XHG vs ZBAO
XChange Tec.inc and Zhibao Technology Inc., side by side — 4 fiscal years reported in CNY, drawn from SEC filings.
At a glance
Most recent reported year
| Metric | XHG | ZBAO |
|---|---|---|
| Revenue | ¥365.3M | ¥276.9M |
| Net income | ¥-748.4M | ¥-62.0M |
| Gross margin | 2.2% | 41.0% |
| Net margin | −204.9% | −22.4% |
| Return on equity | — | −139.9% |
| Diluted EPS | — | — |
| Dividend / share | — | — |
| Payout ratio | — | — |
| Free cash flow | ¥-109.7M | ¥-4.1M |
| Equity | ¥-880.1M | ¥24.7M |
| Net debt / equity | — | 0.47× |
| Current ratio | 0.04× | 1.00× |
| Revenue CAGR 5y | −19.9% | — |
| Profit CAGR 5y | — | — |
XHG bills 1.3× the revenue of ZBAO, and both closed the last reported year at a loss.
The stronger figure of the pair is set in bold. That is arithmetic, not a recommendation — this page does not pick a winner.
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Revenue by year
4 years side by side
| Fiscal year | XHG | ZBAO |
|---|---|---|
| FY2024 | ¥288.4M | ¥276.9M |
| FY2022 | ¥565.8M | ¥142.1M |
| FY2021 | ¥939.2M | ¥108.2M |
| FY2020 | ¥1.1B | ¥6,000 |
Net income by year
Bottom line
| Fiscal year | XHG | ZBAO |
|---|---|---|
| FY2024 | ¥-226.8M | ¥-62.0M |
| FY2022 | ¥820.0M | ¥-43.1M |
| FY2021 | ¥-569.2M | ¥14.3M |
| FY2020 | ¥-1.5B | — |
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