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

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

Insider & Institutional Ownership

0.0% of Allianz shares are held by institutional investors. 0.6% of XChange TEC.INC shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Valuation and Earnings

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

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

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

Profitability

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

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

Analyst Recommendations

This is a summary of current recommendations and price targets for Allianz and XChange TEC.INC, as provided by MarketBeat.com.

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

Volatility & Risk

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

Summary

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

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.

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.