (Sep. 2025) - (Sep. 2015) )
/
( 127.695 (Sep. 2025) - (Sep. 2015) )
=
/
=
N/A%***
* 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.
** Annual data of NOPAT and Invested Capital was used to calculate 10-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
XChange Tec (XHG) has a 10-Year ROIIC % of -3.95 as of Sep. 2025. 10-Year ROIIC % measures the change in earnings as a percentage of change in investment over 10-year. View historical data on XChange Tec and its competitors. According to the industry distribution chart, XChange Tec ranks #233 out of 267 companies in the Insurance industry, placing it in the top 87.3%.
Is XChange Tec's 10-Year ROIIC % too high?
XChange Tec's current 10-Year ROIIC % is -3.95. Based on the distribution chart, XChange Tec ranks #233 out of 267 companies in the Insurance industry, which is in the bottom quartile 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 10-Year ROIIC % compare to EHTH and QDMI?
According to the Insurance industry distribution chart, XChange Tec ranks #233 out of 267 companies for 10-Year ROIIC %. This places XChange Tec in the lower half of its industry. The industry median 10-Year ROIIC % is 2.97. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 10-Year ROIIC % for an Insurance company?
The median 10-Year ROIIC % among Insurance companies is 2.97, based on 267 companies in the industry. Companies in the top quartile (top 25%) have a 10-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 10-Year ROIIC % 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 10-Year ROIIC % mean?
A high 10-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 10-Year ROIIC % measures the change in earnings as a percentage of change in investment over 10-year. View historical data on XChange Tec and its competitors. For the Insurance industry, the median 10-Year ROIIC % is 2.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. XChange Tec's current 10-Year ROIIC % is -3.95. 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 10-Year ROIIC % of -3.95. The current 10-Year ROIIC % is -3.95. 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 10-Year ROIIC % calculated?
10-Year ROIIC % is calculated from a company's financial statements. For XChange Tec (XHG), the current 10-Year ROIIC % is -3.95 as of Sep. 2025. 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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