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CCG · Nasdaq · United States · Insurance Agents, Brokers & Service
In shortCheche Group Inc. is loss-making.
Financial health
Mixed
Built from five areas over the last five annual reports. Tap an area to see the figures behind it. Bank or insurer: tests that do not apply to them are left out.
| Operating marginShare of each sale left after running the business, before interest and tax. | -0.7% | 14/100 |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | -0.6% | 18/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | -5.0% | 0/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | -1.3% | n/a |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | – | n/a |
| Years with positive free cash flow (last 5) | 0 of 5 | n/a |
Weight in the score: 20%
| Profitable years (last 5) | 0 of 5 | 0/100 |
|---|---|---|
| Years of revenue decline (last 5) | 1 of 4 | 58/100 |
| Revenue growth volatility | 28.8% | 4/100 |
| Operating margin volatility | 3.2% | 80/100 |
Weight in the score: 20%
| Revenue growth, 3-year average | 4.0% | 39/100 |
|---|---|---|
| EPS growth, 3-year average | – | n/a |
Weight in the score: 10%
Fiscal year 2025 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
The last 5 fiscal years from the company's annual reports.
CNY millions; negative values in parentheses.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | 1,735 | 2,679 | 3,301 | 3,473 | 3,010 |
| Cost of revenue | 1,655 | 2,537 | 3,161 | 3,314 | 2,849 |
| Gross profit | 81 | 142 | 140 | 159 | 160 |
| Research & development | 47 | 50 | 57 | 38 | 37 |
| Operating income | (156) | (116) | (168) | (67) | (21) |
| Interest expense | 6.5 | 3.3 | 1.4 | 0.8 | 2.3 |
| Pre-tax income | (147) | (92) | (160) | (62) | (18) |
| Income tax | (0.5) | (0.5) | (0.4) | (0.3) | (0.4) |
| Net income | (146) | (91) | (160) | (61) | (18) |
| Diluted EPS | −¥1.33 | −¥8.79 | −¥20.30 | −¥0.78 | −¥0.22 |
| Diluted shares (millions) | 34 | 32 | 45 | 78 | 83 |
Not computed: the model does not apply to banks and insurers.
2/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Dec 31, 2025 · Data updated Apr 27, 2026