XHG (XChange Tec) Tariff Resilience Score: 5/10 (As of Aug. 03, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

XHG XChange Tec Inc XHG
13 GF Score
Price $0.95
! 6 Warning Signs
View Full Analysis

What is XChange Tec Tariff Resilience Score?

XChange Tec XHG -3.04% 13 Tariff Resilience Score is 5 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 590 Insurance companies, XChange Tec ranks better than 71.19% on this metric.

XChange Tec has the Tariff Resilience Score of 5, which implies that the company might have Average Resilient.

XChange Tec has XChange Tec Inc relies on global tech components, making it moderately vulnerable to tariffs. While it has some pricing power, shifts in tech tariffs could affect margins. Diversified suppliers offer some mitigation.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes XChange Tec might have Average Resilient.

XChange Tec  (NAS:XHG) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

XChange Tec Tariff Resilience Score Related Terms

XHG vs EHTH, QDMI, HUIZ: Tariff Resilience Score Comparison

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

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

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


XHG
13GF Score
XChange Tec Inc XHG
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
What does a Tariff Resilience Score of 5 mean?
XChange Tec (XHG) has a Tariff Resilience Score of 5 as of Aug. 03, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, XChange Tec ranks #170 out of 590 companies in the Insurance industry, placing it in the top 28.8%.
Is XChange Tec's Tariff Resilience Score too high?
XChange Tec's current Tariff Resilience Score is 5. Based on the distribution chart, XChange Tec ranks #170 out of 590 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 Tariff Resilience Score compare to EHTH and QDMI?
According to the Insurance industry distribution chart, XChange Tec ranks #170 out of 590 companies for Tariff Resilience 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 Tariff Resilience Score for an Insurance company?
A good Tariff Resilience Score depends on the Insurance industry context. However, Tariff Resilience 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. XChange Tec's current Tariff Resilience Score is 5. 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 Tariff Resilience Score of 5. The current Tariff Resilience Score is 5. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For XChange Tec (XHG), the current Tariff Resilience Score is 5 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

Get the complete analysis for XHG

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

$0.95
Price