Cheche Group Inc.(CCG)Earnings, Financials & Key Ratios
CCG•NASDAQ
$0.67
$58M mkt cap·Price updated May 6, 2026
SectorCommunication ServicesIndustryInternet ServicesSub-IndustryOnline 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 Margin4.57%+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/Equity0.10+27.4%
- Interest Coverage-79.41+31.6%
CCG Key Insights
Cheche Group Inc. (CCG) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Company is almost debt free
- ✓High quality earnings: Operating CF exceeds net income
- ✓Trading at only 1.1x 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.
CCG Price & Volume
Cheche Group Inc. (CCG) stock price & volume — 10-year historical chart
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CCG Growth Metrics
Cheche Group Inc. (CCG) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years-
3 Years26.02%
TTM-2.98%
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM64.11%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM66.3%
Return on Capital
10 Years-29.16%
5 Years-29.16%
3 Years-28.92%
Last Year-16.59%
CCG Peer Comparison
Cheche Group Inc. (CCG) competitors in Online Marketplaces and Classifieds — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 HUIZ | 826.25K | 1.63 | -8.68 | 4.46% | 1.35% | 4.21% | 0.21 | |
 ACMR | 3.5B | 52.80 | 38.54 | 15.24% | 10.44% | 6.11% | 0.16 | |
 FINV | 2.89B | 5.10 | 3.84 | 3.69% | 18.24% | 17.43% | 14.54% | 0.00 |
 QFIN | 3.76B | 13.26 | 2.16 | 5.38% | 36.49% | 28.76% | 35.81% | 0.07 |
 BIDU | 44.15B | 126.24 | 13.06 | -1.09% | 6.9% | 3.13% | 4.35% | 0.28 |
 BEKE | 60.54B | 18.14 | 35.84 | 20.16% | 3.36% | 5.02% | 2.04% | 0.32 |
 GOCO | 13M | 1.03 | -1.56 | 8.74% | -26.96% | -64.38% | 1.15 | |
 SLQT | 218.6M | 1.24 | 93.23 | 15.5% | 4.45% | 13.75% | 0.72 |
Compare CCG vs Peers
Cheche Group Inc. (CCG) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CCG Income Statement
Cheche Group Inc. (CCG) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|
| Sales/Revenue | 1.74B | 2.68B | 3.3B | 3.47B | 3.18B |
| Revenue Growth % | - | 54.38% | 23.23% | 5.2% | -2.98% |
| Cost of Goods Sold | 1.65B | 2.54B | 3.16B | 3.31B | 3.02B |
| COGS % of Revenue | 95.34% | 94.69% | 95.75% | 95.43% | - |
| Gross Profit | 80.81M▲ 0% | 142.31M▲ 76.1% | 140.22M▼ 1.5% | 158.76M▲ 13.2% | 160.39M▲ 0% |
| Gross Margin % | 4.66% | 5.31% | 4.25% | 4.57% | 5.04% |
| Gross Profit Growth % | - | 76.1% | -1.47% | 13.22% | - |
| Operating Expenses | 236.52M | 258.27M | 308.01M | 225.31M | 196.06M |
| OpEx % of Revenue | 13.63% | 9.64% | 9.33% | 6.49% | - |
| Selling, General & Admin | 189.74M | 208.32M | 250.84M | 187.36M | 158.45M |
| SG&A % of Revenue | 10.93% | 7.78% | 7.6% | 5.39% | - |
| Research & Development | 46.78M | 49.95M | 57.17M | 37.95M | 37.72M |
| R&D % of Revenue | 2.7% | 1.86% | 1.73% | 1.09% | - |
| Other Operating Expenses | 0 | 0 | 0 | 0 | -107K |
| Operating Income | -155.71M▲ 0% | -115.95M▲ 25.5% | -167.78M▼ 44.7% | -66.54M▲ 60.3% | -35.67M▲ 0% |
| Operating Margin % | -8.97% | -4.33% | -5.08% | -1.92% | -1.12% |
| Operating Income Growth % | - | 25.53% | -44.7% | 60.34% | - |
| EBITDA | -140.86M | -104.54M | -156.22M | -58.05M | -31.85M |
| EBITDA Margin % | -8.12% | -3.9% | -4.73% | -1.67% | -1% |
| EBITDA Growth % | - | 25.78% | -49.44% | 62.84% | 70.88% |
| D&A (Non-Cash Add-back) | 14.85M | 11.41M | 11.56M | 8.49M | 1.32M |
| EBIT | -140.46M | -88.24M | -158.51M | -60.69M | -33.17M |
| Net Interest Income | -6.24M | -1.41M | 3.95M | 5.2M | 2.84M |
| Interest Income | 278K | 1.89M | 5.4M | 6.04M | 3.24M |
| Interest Expense | 6.52M | 3.3M | 1.45M | 838K | 398K |
| Other Income/Expense | 8.73M | 24.41M | 7.83M | 5.02M | 3.35M |
| Pretax Income | -146.98M▲ 0% | -91.54M▲ 37.7% | -159.95M▼ 74.7% | -61.53M▲ 61.5% | -32.32M▲ 0% |
| Pretax Margin % | -8.47% | -3.42% | -4.84% | -1.77% | -1.02% |
| Income Tax | -522K | -521K | -363K | -291K | 4K |
| Effective Tax Rate % | 0.36% | 0.57% | 0.23% | 0.47% | -0.01% |
| Net Income | -146.46M▲ 0% | -91.02M▲ 37.9% | -159.59M▼ 75.3% | -61.24M▲ 61.6% | -31.93M▲ 0% |
| Net Margin % | -8.44% | -3.4% | -4.83% | -1.76% | -1% |
| Net Income Growth % | - | 37.85% | -75.33% | 61.63% | 64.11% |
| Net Income (Continuing) | -146.46M | -91.02M | -159.59M | -61.24M | -32.32M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| EPS (Diluted) | -0.57▲ 0% | -3.51▼ 515.8% | -20.30▼ 478.3% | -0.71▲ 96.5% | -0.39▲ 0% |
| EPS Growth % | - | -515.79% | -478.35% | 96.5% | 66.3% |
| EPS (Basic) | -0.57 | -3.51 | -20.30 | -0.77 | - |
| Diluted Shares Outstanding | 79.49M | 79.49M | 75.46M | 86.51M | 82.19M |
| Basic Shares Outstanding | 79.49M | 79.49M | 75.46M | 79.4M | 82.19M |
| Dividend Payout Ratio | - | - | - | - | - |
CCG Balance Sheet
Cheche Group Inc. (CCG) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|
| Total Current Assets | 752.56M | 600.85M | 780.25M | 1.18B | 1.16B |
| Cash & Short-Term Investments | 426.14M | 149.77M | 264.87M | 152.9M | 167.2M |
| Cash Only | 362.38M | 114.94M | 243.39M | 117.47M | 149.19M |
| Short-Term Investments | 63.76M | 34.82M | 21.47M | 35.42M | 18.01M |
| Accounts Receivable | 311.85M | 435.88M | 505.98M | 1B | 942.72M |
| Days Sales Outstanding | 65.59 | 59.39 | 55.94 | 105.6 | 104.28 |
| Inventory | 13.54M | 13.65M | 0 | 0 | 0 |
| Days Inventory Outstanding | 2.99 | 1.96 | - | - | - |
| Other Current Assets | -2.75M | -3.2M | 1.59M | 1.99M | 34.14M |
| Total Non-Current Assets | 116M | 111.65M | 113.72M | 107.11M | 129.37M |
| Property, Plant & Equipment | 19.14M | 16.89M | 11.92M | 7.02M | 9.23M |
| Fixed Asset Turnover | 90.67x | 158.58x | 277.06x | 494.68x | 347.58x |
| Goodwill | 84.61M | 84.61M | 84.61M | 84.61M | 84.61M |
| Intangible Assets | 12.25M | 10.15M | 8.05M | 5.95M | 4.9M |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 0 | 0 | 9.15M | 9.53M | 80.71M |
| Total Assets | 868.56M▲ 0% | 712.5M▼ 18.0% | 893.98M▲ 25.5% | 1.29B▲ 44.1% | 1.28B▲ 0% |
| Asset Turnover | 2.00x | 3.76x | 3.69x | 2.70x | 2.57x |
| Asset Growth % | - | -17.97% | 25.47% | 44.07% | 117.03% |
| Total Current Liabilities | 347.62M | 344.03M | 501.53M | 878.27M | 883.42M |
| Accounts Payable | 180.3M | 227.16M | 316.87M | 725.82M | 683.97M |
| Days Payables Outstanding | 39.77 | 32.68 | 36.59 | 79.93 | 80.29 |
| Short-Term Debt | 10M | 0 | 20M | 30M | 71.9M |
| Deferred Revenue (Current) | 8.71M | 888K | 4.29M | 1.78M | 4.3M |
| Other Current Liabilities | 7.13M | 9.49M | 9.33M | 9.04M | 13.17M |
| Current Ratio | 2.16x | 1.75x | 1.56x | 1.34x | 1.34x |
| Quick Ratio | 2.13x | 1.71x | 1.56x | 1.34x | 1.34x |
| Cash Conversion Cycle | 28.8 | 28.66 | - | - | 23.98 |
| Total Non-Current Liabilities | 1.53B | 1.63B | 14.26M | 53.9M | 59.93M |
| Long-Term Debt | 10.51M | 0 | 0 | 0 | 53.32M |
| Capital Lease Obligations | 8.29M | 6.23M | 5.4M | 2.14M | 10.2M |
| Deferred Tax Liabilities | 3.06M | 2.54M | 2.01M | 1.49M | 3.11M |
| Other Non-Current Liabilities | 1.5B | 1.62B | 5.42M | 48.84M | 103.64M |
| Total Liabilities | 1.87B | 1.97B | 515.79M | 932.17M | 943.35M |
| Total Debt | 36.67M | 13.9M | 29.35M | 35.17M | 132.85M |
| Net Debt | -325.72M | -101.04M | -214.04M | -82.3M | -16.34M |
| Debt / Equity | - | - | 0.08x | 0.10x | 0.10x |
| Debt / EBITDA | - | - | - | - | -4.17x |
| Net Debt / EBITDA | - | - | - | - | 0.51x |
| Interest Coverage | -23.87x | -35.11x | -116.03x | -79.41x | -83.35x |
| Total Equity | -1.01B▲ 0% | -1.26B▼ 25.4% | 378.18M▲ 130.0% | 355.75M▼ 5.9% | 341.47M▲ 0% |
| Equity Growth % | - | -25.4% | 130% | -5.93% | -15.36% |
| Book Value per Share | -12.65 | -15.86 | 5.01 | 4.11 | 4.15 |
| Total Shareholders' Equity | -1.01B | -1.26B | 378.18M | 355.75M | 341.47M |
| Common Stock | 30K | 30K | 5K | 6K | 6K |
| Retained Earnings | -1B | -1.26B | -2.11B | -2.18B | -2.2B |
| Treasury Stock | -1.03M | -1.02M | -1.02M | -1.02M | -1.02M |
| Accumulated OCI | -7.8M | -66K | 1.15M | 6.09M | 4.33M |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
CCG Cash Flow Statement
Cheche Group Inc. (CCG) cash flow — operating, investing & free cash flow history
| Line item | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|
| Cash from Operations | -187.59M | -158.86M | -26.95M | -114.14M | -114.14M |
| Operating CF Margin % | -10.81% | -5.93% | -0.82% | -3.29% | - |
| Operating CF Growth % | - | 15.32% | 83.04% | -323.51% | 0% |
| Net Income | -146.46M | -91.02M | -159.59M | -61.24M | -31.93M |
| Depreciation & Amortization | 14.85M | 11.41M | 11.56M | 8.49M | 4.01M |
| Stock-Based Compensation | 18.53M | 16.21M | 109.98M | 33.87M | 19.79M |
| Deferred Taxes | -525K | -525K | -525K | -525K | 0 |
| Other Non-Cash Items | 9.49M | -6.73M | 9.62M | 7.49M | -39.23M |
| Working Capital Changes | -83.48M | -88.2M | 2.01M | -102.23M | 38.72M |
| Change in Receivables | -164.82M | -115.95M | -65.6M | -519.62M | 39.76M |
| Change in Inventory | -21.3M | -11.59M | 0 | 0 | 0 |
| Change in Payables | 96.39M | 46.86M | 89.71M | 408.95M | 0 |
| Cash from Investing | -65.33M | 27.69M | 12.82M | -15.6M | 17.38M |
| Capital Expenditures | -1.63M | -1.24M | -549K | -1.66M | -40K |
| CapEx % of Revenue | 0.09% | 0.05% | 0.02% | 0.05% | - |
| Acquisitions | 0 | 0 | 0 | 0 | 0 |
| Investments | - | - | - | - | - |
| Other Investing | 52K | 0 | 22K | 12K | 17.42M |
| Cash from Financing | 583.67M | -159.04M | 140.34M | 1.95M | 44.88M |
| Debt Issued (Net) | -48.24M | -21.84M | 20M | 15M | 0 |
| Equity Issued (Net) | 1000K | -1000K | 1000K | 0 | 0 |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | -15M | -137.2M | 0 | 0 | 0 |
| Other Financing | -6.33M | 0 | -17.56M | -13.05M | 44.88M |
| Net Change in Cash | 328.84M▲ 0% | -247.44M▼ 175.2% | 128.45M▲ 151.9% | -125.92M▼ 198.0% | 0▲ 0% |
| Free Cash Flow | -189.22M▲ 0% | -160.1M▲ 15.4% | -27.5M▲ 82.8% | -115.8M▼ 321.1% | -8.68M▲ 0% |
| FCF Margin % | -10.9% | -5.98% | -0.83% | -3.33% | -0.27% |
| FCF Growth % | - | 15.39% | 82.82% | -321.1% | -855.58% |
| FCF per Share | -2.38 | -2.01 | -0.36 | -1.34 | -1.34 |
| FCF Conversion (FCF/Net Income) | 1.28x | 1.75x | 0.17x | 1.86x | 0.27x |
| Interest Paid | 10.54M | 2.58M | 898K | 584K | 1.07M |
| Taxes Paid | 3K | 4K | 162K | 234K | 0 |
CCG Key Ratios
Cheche Group Inc. (CCG) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|
| Return on Equity (ROE) | - | -42.2% | -16.69% | -9.35% |
| Return on Invested Capital (ROIC) | - | -76.66% | -22.81% | -22.81% |
| Gross Margin | 5.31% | 4.25% | 4.57% | 5.04% |
| Net Margin | -3.4% | -4.83% | -1.76% | -1% |
| Debt / Equity | - | 0.08x | 0.10x | 0.10x |
| Interest Coverage | -35.11x | -116.03x | -79.41x | -83.35x |
| FCF Conversion | 1.75x | 0.17x | 1.86x | 0.27x |
| Revenue Growth | 54.38% | 23.23% | 5.2% | -2.98% |
CCG Frequently Asked Questions
Cheche Group Inc. (CCG) stock FAQ — growth, dividends, profitability & financials explained
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.
Explore More CCG
Cheche Group Inc. (CCG) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
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Dividend History
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Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
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Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
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