Cheche Group Inc. (CCG)

Nasdaq: CCG · Insurance Agents, Brokers & Service · Beijing, CN · filing with the SEC since 2023

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Grade3.6

◀ Past 4.6● Present 3.2▶ Future 3.6

2 est.

Overview Business Financials Grade Forecast Sentiment Ownership People Filings Patents Chart

The grade of Cheche Group Inc.

Nine metrics read from its own filings, by tense

Headline grade

3.6/10

◀ Past4.625% of the headline

● Present3.245% of the headline

▶ Future3.630% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 7 read as filed from the record and 2 are SI estimates, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

4.6/1025% of the headline grade · 2 of 3 filed, 1 estimated

Surviving crises

as filed

7.3/10

Has it survived what it has been through?

No warning events in its filings since 2023.

weight 45% of this tense · 73rd percentile among 30 sector filers · read for itself

From the record

Cheche Group Inc.'s filings since 2023 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed

2.8/10

What has it actually done, year after year?

+14.8% a year over 5 filed years; profitable in 0 of 5.

weight 33% of this tense · 28th percentile among 29 sector filers · read for its customers

From the record

Cheche Group Inc.'s 5 filed years say what it did: revenue went from CNY 1.7 billion in fiscal 2021 to CNY 3.0 billion in fiscal 2025, up 14.8% a year; it rose in 3 of 4 years; the deepest fall was 13% from fiscal 2024 to fiscal 2025; net income was positive in 0 of 5 of those years (its annual reports).

What it rests on

revenue growth over the filed span14.8%top 50% of its family
the share of years revenue rosebottom 28% of its family
the share of filed years with a profitbottom 5% of its family
the deepest fall from a revenue peak13.3%bottom 29% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

SI estimate

1.9/10

How has it treated the people who own it?

SI estimate 1.9/10, confidence 35 of 100 (one part).

weight 22% of this tense · 19th percentile among 29 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: Read from one part only, the share count over the years, which ranks in the bottom 19% of 29 in its family; fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income.
What the record cannot read: Fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income.
How it was reasoned: one part: the share count over the years, the one part on file, ranked among 29 in its family.
Confidence: 35 of 100
What would change it: A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Cheche Group Inc.'s shareholder treatment is put at 1.9 of 10 with a confidence of 35 of 100, because read from one part only, the share count over the years, which ranks in the bottom 19% of 29 in its family; fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income. A filing that carries the missing parts replaces this estimate with the filed reading.

● Present

What are they doing right now?

3.2/1045% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed

2.7/10

Is it financially healthy right now?

ROE -5%: lost 5¢ per shareholder dollar. Leverage 76%: owes 76¢ per asset dollar.

weight 33% of this tense · 27th percentile among 30 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Cheche Group Inc. lost about 5 cents for every dollar of shareholders' money, and gross profitability: its products earned about 11 cents per dollar of everything the company owns. Leverage: it owed about 76 cents per dollar of assets, and net share issuance: its share count grew 5.8% over the year (the filed statements).

What it rests on

what it owes per dollar of assetsbottom 45% of its family
return on equitybottom 22% of its family
gross profit against assetsbottom 4% of its family
the share count against the year beforebottom 35% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed

2.7/10

How strong is its position in its industry?

bottom 27% of 30 in its family; net margin -0.6%.

weight 45% of this tense · 27th percentile among 30 sector filers · read for its customers

From the record

Cheche Group Inc.'s standing among 30 graded names in its industry family: revenue of CNY 3.0 billion in fiscal 2025 is not ranked by size, since the family reports in another currency; a net margin of -0.6% ranks in the bottom 28%; revenue growth of 4% a year over the last 3 filed years ranks in the bottom 25% (its annual reports).

What it rests on

net margin-0.6%bottom 28% of its family
three-year revenue growth4.0%bottom 25% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate

4.9/10

What are the people in charge doing?

SI estimate 4.9/10, confidence 20 of 100 (family median).

weight 22% of this tense · 50th percentile among 24 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-16 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge, so the desk assumes the typical reading of its industry family, the median of 24 members with one.
What the record cannot read: It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-16 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge.
How it was reasoned: family median, 24 readings behind it.
Confidence: 20 of 100
What would change it: Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Cheche Group Inc.'s leadership is put at 4.9 of 10 with a confidence of 20 of 100, because it files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-16 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge, so the desk assumes the typical reading of its industry family, the median of 24 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

3.6/1030% of the headline grade · 3 of 3 filed

Room to expand

as filed

3.1/10

How much room does it have to grow?

bottom 31% of 29 in its family for room to expand.

weight 33% of this tense · 31st percentile among 29 sector filers · read for itself

From the record

Cheche Group Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of CNY 171 million against debt of CNY 10 million leaves 10.9% of its assets as net cash, top 33% of its family; cash from operations less capital spending is -1.3% of revenue (bottom 25%); a gross margin of 5.3% (bottom 12%); research spending of 1.2% of revenue (bottom 21%) (its annual report).

What it rests on

cash less debt against assets10.9%top 33% of its family
cash from operations less capital spending against revenue-1.3%bottom 25% of its family
gross margin5.3%bottom 12% of its family
research spending against revenue1.2%bottom 21% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed

2.3/10

What could actually drive growth from here?

bottom 23% of 29 in its family for growth drivers.

weight 33% of this tense · 23rd percentile among 29 sector filers · read for its customers

From the record

Cheche Group Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 4% a year over the last three filed years against 14.8% over all 5, slowing (bottom 19% of its family); the newest year grew -13.3% (bottom 5%); research spending grew -9.3% a year (top 44%); capital spending grew -60.7% a year (bottom 11%) (its annual reports). Cheche Group Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

three-year growth against the whole span-10.8 points a yearbottom 19% of its family
the newest year's revenue growth-13.3%bottom 5% of its family
three-year growth of research spending-9.3%top 44% of its family
three-year growth of capital spending-60.7%bottom 11% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed

5.3/10

Did its newest year beat what its own record pointed to?

top 47% of 25 in its family for expectations against reality.

weight 33% of this tense · 53rd percentile among 25 sector filers · read for its shareholders

From the record

Cheche Group Inc.'s newest year against its own record: revenue of CNY 3.0 billion in fiscal 2025 came in 23.9% below the CNY 4.0 billion its prior three years' pace pointed to (bottom 10% of its family); net income of CNY 18 million against a prior three-year average of CNY 104 million (top 26%); a net margin of -0.6% against -3.3% before (top 26%) (its annual reports).

What it rests on

revenue against the prior three years' pace-23.9%bottom 10% of its family
net income against the prior three years' average+83%top 26% of its family
net margin against its prior average+2.7 pointstop 26% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton CCG · research, not advice