CCC Intelligent Solutions Holdings (CCC) AI Stock Analysis

• Market Cap: $3.75B
• Dividend Yield: N/A
• Average Volume (3M): 16.68M
• Price to Earnings (P/E): 150.3
• Beta (1Y): 0.97
• Revenue Growth: 10.64%
• EPS Growth: -105.64%
• Country: US
• Employees: 2,310
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Infrastructure
• EPS (TTM): 0.10
• Shares Outstanding: 607,126,040
• 10 Day Avg. Volume: 13,459,973
• 30 Day Avg. Volume: 16,679,679
• PEG Ratio: -120.49
• Price to Book (P/B): 2.73
• Price to Sales (P/S): 4.62
• P/FCF Ratio: 19.19
• Enterprise Value/Market Cap: 1.05
• Enterprise Value/Revenue: 3.72
• Enterprise Value/Gross Profit: 5.06
• Enterprise Value/Ebitda: 18.61
• 1Y Price Target: $8.85
• Price Target Upside: 39.59% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 11
• EPS Forecast (FY): 0.42
• Revenue Forecast (FY): $1.15B

• Rating: 65 Neutral
• Price Target: $6.50 ▲(2.52% Upside)
• Action: Reiterated Date: 03/02/26
• Date: Action: Reiterated 03/02/26

The score is driven primarily by strong cash flow and a strengthened balance sheet, reinforced by constructive 2026 guidance and operational momentum from the latest earnings call. These positives are tempered by weak price/technical trends and limited valuation support given the extremely negative P/E and inconsistent GAAP profitability.

Positive Factors

Cash Generation

Sustained, growing operating and free cash flow provides durable funding for product investment, buybacks and debt reduction. Strong cash conversion reduces reliance on external financing and supports execution of multi-year AI and platform scaling initiatives without sacrificing liquidity.

De-risked Balance Sheet

Material debt reduction and sizable equity give the company flexibility to pursue opportunistic M&A and buybacks while tolerating cyclical claim-volume swings. Low leverage lowers financial risk and preserves capacity to fund strategic investments over multiple years.

Recurring Revenue, Retention & AI

High subscription mix and excellent retention create predictable recurring revenue and strong upsell potential. Rapid AI product adoption and growing emerging solutions diversify revenue streams and leverage proprietary data, strengthening long-term product stickiness and competitive moat.

Negative Factors

Slowing Revenue Growth

A marked deceleration in top-line growth reduces the tailwind from scale and raises the bar for margin expansion to be driven by cost efficiency alone. Slower organic growth increases dependence on cross-sell, M&A and execution to meet multi-year targets.

Volatile GAAP Profitability

Inconsistent GAAP earnings and near-zero net margins limit confidence in sustainable returns and ROE. This volatility complicates long-term planning and heightens sensitivity to one-time charges, investment pacing, and cyclical claim volumes affecting reported profitability.

Integration & Execution Risk

Acquisition-related losses and slower-than-expected implementations can delay revenue recognition and compress near-term margins. Prolonged integration/resource needs could slow AI monetization and require sustained investment to scale products to expected margin profiles.

CCC Intelligent Solutions Holdings Business Overview & Revenue Model

Company Description

CCC Intelligent Solutions Holdings Inc. provides cloud, mobile, AI, telematics, hyperscale technologies, and applications for the property and casualty insurance economy. It SaaS platform digitizes mission-critical AI-enabled workflows, facilitates commerce, and connects businesses across the insurance economy, including insurance carriers, collision repairers, parts suppliers, automotive manufactures, financial institution, and others. The company offers CCC Insurance solutions, including CCC workflow, CCC estimating, CCC total loss, CCC AI and analytics, and CCC casualty; CCC Repair solutions, such as CCC network management, CCC repair workflow, and CCC repair quality; CCC Other Ecosystem solutions, comprising CCC parts solutions, CCC automotive manufacturer solutions, CCC lender solutions, and CCC payments; and CCC International solutions. CCC Intelligent Solutions Holdings Inc. was founded in 1980 and is headquartered in Chicago, Illinois.

How the Company Makes Money

CCC primarily makes money by selling subscriptions and transaction-based access to its cloud software platforms and network services used across the auto insurance claims and collision repair value chain. A major revenue stream comes from recurring fees paid by insurers and repair facilities for workflow software that supports estimating/appraisals, claim handling, and repair process management. The company also generates revenue from usage-based/transaction fees tied to claim events and digital interactions on its network (for example, when participants exchange estimates, parts and repair information, or other claim-related data through CCC-connected workflows). In addition, CCC earns revenue from data, analytics, and AI-enabled products that help customers benchmark performance, detect inefficiencies, and manage claim severity and repair outcomes. Significant factors supporting earnings include the scale of CCC’s network of connected insurers and repairers (which increases the value of participation and drives repeat usage), multi-year customer relationships with large insurers, and the embedding of CCC’s software into mission-critical operational workflows that tend to be renewed as ongoing subscriptions.

CCC Intelligent Solutions Holdings Financial Statement Overview

Summary

Strong and improving cash generation (operating cash flow ~$315M; free cash flow ~$255M in 2025) and a much de-risked balance sheet (debt reduced materially; low debt-to-equity ~0.04) are major positives. Offsetting this, revenue growth slowed in 2025 and GAAP profitability has been volatile, with 2025 essentially breakeven, which lowers confidence in earnings quality despite the strong margin profile.

Income Statement

Revenue has grown steadily from $633M (2020) to $1.06B (2025), but growth slowed materially in 2025 (about 3% vs. ~9–14% in prior years). Gross margins remain strong (~73–76%), supporting a software-like model. However, profitability has been volatile: the company swung from losses (2021, 2023) to modest profits (2022, 2024) and essentially breakeven in 2025 (net margin ~0.04%), indicating inconsistent earnings quality and/or elevated operating costs.

Balance Sheet

Leverage improved dramatically by 2025, with total debt dropping to ~$72M and debt-to-equity down to ~0.04 (from ~0.42–0.47 in 2022–2024 and ~0.96 in 2020). Equity is sizable (~$1.79B in 2025) and assets have grown to ~$3.50B, providing balance-sheet flexibility. The main weakness is low returns on equity in 2025 (near zero), reflecting the sharp decline in net income despite the stronger capital structure.

Cash Flow

Cash generation is a clear strength: operating cash flow rose from ~$104M (2020) to ~$315M (2025) and free cash flow to ~$255M in 2025, with strong reported free-cash-flow growth in 2025. Cash flow conversion is solid, with operating cash flow exceeding accounting earnings in 2025, which helps offset weak net income. A watch item is that free cash flow relative to net income remains below 1 in the provided data, but overall cash flow is robust and trending positively.

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	1.06B	944.80M	866.38M	782.45M	688.29M
Gross Profit	776.81M	713.80M	636.16M	568.51M	492.63M
EBITDA	201.86M	232.60M	114.37M	216.00M	-92.80M
Net Income	412.00K	26.14M	-92.48M	38.41M	-248.92M
Balance Sheet
Total Assets	3.66B	3.18B	3.05B	3.35B	3.24B
Cash, Cash Equivalents and Short-Term Investments	111.19M	398.98M	195.57M	323.79M	182.54M
Total Debt	72.28M	848.38M	833.09M	872.61M	852.79M
Total Liabilities	1.87B	1.16B	1.25B	1.29B	1.35B
Stockholders Equity	1.79B	2.00B	1.78B	2.05B	1.87B
Cash Flow
Free Cash Flow	254.51M	230.87M	195.00M	151.96M	88.97M
Operating Cash Flow	315.48M	283.89M	250.03M	199.91M	127.33M
Investing Cash Flow	-471.38M	-53.01M	-55.03M	-76.29M	-48.60M
Financing Cash Flow	-132.11M	-27.29M	-323.03M	17.88M	-58.44M

CCC Intelligent Solutions Holdings Technical Analysis

• Last Price: 6.34

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CCC, the sentiment is undefined. The current price of 6.34 is equal to the 20-day moving average (MA) of ―, equal to the 50-day MA of ―, and equal to the 200-day MA of ―, indicating a neutral trend. The MACD of ― indicates undefined momentum. The RSI at ― is undefined, neither overbought nor oversold. The STOCH value of ― is undefined, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a undefined sentiment for CCC.

CCC Intelligent Solutions Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%

CCC Intelligent Solutions Holdings Corporate Events

CCC Intelligent Solutions Adds Independent Director, Revamps Governance

On March 2, 2026, CCC Intelligent Solutions Holdings Inc. appointed veteran enterprise software executive John A. Schweitzer as a Class II director on its board, underscoring a push to deepen go-to-market and revenue leadership at the governance level. Schweitzer brings senior sales and revenue experience from Salesforce, where he led global sales for the Informatica division, as well as prior chief revenue roles at Informatica and Software AG and leadership posts at Workday, SAP, and Oracle.

The board also determined that Schweitzer qualifies as an independent director under U.S. securities and Nasdaq listing standards, and he will receive compensation consistent with other independent, non-employee directors. In tandem with his appointment, the board restructured its Nominating and Corporate Governance Committee, naming Teri Williams as chair and adding CEO Githesh Ramamurthy Eilam and Schweitzer as members, a shift that removes Mr. Wei from the committee and signals a refreshed focus on board oversight and governance.

The most recent analyst rating on (CCC) stock is a Buy with a $10.00 price target. To see the full list of analyst forecasts on CCC Intelligent Solutions Holdings stock, see the CCC Stock Forecast page.

CCC Intelligent Solutions Names Josh Valdez Chief Product Officer

On January 30, 2026, CCC Intelligent Solutions announced it had appointed Josh Valdez as Chief Product Officer, effective February 16, 2026, tasking him with leading the company’s product strategy, design and delivery. Valdez, an experienced product and technology executive with a background at Dayforce, Workday, Pattern and Google, will focus on scaling CCC’s AI-driven innovations, including agentic AI, across its platform to help insurers, repairers and automakers better manage growing complexity in the insurance and automotive industries, a move that underscores CCC’s push to deepen its AI capabilities and strengthen its position as a key technology partner in this mission-critical ecosystem.

The most recent analyst rating on (CCC) stock is a Hold with a $9.50 price target. To see the full list of analyst forecasts on CCC Intelligent Solutions Holdings stock, see the CCC Stock Forecast page.