Cheche Group Inc. · NASDAQ:CCG
Cheche — H2 2025 Earnings Presentation
22 slides from Cheche's earnings presentation, Apr 2, 2026
Slide 1: Cheche Group Second Half and Full Year 2025 Earnings Presentation
CHECHE GROUP Second Half and Full Year 2025 Earnings Presentation Technology Enables Better Lives
Slide 2: Safe Harbor Statement
SAFE HARBOR STATEMENT This presentation includes “forward-looking statements” within the meaning of the “safe harbor” provisions of the United States Private Securities Litigation Reform Act of 1995. Forward-looking statements may be identified by the use of words such as “estimate,” “plan,” “projec
Slide 3: Digital Transformation of Auto Insurance
Digital Transformation of Auto Insurance Intelligent Driving Intelligent Claims Insurance SaaS Systems Processing Insurance product End-to-end underwriting AI-driven intelligent innovation and claims solutions claims service CHECHE GROUP’S RISK MANAGEMENT EXPERTISE IN THE ERA OF INTELLIGENT DRIVING
Slide 4: Cheche at a Glance
CHECHE AT GLANCE LARGEST NATIONWIDE >60 Million Independent technology ~100 branches in 25 provinces, Vehicles Quoted3 platform for auto insurance autonomous regions, and services transactions1 & NEV municipalities embedded solutions provider2 ~$14 Billion ~100 >1.4 Million Cumulative written premiu
Slide 5: Cheche's Ecosystem
CHECHE’S ECOSYSTEM EV Makers NEV Insurance Solution Insurance Carriers New Policy Renewal Claims & Repair Value-added API Docks Services Claim Docks New Car Used Car Maintenance Repair Sales Sales Policy Management Auto Dealers Repair Stores Channel Management SaaS System for Auto Dealers and Repair
Slide 6: Transforming NEV Insurance
TRANSFORMING NEV INSURANCE BUILT ON DIGITALIZATION POWERED BY AI INNOVATION Data Multi- Integration Insurer Pool SaaS System Online Quotes Traditional Auto Management & Underwriting Insurance Intelligent Claims Embedded Intelligent Inspection Driving Behavior Interface Applications of Large AI Opera
Slide 7: Robust Growth of Global NEV Industry
ROBUST GROWTH OF GLOBAL NEV INDUSTRY In 2025, global NEV sales reached 23 million units, with China contributing about 16.5 million units, representing a significant 72% share, and the NEV penetration rate in new car sales in China has reached 47%. 2024中国新能源汽车 2025 NEV Penetration Rate China’s NEV s
Slide 8: NEV Insurance, New Growth Engine in Auto Insurance Market
NEV INSURANCE, NEW GROWTH ENGINE IN AUTO INSURANCE MARKET The rapid growth in the scale of the NEV market has driven a swift increase in demand for NEV insurance. In 2025, auto insurance premiums amounted to RMB 941 billion, representing 3.0% growth, with NEV insurance premiums growing around 35%. T
Slide 9: Leading Intelligent NEV Insurance Platform in China
LEADING INTELLIGENT NEV INSURANCE PLATFORM IN CHINA 16 Partnerships with Top NEV Companies SaaS System Quotes & Claims Ecosystem Compliance Platform Development Digitized Operation Management INTELLIGENT NEV INSURANCE PLATFORM Product Design AI Modelling Liability Product Rate Setting Dynamic Pricin
Slide 10: Cheche Critical Milestones
CHECHE CRITICAL MILESTONES New NEV Partnerships • Leading provider of NEV embedded solutions in the industry. • Cheche continues to capture market share with 16 partnerships as of December 31, 2025. • During the second half 2025, NEV partnerships led to 1.2 million policies with corresponding writte
Slide 11: H2 and 2025 Business Growth
H2 AND 2025 BUSINESS GROWTH Policy Transaction Volume Premium Transaction Scale (policies in millions) (RMB in billions) 12.0 15.5 9.3 13.3 H2'24 H2'25 H2'24 H2'25 20.3 27.0 24.3 17.3 2024 2025 2024 2025 11
Slide 12: H2 2025 Financial Summary
H2 2025 FINANCIAL SUMMARY Six Months Ended December 31, 2024 2025 2025 RMB RMB USD (in millions) Net Revenues 1,834.2 1,661.2 237.5 Gross Profit 94.1 94.6 13.5 Total Operating Expenses1 (103.4) (88.4) (12.6) Net (Loss) / Income (6.4) 7.8 1.1 Adjusted Operating (Loss) / Income2 (1.5) 18.5 2.6 Adjuste
Slide 13: 2025 Financial Summary
2025 FINANCIAL SUMMARY Year Ended December 31, 2024 2025 2025 RMB RMB USD (in millions) Net Revenues 3,473.1 3,009.8 430.4 Gross Profit 158.8 160.4 22.9 Total Operating Expenses1 (225.3) (181.2) (25.9) Net Loss (61.2) (17.8) (2.5) Adjusted Operating (Loss) / Income2 (28.2) 5.6 0.8 Adjusted Net (Loss
Slide 14: 2026 Outlook
2026 OUTLOOK Net Revenues Range from RMB3.0 billion to RMB3.2 billion Total Written Premiums Placed Range from RMB28.0 billion to RMB30.0 billion NEV Written Premiums Placed Range from RMB10.5 billion to RMB12.0 billion Adjusted Net Income Multiplying several folds compared to the full year of 2025
Slide 15: Strategic Growth Pillars
STRATEGIC GROWTH PILLARS Investing in technology Deepening relationships with partners Expanding into new verticals AI-driven intelligent insurance tool Fintech solution for automakers abroad 15 15
Slide 16: Appendix
PPENDIX re
Slide 17: Unaudited Condensed Consolidated Balance Sheets
Unaudited Condensed Consolidated Balance Sheets (All amounts in thousands, except for share and per share data) December 31, December 31, December 31, December 31, December 31, December 31, 2024 2025 2025 2024 2025 2025 RMB RMB USD RMB RMB USD ASSETS Non-current liabilities: Current assets: Amounts
Slide 18: Unaudited Condensed Consolidated Statements of Operations and Comprehensive Loss
Unaudited Condensed Consolidated Statements of Operations and Comprehensive Loss (All amounts in thousands, except for share and per share amounts) For the Six Months Ended For the Year Ended December 31, December 31, December 31, December 31, December 31, December 31, 2024 2025 2025 2024 2025 2025
Slide 19: Non-GAAP Financial Measures
NON-GAAP FINANCIAL MEASURES Cheche has provided non-GAAP financial measures in this presentation that have not been prepared in accordance with generally accepted accounting principles (GAAP) in the United States. Cheche uses adjusted selling and marketing expenses, adjusted general and administrati
Slide 20: Reconciliation of GAAP Operating Expenses to Non-GAAP Operating Expenses
Reconciliation of GAAP Operating Expenses to Non-GAAP Operating Expenses (Unaudited) (All amounts in thousands) For the Six Months Ended For the Year Ended December 31, December 31, December 31, December 31, December 31, December 31, 2024 2025 2025 2024 2025 2025 RMB RMB USD RMB RMB USD Selling and
Slide 21: Reconciliation of GAAP to Non-GAAP Measures
Reconciliation of GAAP to Non-GAAP Measures (Unaudited) (All amounts in thousands, except for share data and per share data) For the Six Months Ended For the Year Ended December 31, December 31, December 31, December 31, December 31, December 31, 2024 2025 2025 2024 2025 2025 RMB RMB USD RMB RMB USD
Slide 22: Thank You
THANK YOU Technology Enables Better Lives NASDAQ : CCG