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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
Achieved strong growth in NEV/AUV insurance, with policies up 135.5% and written premiums up 150.6% year-over-year, reaching RMB2.6 billion and 810,000 embedded policies in H1 2025.
NEV/AUV premiums now represent 22.5% of total written premiums, up from 9.3% last year, with improved gross margins and a 47% reduction in adjusted net loss.
Total written premiums placed increased 4% to RMB11.5 billion; policies issued rose to 8.3 million.
Launched AI-driven insurance tools and fintech solutions for automakers, targeting both domestic and international expansion.
Positioned as the largest independent technology platform for auto insurance services and NEV embedded solutions in China, aiming for 30%-40% of China's AUV market in 3-5 years.
Financial highlights
Net revenues for H1 2025 were RMB1,348.7 million, down 17.7% year-over-year due to a higher NEV/AUV premium mix with lower fee rates.
Gross profit increased 1.7% to RMB65.8 million, with gross margin improvement despite lower net revenues.
Net loss improved 53.4% year-over-year to RMB25.6 million; adjusted net loss improved 56.9% to RMB10.5 million.
Operating expenses decreased 23.9% to RMB92.8 million, with selling and marketing and G&A expenses down significantly.
Cash, cash equivalents, and short-term investments at RMB167.2 million as of June 30, 2025.
Outlook and guidance
2025 net revenue guidance revised to RMB3.0–3.3 billion, down from RMB3.6–3.8 billion, reflecting business structure changes.
Full-year written premiums guidance of RMB25.5–27.0 billion and NEV/AUV written premiums of RMB7.0–8.0 billion.
Adjusted operating results expected to shift from loss to profit in 2025.
NEV/AUV business projected to account for 50%-70% of total business in 3-5 years.
Overseas business and international fintech/AI solutions expected to be key growth engines starting 2026.
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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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