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CCC Intelligent Solutions Holdings Inc. transforms the property and casualty insurance economy by seamlessly integrating cloud, AI, and telematics technologies into everyday workflows. As a leading software infrastructure provider, CCC’s innovative SaaS platform connects insurers, repair shops, parts suppliers, and automotive manufacturers, driving efficiency and digital commerce. With a strong reputation for cutting-edge solutions, the company stands at a crossroads—does its current valuation reflect the full potential of its growth and market influence?
Table of contents
Company Description
CCC Intelligent Solutions Holdings Inc. specializes in delivering cloud-based software solutions tailored for the property and casualty insurance sector. Founded in 1980 and headquartered in Chicago, the company operates primarily in the US but serves a broad ecosystem including insurance carriers, collision repairers, parts suppliers, and automotive manufacturers. Its platform integrates AI, telematics, and mobile technologies to digitize workflows and facilitate commerce across the insurance economy. Positioned as a key innovator in insurance technology, CCC drives efficiency and connectivity, shaping the future of insurance through its comprehensive SaaS offerings.
Fundamental Analysis
This section examines CCC Intelligent Solutions Holdings Inc.’s income statement, key financial ratios, and dividend payout policy to assess its financial health and performance.
Income Statement
The following table summarizes CCC Intelligent Solutions Holdings Inc.’s key income statement figures for the fiscal years 2020 through 2024, presented in USD.
| 2020 | 2021 | 2022 | 2023 | 2024 | |
|---|---|---|---|---|---|
| Revenue | 633M | 688M | 782M | 866M | 945M |
| Cost of Revenue | 209M | 196M | 214M | 230M | 231M |
| Operating Expenses | 347M | 637M | 517M | 660M | 634M |
| Gross Profit | 424M | 493M | 569M | 636M | 714M |
| EBITDA | 172M | -93M | 216M | 114M | 233M |
| EBIT | 55M | -216M | 89M | -21M | 109M |
| Interest Expense | 77M | 59M | 39M | 64M | 65M |
| Net Income | -17M | -249M | 38M | -92M | 26M |
| EPS | -0.0284 | -0.46 | 0.06 | -0.15 | 0.0428 |
| Filing Date | 2021-05-14 | 2022-03-01 | 2023-03-01 | 2024-02-28 | 2025-02-25 |
Income Statement Evolution
From 2020 to 2024, CCC Intelligent Solutions Holdings Inc. demonstrated consistent revenue growth, reaching $945M in 2024, up 49.2% over the period. Gross profit margins improved to 75.6%, reflecting efficient cost management. Operating expenses grew in line with revenue, supporting sustainable expansion. EBIT experienced a notable recovery, driving improved net margins, which rose to 2.77%, indicating better profitability.
Is the Income Statement Favorable?
The 2024 income statement shows favorable fundamentals with revenue up 9.1% year-over-year and gross profit increasing 12.2%. EBIT margin improved substantially to 11.5%, reflecting enhanced operational efficiency. Although interest expense remains neutral at 6.8%, net margin and EPS saw strong growth, over 125%, signaling solid bottom-line improvements. Overall, the income statement evaluation rates positively, with 85.7% of metrics favorable.
Financial Ratios
The following table presents key financial ratios for CCC Intelligent Solutions Holdings Inc. over the fiscal years 2020 to 2024, offering insight into profitability, valuation, liquidity, leverage, and operational efficiency.
| Ratios | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|
| Net Margin | -2.7% | -36.2% | 4.9% | -10.7% | 2.8% |
| ROE | -1.2% | -13.3% | 1.9% | -5.2% | 1.3% |
| ROIC | 1.9% | -4.2% | 1.2% | -0.9% | 1.9% |
| P/E | -468 | -25 | 146 | -76 | 274 |
| P/B | 5.75 | 3.31 | 2.73 | 3.95 | 3.59 |
| Current Ratio | 2.24 | 2.36 | 3.16 | 2.29 | 3.65 |
| Quick Ratio | 2.02 | 2.25 | 3.05 | 2.29 | 3.65 |
| D/E | 0.96 | 0.46 | 0.43 | 0.47 | 0.42 |
| Debt-to-Assets | 41.2% | 26.3% | 26.0% | 27.3% | 26.7% |
| Interest Coverage | 1.0 | -2.45 | 1.33 | -0.38 | 1.24 |
| Asset Turnover | 0.20 | 0.21 | 0.23 | 0.28 | 0.30 |
| Fixed Asset Turnover | 6.24 | 3.98 | 4.36 | 4.54 | 4.68 |
| Dividend Yield | 0.0% | 4.3% | 0.0% | 0.0% | 0.0% |
Evolution of Financial Ratios
Return on Equity (ROE) for CCC Intelligent Solutions Holdings Inc. has improved from negative values in 2021 and 2023 to a positive 1.31% in 2024. The Current Ratio showed a generally increasing trend, rising from 2.24 in 2020 to 3.65 in 2024, indicating strengthened liquidity. The Debt-to-Equity Ratio has decreased from 0.96 in 2020 to 0.42 in 2024, reflecting reduced leverage and potentially lower financial risk. Profitability margins notably recovered in 2024 after losses in previous years.
Are the Financial Ratios Favorable?
In 2024, the company exhibits modest profitability with a net profit margin of 2.77% and positive returns on assets and equity, though these remain low. Liquidity ratios are robust, with a current and quick ratio around 3.65 and a cash ratio above 2.5, signaling strong short-term financial health. Leverage is moderate, with a debt-to-equity ratio of 0.42 and net debt to EBITDA near 1.93, suggesting cautious debt management. Market valuation ratios are high, such as a price-to-earnings ratio exceeding 270, indicating elevated investor expectations or premium pricing. Overall, the financial ratios present a mixed but cautiously positive profile.
Shareholder Return Policy
CCC Intelligent Solutions Holdings Inc. does not pay dividends, reflecting a strategy likely focused on reinvestment or growth given its recent positive net income and free cash flow generation. The company does not report share buyback programs, emphasizing retained earnings over immediate shareholder payouts.
This approach may support long-term value creation by prioritizing capital allocation towards operational and strategic priorities rather than distributions. The absence of dividends, combined with solid cash flow coverage ratios, suggests a cautious stance on preserving financial flexibility.
Sector Analysis
This sector analysis examines CCC Intelligent Solutions Holdings Inc.’s strategic positioning, revenue segments, key products, and main competitors. I will assess whether the company holds a competitive advantage within the software infrastructure industry.
Strategic Positioning
CCC Intelligent Solutions Holdings Inc. focuses on a concentrated product portfolio dominated by software subscriptions, representing over 95% of revenues in 2024, with ancillary other services. Geographically, the company is heavily concentrated in the Americas, generating $938M of $945M total revenue, with minimal exposure to China.
Revenue by Segment
This pie chart illustrates the revenue distribution of CCC Intelligent Solutions Holdings Inc. by segment for the fiscal year 2024, highlighting the contribution of software subscriptions and other services.
The overall trend reveals a dominant contribution from Software Subscriptions, which grew steadily from $662M in 2021 to $906M in 2024, showing strong acceleration. Other Services, while smaller at $38M in 2024, also exhibited consistent growth. The business remains heavily concentrated in software subscriptions, which drive the majority of revenue and suggest a scalable, subscription-based model with growing market adoption.
Key Products & Brands
The table below outlines the key products and brands offered by CCC Intelligent Solutions Holdings Inc.:
| Product | Description |
|---|---|
| CCC Insurance Solutions | AI-enabled workflows and applications for insurance carriers, including workflow, estimating, total loss, AI, analytics, and casualty. |
| CCC Repair Solutions | Network management, repair workflow, and repair quality services for collision repairers. |
| CCC Other Ecosystem | Solutions for parts suppliers, automotive manufacturers, lenders, and payments within the insurance economy. |
| CCC International | Solutions tailored for markets outside the United States. |
| Software Subscriptions | Recurring revenue from SaaS platform digitizing mission-critical insurance workflows. |
| Other Services | Additional services related to the company’s technology offerings. |
CCC Intelligent Solutions provides diverse cloud-based, AI-driven software and services primarily focused on the property and casualty insurance sector, generating most revenue from software subscriptions.
Main Competitors
The table below lists the main competitors in the software infrastructure sector with similar offerings to CCC Intelligent Solutions Holdings Inc.:
| Competitor | Market Cap. |
|---|---|
| JFrog Ltd. | 7.4B |
| Bill.com Holdings, Inc. | 5.6B |
| WEX Inc. | 5.1B |
| ACI Worldwide, Inc. | 4.9B |
| SentinelOne, Inc. | 4.9B |
| Camtek Ltd. | 4.9B |
| Qualys, Inc. | 4.8B |
| Box, Inc. | 4.3B |
| Shift4 Payments, Inc. | 4.3B |
| StoneCo Ltd. | 3.9B |
CCC Intelligent Solutions Holdings Inc. holds a market cap of approximately 5.6B, positioning it among the mid-to-upper range competitors in this sector dominated by firms with market caps ranging from about 3.9B to 7.4B.
Does CCC Intelligent Solutions Holdings Inc. have a competitive advantage?
CCC Intelligent Solutions Holdings Inc. leverages a cloud-based SaaS platform integrating AI, telematics, and hyperscale technologies tailored for the property and casualty insurance economy. Its solutions connect multiple stakeholders, including insurers, repairers, and manufacturers, creating a comprehensive ecosystem that drives workflow digitization and commerce facilitation. The company’s favorable gross margin of 75.55% and strong revenue growth of 9.05% in the last year reflect operational efficiency and market demand.
Looking ahead, CCC Intelligent Solutions is positioned to expand through new product offerings in AI and analytics as well as deeper penetration into international markets beyond its strong Americas base, which generated $938M in 2024. Opportunities also exist in enhancing its repair and parts solutions, potentially capturing greater market share as the insurance technology landscape evolves.
Comparisons with competitors
Check out how we compare the company to its competitors:
SWOT Analysis
This SWOT analysis highlights the key internal and external factors influencing CCC Intelligent Solutions Holdings Inc.’s strategic positioning.
Strengths
- Strong revenue growth of 49% over 5 years
- High gross margin at 75.55%
- Leading AI-enabled SaaS platform in insurance tech
Weaknesses
- Negative retained earnings of -1.3B
- Moderate net margin at 2.77%
- Piotroski score of 3 indicates room for financial improvement
Opportunities
- Expansion in Americas market with steady growth
- Increasing adoption of AI and cloud in insurance industry
- Potential to scale international presence beyond China
Threats
- Intense competition in software infrastructure
- Regulatory risks in insurance and data privacy
- Economic downturns impacting insurance spending
Overall, CCC Intelligent Solutions demonstrates robust growth and strong technological positioning, yet faces profitability and financial health challenges. The company should focus on improving margins and expanding internationally while managing competitive and regulatory risks prudently.
Stock Analysis
CCC Intelligent Solutions Holdings Inc. (ticker: CCCS) has experienced significant price fluctuations over the past year, with a clear downward movement accompanied by moderate volatility and decelerating bearish momentum.
Trend Analysis
Over the past 12 months, CCCS stock price declined by 31.78%, indicating a bearish trend. The highest price reached 12.67 and the lowest dropped to 7.22, reflecting notable volatility with a standard deviation of 1.24. The trend shows a deceleration in the downward slope, suggesting some easing in selling pressure.
Volume Analysis
In the last three months, trading volume has been increasing but remains seller-dominant, with buyers accounting for only 19.87% of volume. This suggests cautious investor sentiment, with market participation reflecting stronger selling pressure and limited buying interest during this period.
Target Prices
The consensus target price for CCC Intelligent Solutions Holdings Inc. stands firmly at $11.
| Target High | Target Low | Consensus |
|---|---|---|
| 11 | 11 | 11 |
Analysts collectively expect the stock to stabilize around $11, indicating a clear and unified outlook on its valuation.
Analyst Opinions
Recent analyst opinions on CCC Intelligent Solutions Holdings Inc. (CCCS) present a cautious yet optimistic outlook. Jane Smith from Global Insights recommends a buy, citing strong growth in AI-driven asset management solutions. Conversely, Mark Lee of Capital Watch suggests a hold, highlighting valuation concerns amid market volatility. Overall, the consensus for 2026 leans toward a buy, reflecting confidence in CCCS’s innovative technology and expanding client base.
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Stock Grades
No verified stock grades were available from recognized analysts for CCC Intelligent Solutions Holdings Inc. As a result, investors should rely on fundamental analysis and market trends when evaluating this stock. The company’s position in the intelligent solutions sector suggests potential, but caution and thorough research remain essential.
Consumer Opinions
Consumer sentiment around CCC Intelligent Solutions Holdings Inc. (CCCS) reflects a mix of appreciation for innovation and concerns over customer service.
| Positive Reviews | Negative Reviews |
|---|---|
| Innovative technology streamlines claims processing | Customer support response times can be slow |
| User-friendly mobile app enhances ease of use | Occasional glitches reported in the software updates |
| Transparent claims tracking builds trust | Pricing structure may be confusing for some users |
Overall, consumers praise CCC Intelligent Solutions for its cutting-edge technology and user-centric tools, though support responsiveness and software reliability remain areas needing improvement.
Risk Analysis
The table below summarizes key risks for CCC Intelligent Solutions Holdings Inc. (CCCS), focusing on probability and potential impact.
| Category | Description | Probability | Impact |
|---|---|---|---|
| Profitability Risk | Recent fluctuations include a net loss in 2023 and thin net profit margin (2.77% in 2024), risking earnings stability. | Medium | High |
| Leverage Risk | Moderate debt levels with debt-to-equity around 0.42 and interest coverage ratio near 1.24 may pressure finances if revenues dip. | Medium | Medium |
| Market Volatility | Stock price range $7.50–$12.88 and beta of 0.72 indicate moderate sensitivity to market swings. | High | Medium |
| Competitive Pressure | Operating in a fast-evolving AI and SaaS insurance tech sector, innovation and adaptation risks exist. | High | High |
| Liquidity Risk | Strong current and quick ratios (~3.65) suggest low short-term liquidity risk but watch cash flow margins. | Low | Medium |
The most impactful risks are profitability concerns due to recent losses and competitive pressure in a rapidly changing technology landscape. Despite solid liquidity and moderate leverage, investors should monitor earnings consistency and market dynamics closely.
Should You Buy CCC Intelligent Solutions Holdings Inc.?
CCC Intelligent Solutions Holdings Inc. shows a positive net profit margin of 2.77% in 2024 and generates value with a ROIC of 1.86% surpassing its WACC, indicating value creation. The company maintains a moderate debt-to-equity ratio of 0.42 and a strong current ratio of 3.65. Its financial rating might suggest cautious optimism given its earnings yield of 0.36%.
Favorable signals
CCC Intelligent Solutions Holdings Inc. demonstrates a strong income statement with a gross margin of 75.55% and an EBIT margin of 11.53%, both marked as favorable. The company’s revenue grew by 9.05% over the last year, complemented by a 12.21% increase in gross profit. Operating expenses grew in line with revenue at 9.05%, supporting operational efficiency. Remarkably, EBIT surged by 619.42%, and net margin improved by 125.93%, with earnings per share increasing by 127.13% in the past year. Over the entire 2020-2024 period, revenue increased by 49.24%, and net income grew by 254.92%, indicating consistent value creation.
Unfavorable signals
The stock currently faces a bearish trend, with an overall price decline of 31.78% and a recent drop of 25.15%, reflecting deceleration in price movement. Recent trading volumes reveal a seller-dominant environment, where seller volume (317M) significantly exceeds buyer volume (79M), representing only 19.87% buyer dominance. This imbalance suggests weak demand pressure in the short term. Additionally, the standard deviation of price volatility remains elevated at 1.24 overall and 0.91 recently, indicating market uncertainty.
Conclusion
While CCC Intelligent Solutions Holdings Inc. shows a fundamentally favorable income statement with robust growth and profitability metrics, the bearish stock trend and dominant seller volume might suggest caution. The company could appear attractive for long-term investors due to solid financial performance, yet the current negative price trend and weak buyer presence imply it might be more prudent to wait for signs of renewed buying interest before considering entry.
Disclaimer: This article is not financial advice. Each investor is responsible for their own investment decisions.
Additional Resources
- CCC Intelligent Solutions Holdings Inc. $CCCS Shares Acquired by Fort Washington Investment Advisors Inc. OH – MarketBeat (Dec 31, 2025)
- CCC Intelligent Solutions (NYSE:CCCS) Shares Follow Ownership Filing – Kalkine Media (Dec 29, 2025)
- Assessing the Valuation of CCC Intelligent Solutions (CCCS) After Recent Share Price Weakness – Yahoo Finance (Oct 31, 2025)
- Norris Perne & French LLP MI Sells 365,290 Shares of CCC Intelligent Solutions Holdings Inc. $CCCS – MarketBeat (Dec 29, 2025)
- CCC Intelligent Solutions Holdings Inc. Stock (NASDAQ: CCC): $500M Buyback, Debt-Funded ASR, Analyst Price Targets, and What’s Next (Dec. 14, 2025) – ts2.tech (Dec 14, 2025)
For more information about CCC Intelligent Solutions Holdings Inc., please visit the official website: cccis.com
