Achieved first full-year adjusted net profitability, marking an evolution from a transactional platform to an AI-powered intelligent insurance ecosystem.

Managed a significant structural shift as New Energy Vehicle (NEV) premiums grew to 23% of the total mix, up from 13% in the prior year.

Navigated revenue headwinds caused by lower service fee rates on NEV policies by leveraging AI tools to capture higher take rates and command premium pricing.

Reduced total operating expenses by over 19% year-over-year through disciplined cost management while simultaneously increasing total policies by 3 million.

Deployed AI-driven anti-fraud and risk control models to help insurers identify fraud early and price risk more precisely, particularly in the renewal market.

Transitioned OEM strategy from acquiring new partners to deepening existing relationships with 16 manufacturers, including Volkswagen and Huawei.

Utilized Large Language Models (LLMs) to accelerate product development cycles and expand capabilities without proportional increases in headcount.

Anticipates 2026 net revenues between RMB 3.0 billion and RMB 3.2 billion, with adjusted net income expected to multiply several fold compared to 2025.

Projects NEV written premiums to reach a range of RMB 10.5 billion to RMB 12.0 billion, representing significant year-over-year growth.

Plans to transition the industry from static pricing to dynamic risk management by integrating driving behavior data across the full auto insurance value chain.

Intends to scale car owner engagement through AI agents to provide real-time, cost-efficient renewal outreach compared to traditional methods.

Focuses international expansion on supporting Chinese automakers in Asia Pacific, Latin America, and the Middle East as they export over 8 million vehicles annually.

Reported a swing of more than RMB 35 million in adjusted net income, moving from a loss in the prior year to a profit of RMB 11.6 million.

NEV embedded policies grew 85.3% for the full year, reflecting the rapid adoption of intelligent connected vehicles in China.

The partnership with Volkswagen highlights the company's ability to serve both domestic Chinese champions and global automakers.

Maintained a cash and short-term investment position of RMB 170.8 million as of year-end 2025 to support ongoing strategic initiatives.

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Management attributes growth to the integration of AI across the entire workflow, from requirements analysis to delivery.

The company is leveraging driving behavior data to move toward dynamic risk management, which strengthens their long-term competitive moat.

Cheche is following Chinese automakers like BYD, Chery, and Great Wall Motor into markets such as Australia, the Middle East, and Latin America.

The 'China solution' involves exporting mature digital insurance infrastructure to help partners build financial ecosystems abroad.

AI is being used to reduce operating costs by automating development testing and improving the stability of software outcomes.

Management noted that AI tools allow for a capability roadmap expansion without a corresponding increase in spending.

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