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

CCG • • Industrial / General

Communication ServicesInternet ServicesSpecialized Digital ServicesInsurance & Financial Services

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 0.2x 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

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

Insurance & Financial Services

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
MAXMediaAlpha, Inc.	535.32M	11.58	37.35	122.78%	-0.1%		8.52%
EVEREverQuote, Inc.	813.32M	25.14	28.57	73.72%	8.36%	30.79%	7.68%	0.03
ATHMAutohome Inc.	2.75B	23.24	1.75	-2.01%	23.62%	6.31%	44.8%	0.00
JFINJiayin Group Inc.	184.85M	7.01	0.35	6.11%	26.17%	39.74%	100%	0.02
CCGCheche Group Inc.	53.99M	0.83	-1.17	5.2%	-1%	-9.35%		0.10
MNYMoneyHero Limited Class A Ordinary Shares	37.5M	1.25	-1.39	-1.44%	-22.13%	-35.56%		0.02

Profit & Loss

	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Sales/Revenue+	1.74B	2.68B	3.3B	3.47B
Revenue Growth %	-	0.54%	0.23%	0.05%
Cost of Goods Sold+	1.65B	2.54B	3.16B	3.31B
COGS % of Revenue	0.95%	0.95%	0.96%	0.95%
Gross Profit+	80.81M	142.31M	140.22M	158.76M
Gross Margin %	0.05%	0.05%	0.04%	0.05%
Gross Profit Growth %	-	0.76%	-0.01%	0.13%
Operating Expenses+	236.52M	258.27M	308.01M	225.31M
OpEx % of Revenue	0.14%	0.1%	0.09%	0.06%
Selling, General & Admin	189.74M	208.32M	250.84M	187.36M
SG&A % of Revenue	0.11%	0.08%	0.08%	0.05%
Research & Development	46.78M	49.95M	57.17M	37.95M
R&D % of Revenue	0.03%	0.02%	0.02%	0.01%
Other Operating Expenses	0	0	0	0
Operating Income+	-155.71M	-115.95M	-167.78M	-66.54M
Operating Margin %	-0.09%	-0.04%	-0.05%	-0.02%
Operating Income Growth %	-	0.26%	-0.45%	0.6%
EBITDA+	-140.86M	-104.54M	-156.22M	-58.05M
EBITDA Margin %	-0.08%	-0.04%	-0.05%	-0.02%
EBITDA Growth %	-	0.26%	-0.49%	0.63%
D&A (Non-Cash Add-back)	14.85M	11.41M	11.56M	8.49M
EBIT	-140.46M	-88.24M	-158.51M	-60.69M
Net Interest Income+	-6.24M	-1.41M	3.95M	5.2M
Interest Income	278K	1.89M	5.4M	6.04M
Interest Expense	6.52M	3.3M	1.45M	838K
Other Income/Expense	8.73M	24.41M	7.83M	5.02M
Pretax Income+	-146.98M	-91.54M	-159.95M	-61.53M
Pretax Margin %	-0.08%	-0.03%	-0.05%	-0.02%
Income Tax+	-522K	-521K	-363K	-291K
Effective Tax Rate %	1%	0.99%	1%	1%
Net Income+	-146.46M	-91.02M	-159.59M	-61.24M
Net Margin %	-0.08%	-0.03%	-0.05%	-0.02%
Net Income Growth %	-	0.38%	-0.75%	0.62%
Net Income (Continuing)	-146.46M	-91.02M	-159.59M	-61.24M
Discontinued Operations	0	0	0	0
Minority Interest	0	0	0	0
EPS (Diluted)+	-0.57	-3.51	-20.30	-0.71
EPS Growth %	-	-5.16%	-4.78%	0.97%
EPS (Basic)	-0.57	-3.51	-20.30	-0.77
Diluted Shares Outstanding	79.49M	79.49M	75.46M	86.51M
Basic Shares Outstanding	79.49M	79.49M	75.46M	79.4M
Dividend Payout Ratio	-	-	-	-

Balance Sheet

	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Total Current Assets+	752.56M	600.85M	780.25M	1.18B
Cash & Short-Term Investments	426.14M	149.77M	264.87M	152.9M
Cash Only	362.38M	114.94M	243.39M	117.47M
Short-Term Investments	63.76M	34.82M	21.47M	35.42M
Accounts Receivable	311.85M	435.88M	505.98M	1B
Days Sales Outstanding	65.59	59.39	55.94	105.6
Inventory	13.54M	13.65M	0	0
Days Inventory Outstanding	2.99	1.96	-	-
Other Current Assets	-2.75M	-3.2M	1.59M	1.99M
Total Non-Current Assets+	116M	111.65M	113.72M	107.11M
Property, Plant & Equipment	19.14M	16.89M	11.92M	7.02M
Fixed Asset Turnover	90.67x	158.58x	277.06x	494.68x
Goodwill	84.61M	84.61M	84.61M	84.61M
Intangible Assets	12.25M	10.15M	8.05M	5.95M
Long-Term Investments	0	0	0	0
Other Non-Current Assets	0	0	9.15M	9.53M
Total Assets+	868.56M	712.5M	893.98M	1.29B
Asset Turnover	2.00x	3.76x	3.69x	2.70x
Asset Growth %	-	-0.18%	0.25%	0.44%
Total Current Liabilities+	347.62M	344.03M	501.53M	878.27M
Accounts Payable	180.3M	227.16M	316.87M	725.82M
Days Payables Outstanding	39.77	32.68	36.59	79.93
Short-Term Debt	10M	0	20M	30M
Deferred Revenue (Current)	1000K	888K	1000K	1000K
Other Current Liabilities	7.13M	9.49M	9.33M	9.04M
Current Ratio	2.16x	1.75x	1.56x	1.34x
Quick Ratio	2.13x	1.71x	1.56x	1.34x
Cash Conversion Cycle	28.8	28.66	-	-
Total Non-Current Liabilities+	1.53B	1.63B	14.26M	53.9M
Long-Term Debt	10.51M	0	0	0
Capital Lease Obligations	8.29M	6.23M	5.4M	2.14M
Deferred Tax Liabilities	3.06M	2.54M	2.01M	1.49M
Other Non-Current Liabilities	1.5B	1.62B	5.42M	48.84M
Total Liabilities	1.87B	1.97B	515.79M	932.17M
Total Debt+	36.67M	13.9M	29.35M	35.17M
Net Debt	-325.72M	-101.04M	-214.04M	-82.3M
Debt / Equity	-	-	0.08x	0.10x
Debt / EBITDA	-	-	-	-
Net Debt / EBITDA	-	-	-	-
Interest Coverage	-23.87x	-35.11x	-116.03x	-79.41x
Total Equity+	-1.01B	-1.26B	378.18M	355.75M
Equity Growth %	-	-0.25%	1.3%	-0.06%
Book Value per Share	-12.65	-15.86	5.01	4.11
Total Shareholders' Equity	-1.01B	-1.26B	378.18M	355.75M
Common Stock	30K	30K	5K	6K
Retained Earnings	-1B	-1.26B	-2.11B	-2.18B
Treasury Stock	-1.03M	-1.02M	-1.02M	-1.02M
Accumulated OCI	-7.8M	-66K	1.15M	6.09M
Minority Interest	0	0	0	0

Cash Flow

	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	-187.59M	-158.86M	-26.95M	-114.14M
Operating CF Margin %	-0.11%	-0.06%	-0.01%	-0.03%
Operating CF Growth %	-	0.15%	0.83%	-3.24%
Net Income	-146.46M	-91.02M	-159.59M	-61.24M
Depreciation & Amortization	14.85M	11.41M	11.56M	8.49M
Stock-Based Compensation	18.53M	16.21M	109.98M	33.87M
Deferred Taxes	-525K	-525K	-525K	-525K
Other Non-Cash Items	9.49M	-6.73M	9.62M	7.49M
Working Capital Changes	-83.48M	-88.2M	2.01M	-102.23M
Change in Receivables	-164.82M	-115.95M	-65.6M	-519.62M
Change in Inventory	-21.3M	-11.59M	0	0
Change in Payables	96.39M	46.86M	89.71M	408.95M
Cash from Investing+	-65.33M	27.69M	12.82M	-15.6M
Capital Expenditures	-1.63M	-1.24M	-549K	-1.66M
CapEx % of Revenue	0%	0%	0%	0%
Acquisitions	-	-	-	-
Investments	-	-	-	-
Other Investing	52K	0	22K	12K
Cash from Financing+	583.67M	-159.04M	140.34M	1.95M
Debt Issued (Net)	-	-	-	-
Equity Issued (Net)	-	-	-	-
Dividends Paid	0	0	0	0
Share Repurchases	-	-	-	-
Other Financing	-6.33M	0	-17.56M	-13.05M
Net Change in Cash	-	-	-	-
Free Cash Flow+	-189.22M	-160.1M	-27.5M	-115.8M
FCF Margin %	-0.11%	-0.06%	-0.01%	-0.03%
FCF Growth %	-	0.15%	0.83%	-3.21%
FCF per Share	-2.38	-2.01	-0.36	-1.34
FCF Conversion (FCF/Net Income)	1.28x	1.75x	0.17x	1.86x
Interest Paid	10.54M	2.58M	898K	584K
Taxes Paid	3K	4K	162K	234K

Key Ratios

Metric	2021	2022	2023	2024
Return on Equity (ROE)	-	-	-42.2%	-16.69%
Return on Invested Capital (ROIC)	-	-	-76.66%	-22.81%
Gross Margin	4.66%	5.31%	4.25%	4.57%
Net Margin	-8.44%	-3.4%	-4.83%	-1.76%
Debt / Equity	-	-	0.08x	0.10x
Interest Coverage	-23.87x	-35.11x	-116.03x	-79.41x
FCF Conversion	1.28x	1.75x	0.17x	1.86x
Revenue Growth	-	54.38%	23.23%	5.2%

Revenue by Segment

	2013	2014	2023
Others	-	-	1.19M
Others Growth	-	-	-
Reconciliations	244.39M	106.89M	-
Reconciliations Growth	-	-56.26%	-
Student Housing Operations	91.25M	105.49M	-
Student Housing Operations Growth	-	15.61%	-
Development Construction and Management Services	153.14M	1.4M	-
Development Construction and Management Services Growth	-	-99.08%	-

Frequently Asked Questions

Growth & Financials

Cheche Group Inc. (CCG) reported $3.18B in revenue for fiscal year 2024. This represents a 83% increase from $1.74B in 2021.

Cheche Group Inc. (CCG) grew revenue by 5.2% over the past year. This is steady growth.

Cheche Group Inc. (CCG) reported a net loss of $31.9M for fiscal year 2024.

Dividend & Returns

Cheche Group Inc. (CCG) has a return on equity (ROE) of -16.7%. Negative ROE indicates the company is unprofitable.

Cheche Group Inc. (CCG) had negative free cash flow of $8.7M in fiscal year 2024, likely due to heavy capital investments.

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