Cheche Group (CCG) AI Stock Analysis

• Market Cap: $75.93M
• Dividend Yield: N/A
• Average Volume (3M): 83.58K
• Price to Earnings (P/E): ―
• Beta (1Y): 1.15
• Revenue Growth: 105.31%
• EPS Growth: 95.66%
• Country: US
• Employees: 548
• Sector: Communication Services
• Sector Strength: 97
• Industry: Internet Content & Information
• EPS (TTM): N/A
• Shares Outstanding: 62,178,240
• 10 Day Avg. Volume: 84,382
• 30 Day Avg. Volume: 83,581
• PEG Ratio: 0.09
• Price to Book (P/B): 1.45
• Price to Sales (P/S): 0.15
• P/FCF Ratio: -4.45
• Enterprise Value/Market Cap: 0.00
• Enterprise Value/Revenue: 0.00
• Enterprise Value/Gross Profit: 0.00
• Enterprise Value/Ebitda: 0.00
• 1Y Price Target: $3.00
• Price Target Upside: 215.79% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): -0.04
• Revenue Forecast (FY): $421.78M

• Rating: 52 Neutral
• Price Target: $1.00 ▲(5.26% Upside)

Cheche Group's overall stock score reflects a mix of improving financial performance and strategic growth initiatives, tempered by current profitability challenges and bearish technical indicators. The company's focus on NEV insurance and AI-driven solutions offers potential for future growth, but current valuation metrics and technical analysis suggest caution.

Positive Factors

NEV Insurance Growth

Cheche Group's significant growth in NEV insurance policies highlights its strong market position in the rapidly expanding NEV sector, indicating potential for sustained revenue growth.

AI-Driven Initiatives

The introduction of AI-driven tools positions Cheche Group as an innovator in the insurance sector, enhancing operational efficiency and supporting global expansion.

Strategic Partnerships

Expanding partnerships with major players like Volkswagen Anhui strengthens Cheche's market presence and reinforces its role in the NEV insurance ecosystem.

Negative Factors

Profitability Challenges

Operating at a loss with negative profit margins indicates ongoing profitability challenges, which could hinder long-term financial stability and growth prospects.

Cash Flow Issues

Negative free cash flow suggests cash management issues, potentially limiting the company's ability to invest in growth opportunities and manage debt effectively.

Decreased Net Revenues

A decline in net revenues reflects potential challenges in maintaining revenue streams, which may impact the company's ability to achieve its financial targets.

Cheche Group Business Overview & Revenue Model

Company Description

Cheche Group (CCG) is a diversified conglomerate operating in multiple sectors, including technology, logistics, and consumer goods. The company is known for its innovative solutions in supply chain management, offering a suite of software and services that enhance operational efficiency for businesses. CCG also manufactures and distributes a range of consumer products, focusing on sustainability and quality, thereby catering to both local and international markets.

How the Company Makes Money

CCG generates revenue through various streams, primarily from its technology solutions and logistics services. The company earns significant income by providing subscription-based software services to businesses seeking to optimize their supply chain operations. Additionally, CCG sells consumer products directly to retailers and through e-commerce platforms, contributing to its revenue. Strategic partnerships with key players in the logistics and technology sectors further enhance its earnings, allowing for shared resources and expanded market access. The company's focus on sustainability also attracts partnerships with organizations looking to enhance their green initiatives, creating additional revenue opportunities.

Cheche Group Financial Statement Overview

Summary

Cheche Group is showing signs of improvement in revenue and margin growth, although it still faces profitability and cash flow challenges. The balance sheet is stable with manageable debt levels, indicating potential for recovery. The company needs to focus on improving cash flow and moving towards positive net income to enhance financial health.

Income Statement

Cheche Group has shown revenue growth with a 5.2% increase in 2024 compared to 2023. The gross profit margin improved slightly to 4.6% in 2024. However, the company is still operating at a loss with a negative net profit margin of -1.8% and negative EBIT and EBITDA margins. The trend shows a reduction in net loss, indicating a move towards profitability.

Balance Sheet

The company's balance sheet reflects a stable equity position with a debt-to-equity ratio of 0.10 in 2024, showing effective debt management. However, the equity ratio remains moderate at 27.6%. The company has a strong cash position, but the negative net equity in past years indicates past financial struggles that are being addressed.

Cash Flow

Cheche Group's cash flow statement highlights significant challenges with negative free cash flow and operating cash flow. The free cash flow growth rate is negative, indicating cash flow issues. However, the operating cash flow to net income ratio suggests the company is gradually improving operational efficiency, albeit still negative.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	3.18B	3.47B	3.30B	2.68B	1.74B
Gross Profit	160.39M	158.76M	140.22M	142.31M	80.81M
EBITDA	-31.85M	-52.20M	-146.95M	-76.83M	-125.61M
Net Income	-31.93M	-61.24M	-159.59M	-91.02M	-146.46M
Balance Sheet
Total Assets	1.28B	1.29B	893.98M	712.50M	868.56M
Cash, Cash Equivalents and Short-Term Investments	167.20M	152.90M	264.87M	149.77M	426.14M
Total Debt	132.85M	35.17M	29.35M	13.90M	36.67M
Total Liabilities	943.35M	932.17M	515.79M	1.97B	1.87B
Stockholders Equity	341.47M	355.75M	378.18M	-1.26B	-1.01B
Cash Flow
Free Cash Flow	-8.68M	-115.80M	-27.50M	-160.10M	-189.22M
Operating Cash Flow	-8.64M	-114.14M	-26.95M	-158.86M	-187.59M
Investing Cash Flow	17.38M	-15.60M	12.82M	27.69M	-65.33M
Financing Cash Flow	44.88M	1.95M	140.34M	-159.04M	583.67M

Cheche Group Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 0.95
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CCG, the sentiment is Negative. The current price of 0.95 is below the 20-day moving average (MA) of 0.96, below the 50-day MA of 1.00, and above the 200-day MA of 0.94, indicating a neutral trend. The MACD of -0.01 indicates Negative momentum. The RSI at 45.40 is Neutral, neither overbought nor oversold. The STOCH value of 47.73 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CCG.

Cheche Group Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	60 Neutral	$48.67B	4.58	-11.27%	4.14%	2.83%	-41.78%
PODC	52 Neutral	$60.28M	―	-34.22%	―	20.01%	27.28%
CCG	52 Neutral	$75.93M	―	―	―	105.31%	95.66%
IZEA	51 Neutral	$83.57M	―	-6.62%	―	7.12%	78.68%
MNY	49 Neutral	$58.33M	―	-51.45%	―	-23.29%	80.29%
SEAT	45 Neutral	$107.57M	―	-51.54%	―	-16.83%	-485.31%
BZFD	39 Underperform	$34.92M	―	―	―	―	―

Cheche Group Corporate Events

Cheche Group Partners with FAW Bestune for Digital Vehicle Delivery Service

On December 4, 2025, Cheche Group Inc., a prominent auto insurance technology platform in China, announced a partnership with FAW Bestune and Jilin Dingjia Automotive Business Service Co., Ltd., both under China FAW Group Co., Ltd. This collaboration integrates Cheche’s insurance solutions with China’s official 12123 traffic management platform, allowing for online car insurance purchases and temporary license plate applications. This initiative aims to enhance the digital vehicle delivery process, improve user experience, and strengthen Cheche’s role as a trusted partner for automakers. The service is currently being piloted in select cities, with plans for nationwide expansion.

Cheche Group Regains Nasdaq Compliance with Minimum Bid Price

On September 19, 2025, Cheche Group Inc. announced that it has regained compliance with Nasdaq’s Minimum Bid Price Requirement, following a notification from Nasdaq’s Listing Qualifications Department. The company had previously received a notification on June 5, 2025, indicating non-compliance due to its Class A ordinary shares trading below the minimum bid price of $1.00 for 31 consecutive business days. By maintaining a closing bid price of at least $1.00 for 12 consecutive business days from September 2 to September 18, 2025, Cheche successfully met the requirement, thereby closing the matter. This development is significant for Cheche as it ensures continued listing on Nasdaq, which is crucial for maintaining investor confidence and market presence.

Cheche Group Expands Partnership with Volkswagen Anhui for NEV Risk Management

On September 17, 2025, Cheche Group Inc. announced the expansion of its strategic partnership with Volkswagen Anhui, focusing on providing comprehensive risk management services for Volkswagen’s new ID.EVO model. This collaboration is a significant step in delivering integrated, tech-enabled insurance solutions tailored to the new energy vehicle market, reinforcing Cheche’s position as a key player in digital insurance innovation within China’s rapidly growing NEV sector.

Cheche Group Releases Interim Financial Statements for 2025

On September 16, 2025, Cheche Group Inc. filed a Form 6-K with the U.S. Securities and Exchange Commission, incorporating its unaudited interim condensed consolidated financial statements for the periods ending December 31, 2024, and June 30, 2025. The filing includes discussions on the company’s financial condition and operational results, highlighting changes in assets, liabilities, and shareholders’ equity. This release provides stakeholders with insights into the company’s financial health and strategic positioning, which could influence investor confidence and market perception.