Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Cheche GroupCCG -5.23%10 Debt-to-EBITDA is 3.74 as of Dec. 2025. GuruFocus rates CCG with a GF Score™ of 10/100. The stock has 6 warning signs investors should review. Among 302 Interactive Media companies, Cheche Group ranks worse than 331125.5% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Cheche Group's Debt-to-EBITDA or its related term are showing as below:
CCG'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -13.03 Med: -0.29 Max: -0.18
Current: -13.03
During the past 5 years, the highest Debt-to-EBITDA Ratio of Cheche Group was -0.18. The lowest was -13.03. And the median was -0.29.
CCG's Debt-to-EBITDA is ranked worse than 100% of 302
companies
in the Interactive Media industry
Industry Median: 0.66
vs CCG: -13.03
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Cheche Group Debt-to-EBITDA Related Terms
Cheche Group Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Cheche Group's Debt-to-EBITDA can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Internet Content & Information subindustry, Cheche Group's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Cheche Group Debt-to-EBITDA vs Interactive Media Industry
For the Interactive Media industry and Communication Services sector, Cheche Group's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Cheche Group's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is two times the quarterly (Dec. 2025) EBITDA data.
Cheche Group (CCG) has a Debt-to-EBITDA of 3.74 as of Dec. 2025. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Cheche Group. According to the industry distribution chart, Cheche Group ranks #999999 out of 302 companies in the Interactive Media industry.
Is Cheche Group's Debt-to-EBITDA too high?
Cheche Group's current Debt-to-EBITDA is 3.74. The Interactive Media industry median Debt-to-EBITDA is 0.66. Cheche Group's value of 3.74 is 466.7% above this industry median. Based on the distribution chart, Cheche Group ranks #999999 out of 302 companies in the Interactive Media industry, which is in the bottom quartile relative to peers. Overall, Cheche Group has a GF Score™ of 10/100, reflecting its overall financial health beyond just this single metric.
How does Cheche Group's Debt-to-EBITDA compare to GIFT and SJ?
According to the Interactive Media industry distribution chart, Cheche Group ranks #999999 out of 302 companies for Debt-to-EBITDA. This places Cheche Group in the lower half of its industry. The industry median Debt-to-EBITDA is 0.66. Cheche Group's value of 3.74 is 466.7% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for an Interactive Media company?
The median Debt-to-EBITDA among Interactive Media companies is 0.66, based on 302 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cheche Group's current Debt-to-EBITDA of 3.74 is 466.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Cheche Group. For the Interactive Media industry, the median Debt-to-EBITDA is 0.66 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cheche Group's current Debt-to-EBITDA is 3.74. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Cheche Group stock overvalued right now?
Cheche Group (CCG) has a current Debt-to-EBITDA of 3.74. The current Debt-to-EBITDA is 3.74 and 466.7% above the Interactive Media industry median of 0.66. Cheche Group's overall GF Score™ is 10/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Cheche Group (CCG), the current Debt-to-EBITDA is 3.74 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Cheche Group Inc is engaged in the operation of providing insurance transaction services, Software-as-a-Service (SaaS) services, and other services in China. It is China's independent technology-empowered platform for auto insurance transaction services by digital auto insurance transaction premiums and insurance technology companies. The company has reshaped the traditional auto insurance distribution and services value chain to create a digital platform by improving operational efficiencies, reducing transaction costs, and expanding distribution channels. Its business scope ranges from digital insurance transactions, SaaS platforms for insurance intermediaries, AI-driven insurance pricing and underwriting services, auto insurance services for new energy vehicle (NEV) manufacturers, etc.
10GF Score
Get the complete analysis for CCG
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CCG has been successfully added to your 
