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On November 26th, according to the unaudited financial performance report for the third quarter of 2024 released by Cheche Technology, the company's net operating income reached 850 million yuan, a year-on-year increase of 3.3%; The net profit is 4.1 million yuan, and the adjusted net profit is 2.6 million yuan. This also means that CarCar Technology achieved profitability for the first time in the third quarter of this year, marking a strategic breakthrough in technological innovation and market expansion.
In terms of business performance, the total number of policies issued by CarCar Technology in the third quarter of this year reached 4.2 million, a year-on-year increase of 5%, and the total premium scale reached 5.9 billion yuan, a year-on-year increase of 4%. Among them, the performance of new energy vehicle insurance business is particularly outstanding, becoming a key driving force for the company's performance growth. In the third quarter, the number of new energy vehicle policies surged to 292000, a year-on-year increase of 149.6%. The premium for new energy vehicle insurance reached 880 million yuan, a significant increase of 121.6% year-on-year. This is already the third consecutive quarter in which CarTech has achieved double-digit growth in the number of new energy vehicle insurance policies and premiums.
The development strategy of car technology focuses on the deep integration of "insurance technology+scenarios". By independently developing a new energy insurance SaaS system, the core transaction system of car insurance is directly linked to car companies and insurance companies, breaking down barriers such as transaction systems, data, and compliance, providing car companies with full process new energy insurance service solutions such as new car insurance, one click renewal, and intelligent claims, reshaping the insurance application and claims ends.
Zhang Lei, CEO of Cheche Technology, stated that Cheche Technology has achieved profitability in accordance with both the Generally Accepted Accounting Principles (GAAP) and the Adjusted Non GAAP standards in the United States. With the rapid popularization of autonomous driving technology in China, CheChe Technology will continue to cooperate with new energy vehicle companies and insurance companies, using its own technology, data, and modeling capabilities to create new solutions, encourage car owners to drive safely, improve claims efficiency, prevent risk fraud, and achieve industry profitability, service transparency, and universal coverage of autonomous driving insurance in the popularization of autonomous driving technology.
Meanwhile, according to a research report by China Communications Bank International, the premium for new energy vehicle insurance in China is expected to reach nearly 500 billion yuan by 2030, accounting for 38% of the total vehicle insurance. CheChe Technology has also set its strategic goal of achieving a 20% -30% market share in the new energy vehicle insurance market by 2030.
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