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CHECHE GROUP INC (CCG) Stock Fundamental Analysis

NASDAQ:CCG - Nasdaq - KYG207071088 - Common Stock

0.89  +0.02 (+1.73%)

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to CCG. CCG was compared to 143 industry peers in the Insurance industry. While CCG seems to be doing ok healthwise, there are quite some concerns on its profitability. CCG is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year CCG has reported negative net income.
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

CCG has a worse Return On Assets (-103.11%) than 98.58% of its industry peers.
CCG has a Return On Equity of -243.73%. This is amonst the worse of the industry: CCG underperforms 97.16% 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

The Gross Margin of CCG (4.25%) is better than 86.52% 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.
CCG has more shares outstanding than it did 1 year ago.
CCG has a worse debt/assets ratio than last year.
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 0.71, we must say that CCG is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.71, CCG is in the better half of the industry, outperforming 76.60% of the companies in the same industry.
CCG has a Debt/Equity ratio of 0.05. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.05, CCG belongs to the top of the industry, outperforming 85.82% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF N/A
Altman-Z 0.71
ROIC/WACCN/A
WACC7.46%
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 89.36% of the companies in the same industry.
CCG has a Quick 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 Quick ratio, with a value of 1.56, CCG belongs to the top of the industry, outperforming 89.36% 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

The earnings per share for CCG have decreased strongly by -4834.74% in the last year.
EPS 1Y (TTM)-4834.74%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-349.84%
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 27.50% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 5.81% on average over the next years.
EPS Next Y94.14%
EPS Next 2Y40.4%
EPS Next 3Y27.5%
EPS Next 5YN/A
Revenue Next Year7.55%
Revenue Next 2Y4.35%
Revenue Next 3Y5.81%
Revenue Next 5YN/A

3.3 Evolution

CCG Yearly Revenue VS EstimatesCCG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 1B 2B 3B
CCG Yearly EPS VS EstimatesCCG Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 0 0.05 -0.05 0.1

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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.
Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for CCG. No positive earnings are expected for the next year.
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 -50 -100

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

A more expensive valuation may be justified as CCG's earnings are expected to grow with 27.50% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y40.4%
EPS Next 3Y27.5%

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0

5. Dividend

5.1 Amount

CCG does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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CHECHE GROUP INC

NASDAQ:CCG (1/22/2025, 11:27:05 AM)

0.89

+0.02 (+1.73%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-26 2024-11-26/bmo
Earnings (Next)N/A N/A
Inst Owners0.68%
Inst Owner Change0%
Ins OwnersN/A
Ins Owner Change0%
Market Cap69.29M
Analysts80
Price Target3.06 (243.82%)
Short Float %0.27%
Short Ratio0.21
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)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-86.21%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.15
P/FCF N/A
P/OCF N/A
P/B 1.33
P/tB 1.77
EV/EBITDA N/A
EPS(TTM)-1.67
EYN/A
EPS(NY)-0.01
Fwd EYN/A
FCF(TTM)-0.05
FCFYN/A
OCF(TTM)-0.05
OCFYN/A
SpS5.82
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 0.71
F-Score4
WACC7.46%
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)-4834.74%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-349.84%
EPS Next Y94.14%
EPS Next 2Y40.4%
EPS Next 3Y27.5%
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next Year7.55%
Revenue Next 2Y4.35%
Revenue Next 3Y5.81%
Revenue Next 5YN/A
EBIT growth 1Y-7662.03%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year76.28%
EBIT Next 3Y29.96%
EBIT Next 5YN/A
FCF growth 1Y-4895.55%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-4795.82%
OCF growth 3YN/A
OCF growth 5YN/A