Cheche Group Balance Sheet Health
Financial Health criteria checks 5/6
Cheche Group has a total shareholder equity of CN¥355.2M and total debt of CN¥140.9M, which brings its debt-to-equity ratio to 39.7%. Its total assets and total liabilities are CN¥1.5B and CN¥1.1B respectively.
Key information
39.68%
Debt to equity ratio
CN¥140.93m
Debt
| Interest coverage ratio | n/a |
| Cash | CN¥144.74m |
| Equity | CN¥355.17m |
| Total liabilities | CN¥1.12b |
| Total assets | CN¥1.47b |
Recent financial health updates
Recent updates
CCG: AI Insurance Pricing Advances Will Support Future Earnings Rebound
Analysts have lowered their price target for Cheche Group to $2.31 from $3.06, citing updated assumptions that now include a higher discount rate, more moderate revenue growth, a reduced profit margin, and a higher expected future P/E multiple. What’s in the News for Cheche Group Cheche Group launched Cheche Score, an AI-powered dynamic pricing solution for new energy vehicle insurance that uses more than 200 risk indicators to support a five-tier risk segmentation system and per-vehicle pricing, according to company key developments.
NEV Insurance Shift And AI Integration Will Define A Powerful Long Term Upside Narrative
Catalysts About Cheche Group Cheche Group operates an AI powered insurance platform focused on auto and new energy vehicle, or NEV, insurance across China and selected international markets. What are the underlying business or industry changes driving this perspective?Investors Holding Back On Cheche Group Inc. (NASDAQ:CCG)
Cheche Group Inc.'s ( NASDAQ:CCG ) price-to-sales (or "P/S") ratio of 0.2x may look like a pretty appealing investment...Market Might Still Lack Some Conviction On Cheche Group Inc. (NASDAQ:CCG) Even After 29% Share Price Boost
Cheche Group Inc. ( NASDAQ:CCG ) shareholders have had their patience rewarded with a 29% share price jump in the last...Financial Position Analysis
Short Term Liabilities: CCG's short term assets (CN¥1.4B) exceed its short term liabilities (CN¥1.1B).
Long Term Liabilities: CCG's short term assets (CN¥1.4B) exceed its long term liabilities (CN¥14.5M).
Debt to Equity History and Analysis
Debt Level: CCG has more cash than its total debt.
Reducing Debt: Insufficient data to determine if CCG's debt to equity ratio has reduced over the past 5 years.
Balance Sheet
Cash Runway Analysis
For companies that have on average been loss-making in the past, we assess whether they have at least 1 year of cash runway.
Stable Cash Runway: CCG has sufficient cash runway for more than 3 years based on its current free cash flow.
Forecast Cash Runway: CCG has sufficient cash runway for more than 3 years if free cash flow continues to grow at historical rates of 34.7% each year
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/07/13 01:04 |
| End of Day Share Price | 2026/07/13 00:00 |
| Earnings | 2025/12/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
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Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Cheche Group Inc. is covered by 2 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Junyun Chen | Citic Securities Co., Ltd. |
| Allen Klee | Maxim Group |