Cheche Group Inc. (CCG) stock analysis

CCGNasdaqInsurance Agents, Brokers & ServiceAlso trades as CCGWW

Financials through fiscal 2025, year ended Dec 31, 2025Last filing: 20-F on Apr 27, 2026Score 4/30

$4.60−0.20 (-4.17%)

Close on Oct 19, 2026

StockData Score

Prices as of Nov 11, 2026How the score works

Weak4 of 30 checks passed

Cheche passes 4 of the 30 checks behind our score; 17 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation: 0/6
Growth: 1/6
Past performance: 1/6
Financial health: 2/6
Dividend: 0/6

What stands out

Low debt
Debt is 32.2% of shareholders' equity, under the 40% we consider low.
Gross margin improving
Gross margin was 5.3% over the last twelve months, against 4.6% a year earlier.
Net margin above its 5-year average
Net margin was -0.6% over the last twelve months, against a 5-year average of -3.8%.
Short-term assets cover short-term debts
Current assets are 1.30 times current liabilities.

What to watch

Revenue growing under 10% a year
Revenue grew 4.0% a year over the last three fiscal years, short of the 10% we look for.
Interest not well covered
Operating income covers interest expense -9.2 times; we look for at least 5.
Debt not well covered by cash flow
Operating cash flow over the last twelve months equals -41.3% of total debt; we look for at least 20%.
Guidance lowered
Cheche lowered its full year 2026 NEV Written Premiums Placed outlook on Sep 4, 2026.

Valuation0/6

P/E against its history
Not enough price and earnings history to compare.
P/E against the industry
Needs positive earnings and enough profitable companies in the industry.
P/S against the industry
Not enough revenue data to compare.
P/B against the industry
Needs positive book value.
Price against fair value
We could not estimate a fair value: it needs at least two valuation methods with positive inputs.
Margin of safety
Depends on the fair value estimate.

Growth1/6

Revenue growing under 10% a year
Revenue grew 4.0% a year over the last three fiscal years, short of the 10% we look for.
EPS growth over 3 years
Needs positive EPS three years ago and today.
Earnings acceleration
Needs positive net income now, a year ago and five years ago.
Growing slower than the industry
Revenue grew -13.3% over the last twelve months; the Insurance Agents, Brokers, and Service median is 13.8%.
Guidance lowered
Cheche lowered its full year 2026 NEV Written Premiums Placed outlook on Sep 4, 2026.
Gross margin improving
Gross margin was 5.3% over the last twelve months, against 4.6% a year earlier.

Past performance1/6

Return on equity
Needs positive equity and five years of results.
Return on assets under 1%
Return on assets was -1.5%; for a bank or insurer, 1% or more is considered good.
Return on equity below the industry
Cheche's return on equity of -5.5% is below the Insurance Agents, Brokers, and Service median of 9.3%.
Earnings over 5 years
Needs positive net income five years ago and in the latest year.
Net margin above its 5-year average
Net margin was -0.6% over the last twelve months, against a 5-year average of -3.8%.
Net margin below the industry
Cheche's net margin of -0.6% is below the Insurance Agents, Brokers, and Service median of 4.9%.

Financial health2/6

Low debt
Debt is 32.2% of shareholders' equity, under the 40% we consider low.
Debt trend
Needs a balance sheet from five years ago with positive equity.
Debt not well covered by cash flow
Operating cash flow over the last twelve months equals -41.3% of total debt; we look for at least 20%.
Interest not well covered
Operating income covers interest expense -9.2 times; we look for at least 5.
Short-term assets cover short-term debts
Current assets are 1.30 times current liabilities.
Bankruptcy risk (Altman Z)
The Altman model does not apply to insurers.

Dividend0/6

No dividend
Cheche has not paid a dividend in the last twelve months.
Yield against Treasuries
No dividend.
Yield against the market
No dividend.
Dividend stability
No dividend.
Earnings cover
No dividend.
Cash-flow cover
No dividend.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for Cheche. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Margins

Share of revenue, fiscal years 2020 to 2025

Gross margin

5.3%

Operating margin

-0.7%

Net margin

-0.6%

Per year	1 year	3 years	5 years	10 years	Five-year pace
Revenue	-13.3%	+4.0%	–	–
Gross profit	+1.0%	+4.1%	–	–

Returns and balance sheet

6 fiscal years. Hover a measure to see how it is calculated.

Measure	FY2020	FY2020	FY2025
Return on equity	–	–	-5.0%
Return on assets	–	–	-1.3%
Current ratio	–	–	1.23
Interest coverage	–	–	-9.2×
Capex to revenue	–	–	0.0%
Diluted shares	–	–	2M