Comprehensive Stock Comparison
Compare Cheche Group Inc. (CCG) vs Zillow Group, Inc. Class C (Z) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
Selected Stocks
Add up to 10 tickers. Use presets or search to get started.
Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | Z | 15.5% revenue growth vs CCG's 5.2% |
| Value | Z | Lower P/E (20.4x vs 71.3x) |
| Quality / Margins | CCG | -1.0% net margin vs Z's -1.3% |
| Stability / Safety | CCG | Beta 0.21 vs Z's 1.12 |
| Dividends | Tie | Neither pays a meaningful dividend |
| Momentum (1Y) | CCG | -35.6% vs Z's -41.8% |
| Efficiency (ROA) | Z | -0.6% ROA vs CCG's -2.5%, ROIC -0.6% vs -22.8% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Defensive / Recession hedge
Business Model
What each company does and how it makes money
Cheche Group operates an online insurance platform in China that connects consumers with auto and property & casualty insurance products. It generates revenue primarily through commission fees from insurance sales — with auto insurance being its core segment — and also earns fees from transaction services on its platform. The company benefits from its early-mover advantage in China's digital insurance marketplace and its proprietary technology platform that streamlines the insurance purchasing process.
Zillow Group is a digital real estate marketplace that connects home buyers, sellers, renters, and real estate professionals through its platform. It generates revenue primarily from real estate agent advertising and services (its IMT segment), home flipping operations (its Homes segment), and mortgage origination services. The company's key advantage is its massive network effect—with the most comprehensive property database and the largest audience of real estate consumers in the U.S., which attracts more agents and listings in a virtuous cycle.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
Z leads in 3 of 6 categories (Financial Metrics, Profitability & Efficiency). CCG leads in 2 (Valuation Metrics, Risk & Volatility).
Financial Metrics (TTM)
CCG and Z operate at a comparable scale, with $3.2B and $2.5B in trailing revenue. Profitability is closely matched — net margins range from -1.0% (CCG) to -1.3% (Z). On growth, Z holds the edge at +16.4% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | CCGCheche Group Inc. | ZZillow Group, Inc… |
|---|---|---|
| RevenueTrailing 12 months | $3.2B | $2.5B |
| EBITDAEarnings before interest/tax | -$32M | $187M |
| Net IncomeAfter-tax profit | -$32M | -$32M |
| Free Cash FlowCash after capex | -$9M | $264M |
| Gross MarginGross profit ÷ Revenue | +5.0% | +74.9% |
| Operating MarginEBIT ÷ Revenue | -1.1% | -3.7% |
| Net MarginNet income ÷ Revenue | -1.0% | -1.3% |
| FCF MarginFCF ÷ Revenue | -0.3% | +10.6% |
| Rev. Growth (YoY)Latest quarter vs prior year | -20.8% | +16.4% |
| EPS Growth (YoY)Latest quarter vs prior year | +48.4% | +145.3% |
Valuation Metrics
| Metric | CCGCheche Group Inc. | ZZillow Group, Inc… |
|---|---|---|
| Market CapShares × price | $345M | $10.7B |
| Enterprise ValueMkt cap + debt − cash | $333M | $10.1B |
| Trailing P/EPrice ÷ TTM EPS | -7.72x | 495.78x |
| Forward P/EPrice ÷ next-FY EPS est. | 71.29x | 20.35x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | — | — |
| Price / SalesMarket cap ÷ Revenue | 0.68x | 4.15x |
| Price / BookPrice ÷ Book value/share | 1.33x | 2.32x |
| Price / FCFMarket cap ÷ FCF | — | 45.65x |
Profitability & Efficiency
Z delivers a -0.6% return on equity — every $100 of shareholder capital generates $-1 in annual profit, vs $-9 for CCG. Z carries lower financial leverage with a 0.02x debt-to-equity ratio, signaling a more conservative balance sheet compared to CCG's 0.10x. On the Piotroski fundamental quality scale (0–9), Z scores 7/9 vs CCG's 3/9, reflecting strong financial health.
| Metric | CCGCheche Group Inc. | ZZillow Group, Inc… |
|---|---|---|
| ROE (TTM)Return on equity | -9.4% | -0.6% |
| ROA (TTM)Return on assets | -2.5% | -0.6% |
| ROICReturn on invested capital | -22.8% | -0.6% |
| ROCEReturn on capital employed | -16.6% | -0.7% |
| Piotroski ScoreFundamental quality 0–9 | 3 | 7 |
| Debt / EquityFinancial leverage | 0.10x | 0.02x |
| Net DebtTotal debt minus cash | -$82M | -$675M |
| Cash & Equiv.Liquid assets | $117M | $768M |
| Total DebtShort + long-term debt | $35M | $93M |
| Interest CoverageEBIT ÷ Interest expense | -83.35x | -0.38x |
Total Returns (with DRIP)
A $10,000 investment in Z five years ago would be worth $2,672 today (with dividends reinvested), compared to $247 for CCG. Over the past 12 months, CCG leads with a -35.6% total return vs Z's -41.8%. The 3-year compound annual growth rate (CAGR) favors Z at 2.0% vs CCG's -70.9% — a key indicator of consistent wealth creation.
| Metric | CCGCheche Group Inc. | ZZillow Group, Inc… |
|---|---|---|
| YTD ReturnYear-to-date | -1.4% | -32.3% |
| 1-Year ReturnPast 12 months | -35.6% | -41.8% |
| 3-Year ReturnCumulative with dividends | -97.5% | +6.2% |
| 5-Year ReturnCumulative with dividends | -97.5% | -73.3% |
| 10-Year ReturnCumulative with dividends | -97.5% | +106.6% |
| CAGR (3Y)Annualised 3-year return | -70.9% | +2.0% |
Risk & Volatility
CCG is the less volatile stock with a 0.21 beta — it tends to amplify market swings less than Z's 1.12 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. CCG currently trades 51.9% from its 52-week high vs Z's 47.5% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | CCGCheche Group Inc. | ZZillow Group, Inc… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.21x | 1.12x |
| 52-Week HighHighest price in past year | $1.54 | $93.88 |
| 52-Week LowLowest price in past year | $0.71 | $41.91 |
| % of 52W HighCurrent price vs 52-week peak | +51.9% | +47.5% |
| RSI (14)Momentum oscillator 0–100 | 45.6 | 34.2 |
| Avg Volume (50D)Average daily shares traded | 71K | 3.4M |
Analyst Outlook
Wall Street rates CCG as "Buy" and Z as "Hold".
| Metric | CCGCheche Group Inc. | ZZillow Group, Inc… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold |
| Price TargetConsensus 12-month target | — | $85.00 |
| # AnalystsCovering analysts | 1 | 46 |
| Dividend YieldAnnual dividend ÷ price | — | — |
| Dividend StreakConsecutive years of raises | — | — |
| Dividend / ShareAnnual DPS | — | — |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +6.2% |
Historical Charts
Charts are rendered on first load. Hover for details.
Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Sep 23 | Feb 26 | Change |
|---|---|---|---|
| Cheche Group Inc. (CCG) | 100 | 2.47 | -97.5% |
| Zillow Group, Inc. … (Z) | 100 | 136.99 | +37.0% |
Zillow Group, Inc. … (Z) returned -73% over 5 years vs Cheche Group Inc. (CCG)'s -98%.
Chart 2Revenue Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Cheche Group Inc. (CCG) | $1.7B | $3.5B | +100.1% |
| Zillow Group, Inc. … (Z) | $847M | $2.6B | +205.1% |
Zillow Group, Inc. Class C's revenue grew from $847M (2016) to $2.6B (2025) — a 13.2% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Cheche Group Inc. (CCG) | -8.4% | -1.8% | +79.1% |
| Zillow Group, Inc. … (Z) | -26.0% | 0.9% | +103.4% |
Zillow Group, Inc. Class C's net margin went from -26% (2016) to 1% (2025).
Chart 4EPS Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Cheche Group Inc. (CCG) | -0.57 | -0.71 | -24.6% |
| Zillow Group, Inc. … (Z) | -1.22 | 0.09 | +107.4% |
Zillow Group, Inc. Class C's EPS grew from $-1.22 (2016) to $0.09 (2025).
Chart 5Free Cash Flow — 5 Years
Cheche Group Inc. generated $-116M FCF in 2024 (+39% vs 2021). Zillow Group, Inc. Class C generated $235M FCF in 2025 (+107% vs 2021).
CCG vs Z: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is CCG or Z a better buy right now?
Zillow Group, Inc. Class C (Z) offers the better valuation at 495.8x trailing P/E (20.4x forward), making it the more compelling value choice. Analysts rate Cheche Group Inc. (CCG) a "Buy" — based on 1 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — CCG or Z?
On forward P/E, Zillow Group, Inc. Class C is actually cheaper at 20.4x.
03Which is the better long-term investment — CCG or Z?
Over the past 5 years, Zillow Group, Inc. Class C (Z) delivered a total return of -73.3%, compared to -97.5% for Cheche Group Inc. (CCG). A $10,000 investment in Z five years ago would be worth approximately $3K today (assuming dividends reinvested). Over 10 years, the gap is even starker: Z returned +106.6% versus CCG's -97.5%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — CCG or Z?
By beta (market sensitivity over 5 years), Cheche Group Inc. (CCG) is the lower-risk stock at 0.21β versus Zillow Group, Inc. Class C's 1.12β — meaning Z is approximately 432% more volatile than CCG relative to the S&P 500. On balance sheet safety, Zillow Group, Inc. Class C (Z) carries a lower debt/equity ratio of 2% versus 10% for Cheche Group Inc. — giving it more financial flexibility in a downturn.
05Which has better profit margins — CCG or Z?
Zillow Group, Inc. Class C (Z) is the more profitable company, earning 0.9% net margin versus -1.8% for Cheche Group Inc. — meaning it keeps 0.9% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: Z leads at -1.3% versus -1.9% for CCG. At the gross margin level — before operating expenses — Z leads at 74.1%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
06Is CCG or Z more undervalued right now?
On forward earnings alone, Zillow Group, Inc. Class C (Z) trades at 20.4x forward P/E versus 71.3x for Cheche Group Inc. — 50.9x cheaper on a one-year earnings basis.
07Which pays a better dividend — CCG or Z?
None of the stocks in this comparison currently pay a material dividend. All are effectively zero-yield and should be held for capital appreciation rather than income.
08Is CCG or Z better for a retirement portfolio?
For long-horizon retirement investors, Cheche Group Inc. (CCG) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.21)). Both have compounded well over 10 years (CCG: -97.5%, Z: +106.6%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
09What are the main differences between CCG and Z?
Both stocks operate in the Communication Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
Find Stocks Like These
Explore pre-built screens for each stock's profile, or build a custom screen to find stocks that beat both.
- Sector: Communication Services
- Market Cap > $100B
- Revenue Growth > 8%
- Gross Margin > 44%