CCC Intelligent Solutions Holdings
CCCNASDAQUSD
- Source valuation snapshot. Not a live recalculation.
- Latest filed annual earnings; price snapshot date unavailable. Not forward P/E.
- Diluted earnings per share from the latest filed annual.
- $7.71 Prior regular-session close from the quote source.
- $7.70–$7.72 Regular-session low and high so far today.
- 7.8M Regular-session shares traded · Nov 11, 4:00 PM ET.
- Feb 23 projected Projected for 2027-02-23 from the company’s own results filings (SEC 8-K Item 2.02). The company has not confirmed the date.
- $4.08–$8.68 52-week trading low and high returned by the quote source.
Understand the Business
Why the Stock Moved
Period-matched expectations history is not yet available. Current metrics are not a substitute for a historical explanation.
The core investment thesis
Own CCC if its insurer-repairer-automaker-parts network remains hard to displace, but the stock only works if that durability shows up in sustained growth, high gross margins, cash conversion, and better balance-sheet discipline.
CCC price history
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Investment thesis
What must happen next
CCC’s multi-party insurance-economy workflow remains hard to displace because insurers, repairers, automakers, and parts suppliers need a shared operating platform rather than isolated point tools.StrengtheningMateriality: High
GAAP annual revenue rose from $782.4 million in FY2022 to $1.057 billion in FY2025. If the network remains sticky, revenue expansion can continue without CCC having to re-win each participant relationship; if it breaks, growth and pricing power weaken together.
Watch: Guidewire, Solera, or Mitchell wins a major carrier workflow migration that also pulls repairer participation away from CCC.
Supporting sources
Source notes are factual paraphrases; read the original disclosures below.
GAAP annual revenue rose from $782.4 million in FY2022 to $1.057 billion in FY2025.
Open source ↗CCC’s claims data and AI-enabled workflows continue to deliver enough customer ROI to support premium SaaS economics rather than being competed down into generic claims software.StrengtheningMateriality: High
GAAP annual gross profit was $776.8 million in FY2025 on $1.057 billion of revenue, implying approximately 73.5% gross margin. This is the margin moat: if AI and data remain differentiated, CCC can fund innovation and still earn strong gross profit; if commoditized, the model becomes more price-sensitive.
Watch: Generative AI vendors or carrier-owned models make photo estimating, triage, and claims automation cheap and interoperable enough to reduce CCC’s differentiation.
Supporting sources
Source notes are factual paraphrases; read the original disclosures below.
GAAP annual gross profit was $776.8 million in FY2025 on $1.057 billion of revenue, implying approximately 73.5% gross margin.
Open source ↗The SaaS platform can scale without requiring proportional increases in operating expense, because incremental customers and usage should leverage the same workflow, data, and AI infrastructure.StrengtheningMateriality: Medium
GAAP annual operating income improved from a loss of $23.9 million in FY2023 to income of $80.1 million in FY2024. If operating leverage holds, revenue growth becomes earnings growth; if it fails, CCC may remain a good product business but not a strong equity compounding machine.
Watch: CCC must materially increase AI infrastructure, security, compliance, or implementation spending to defend its platform position.
Supporting sources
Source notes are factual paraphrases; read the original disclosures below.
GAAP annual operating income improved from a loss of $23.9 million in FY2023 to income of $80.1 million in FY2024.
Open source ↗CCC’s recurring software model remains cash-generative because customers pay for mission-critical claims workflows with limited working-capital intensity.StrengtheningMateriality: Medium
GAAP annual operating cash flow rose from $199.9 million in FY2022 to $315.5 million in FY2025. Cash conversion gives CCC flexibility to invest, reduce leverage, or compound value without depending heavily on capital markets.
Watch: Insurers demand usage-based, outcome-based, or longer-payment terms that weaken cash collection despite reported revenue.
Supporting sources
Source notes are factual paraphrases; read the original disclosures below.
GAAP annual operating cash flow rose from $199.9 million in FY2022 to $315.5 million in FY2025.
Open source ↗Per-share value creation depends on management using CCC’s cash generation to control leverage and acquisition risk rather than letting debt-funded expansion absorb the economics of the software platform.WeakeningMateriality: Medium
GAAP liabilities increased from $1.164 billion at FY2024 year-end to $1.786 billion at FY2025 year-end. A strong operating business can still disappoint owners if incremental cash flow accrues to creditors, sellers of acquired assets, or dilution rather than shareholders.
Watch: Management pursues additional debt-funded acquisitions before reducing balance-sheet risk from the FY2025 increase in liabilities.
Supporting sources
Source notes are factual paraphrases; read the original disclosures below.
GAAP liabilities increased from $1.164 billion at FY2024 year-end to $1.786 billion at FY2025 year-end.
Open source ↗
Full investment case & evidence
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Original research
CCC’s multi-party insurance-economy workflow remains hard to displace because insurers, repairers, automakers, and parts suppliers need a shared operating platform rather than isolated point tools. If the network remains sticky, revenue expansion can continue without CCC having to re-win each participant relationship; if it breaks, growth and pricing power weaken together.
CCC’s claims data and AI-enabled workflows continue to deliver enough customer ROI to support premium SaaS economics rather than being competed down into generic claims software. This is the margin moat: if AI and data remain differentiated, CCC can fund innovation and still earn strong gross profit; if commoditized, the model becomes more price-sensitive.
The SaaS platform can scale without requiring proportional increases in operating expense, because incremental customers and usage should leverage the same workflow, data, and AI infrastructure. If operating leverage holds, revenue growth becomes earnings growth; if it fails, CCC may remain a good product business but not a strong equity compounding machine.
CCC’s recurring software model remains cash-generative because customers pay for mission-critical claims workflows with limited working-capital intensity. Cash conversion gives CCC flexibility to invest, reduce leverage, or compound value without depending heavily on capital markets.
Per-share value creation depends on management using CCC’s cash generation to control leverage and acquisition risk rather than letting debt-funded expansion absorb the economics of the software platform. A strong operating business can still disappoint owners if incremental cash flow accrues to creditors, sellers of acquired assets, or dilution rather than shareholders.
All standing thesis claims
Original report summary
its insurer-repairer-automaker-parts network remains hard to displace, but the stock only works if that durability shows up in sustained growth, high gross margins, cash conversion, and better balance-sheet discipline.
Bull case and bear case
Bull case and bear case for CCC Intelligent Solutions Holdings
Where the evidence on CCC Intelligent Solutions Holdings disagrees: Mixed on the latest evidence (Oct 13, 2026). Of its 5 thesis points, 4 strengthening and 1 weakening.
Bull case: what the evidence supports
CCC’s multi-party insurance-economy workflow remains hard to displace because insurers, repairers, automakers, and parts suppliers need a shared operating platform rather than isolated point tools.
CCC’s claims data and AI-enabled workflows continue to deliver enough customer ROI to support premium SaaS economics rather than being competed down into generic claims software.
The SaaS platform can scale without requiring proportional increases in operating expense, because incremental customers and usage should leverage the same workflow, data, and AI infrastructure.
CCC’s recurring software model remains cash-generative because customers pay for mission-critical claims workflows with limited working-capital intensity.
Bear case: what the evidence questions
Per-share value creation depends on management using CCC’s cash generation to control leverage and acquisition risk rather than letting debt-funded expansion absorb the economics of the software platform.
Thesis-Break Engine
What has broken in CCC Intelligent Solutions Holdings’s thesis
Each break OptimistFi flagged on CCC Intelligent Solutions Holdings, dated — with what has historically followed the same kind of break across the market, not a forecast for CCC Intelligent Solutions Holdings.
- Analyst downgradecondition set before this filing
Across all companies, this kind of break has happened 12,641 times before. Those stocks trailed comparable companies by a median of 1% over the next six months, and 33% of them trailed it by 10 points or more.
MARKET + FINANCIAL SNAPSHOT
The numbers behind the thesis
What Changed
- MixedReported results of operations (earnings release).
CCC Intelligent Solutions Holdings filed an SEC 8-K on 2026-07-30: Reported results of operations (earnings release). It is a dated development that tests the current thesis.
- MixedDirector or principal officer change.
CCC Intelligent Solutions Holdings filed an SEC 8-K on 2026-04-30: Director or principal officer change. It is a dated development that tests the current thesis.
- MixedReported results of operations (earnings release).
CCC Intelligent Solutions Holdings filed an SEC 8-K on 2026-04-30: Reported results of operations (earnings release). It is a dated development that tests the current thesis.
Risks / falsifiers
What could break the thesis
- Guidewire, Solera, or Mitchell wins a major carrier workflow migration that also pulls repairer participation away from CCC.
- Generative AI vendors or carrier-owned models make photo estimating, triage, and claims automation cheap and interoperable enough to reduce CCC’s differentiation.
- CCC must materially increase AI infrastructure, security, compliance, or implementation spending to defend its platform position.
- Insurers demand usage-based, outcome-based, or longer-payment terms that weaken cash collection despite reported revenue.
- Management pursues additional debt-funded acquisitions before reducing balance-sheet risk from the FY2025 increase in liabilities.
CCC news
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Financial statements
CCC income statement
Annual filed results · USD · Oldest to newest. Margins are calculated from the reported figures.
CCC: quick answers
- When does CCC Intelligent Solutions Holdings (CCC) report earnings next?
- CCC Intelligent Solutions Holdings's next results are projected for February 23, 2027, from the dates of its own results filings with the SEC. The company has not confirmed the date. It last reported on October 29, 2026. Earnings calendar
- What is CCC's short interest?
- As of October 30, 2026, 45.0M CCC shares were sold short, 7.62% of its shares outstanding, down 22.9% from the count before. At the stock's average daily volume that is 1.3 days to cover. FINRA publishes the count twice a month. CCC short interest history
- Have members of Congress traded CCC?
- 8 trades in CCC have been disclosed under the STOCK Act by members of Congress, the President or senior officials, none in reports made public in the last 90 days. Every disclosed CCC trade
- Which well-known investors own CCC?
- 3 of the 37 well-known funds tracked here reported CCC shares in their latest 13F filings. By share of the fund's portfolio: Akre Capital Management (Chuck Akre), 3.0%; Dragoneer Investment Group, 1.7%; Duquesne Family Office (Stanley Druckenmiller), 0.1%. Fund portfolios
CCC in well-known investors’ portfolios
3 of 37 funds reported CCC shares in their latest 13F filing. A 13F shows quarter-end positions and arrives up to 45 days later.
| Fund | Of its portfolio | Value | Change | Quarter |
|---|---|---|---|---|
| Chuck AkreAkre Capital Management | 3.0% | $154M | −5.3% | Q2 2026 |
| Dragoneer Investment Group | 1.7% | $47.5M | No change | Q2 2026 |
| Stanley DruckenmillerDuquesne Family Office | 0.12% | $6.0M | New | Q2 2026 |