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Cheche Group Inc. (CCG) 10-Year Financial Performance & Capital Metrics

CCG •
Communication ServicesInternet ServicesOnline Marketplaces and Classifieds
AboutCheche Group Inc. operates an online auto insurance platform. It offers non-auto insurance products, such as non-auto P&C products, as well as non-auto insurance transaction services. The company was founded in 2014 and is headquartered in Beijing, China. Cheche Group Inc. operates as a subsidiary of Prime Impact Cayman, LLC.Show more
  • Revenue $3.47B +5.2%
  • EBITDA -$58M +62.8%
  • Net Income -$61M +61.6%
  • EPS (Diluted) -0.71 +96.5%
  • Gross Margin 4.57% +7.6%
  • EBITDA Margin -1.67% +64.7%
  • Operating Margin -1.92% +62.3%
  • Net Margin -1.76% +63.5%
  • ROE -16.69% +60.5%
  • ROIC -22.81% +70.2%
  • Debt/Equity 0.10 +27.4%
  • Interest Coverage -79.41 +31.6%
Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

  • ✓Company is almost debt free
  • ✓High quality earnings: Operating CF exceeds net income
  • ✓Trading at only 1.3x book value
  • ✓Efficient asset utilization: 2.7x turnover

✗Weaknesses

  • ✗Weak Piotroski F-Score: 3/9
  • ✗Negative free cash flow
  • ✗Shares diluted 14.6% in last year
  • ✗Trading more than 30% below 52-week high

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-
5Y-
3Y26.02%
TTM-2.98%

Profit (Net Income) CAGR

10Y-
5Y-
3Y-
TTM64.11%

EPS CAGR

10Y-
5Y-
3Y-
TTM66.3%

ROCE

10Y Avg-29.16%
5Y Avg-29.16%
3Y Avg-28.92%
Latest-16.59%

Peer Comparison

Online Marketplaces and Classifieds
Select Columns
Size & Scale
Valuation
Per Share
Growth
Profitability
Quality & Returns
Safety & Leverage
TTM Growth
Famous Investor Metrics
Dividends
Latest Quarter
Momentum & Returns
Total Return (DRIP)
Technical
Volume & Trading
Shares & Dilution
Sector-Specific
NameMarket CapCurrent PriceP/E RatioRevenue Growth 1YNet MarginROEFCF YieldDebt/Equity
ZGZillow Group, Inc. Class A10.77B44.80497.7815.52%0.89%0.47%2.18%0.02
ZZillow Group, Inc. Class C10.73B44.62495.7815.52%-1.29%-0.64%2.19%0.02
FVRRFiverr International Ltd.388.19M10.8319.3410.07%4.87%5.09%26.78%0.01
SSTKShutterstock, Inc.689.62M16.8013.445.84%4.6%7.83%17.96%0.23
ATHMAutohome Inc.9.19B19.189.89-2.01%23.62%6.31%1.96%0.00
GETYGetty Images Holdings, Inc.320.77M0.788.162.48%-9.6%-13.31%18.98%1.89
EVEREverQuote, Inc.56.95M15.806.0138.45%14.34%41.72%100%-0.00
SEATVivid Seats Inc.22.72M5.965.328.8%-24.08%-46.21%100%0.66

Compare CCG vs Peers

Analyze head-to-head performance against top industry competitors across valuation, growth, and profitability metrics.

vs ZG

Compare head-to-head with Zillow Group, Inc. Class A

vs Z

Compare head-to-head with Zillow Group, Inc. Class C

Compare Top 5

vs ZG, Z, ATHM, SSTK

Profit & Loss

Dec 2021Dec 2022Dec 2023Dec 2024
Sales/Revenue+1.74B2.68B3.3B3.47B
Revenue Growth %-54.38%23.23%5.2%
Cost of Goods Sold+1.65B2.54B3.16B3.31B
COGS % of Revenue95.34%94.69%95.75%95.43%
Gross Profit+80.81M142.31M140.22M158.76M
Gross Margin %4.66%5.31%4.25%4.57%
Gross Profit Growth %-76.1%-1.47%13.22%
Operating Expenses+236.52M258.27M308.01M225.31M
OpEx % of Revenue13.63%9.64%9.33%6.49%
Selling, General & Admin189.74M208.32M250.84M187.36M
SG&A % of Revenue10.93%7.78%7.6%5.39%
Research & Development46.78M49.95M57.17M37.95M
R&D % of Revenue2.7%1.86%1.73%1.09%
Other Operating Expenses0000
Operating Income+-155.71M-115.95M-167.78M-66.54M
Operating Margin %-8.97%-4.33%-5.08%-1.92%
Operating Income Growth %-25.53%-44.7%60.34%
EBITDA+-140.86M-104.54M-156.22M-58.05M
EBITDA Margin %-8.12%-3.9%-4.73%-1.67%
EBITDA Growth %-25.78%-49.44%62.84%
D&A (Non-Cash Add-back)14.85M11.41M11.56M8.49M
EBIT-140.46M-88.24M-158.51M-60.69M
Net Interest Income+-6.24M-1.41M3.95M5.2M
Interest Income278K1.89M5.4M6.04M
Interest Expense6.52M3.3M1.45M838K
Other Income/Expense8.73M24.41M7.83M5.02M
Pretax Income+-146.98M-91.54M-159.95M-61.53M
Pretax Margin %-8.47%-3.42%-4.84%-1.77%
Income Tax+-522K-521K-363K-291K
Effective Tax Rate %99.64%99.43%99.77%99.53%
Net Income+-146.46M-91.02M-159.59M-61.24M
Net Margin %-8.44%-3.4%-4.83%-1.76%
Net Income Growth %-37.85%-75.33%61.63%
Net Income (Continuing)-146.46M-91.02M-159.59M-61.24M
Discontinued Operations0000
Minority Interest0000
EPS (Diluted)+-0.57-3.51-20.30-0.71
EPS Growth %--515.79%-478.35%96.5%
EPS (Basic)-0.57-3.51-20.30-0.77
Diluted Shares Outstanding79.49M79.49M75.46M86.51M
Basic Shares Outstanding79.49M79.49M75.46M79.4M
Dividend Payout Ratio----

Balance Sheet

Dec 2021Dec 2022Dec 2023Dec 2024
Total Current Assets+752.56M600.85M780.25M1.18B
Cash & Short-Term Investments426.14M149.77M264.87M152.9M
Cash Only362.38M114.94M243.39M117.47M
Short-Term Investments63.76M34.82M21.47M35.42M
Accounts Receivable311.85M435.88M505.98M1B
Days Sales Outstanding65.5959.3955.94105.6
Inventory13.54M13.65M00
Days Inventory Outstanding2.991.96--
Other Current Assets-2.75M-3.2M1.59M1.99M
Total Non-Current Assets+116M111.65M113.72M107.11M
Property, Plant & Equipment19.14M16.89M11.92M7.02M
Fixed Asset Turnover90.67x158.58x277.06x494.68x
Goodwill84.61M84.61M84.61M84.61M
Intangible Assets12.25M10.15M8.05M5.95M
Long-Term Investments0000
Other Non-Current Assets009.15M9.53M
Total Assets+868.56M712.5M893.98M1.29B
Asset Turnover2.00x3.76x3.69x2.70x
Asset Growth %--17.97%25.47%44.07%
Total Current Liabilities+347.62M344.03M501.53M878.27M
Accounts Payable180.3M227.16M316.87M725.82M
Days Payables Outstanding39.7732.6836.5979.93
Short-Term Debt10M020M30M
Deferred Revenue (Current)8.71M888K4.29M1.78M
Other Current Liabilities7.13M9.49M9.33M9.04M
Current Ratio2.16x1.75x1.56x1.34x
Quick Ratio2.13x1.71x1.56x1.34x
Cash Conversion Cycle28.828.66--
Total Non-Current Liabilities+1.53B1.63B14.26M53.9M
Long-Term Debt10.51M000
Capital Lease Obligations8.29M6.23M5.4M2.14M
Deferred Tax Liabilities3.06M2.54M2.01M1.49M
Other Non-Current Liabilities1.5B1.62B5.42M48.84M
Total Liabilities1.87B1.97B515.79M932.17M
Total Debt+36.67M13.9M29.35M35.17M
Net Debt-325.72M-101.04M-214.04M-82.3M
Debt / Equity--0.08x0.10x
Debt / EBITDA----
Net Debt / EBITDA----
Interest Coverage-23.87x-35.11x-116.03x-79.41x
Total Equity+-1.01B-1.26B378.18M355.75M
Equity Growth %--25.4%130%-5.93%
Book Value per Share-12.65-15.865.014.11
Total Shareholders' Equity-1.01B-1.26B378.18M355.75M
Common Stock30K30K5K6K
Retained Earnings-1B-1.26B-2.11B-2.18B
Treasury Stock-1.03M-1.02M-1.02M-1.02M
Accumulated OCI-7.8M-66K1.15M6.09M
Minority Interest0000

Cash Flow

Dec 2021Dec 2022Dec 2023Dec 2024
Cash from Operations+-187.59M-158.86M-26.95M-114.14M
Operating CF Margin %-10.81%-5.93%-0.82%-3.29%
Operating CF Growth %-15.32%83.04%-323.51%
Net Income-146.46M-91.02M-159.59M-61.24M
Depreciation & Amortization14.85M11.41M11.56M8.49M
Stock-Based Compensation18.53M16.21M109.98M33.87M
Deferred Taxes-525K-525K-525K-525K
Other Non-Cash Items9.49M-6.73M9.62M7.49M
Working Capital Changes-83.48M-88.2M2.01M-102.23M
Change in Receivables-164.82M-115.95M-65.6M-519.62M
Change in Inventory-21.3M-11.59M00
Change in Payables96.39M46.86M89.71M408.95M
Cash from Investing+-65.33M27.69M12.82M-15.6M
Capital Expenditures-1.63M-1.24M-549K-1.66M
CapEx % of Revenue0.09%0.05%0.02%0.05%
Acquisitions0000
Investments----
Other Investing52K022K12K
Cash from Financing+583.67M-159.04M140.34M1.95M
Debt Issued (Net)-48.24M-21.84M20M15M
Equity Issued (Net)1000K-1000K1000K0
Dividends Paid0000
Share Repurchases-15M-137.2M00
Other Financing-6.33M0-17.56M-13.05M
Net Change in Cash328.84M-247.44M128.45M-125.92M
Free Cash Flow+-189.22M-160.1M-27.5M-115.8M
FCF Margin %-10.9%-5.98%-0.83%-3.33%
FCF Growth %-15.39%82.82%-321.1%
FCF per Share-2.38-2.01-0.36-1.34
FCF Conversion (FCF/Net Income)1.28x1.75x0.17x1.86x
Interest Paid10.54M2.58M898K584K
Taxes Paid3K4K162K234K

Key Ratios

Metric2021202220232024
Return on Equity (ROE)---42.2%-16.69%
Return on Invested Capital (ROIC)---76.66%-22.81%
Gross Margin4.66%5.31%4.25%4.57%
Net Margin-8.44%-3.4%-4.83%-1.76%
Debt / Equity--0.08x0.10x
Interest Coverage-23.87x-35.11x-116.03x-79.41x
FCF Conversion1.28x1.75x0.17x1.86x
Revenue Growth-54.38%23.23%5.2%

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