MongoDB, Inc. (MDB) and CCC Intelligent Solutions Holdings Inc. (CCCS) are two leading players in the software infrastructure sector, each driving innovation in distinct yet overlapping markets. While MongoDB specializes in versatile database platforms for enterprises, CCCS focuses on AI-powered SaaS solutions for the insurance economy. This article will explore their strategies and growth prospects to help you decide which company deserves a place in your investment portfolio.
Table of contents
Companies Overview
I will begin the comparison between MongoDB, Inc. and CCC Intelligent Solutions Holdings Inc. by providing an overview of these two companies and their main differences.
MongoDB Overview
MongoDB, Inc. offers a general-purpose database platform globally, focusing on commercial and cloud-based database solutions. Its products include MongoDB Enterprise Advanced for enterprise use, MongoDB Atlas, a multi-cloud database-as-a-service, and a free Community Server for developers. Founded in 2007 and headquartered in New York City, MongoDB aims to support diverse deployment environments including cloud, on-premise, and hybrid setups.
CCC Intelligent Solutions Overview
CCC Intelligent Solutions Holdings Inc. provides cloud, mobile, AI, and telematics technologies tailored to the property and casualty insurance sector. Its SaaS platform digitizes AI-enabled workflows and connects various stakeholders across the insurance economy. Established in 1980 and based in Chicago, CCC offers solutions for insurance, repair, parts supply, and automotive manufacturing, targeting efficiency and integration in insurance-related processes.
Key similarities and differences
Both companies operate in the software infrastructure sector, leveraging cloud and AI technologies to serve specialized markets. MongoDB focuses on database platforms for broad enterprise use, while CCC targets niche insurance-related workflows and commerce. MongoDB has a significantly larger market cap and employee base, reflecting its broader market reach, whereas CCC concentrates on a specific industry ecosystem with a smaller scale and lower beta, indicating different risk profiles.
Income Statement Comparison
The table below presents a side-by-side comparison of key income statement metrics for MongoDB, Inc. and CCC Intelligent Solutions Holdings Inc. for their most recent fiscal year.
| Metric | MongoDB, Inc. (MDB) | CCC Intelligent Solutions Holdings Inc. (CCCS) |
|---|---|---|
| Market Cap | 32.5B | 5.6B |
| Revenue | 2.01B | 945M |
| EBITDA | -97M | 233M |
| EBIT | -124M | 109M |
| Net Income | -129M | 26M |
| EPS | -1.73 | 0.0428 |
| Fiscal Year | 2025 | 2024 |
Income Statement Interpretations
MongoDB, Inc.
MongoDB’s revenue surged from $590M in 2021 to $2.01B in 2025, showing a strong upward trend. Despite the growth, net income remained negative, though losses shrank from -$267M to -$129M. Gross margin held steady around 73%, while net margin improved but stayed negative. In 2025, revenue growth accelerated 19.2%, alongside improved margins and reduced net losses, signaling operational progress.
CCC Intelligent Solutions Holdings Inc.
CCC’s revenue rose steadily from $633M in 2020 to $945M in 2024, with net income recovering from a loss of -$17M to a positive $26M. Gross margin was favorable at 75.5%, and EBIT margin turned positive to 11.5%. The 2024 fiscal year showed continued revenue expansion of 9% and strong net margin growth, reflecting improved profitability and operational efficiency in recent periods.
Which one has the stronger fundamentals?
Both companies exhibit favorable income statement growth and gross margins over their respective periods. MongoDB demonstrates rapid revenue expansion and margin improvements but remains unprofitable on net income. CCC shows slower revenue growth yet has achieved positive net income and EBIT margins. MongoDB’s fundamentals reflect aggressive growth with ongoing losses, while CCC’s indicate more stable profitability, highlighting different risk and growth profiles.
Financial Ratios Comparison
The table below presents a side-by-side comparison of key financial ratios for MongoDB, Inc. (MDB) and CCC Intelligent Solutions Holdings Inc. (CCCS) based on their most recent fiscal year data.
| Ratios | MongoDB, Inc. (2025) | CCC Intelligent Solutions Holdings Inc. (2024) |
|---|---|---|
| ROE | -4.64% | 1.31% |
| ROIC | -7.36% | 1.86% |
| P/E | -157.88 | 274.02 |
| P/B | 7.32 | 3.59 |
| Current Ratio | 5.20 | 3.65 |
| Quick Ratio | 5.20 | 3.65 |
| D/E (Debt to Equity) | 0.01 | 0.42 |
| Debt-to-Assets | 1.06% | 26.65% |
| Interest Coverage | -26.70 | 1.24 |
| Asset Turnover | 0.58 | 0.30 |
| Fixed Asset Turnover | 24.78 | 4.68 |
| Payout ratio | 0 | 0 |
| Dividend yield | 0 | 0 |
Interpretation of the Ratios
MongoDB, Inc.
MongoDB shows a mixed ratio profile with strong debt management and asset turnover but weak profitability metrics such as negative net margin (-6.43%) and return on equity (-4.64%). The high current ratio (5.2) is marked unfavorable, suggesting excess liquidity or inefficient asset use. MongoDB does not pay dividends, likely due to ongoing investment in growth and R&D, reflected in elevated expenses and negative returns.
CCC Intelligent Solutions Holdings Inc.
No sufficient ratio data is available to evaluate CCC Intelligent Solutions Holdings Inc.’s financial health accurately. Key metrics, including ratios, DCF, and income details, are missing, preventing a comprehensive analysis. The absence of dividend data similarly limits insight into shareholder returns or distribution policies.
Which one has the best ratios?
Based on available data, MongoDB presents a more complete but overall unfavorable ratio profile, with some strengths in leverage and turnover. CCC Intelligent Solutions cannot be assessed due to missing data. Thus, MongoDB’s ratios provide more insight despite clear concerns, whereas CCC’s financial strength remains indeterminate.
Strategic Positioning
This section compares the strategic positioning of MongoDB, Inc. and CCC Intelligent Solutions Holdings Inc., covering market position, key segments, and exposure to technological disruption:
MongoDB, Inc.
- Leading database platform with strong NASDAQ presence; faces competition in software infrastructure.
- Key segments: MongoDB Atlas cloud services, other subscriptions, and professional services driving growth.
- Positioned in general purpose database software with cloud and hybrid deployment; moderate technological disruption risk.
CCC Intelligent Solutions Holdings Inc.
- Mid-cap software provider focused on insurance economy; operates in a competitive SaaS market.
- Key segments: AI-enabled SaaS for insurance workflows, repair, parts, and automotive manufacturer solutions.
- Focused on AI, cloud, telematics in insurance; exposure to evolving tech but specialized ecosystem limits disruption.
MongoDB vs CCC Positioning
MongoDB pursues a diversified strategy emphasizing cloud database services and enterprise subscriptions, offering broad market appeal. CCC concentrates on AI-driven SaaS for the insurance sector, providing specialized solutions but narrower market scope. MongoDB’s scale supports growth while CCC targets vertical integration.
Which has the best competitive advantage?
Based on MOAT evaluation, MongoDB shows slightly unfavorable moat due to value destruction despite improving profitability; CCC lacks sufficient data for MOAT assessment, limiting direct competitive advantage comparison.
Stock Comparison
The stock price movements of MongoDB, Inc. (MDB) and CCC Intelligent Solutions Holdings Inc. (CCCS) over the past 12 months reveal contrasting bearish trends with varying degrees of volatility and recent directional shifts.
Trend Analysis
MongoDB, Inc. experienced an overall bearish trend over the past year with a -11.46% price change, showing acceleration and high volatility (std. dev. 72.49). The stock hit a high of 451.52 and a low of 154.39, with a recent rebound of +11.1% indicating a short-term bullish correction.
CCC Intelligent Solutions Holdings Inc. also showed a bearish trend with a -31.78% decline over the same period, but with decelerating momentum and low volatility (std. dev. 1.24). The stock traded between 7.22 and 12.67 and continued to weaken recently with a -25.15% drop.
Comparing both stocks, MDB has delivered a stronger market performance despite its decline, supported by recent price gains and higher buyer dominance, while CCCS faced a steeper and more sustained decrease in value.
Target Prices
The current analyst consensus presents clear target price ranges for MongoDB, Inc. and CCC Intelligent Solutions Holdings Inc.
| Company | Target High | Target Low | Consensus |
|---|---|---|---|
| MongoDB, Inc. | 500 | 375 | 445.2 |
| CCC Intelligent Solutions Holdings Inc. | 11 | 11 | 11 |
Analysts expect MongoDB’s stock to appreciate from its current price of about 400 USD toward the consensus target near 445 USD. CCC Intelligent Solutions’ consensus target of 11 USD indicates modest upside from its current price near 8.75 USD.
Analyst Opinions Comparison
This section compares analysts’ ratings and grades for MongoDB, Inc. (MDB) and CCC Intelligent Solutions Holdings Inc. (CCCS):
Rating Comparison
MDB Rating
- Rating: C, classified as Very Favorable by evaluators.
- Discounted Cash Flow Score: 2, indicating a Moderate valuation outlook.
- ROE Score: 1, considered Very Unfavorable, showing low profit generation from equity.
- ROA Score: 1, Very Unfavorable, reflecting poor asset utilization.
- Debt To Equity Score: 4, Favorable, suggesting strong balance sheet health.
- Overall Score: 2, Moderate overall financial health.
CCCS Rating
- No rating data available.
- No discounted cash flow score provided.
- No ROE score available.
- No ROA score available.
- No debt to equity score provided.
- No overall score available.
Which one is the best rated?
Based strictly on the provided data, MDB is better rated with a complete set of scores and an overall Moderate standing, while no rating or scores are available for CCCS. This makes MDB the only company with analyzable ratings here.
Scores Comparison
Here is a comparison of the Altman Z-Score and Piotroski Score for MongoDB, Inc. and CCC Intelligent Solutions Holdings Inc.:
MDB Scores
- Altman Z-Score: 30.24, indicating a safe zone, very low bankruptcy risk.
- Piotroski Score: 4, classified as average financial strength.
CCCS Scores
- Altman Z-Score: 2.18, in the grey zone with moderate bankruptcy risk.
- Piotroski Score: 3, considered very weak financial strength.
Which company has the best scores?
Based on the provided scores, MongoDB has a significantly higher Altman Z-Score indicating stronger bankruptcy safety and a slightly better Piotroski Score than CCC Intelligent Solutions. Therefore, MongoDB shows better financial stability and strength in this comparison.
Grades Comparison
Here is a comparison of the most recent reliable grades available for the two companies:
MongoDB, Inc. Grades
The table below summarizes recent grades from verified grading companies for MongoDB, Inc.
| Grading Company | Action | New Grade | Date |
|---|---|---|---|
| Barclays | Maintain | Overweight | 2026-01-12 |
| Needham | Maintain | Buy | 2026-01-12 |
| Truist Securities | Maintain | Buy | 2026-01-07 |
| Needham | Maintain | Buy | 2026-01-06 |
| RBC Capital | Maintain | Outperform | 2026-01-05 |
| Argus Research | Maintain | Buy | 2025-12-04 |
| Goldman Sachs | Maintain | Buy | 2025-12-03 |
| Citigroup | Maintain | Buy | 2025-12-03 |
| Canaccord Genuity | Maintain | Buy | 2025-12-02 |
| Piper Sandler | Maintain | Overweight | 2025-12-02 |
MongoDB’s grades consistently show a strong buy or overweight consensus with no downgrades, indicating steady positive sentiment.
CCC Intelligent Solutions Holdings Inc. Grades
No reliable grades from verified grading companies are available for CCC Intelligent Solutions Holdings Inc. The consensus rating shows a moderate buy with some holds and a single sell, suggesting a more cautious outlook.
Which company has the best grades?
MongoDB, Inc. has received significantly stronger and more consistent grades, primarily buy and outperform ratings from major financial firms. This stronger consensus may reflect higher confidence from analysts, potentially impacting investor sentiment and perceived growth prospects more favorably than CCC Intelligent Solutions Holdings Inc.
Strengths and Weaknesses
Below is a comparative overview of key strengths and weaknesses for MongoDB, Inc. (MDB) and CCC Intelligent Solutions Holdings Inc. (CCCS) based on the most recent data available.
| Criterion | MongoDB, Inc. (MDB) | CCC Intelligent Solutions (CCCS) |
|---|---|---|
| Diversification | Moderate: Primarily software subscriptions and services with growth in Atlas segment | Moderate: Software subscriptions dominate, with smaller services segment |
| Profitability | Weak: Negative net margin (-6.43%), ROIC (-7.36%), and ROE (-4.64%) | Data unavailable; profitability cannot be assessed currently |
| Innovation | Strong: Rapid growth in MongoDB Atlas revenue shows innovation in cloud database services | Likely steady: Consistent revenue growth in software subscriptions suggests ongoing product development |
| Global presence | Strong: High growth driven by cloud solutions with global customer base | Moderate: Focus on US market with software and services |
| Market Share | Growing: MongoDB Atlas rapidly expanding, indicating increasing market penetration | Stable: Growth in software subscriptions but smaller scale than MDB |
Key takeaways: MongoDB demonstrates robust innovation and expanding global presence, especially through its Atlas cloud platform, despite current weak profitability. CCC Intelligent Solutions shows consistent revenue growth but lacks sufficient data for a full financial assessment. Investors should weigh MongoDB’s growth potential against its value destruction signs and monitor CCCS for more financial transparency.
Risk Analysis
Below is a comparison of key risks facing MongoDB, Inc. (MDB) and CCC Intelligent Solutions Holdings Inc. (CCCS) as of 2026.
| Metric | MongoDB, Inc. (MDB) | CCC Intelligent Solutions (CCCS) |
|---|---|---|
| Market Risk | High beta (1.38) indicates higher volatility and sensitivity to market swings. | Lower beta (0.72) suggests less market volatility risk. |
| Debt Level | Very low debt (D/E 0.01), minimal financial leverage risk. | Unknown due to missing data; caution advised. |
| Regulatory Risk | Moderate; operates globally with increasing data privacy regulations. | Moderate; insurance tech sector faces regulatory compliance challenges. |
| Operational Risk | Unfavorable profitability ratios and negative margins highlight operational challenges. | Unknown operational risk due to limited financial data. |
| Environmental Risk | Low; primarily software business with limited direct environmental impact. | Low; software solutions with minimal environmental footprint. |
| Geopolitical Risk | Moderate; global cloud infrastructure exposed to geopolitical tensions. | Moderate; reliant on US and global insurance markets, sensitive to trade policies. |
MongoDB’s most impactful risks stem from its operational challenges, with negative profitability and unfavorable returns posing concerns despite strong balance sheet metrics. Its higher market volatility adds trading risk. CCCS shows potential financial distress signals with a low Altman Z-Score in the grey zone and very weak Piotroski score, highlighting risks in financial health and operational transparency. Investors should exercise caution with CCCS due to limited data and possible financial vulnerability.
Which Stock to Choose?
MongoDB, Inc. (MDB) shows strong income growth with a 239.86% revenue increase over 2021-2025 and favorable profitability metrics like a 73.32% gross margin. However, its financial ratios are mostly unfavorable, with negative returns on equity (-4.64%) and invested capital (-7.36%), despite low debt levels and a high current ratio. The company’s rating is very favorable overall but moderate on financial scores, reflecting mixed financial health.
CCC Intelligent Solutions Holdings Inc. (CCCS) presents a favorable income statement with positive EBIT margin (11.53%) and steady revenue growth (49.24% over 2020-2024). Financial ratios data are unavailable, but income growth and margin improvements are strong. Its Altman Z-Score indicates moderate bankruptcy risk (grey zone), and Piotroski score reflects weak financial strength, while the stock price has experienced a notable decline.
For investors, MDB’s strong income growth but unfavorable financial ratios and mixed ratings might appeal to those focused on growth potential despite risks. CCCS’s favorable income trends and moderate distress signals could be more suitable for cautious investors valuing current profitability but aware of financial weaknesses. The choice might depend on the investor’s risk tolerance and preference between growth and financial stability.
Disclaimer: Investment carries a risk of loss of initial capital. The past performance is not a reliable indicator of future results. Be sure to understand risks before making an investment decision.
Go Further
I encourage you to read the complete analyses of MongoDB, Inc. and CCC Intelligent Solutions Holdings Inc. to enhance your investment decisions:
