Cheche Group (CCG)
NASDAQ:CCG
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Cheche Group
(NASDAQ:CCG)
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Rating:46Neutral
Price Target:
$0.49
▼(-48.11% Downside)
Action:Reiterated
Date:06/04/26
Overall score is held down primarily by weak financial performance (ongoing losses and negative cash flow) and bearish technicals (price below key moving averages with negative MACD). The earnings call provides a meaningful offset via upbeat guidance and operational progress, while valuation is hard to assess favorably due to negative earnings and no indicated dividend support.
Positive Factors
Nationwide distribution footprint
Cheche’s broad physical and channel footprint across 25 provinces with ~108 licensed branches creates durable distribution scale. That network supports persistent policy flow, renewal capture and partner integration, lowering customer acquisition friction and sustaining revenue volume over months.
Negative Factors
Persistent negative operating cash flow
Operating and free cash flow remain negative annually, and cash balances are modest versus growth ambitions. Continued negative cash generation forces reliance on external funding or balance sheet resources, constraining investment pace for AI rollout and international expansion until operating cash flow turns positive.
Read all positive and negative factors
Positive Factors
Negative Factors
Nationwide distribution footprint
Cheche’s broad physical and channel footprint across 25 provinces with ~108 licensed branches creates durable distribution scale. That network supports persistent policy flow, renewal capture and partner integration, lowering customer acquisition friction and sustaining revenue volume over months.
Read all positive factors
Cheche Group (CCG) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$41.80M
Dividend YieldN/A
Average Volume (3M)69.51K
Price to Earnings (P/E)―
Beta (1Y)1.23
Revenue GrowthN/A
EPS GrowthN/A
CountryUS
Employees548
SectorCommunication Services
Sector Strength97
IndustryInternet Content & Information
Share Statistics
EPS (TTM)-0.40
Shares Outstanding64,425,060
10 Day Avg. Volume58,127
30 Day Avg. Volume69,512
Financial Highlights & Ratios
PEG Ratio0.37
Price to Book (P/B)1.35
Price to Sales (P/S)0.16
P/FCF Ratio-11.80
Enterprise Value/Market Cap7.01
Enterprise Value/Revenue0.09
Enterprise Value/Gross Profit1.83
Enterprise Value/Ebitda-9.20
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.01
Revenue Forecast (FY)$449.70M
Cheche Group Business Overview & Revenue Model
Company Description
Cheche Group (CCG) is a diversified conglomerate operating in multiple sectors, including technology, logistics, and consumer goods. The company is known for its innovative solutions in supply chain management, offering a suite of software and ser...
How the Company Makes Money
CCG primarily makes money by facilitating the distribution and placement of auto insurance policies through its platform and earning transaction-based compensation tied to successful policy sales and renewals. Key revenue streams generally include...
Cheche Group Earnings Call Summary
Earnings Call Date:Apr 02, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:Aug 27, 2026
Earnings Call Sentiment Positive
The call presented a constructive operational and strategic narrative: Cheche achieved its first full-year adjusted profitability, showed strong premium and NEV growth, tightened operating expenses, expanded AI capabilities and OEM partnerships, and provided optimistic 2026 guidance. Offsetting these positives are meaningful near-term revenue compression driven by a higher-NEV mix (net revenues down mid-teens YoY), a remaining GAAP net loss for the year, a modest cash balance, and execution risks tied to AI monetization and international expansion. On balance, the positive operational inflection, margin improvements and clear roadmap for scaling renewals and NEV pricing outweigh the headline challenges, but the company must execute on AI/pricing and partnership expansion to realize guidance.Positive Updates
Adjusted Profitability Achieved
Cheche delivered adjusted net income of RMB 11.6 million (USD 1.7 million) for full-year 2025 versus an adjusted net loss of RMB 24.8 million in the prior year — a positive swing of more than RMB 35 million. The company also reported positive net income in the second half of 2025 (RMB 7.8 million).
Negative Updates
Net Revenue Decline Due to Mix Shift
Net revenues declined 13.3% YoY for full-year 2025 to RMB 3.0 billion and declined 9.4% YoY in H2 to RMB 1.7 billion. Management attributes the decline to a higher proportion of NEV premiums, which carry lower service fee rates and create near-term revenue headwinds.
Read all updates
Q4-2025 Updates
Positive
Negative
Adjusted Profitability Achieved
Cheche delivered adjusted net income of RMB 11.6 million (USD 1.7 million) for full-year 2025 versus an adjusted net loss of RMB 24.8 million in the prior year — a positive swing of more than RMB 35 million. The company also reported positive net income in the second half of 2025 (RMB 7.8 million).
Read all positive updates
Company Guidance
Management guided 2026 net revenues of RMB 3.0–3.2 billion, total written premiums of RMB 28.0–30.0 billion, and NEV written premiums of RMB 10.5–12.0 billion (implying NEV growth of about 66.7%–90.5% YoY versus FY2025 NEV premiums of RMB 6.3 billion), and said adjusted net income should multiply several-fold versus FY2025 adjusted net income of RMB 11.6 million (USD 1.7 million). For context, FY2025 results cited on the call included total written premiums of RMB 27.0 billion (USD 3.9 billion), total policies of 20.3 million, 2.0 million NEV embedded policies (NEV ≈ 23.4% of mix), gross profit RMB 160.4 million (USD 22.9 million), adjusted operating income RMB 5.6 million (USD 0.8 million), and cash and short‑term investments of RMB 170.8 million (USD 24.4 million).Cheche Group Financial Statement Overview
Summary
Income Statement
34
Negative
Balance Sheet
56
Neutral
Cash Flow
28
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 3.18B | 3.01B | 3.47B | 3.30B | 2.68B | 1.74B |
| Gross Profit | 160.39M | 160.36M | 158.76M | 140.22M | 142.31M | 80.81M |
| EBITDA | -31.85M | -7.74M | -52.20M | -146.95M | -76.83M | -125.61M |
| Net Income | -31.93M | -17.79M | -61.24M | -159.59M | -91.02M | -146.46M |
Balance Sheet | ||||||
| Total Assets | 1.28B | 1.48B | 1.29B | 893.98M | 712.50M | 868.56M |
| Cash, Cash Equivalents and Short-Term Investments | 167.20M | 149.83M | 152.90M | 264.87M | 149.77M | 426.14M |
| Total Debt | 132.85M | 95.89M | 35.17M | 29.35M | 13.90M | 36.67M |
| Total Liabilities | 943.35M | 1.12B | 932.17M | 515.79M | 1.97B | 1.87B |
| Stockholders Equity | 341.47M | 355.40M | 355.75M | 378.18M | -1.26B | -1.01B |
Cash Flow | ||||||
| Free Cash Flow | -8.68M | -40.63M | -115.80M | -27.50M | -160.10M | -189.22M |
| Operating Cash Flow | -8.64M | -40.55M | -114.14M | -26.95M | -158.86M | -187.59M |
| Investing Cash Flow | 17.38M | 35.40M | -15.60M | 12.82M | 27.69M | -65.33M |
| Financing Cash Flow | 44.88M | 55.40M | 1.95M | 140.34M | -159.04M | 583.67M |
Cheche Group Technical Analysis
Negative
0.95
Price Trends
0.69
Negative
0.74
Negative
0.88
Negative
Market Momentum
-0.05
Positive
40.49
Neutral
18.63
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CCG, the sentiment is Negative. The current price of 0.95 is above the 20-day moving average (MA) of 0.60, above the 50-day MA of 0.69, and above the 200-day MA of 0.88, indicating a bearish trend. The MACD of -0.05 indicates Positive momentum. The RSI at 40.49 is Neutral, neither overbought nor oversold. The STOCH value of 18.63 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CCG.
Cheche Group Risk Analysis
Cheche Group disclosed 85 risk factors in its most recent earnings report. Cheche Group reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 1 New Risks
1.
Our Warrants may never be in the money, and they may expire worthless. Q4, 2023
Cheche Group Peers Comparison
UnderperformOutperform
Sector (60)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
66 Neutral | $117.65M | -27.75 | -26.67% | ― | 20.86% | 37.40% | |
60 Neutral | $48.67B | 4.58 | -11.27% | 4.14% | 2.83% | -41.78% | |
55 Neutral | $57.19M | -11.00 | -12.51% | ― | -7.65% | 87.30% | |
51 Neutral | $65.50M | -110.16 | -1.21% | ― | -19.12% | 96.40% | |
50 Neutral | $95.81M | -0.22 | -567.03% | ― | -28.88% | -15473.93% | |
46 Neutral | $41.80M | -8.28 | -10.32% | ― | ― | ― | |
46 Neutral | $54.58M | -0.94 | -99.42% | ― | 3.13% | -550.90% |
* Communication Services Sector Average
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Cheche Group Corporate Events
Cheche Group Calls June 12 EGM to Vote on 1-for-35 Share Consolidation
May 28, 2026
Cheche Group Inc., China’s leading auto insurance technology platform, has built a nationwide distribution footprint through roughly 108 licensed branches covering 25 provinces and major municipalities. Leveraging this network, the Beijing-b...
Cheche Group CEO Plans Share Purchases After Reaching 2025 Profitability
May 28, 2026
Cheche Group said on May 28, 2026 that founder and CEO Lei Zhang intends to purchase the company’s ordinary shares with personal funds, either in the open market or through privately negotiated transactions, subject to market conditions and ...
Cheche Group Posts 2025 Results Marking Profitability Milestones on NEV Insurance Growth
Apr 2, 2026
Cheche Group on April 2, 2026 reported unaudited results for the second half and full year 2025, highlighting rapid expansion in its new energy vehicle partnerships to 16 manufacturers and a surge in embedded policies and premiums. This shift lift...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.