Cheche Group Inc. Class A Ordinary Shares (CCG) Fair Value & Analysis

Communication Services · US · Market cap $32.9M · ISIN KYG207071088

What is Cheche Group Inc. Class A Ordinary Shares really worth?

What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

What matters now

• The price sits above even our optimistic bull case ($3.45). The favourable scenario is already priced in.
• Weak quality (43/100) and above fair value at the same time, the margin of safety is missing on both counts.
• The model range is unusually wide ($0.9400 to $3.45). The outcome hinges heavily on assumptions, so read the point estimate with caution.
• The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.

How to read this chart

60‑month range $11.71 – $2,625 · fair‑value band $0.9400 – $3.45 · the $16.02 price screens above the $2.06 fair value. Dashed = 300-day average. As of Aug 13, 2026.

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Analysis

Cheche Group Inc. Class A Ordinary Shares (CCG) currently trades at $16.02, while our model-based Fair Value estimate is $2.06, implying the stock looks roughly 677.6% overvalued today. The Quality Score stands at 43/100 (below-average quality), in the Communication Services sector. Bull case: the Dividend Discount group reads highest at a median of $7.33 per share, and 0 of the 3 models we run sit above the $16.02 price. Bear case: the Asset-Based group reads lowest at $3.70, and 3 of the 3 models stay below the price. Evidence for this calculation is low.

Over the trailing twelve months, Cheche Group Inc. Class A Ordinary Shares generated revenue of $3.0B at a net margin of −0.6%. Revenue declined 15.6% year over year. It earns a return on equity of −5.0%. The balance sheet holds a net cash position of $53.7M. Fundamentals as of Aug 13, 2026

Our scenario range runs from $0.9400 (bear case) to $3.45 (bull case); at $16.02, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. For context, the median of 10 Communication Services peers we cover trades at −6% fair-value upside, at −87%, CCG screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.

Widest divergence: Dividend Discount ($7.33) versus Asset-Based ($3.70). Highest evidence: Gordon GGM (68).

Key figures & financial health

Quality Score breakdown

About the company

Cheche Group Inc. provides auto insurance transaction services. The company offers digital insurance transaction products, such as Easy-Insur, which provides a range of auto and non-auto insurance products underwritten by insurance carriers, and the New Energy Vehicle (NEV) Insurance Solution, which assists NEV manufacturers in building a full-stack digital …

Full company description

Cheche Group Inc. provides auto insurance transaction services. The company offers digital insurance transaction products, such as Easy-Insur, which provides a range of auto and non-auto insurance products underwritten by insurance carriers, and the New Energy Vehicle (NEV) Insurance Solution, which assists NEV manufacturers in building a full-stack digital insurance service system comprising 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, including 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.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Cheche Group Inc. Class A Ordinary Shares reported revenue of 3.0B CNY in FY2025 versus 1.7B CNY in FY2021, a compound +14.8%/yr. Reported net income was −17.8M CNY in FY2025.

CCG screens 678% overvalued. Compare with Alphabet Inc →

Peer Group

Internet Content & Information · 154 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Valuation Multiples vs Internet Content & Information median · lower = cheaper

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

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