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Cheche Group (CCG) investor relations material
Cheche Group H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary28 Aug, 2025
Executive summary
Partnerships with 15 NEV companies drove 810,000 embedded policies and RMB2.6 billion in written premiums, up 135.5% and 150.6% year-over-year, now representing 22.5% of total written premiums.
Net loss improved 53.4% year-over-year to RMB25.6 million; adjusted net loss improved 56.9% to RMB10.5 million.
Gross profit increased 1.7% to RMB65.8 million, with gross margin improvement due to higher NEV premium mix and operational efficiency.
Launched AI-driven insurance tools and fintech solutions for automakers, targeting international expansion starting Q4 2025.
Positioned as the largest digital auto insurance platform in China, with strong NEV partnerships and a roadmap for global growth.
Financial highlights
Total written premiums for H1 2025 increased 4% to RMB11.5 billion; policies issued rose to 8.3 million.
Net revenues for H1 2025 were RMB1,348.7 million, down 17.7% year-over-year due to a higher NEV premium mix with lower service fee rates.
Gross profit was RMB65.8 million, nearly flat year-over-year, with margin improvement offsetting lower revenues.
Net loss per share improved to RMB0.31 (basic/diluted); adjusted net loss per share improved to RMB0.13.
Cash, cash equivalents, and short-term investments totaled RMB167.2 million as of June 30, 2025.
Outlook and guidance
Revised full-year 2025 net revenue guidance to RMB3.0–3.3 billion, down from RMB3.6–3.8 billion, reflecting business structure changes.
Affirmed total written premiums guidance of RMB25.5–27.0 billion and NEV written premiums of RMB7.0–8.0 billion.
Adjusted operating results expected to shift from loss to profit for the full year.
Targeting 30–40% NEV market share in 3–5 years, up from current 10%; NEV business projected to account for 50–70% of total business in 3–5 years.
Impact of NEV mix shift on net revenue guidance?
Expected revenue from new AI solutions (3-5 years)?
How will global expansion validate NEV pricing models?
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Next Cheche Group earnings date
H2 202512 Mar, 2026
Next Cheche Group earnings date
H2 202512 Mar, 2026
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Frequently asked questions
Cheche Group Inc. (CCG) operates a technology-driven platform focused on auto insurance in China. Founded in 2014, the company aims to digitalize and enhance the transparency, accessibility, and efficiency of the insurance purchase process. Cheche Group provides a variety of digital insurance transaction services, including products like Easy-Insur, an auto insurance transaction platform, and Sky Frontier, an AI-based business intelligence platform. Additionally, the company offers non-auto insurance products and services, such as property and casualty insurance, along with cloud-based SaaS solutions for insurance intermediaries. The company's services cater to insurance carriers, intermediaries, third-party platforms, referral partners, and consumers. The company is headquartered in Beijing, China, and its shares are listed on the NASDAQ.
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