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Upturn AI SWOT - About
CCG 
Cheche Group Inc. Class A Ordinary Shares (CCG)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
10/31/2025: CCG (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $2.32
1 Year Target Price $2.32
| 1 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 30.23% | Avg. Invested days 30 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/31/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 87.83M USD | Price to earnings Ratio - | 1Y Target Price 2.32 |
Price to earnings Ratio - | 1Y Target Price 2.32 | ||
Volume (30-day avg) 2 | Beta 0.44 | 52 Weeks Range 0.71 - 1.54 | Updated Date 11/1/2025 |
52 Weeks Range 0.71 - 1.54 | Updated Date 11/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.05 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -1% | Operating Margin (TTM) -2% |
Management Effectiveness
Return on Assets (TTM) -1.98% | Return on Equity (TTM) -9.21% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 95452654 | Price to Sales(TTM) 0.03 |
Enterprise Value 95452654 | Price to Sales(TTM) 0.03 | ||
Enterprise Value to Revenue 0.21 | Enterprise Value to EBITDA - | Shares Outstanding 65046611 | Shares Floating 23485314 |
Shares Outstanding 65046611 | Shares Floating 23485314 | ||
Percent Insiders 53.3 | Percent Institutions 0.77 |
Upturn AI SWOT
Cheche Group Inc. Class A Ordinary Shares
Company Overview
History and Background
Cheche Group Inc. (CCG) is a China-based auto insurance technology platform. Founded in 2014, it aims to modernize and digitize the insurance ecosystem, connecting insurers, agents, and consumers.
Core Business Areas
- Insurance Transaction Platform: Facilitates auto insurance transactions between insurers, agents, and consumers. Core revenue generator.
- Digital Insurance Solutions: Provides SaaS and other digital solutions to insurance companies to improve their operations and efficiency.
- Value-Added Services: Offers services like accident assistance, repair recommendations, and other related services to consumers.
Leadership and Structure
Lei Zhang is the Chairman and CEO. Organizational structure is typical of a Chinese company with a board of directors and various functional departments reporting to the CEO.
Top Products and Market Share
Key Offerings
- Auto Insurance Transaction Platform: Connects insurers, agents, and consumers for efficient policy selection and purchase. Market share data is challenging to obtain specifically for CCG but the broader online insurance market in China is highly competitive. Competitors include Tencent WeSure, Ant Insurance, and various direct insurer platforms.
- SaaS Solutions for Insurers: Provides software to streamline insurance operations. Market share is growing but not dominant. Competing companies include Kingdee and Yonyou in the broader enterprise software market; within insurance vertical they compete with other insurtech companies offering similar solutions.
- Value Added Services: Provides value added services such as roadside assistance. The market is fragmented with lots of regional competitors. CCG must compete with local companies that specialize in roadside assistance.
Market Dynamics
Industry Overview
The Chinese auto insurance market is massive and growing, but highly regulated. There is a strong push towards digitalization and online insurance channels.
Positioning
CCG is positioned as a leading insurtech platform facilitating digital insurance transactions and providing SaaS solutions to insurers. They are benefiting from the digitalization trend but facing intense competition.
Total Addressable Market (TAM)
The Chinese auto insurance market is estimated to be hundreds of billions of dollars annually. CCG is positioned to capture a significant share of the online distribution and SaaS solution market within this TAM.
Upturn SWOT Analysis
Strengths
- Technology platform
- Established network of insurers and agents
- Focus on digitalization
- Strong growth potential in the Chinese market
Weaknesses
- Relatively short operating history
- High dependence on regulatory environment
- Intense competition
- Limited brand recognition compared to established insurers
Opportunities
- Expanding online insurance penetration in China
- Developing new digital insurance products
- Acquiring smaller competitors
- Partnerships with leading insurers
Threats
- Increased regulatory scrutiny
- Competition from established insurers and other insurtech companies
- Economic slowdown in China
- Data security and privacy concerns
Competitors and Market Share
Key Competitors
- PING AN (PNGAY)
- CHINA LIFE (LFC)
- CPIC (2601.HK)
Competitive Landscape
CCG faces stiff competition from established insurance giants and emerging insurtech startups. Its competitive advantage lies in its technology platform and digital focus.
Major Acquisitions
Nanjing Fengsheng Information Technology Co., Ltd.
- Year: 2024
- Acquisition Price (USD millions): 18.5
- Strategic Rationale: This acquisition helps the Company expand its geographic footprint into new regions in China.
Growth Trajectory and Initiatives
Historical Growth: Experienced significant revenue growth in its early years, but growth has slowed recently. Expansion into new regions and insurance lines is planned.
Future Projections: Analyst estimates vary widely, reflecting uncertainty about regulatory changes and competitive pressures. Some project continued growth, while others are more cautious.
Recent Initiatives: Focusing on improving its technology platform, expanding its partner network, and launching new insurance products. Signed partnerships with a number of companies to expand it customer base.
Summary
Cheche Group is a growing insurtech company operating in the Chinese auto insurance market, it aims to modernize the current insurance business model. It faces intense competition and regulatory uncertainties. The company is growing, however, and its tech platform and expansion plans offer promise. Continued growth depends on execution and overcoming market hurdles.
Similar Stocks
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Industry Reports
- Yahoo Finance
Disclaimers:
This analysis is for informational purposes only and does not constitute investment advice. Investment decisions should be based on thorough research and consultation with a financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Cheche Group Inc. Class A Ordinary Shares
Exchange NASDAQ | Headquaters - | ||
IPO Launch date 2023-09-18 | Chairman & CEO Mr. Lei Zhang | ||
Sector Communication Services | Industry Internet Content & Information | Full time employees 548 | Website https://www.chechegroup.com |
Full time employees 548 | Website https://www.chechegroup.com | ||
Cheche Group Inc. provides auto insurance transaction services. The company offers digital insurance transaction products, such as Easy-Insur that provides a range of auto and non-auto insurance products underwritten by insurance carriers; and NEV Insurance Solution which assists NEV manufacturers in building a full-stack digital insurance service, including NEV insurance, one-click renewal, intelligent claims, business management, and interface operation and maintenance, as well as offers customized system deployment and one-stop operation services for various business models of NEV manufacturers. It also provides insurance SaaS solution products comprising Digital Surge, a cloud-based software for insurance intermediaries; and Sky Frontier, an AI-based software for auto insurance carriers. The company was founded in 2014 and is headquartered in Beijing, China.
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