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CHECHE GROUP INC (CCG) Stock Fundamental Analysis

NASDAQ:CCG - Nasdaq - KYG207071088 - Common Stock - Currency: USD

0.94  -0.08 (-7.84%)

After market: 0.95 +0.01 (+1.06%)

Fundamental Rating

2

Taking everything into account, CCG scores 2 out of 10 in our fundamental rating. CCG was compared to 143 industry peers in the Insurance industry. The financial health of CCG is average, but there are quite some concerns on its profitability. CCG has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

CCG had negative earnings in the past year.
In the past year CCG has reported a negative cash flow from operations.
In multiple years CCG reported negative net income over the last 5 years.
CCG had a negative operating cash flow in each of the past 5 years.
CCG Yearly Net Income VS EBIT VS OCF VS FCFCCG Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 0 -200M -400M -600M -800M

1.2 Ratios

With a Return On Assets value of -103.11%, CCG is not doing good in the industry: 98.60% of the companies in the same industry are doing better.
The Return On Equity of CCG (-243.73%) is worse than 95.10% of its industry peers.
Industry RankSector Rank
ROA -103.11%
ROE -243.73%
ROIC N/A
ROA(3y)-28.71%
ROA(5y)N/A
ROE(3y)-75.24%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
CCG Yearly ROA, ROE, ROICCCG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 0 -50 -100 -150 -200

1.3 Margins

CCG has a Gross Margin of 4.25%. This is amongst the best in the industry. CCG outperforms 85.31% of its industry peers.
CCG does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 4.25%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
CCG Yearly Profit, Operating, Gross MarginsCCG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 0 -10 -20

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4

2. Health

2.1 Basic Checks

CCG does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, CCG has more shares outstanding
The debt/assets ratio for CCG is higher compared to a year ago.
CCG Yearly Shares OutstandingCCG Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 20M 40M 60M
CCG Yearly Total Debt VS Total AssetsCCG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2020 2021 2022 2023 200M 400M 600M 800M

2.2 Solvency

Based on the Altman-Z score of 0.81, we must say that CCG is in the distress zone and has some risk of bankruptcy.
CCG has a better Altman-Z score (0.81) than 79.02% of its industry peers.
A Debt/Equity ratio of 0.05 indicates that CCG is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.05, CCG belongs to the top of the industry, outperforming 85.31% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF N/A
Altman-Z 0.81
ROIC/WACCN/A
WACC7.47%
CCG Yearly LT Debt VS Equity VS FCFCCG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2020 2021 2022 2023 0 100M 200M 300M

2.3 Liquidity

CCG has a Current Ratio of 1.56. This is a normal value and indicates that CCG is financially healthy and should not expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 1.56, CCG belongs to the top of the industry, outperforming 88.11% of the companies in the same industry.
A Quick Ratio of 1.56 indicates that CCG should not have too much problems paying its short term obligations.
With an excellent Quick ratio value of 1.56, CCG belongs to the best of the industry, outperforming 88.11% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.56
Quick Ratio 1.56
CCG Yearly Current Assets VS Current LiabilitesCCG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 200M 400M 600M

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2

3. Growth

3.1 Past

CCG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -4835.29%.
EPS 1Y (TTM)-4835.29%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-349.79%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A

3.2 Future

The Earnings Per Share is expected to grow by 26.67% on average over the next years. This is a very strong growth
Based on estimates for the next years, CCG will show a small growth in Revenue. The Revenue will grow by 5.83% on average per year.
EPS Next Y96.74%
EPS Next 2Y41.42%
EPS Next 3Y26.67%
EPS Next 5YN/A
Revenue Next Year7.75%
Revenue Next 2Y5.21%
Revenue Next 3Y5.83%
Revenue Next 5YN/A

3.3 Evolution

CCG Yearly Revenue VS EstimatesCCG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2023 2024 2025 2026 1B 2B 3B
CCG Yearly EPS VS EstimatesCCG Yearly EPS VS EstimatesYearly EPS VS Estimates 2024 2026 0 0.02 -0.02 0.04 -0.04

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1

4. Valuation

4.1 Price/Earnings Ratio

CCG reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
CCG Price Earnings VS Forward Price EarningsCCG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
CCG Per share dataCCG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4

4.3 Compensation for Growth

CCG's earnings are expected to grow with 26.67% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y41.42%
EPS Next 3Y26.67%

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0

5. Dividend

5.1 Amount

No dividends for CCG!.
Industry RankSector Rank
Dividend Yield N/A

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CHECHE GROUP INC

NASDAQ:CCG (4/22/2025, 8:00:01 PM)

After market: 0.95 +0.01 (+1.06%)

0.94

-0.08 (-7.84%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)03-28 2025-03-28/bmo
Earnings (Next)05-28 2025-05-28
Inst Owners1.12%
Inst Owner Change0%
Ins OwnersN/A
Ins Owner Change0%
Market Cap73.18M
Analysts80
Price Target3.06 (225.53%)
Short Float %1.03%
Short Ratio0.34
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)44.52%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.16
P/FCF N/A
P/OCF N/A
P/B 1.41
P/tB 1.87
EV/EBITDA N/A
EPS(TTM)-1.67
EYN/A
EPS(NY)0
Fwd EYN/A
FCF(TTM)-0.05
FCFYN/A
OCF(TTM)-0.05
OCFYN/A
SpS5.81
BVpS0.67
TBVpS0.5
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -103.11%
ROE -243.73%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 4.25%
FCFM N/A
ROA(3y)-28.71%
ROA(5y)N/A
ROE(3y)-75.24%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover3.69
Health
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 17.43%
Cap/Sales 0.02%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.56
Quick Ratio 1.56
Altman-Z 0.81
F-Score4
WACC7.47%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-4835.29%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-349.79%
EPS Next Y96.74%
EPS Next 2Y41.42%
EPS Next 3Y26.67%
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next Year7.75%
Revenue Next 2Y5.21%
Revenue Next 3Y5.83%
Revenue Next 5YN/A
EBIT growth 1Y-7661.89%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year76.24%
EBIT Next 3Y30.33%
EBIT Next 5YN/A
FCF growth 1Y-4895.28%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-4795.55%
OCF growth 3YN/A
OCF growth 5YN/A