Analyzing XChange TEC.INC (NASDAQ:XHG) and Allianz (OTCMKTS:ALIZY)

XChange TEC.INC (NASDAQ:XHG) and Allianz (OTCMKTS:ALIZY) are both business services companies, but which is the superior stock? We will contrast the two companies based on the strength of their profitability, valuation, risk, dividends, institutional ownership, analyst recommendations and earnings.

Analyst Ratings

This is a summary of recent ratings and price targets for XChange TEC.INC and Allianz, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
XChange TEC.INC	0	0	0	0	0.00
Allianz	0	0	0	1	4.00

Volatility and Risk

XChange TEC.INC has a beta of -0.76, indicating that its stock price is 176% less volatile than the S&P 500. Comparatively, Allianz has a beta of 1.11, indicating that its stock price is 11% more volatile than the S&P 500.

Insider & Institutional Ownership

0.0% of Allianz shares are owned by institutional investors. 0.6% of XChange TEC.INC shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Profitability

This table compares XChange TEC.INC and Allianz’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
XChange TEC.INC	N/A	N/A	N/A
Allianz	5.54%	16.34%	1.01%

Valuation and Earnings

This table compares XChange TEC.INC and Allianz”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
XChange TEC.INC	$288.37 million	0.00	-$32.32 million	N/A	N/A
Allianz	$174.99 billion	0.73	$9.24 billion	$2.62	12.57

Allianz has higher revenue and earnings than XChange TEC.INC.

Summary

Allianz beats XChange TEC.INC on 10 of the 11 factors compared between the two stocks.

About XChange TEC.INC

XChange TEC.INC engages in the professional insurance agency business in the People’s Republic of China. The company provides a various insurance products underwritten by insurance companies, including state-owned property and casualty insurance companies, as well as various regional property and casualty insurance companies. It also offers automobile, life, health, group accident, and other property related insurances primarily to individual end consumers. In addition, the company operates a SaaS platform to offer comprehensive services to online customers. It sells insurance primarily through a network of external referral sources that include external registered sales representatives and strategic channel partners, as well as through the in-house sales force. The company was formerly known as FLJ Group Limited and changed its name to XChange TEC.INC in May 2024. XChange TEC.INC was founded in 2012 and is based in Shanghai, the People’s Republic of China.

About Allianz

Allianz SE, together with its subsidiaries, provides property-casualty insurance, life/health insurance, and asset management products and services worldwide. The company’s Property-Casualty segment offers various insurance products, including motor liability and own damage, accident, general liability, fire and property, legal expense, credit, and travel to private and corporate customers. Its Life/Health segment provides a range of life and health insurance products on an individual and a group basis, such as annuities, endowment and term insurance, and unit-linked and investment-oriented products, as well as private and supplemental health, and long-term care insurance products. The company’s Asset Management segment offers institutional and retail asset management products and services to third-party investors comprising equity and fixed income funds, and multi-assets; and alternative investment products that include real estate, infrastructure debt/equity, real assets, liquid alternatives, and solutions. Its Corporate and Other segment provides banking services for retail clients, as well as digital investment services. Allianz SE was founded in 1890 and is headquartered in Munich, Germany.