CCG (Cheche Group) Degree of Financial Leverage : 0.97 (As of Dec. 2025)


CCG Cheche Group Inc CCG
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What is Cheche Group Degree of Financial Leverage?

Cheche Group CCG -11.54% 10 Degree of Financial Leverage is 0.97 as of Dec. 2025. GuruFocus rates CCG with a GF Score™ of 10/100. The stock has 6 warning signs investors should review. Among 542 Interactive Media companies, Cheche Group ranks worse than 54.06% on this metric.

Degree of Financial Leverage (DFL) measures the percentage change in EPS for a unit change in Earnings Before Interest and Taxes (EBIT). Cheche Group's Degree of Financial Leverage for the quarter that ended in Dec. 2025 was 0.97. The higher Degree of Financial Leverage, the more volatile earnings will be.

The industry rank for Cheche Group's Degree of Financial Leverage or its related term are showing as below:

CCG's Degree of Financial Leverage is ranked worse than
54.06% of 542 companies
in the Interactive Media industry
Industry Median: 0.93 vs CCG: 0.97

Cheche Group  (NAS:CCG) Degree of Financial Leverage Explanation

Degree of Financial Leverage (DFL) is a leverage ratio that measures the sensitivity of a company’s Earnings per Share (EPS) to fluctuations in its operating income, also referred to as Earnings Before Interest and Taxes (EBIT), resulting from adjustments in its capital structure. DFL is an essential tool for companies to assess the appropriate level of debt or financial leverage in their capital structure. When EBIT remains relatively stable, it results in stable earnings and earnings per share. In such cases, the company may consider taking on substantial debt. However, for companies operating in industries with significant fluctuations in EBIT, it is advisable to keep debt at a manageable level.

The higher Degree of Financial Leverage, the more volatile earnings will be. Because interest is a fixed expense, leverage can amplify earnings and EPS. This is beneficial when EBIT is growing, but it can become problematic in tough economic conditions when EBIT is under pressure.

Be Aware

The use of financial leverage varies across different industries and business sectors, and the application of Degree of Financial Leverage (DFL) should be adjusted accordingly.


Cheche Group Degree of Financial Leverage Related Terms


Cheche Group Degree of Financial Leverage Historical Data

* Premium members only.

The historical data trend for Cheche Group's Degree of Financial Leverage 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.

Cheche Group Degree of Financial Leverage Chart

Cheche Group Annual Data
Trend Dec21 Dec22 Dec23 Dec24 Dec25
Degree of Financial Leverage
0.00 -10.94 6.16 1.54 0.97

Cheche Group Semi-Annual Data
Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Degree of Financial Leverage Get a 7-Day Free Trial Premium Member Only Premium Member Only 6.16 9.14 1.54 1.25 0.97

CCG vs SOGP, SJ, MNY: Degree of Financial Leverage Comparison

For the Internet Content & Information subindustry, Cheche Group's Degree of Financial Leverage, along with its competitors' market caps and Degree of Financial Leverage 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 Degree of Financial Leverage vs Interactive Media Industry

For the Interactive Media industry and Communication Services sector, Cheche Group's Degree of Financial Leverage distribution charts can be found below:

* The bar in red indicates where Cheche Group's Degree of Financial Leverage falls into.


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Cheche Group Degree of Financial Leverage Calculation

Cheche Group's Degree of Financial Leverage for the quarter that ended in Dec. 2025 is calculated as:

Degree of Financial Leverage=% Change in Earnings per Share (Diluted)**/% Change in EBIT
=( -0.031 (Dec. 2025) / -0.107 (Dec. 2024) - 1 )/( -2.26 (Dec. 2025) / -8.336 (Dec. 2024) - 1 )
=-0.7103/-0.7289
=0.97***

* 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.

** TTM data of EPS and EBIT was used to calculate Degree of Financial Leverage.
*** Please be aware that the Degree of Financial Leverage calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.

What does a Degree of Financial Leverage of 0.97 mean?
Cheche Group (CCG) has a Degree of Financial Leverage of 0.97 as of Dec. 2025. Degree of Financial Leverage (DFL) measures the percentage change in EPS for a unit change in EBIT. View historical data for Cheche Group and its competitors. According to the industry distribution chart, Cheche Group ranks #293 out of 542 companies in the Interactive Media industry, placing it in the top 54.1%.
Is Cheche Group's Degree of Financial Leverage too high?
Cheche Group's current Degree of Financial Leverage is 0.97. The Interactive Media industry median Degree of Financial Leverage is 0.93. Cheche Group's value of 0.97 is 4.3% above this industry median. Based on the distribution chart, Cheche Group ranks #293 out of 542 companies in the Interactive Media industry, which is below the industry midpoint. 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 Degree of Financial Leverage compare to SOGP and SJ?
According to the Interactive Media industry distribution chart, Cheche Group ranks #293 out of 542 companies for Degree of Financial Leverage. This places Cheche Group in the lower half of its industry. The industry median Degree of Financial Leverage is 0.93. Cheche Group's value of 0.97 is 4.3% 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 Degree of Financial Leverage for an Interactive Media company?
The median Degree of Financial Leverage among Interactive Media companies is 0.93, based on 542 companies in the industry. Companies in the top quartile (top 25%) have a Degree of Financial Leverage significantly above this median, while those in the bottom quartile fall well below. However, Degree of Financial Leverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cheche Group's current Degree of Financial Leverage of 0.97 is 4.3% 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 Degree of Financial Leverage mean?
A high Degree of Financial Leverage can signal that a stock is expensive relative to its fundamentals. Degree of Financial Leverage (DFL) measures the percentage change in EPS for a unit change in EBIT. View historical data for Cheche Group and its competitors. For the Interactive Media industry, the median Degree of Financial Leverage is 0.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cheche Group's current Degree of Financial Leverage is 0.97. 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 Degree of Financial Leverage of 0.97. The current Degree of Financial Leverage is 0.97 and 4.3% above the Interactive Media industry median of 0.93. 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 Degree of Financial Leverage calculated?
Degree of Financial Leverage is calculated from a company's financial statements. For Cheche Group (CCG), the current Degree of Financial Leverage is 0.97 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 Business Description

Address 13-1 Deshengmenwai Avenue, 8th Floor, Desheng Hopson Fortune Plaza, Xicheng, Beijing, CHN, 100088
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.
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