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Thu, April 2, 2026 astatine 9:07 AM CDT 8 min read
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Profitability inflection: Cheche reported full‑year adjusted nett income of RMB 11.6 cardinal successful 2025 (versus an adjusted nonaccomplishment of RMB 24.8 cardinal a twelvemonth earlier) and delivered affirmative H2 nett income portion cutting operating expenses astir 19% year‑over‑year.
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NEV premix drove maturation but pressured revenues: New‑energy conveyance premiums roseate to astir 23% of written premiums (from ~13%), with 2.0 cardinal NEV‑embedded policies successful 2025 fueling premium and argumentation growth, yet little work interest rates from the NEV premix led to a ~13% diminution successful nett revenues contempt humble gross‑profit expansion.
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AI strategy, partnerships and guidance: Management is expanding AI pricing, anti‑fraud and AI‑agent tools crossed 16 OEM partnerships and planetary markets, and guided 2026 to nett revenues of RMB 3.0–3.2 billion, written premiums of RMB 28–30 billion, NEV premiums of RMB 10.5–12.0 billion, and a projected multi‑fold summation successful adjusted nett income.
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Cheche Group (NASDAQ:CCG) reported second-half and full-year 2025 results that absorption said marked a turning constituent successful the company’s modulation “from a transactional security level to an AI-powered intelligent security ecosystem,” according to Founder, Chairman, and CEO Lei Zhang.
Zhang told investors that Cheche achieved adjusted operating profitability for full-year 2025 and posted affirmative nett income successful the 2nd half. Adjusted nett income for the twelvemonth was RMB 11.6 cardinal ($1.7 million), compared with an adjusted nett nonaccomplishment of RMB 24.8 cardinal successful the anterior year—“a plaything of much than RMB 35 million,” helium said.
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CFO Wenting Ji said nett income successful the 2nd fractional of 2025 was RMB 7.8 cardinal ($1.1 million), compared with a nett nonaccomplishment of RMB 6.4 cardinal a twelvemonth earlier. For the afloat year, Cheche’s nett nonaccomplishment narrowed to RMB 17.8 million, improving 71.0% from RMB 61.2 cardinal successful the anterior year. On an adjusted basis, Cheche recorded full-year adjusted nett income of RMB 11.6 million, versus an adjusted nett nonaccomplishment of RMB 24.8 million, which Ji said was “the archetypal afloat twelvemonth adjusted profitability successful Cheche's past arsenic a nationalist company.”
Management attributed overmuch of the modulation dynamics to the rising stock of caller vigor conveyance (NEV) security wrong the company’s mix. Zhang said NEV premiums present correspond 23% of full written premiums for the year, up from 13% successful the anterior year, noting that NEV premiums transportation little work interest rates but higher gross borderline characteristics. Ji quantified NEV premiums arsenic 23.4% of full written premium placed for full-year 2025, rising from 13.6% successful the anterior year.
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