Overview Dividends

(CCG) Cheche Ordinary Shares - Ratings and Ratios

Exchange: NASDAQ • Country: China • Currency: USD • Type: Common Stock • ISIN: KYG207071088

Auto Insurance, Digital Platforms, SaaS Software, NEV Services

Description: CCG Cheche Ordinary Shares

Cheche Group Inc. is a China-based company that has revolutionized the auto insurance industry with its cutting-edge digital transaction services. By leveraging technology, the company offers a suite of innovative products, including Easy-Insur, a comprehensive insurance platform that partners with carriers to provide a wide range of auto and non-auto insurance products. Additionally, its NEV Insurance Solution is designed to support new energy vehicle manufacturers in building a robust digital insurance ecosystem, encompassing insurance, renewal, claims, and business management.

The companys insurance SaaS solutions, such as Digital Surge and Sky Frontier, cater to insurance intermediaries and carriers, respectively, enabling them to streamline operations and improve efficiency. With a strong foundation established in 2014, Cheche Group Inc. has positioned itself as a leader in the Chinese insurance technology landscape, with its headquarters in Beijing.

Analyzing the companys , its evident that Cheche Group Inc. is still in a growth phase, as indicated by its negative P/E ratio and RoE of -11.39%. However, its market capitalization of $71 million suggests a certain level of investor confidence. To gauge the companys future prospects, we need to examine its . The stocks last price is $0.82, with its SMA20, SMA50, and SMA200 all converging at $0.86, indicating a potential resistance level. The ATR of 0.07 (8.25% volatility) suggests moderate price fluctuations.

Based on the and , a forecast for Cheche Group Inc. can be made. Given the convergence of its short-term and long-term moving averages, a breakout above $0.86 could signal a bullish trend, potentially driving the stock price towards its 52-week high of $1.02. Conversely, failure to break through this resistance level may lead to a decline towards the 52-week low of $0.77. As the company continues to expand its product offerings and enhance its technological capabilities, a successful breakout could be a harbinger of future growth, making it an attractive opportunity for investors.

CCG Stock Overview

Market Cap in USD 98m
Sub-Industry Insurance Brokers
IPO / Inception 2023-09-18

CCG Stock Ratings

Growth Rating 50.0%
Fundamental 31.3%
Dividend Rating -
Return 12m vs S&P 500 57.1%
Analyst Rating 4.50 of 5

CCG Dividends

Currently no dividends paid

CCG Growth Ratios

Growth Correlation 3m 67.4%
Growth Correlation 12m -8.6%
Growth Correlation 5y -8.6%
CAGR 5y 380.60%
CAGR/Max DD 3y 13.86
CAGR/Mean DD 3y 18.57
Sharpe Ratio 12m -0.10
Alpha 0.93
Beta 0.536
Volatility 100.72%
Current Volume 1728.9k
Average Volume 20d 617.5k
Stop Loss 1.3 (-13.3%)
Signal 2.71

Piotroski VR‑10 (Strict, 0-10) 0.5

Net Income (-40.4m TTM) > 0 and > 6% of Revenue (6% = 220.2m TTM)
FCFTA -0.09 (>2.0%) and ΔFCFTA -5.87pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)
NWC/Revenue 8.24% (prev 8.01%; Δ 0.24pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)
CFO/TA -0.09 (>3.0%) and CFO -114.1m <= Net Income -40.4m (YES >=105%, WARN >=100%)
NO Net Debt/EBITDA fails (EBITDA <= 0)
Current Ratio 1.34 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)
Outstanding Shares last Quarter (86.5m) change vs 12m ago 14.60% (target <= -2.0% for YES)
Gross Margin 4.81% (prev 4.24%; Δ 0.57pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)
Asset Turnover 338.3% (prev 375.3%; Δ -37.02pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)
Interest Coverage Ratio -38.27 (EBITDA TTM -19.4m / Interest Expense TTM 826.0k) >= 6 (WARN >= 3)

Altman Z'' -6.60

(A) 0.23 = (Total Current Assets 1.18b - Total Current Liabilities 878.3m) / Total Assets 1.29b
(B) -1.69 = Retained Earnings (Balance) -2.18b / Total Assets 1.29b
warn (B) unusual magnitude: -1.69 — check mapping/units
(C) -0.03 = EBIT TTM -31.6m / Avg Total Assets 1.08b
(D) -2.33 = Book Value of Equity -2.17b / Total Liabilities 932.2m
Total Rating: -6.60 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 31.26

1. Piotroski 0.50pt = -4.50
2. FCF Yield -18.36% = -5.0
3. FCF Margin -3.16% = -1.18
4. Debt/Equity 0.24 = 2.47
5. Debt/Ebitda -4.49 = -2.50
6. ROIC - WACC -15.58% = -12.50
7. RoE -11.39% = -1.90
8. Rev. Trend 86.72% = 6.50
9. EPS Trend -2.74% = -0.14

What is the price of CCG shares?

As of September 17, 2025, the stock is trading at USD 1.50 with a total of 1,728,904 shares traded.
Over the past week, the price has changed by +35.14%, over one month by +89.04%, over three months by +91.99% and over the past year by +94.75%.

Is Cheche Ordinary Shares a good stock to buy?

No, based on ValueRay´s Fundamental Analyses, Cheche Ordinary Shares (NASDAQ:CCG) is currently (September 2025) a stock to sell. It has a ValueRay Fundamental Rating of 31.26 and therefor a negative outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of CCG is around 1.34 USD . This means that CCG is currently overvalued and has a potential downside of -10.67%.

Is CCG a buy, sell or hold?

Cheche Ordinary Shares has received a consensus analysts rating of 4.50. Therefore, it is recommended to buy CCG.
  • Strong Buy: 1
  • Buy: 1
  • Hold: 0
  • Sell: 0
  • Strong Sell: 0

What are the forecasts/targets for the CCG price?

Issuer Target Up/Down from current
Wallstreet Target Price 2.3 54%
Analysts Target Price 2.3 54%
ValueRay Target Price 1.5 -2%

Last update: 2025-09-05 04:36

CCG Fundamental Data Overview

Market Cap CNY = 696.7m (97.9m USD * 7.1191 USD.CNY)
CCE Cash And Equivalents = 152.9m CNY (Cash And Short Term Investments, last quarter)
P/S = 0.0307
P/B = 2.0437
Beta = 0.334
Revenue TTM = 3.67b CNY
EBIT TTM = -31.6m CNY
EBITDA TTM = -19.4m CNY
Long Term Debt = 53.9m CNY (from nonCurrentLiabilitiesTotal, last quarter)
Short Term Debt = 33.0m CNY (from shortTermDebt, last quarter)
Debt = 86.9m CNY (Calculated: Short Term 33.0m + Long Term 53.9m)
Net Debt = -82.3m CNY (from netDebt column, last quarter)
Enterprise Value = 630.7m CNY (696.7m + Debt 86.9m - CCE 152.9m)
Interest Coverage Ratio = -38.27 (Ebit TTM -31.6m / Interest Expense TTM 826.0k)
FCF Yield = -18.36% (FCF TTM -115.8m / Enterprise Value 630.7m)
FCF Margin = -3.16% (FCF TTM -115.8m / Revenue TTM 3.67b)
Net Margin = -1.10% (Net Income TTM -40.4m / Revenue TTM 3.67b)
Gross Margin = 4.81% ((Revenue TTM 3.67b - Cost of Revenue TTM 3.49b) / Revenue TTM)
Tobins Q-Ratio = -0.29 (set to none) (Enterprise Value 630.7m / Book Value Of Equity -2.17b)
Interest Expense / Debt = 0.26% (Interest Expense 222.0k / Debt 86.9m)
Taxrate = 21.0% (US default)
NOPAT = -31.6m (EBIT -31.6m, no tax applied on loss)
Current Ratio = 1.34 (Total Current Assets 1.18b / Total Current Liabilities 878.3m)
Debt / Equity = 0.24 (Debt 86.9m / last Quarter total Stockholder Equity 355.8m)
Debt / EBITDA = -4.49 (Net Debt -82.3m / EBITDA -19.4m)
Debt / FCF = -0.75 (Debt 86.9m / FCF TTM -115.8m)
Total Stockholder Equity = 354.5m (last 4 quarters mean)
RoA = -3.14% (Net Income -40.4m, Total Assets 1.29b )
RoE = -11.39% (Net Income TTM -40.4m / Total Stockholder Equity 354.5m)
RoCE = -7.74% (Ebit -31.6m / (Equity 354.5m + L.T.Debt 53.9m))
RoIC = -8.45% (NOPAT -31.6m / Invested Capital 374.1m)
WACC = 7.13% (E(696.7m)/V(783.6m) * Re(7.99%)) + (D(86.9m)/V(783.6m) * Rd(0.26%) * (1-Tc(0.21)))
Shares Correlation 3-Years: 37.52 | Cagr: 2.67%
Discount Rate = 7.99% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
Fair Price DCF = unknown (Cash Flow -115.8m)
EPS Correlation: -2.74 | EPS CAGR: -3.17% | SUE: NaN | # QB: False
Revenue Correlation: 86.72 | Revenue CAGR: 11.76%

Additional Sources for CCG Stock

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