CCC Intelligent Solutions Holdings (CCC)
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27 of the 30 largest U.S. auto insurers run their collision claims through CCC's software. In 2025 revenue rose 11.9 percent to $1,057.0 million and free cash flow reached $254.5 million — and the bottom line showed $1.7 million. In between sit $175.4 million of stock-based compensation, $600 million of buybacks charged straight against the accumulated deficit, and $1,955.6 million of goodwill. We read the 2025 annual report and the March 31, 2026 quarterly report to find out who actually collects this company's earnings. What you get at the end is not advice but a stack of numbers you have to weigh yourself.
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This stock currently matches 5 of our scanner strategies — each hit links to the scanner.
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Basics
Performance
Valuation
Profitability
Balance Sheet & Safety
Growth
Quality & Screener
AI Rating
Sells AICCC bezeichnet sich im Geschäftsbericht selbst als „SaaS- und KI-Plattform“ für die Schaden- und Unfallversicherung, verkauft KI-gestützte Schadenprozesse als Produkt und hat im Januar 2025 mit EvolutionIQ für 674,3 Mio. US-Dollar einen reinen KI-Anbieter zugekauft.
View the full file — quotes, sources, reviewed filings
„Founded in 1980, CCC is a leading Software-as-a-Service (“SaaS”) and AI platform provider for the multi-trillion-dollar insurance economy powering operations for insurers, repairers, automakers, part suppliers, and more."
1980 gegründet, ist CCC ein führender Anbieter einer Software-als-Dienstleistung („SaaS“) und KI-Plattform für die billionenschwere Versicherungswirtschaft und betreibt damit die Abläufe von Versicherern, Werkstätten, Autoherstellern, Teilelieferanten und weiteren.
„On January 6, 2025, the Company completed its acquisition of EvolutionIQ, Inc. (“EvolutionIQ”), a privately held company that provides AI-powered guidance for disability and injury claims management."
Am 6. Januar 2025 schloss das Unternehmen die Übernahme der EvolutionIQ, Inc. („EvolutionIQ“) ab, eines nicht börsennotierten Unternehmens, das KI-gestützte Handlungsempfehlungen für die Bearbeitung von Berufsunfähigkeits- und Personenschäden anbietet.
„The Company’s cloud-based SaaS platform connects trading partners, facilitates commerce, and supports mission-critical, artificial intelligence (“AI”) enabled digital workflows."
Die cloudbasierte SaaS-Plattform des Unternehmens verbindet Geschäftspartner, ermöglicht Handel und trägt geschäftskritische, durch künstliche Intelligenz („KI“) gestützte digitale Abläufe.
Filings Reviewed: 10-K 2026-02-24 · 10-Q 2026-04-30 · 10-Q 2025-10-30 · 10-K 2025-02-25 · 8-K 2026-04-30 · 8-K 2026-04-30
Rated on July 27, 2026 · How the Rating Is Built
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.01 | -81.70 | 247 | 7.80 | 2.00 | 114 | 106 |
| 2025: Q1 | -0.03 | – | 252 | 10.70 | -7.40 | 59 | 44 |
| 2025: Q2 | 0.02 | -38.10 | 261 | 12.00 | 5.00 | 43 | 27 |
| 2025: Q3 | 0.00 | -171.30 | 267 | 12.00 | -0.70 | 95 | 79 |
| 2025: Q4 | 0.01 | 69.80 | 278 | 12.70 | 2.90 | 119 | 105 |
| 2026: Q1 | 0.03 | – | 281 | 11.80 | 5.50 | 58 | 42 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Assessment: Opportunities & Risks
More than 35,000 connected businesses and 27 of the 30 largest U.S. auto insurers use the platform (as of December 31, 2025). Gross dollar retention ran at 98 to 99 percent in every single quarter from 2023 through 2025, net dollar retention at 105 to 108 percent. 95.9 percent of 2025 revenue was subscription based, and no customer accounted for more than 10 percent.
Free cash flow rose from $195.0 million (2023) to $230.9 million (2024) to $254.5 million (2025), with operating cash flow reaching $315.5 million. Adjusted EBITDA came to $436.0 million in 2025, a margin of 41.2 percent. On April 30, 2026 the company guided to $484 million to $490 million for 2026.
Net income for 2025 was $1.7 million on $1,057.0 million of revenue — a net margin of 0.16 percent. The largest item between profit and cash flow is stock-based compensation of $175.4 million, equal to 68.9 percent of free cash flow. As of March 31, 2026 another $207.5 million of such awards had not been expensed.
As of March 31, 2026, 84.8 percent of total assets of $3,470.8 million consisted of goodwill ($1,955.6 million) and other intangibles ($987.8 million). Deduct both from equity of $1,721.2 million and tangible book value is minus $1,222.2 million. The 49.6 percent equity ratio therefore measures almost nothing but historical purchase prices.
The buybacks work: the share count fell from 629,207,115 (December 31, 2024) to 586,940,536 (April 28, 2026). They cost $600.0 million in 2025, $300.0 million of it funded by a loan increase dated December 12, 2025. Cash fell over the same period from $399.0 million to $36.9 million and net debt stands at 2.9 times adjusted EBITDA.
Acquired January 6, 2025 for $674.3 million, of which $537.8 million was booked as goodwill. In the stub year 2025 the unit contributed 4.0 percent of consolidated revenue and produced a pretax loss of $89.2 million, including $56.7 million of stock-based compensation. The impairment test as of November 30, 2025 required no write-down.
CCC Intelligent Solutions runs the software U.S. auto insurers use to settle collision claims — with gross retention of 98 to 99 percent per quarter since 2023 and 95.9 percent recurring revenue. The business grows reliably: $1,057.0 million of revenue in 2025 after $866.4 million in 2023, free cash flow of $254.5 million after $195.0 million. Reported profit does not keep pace: $1.7 million in 2025, because $175.4 million of stock compensation, $150.3 million of depreciation and amortization and $71.0 million of interest sit in between. Add a balance sheet that is 84.8 percent goodwill and intangibles, and $600.0 million of buybacks half funded by a new loan and charged straight against the accumulated deficit. The first quarter of 2026, with $15.4 million of profit and stock compensation almost halved, shows this can turn — one quarter does not prove it. Not investment advice.
- CCC reached the research list through our in-house stock scanner "turnaround candidates" (U.S. selection), measured July 27, 2026 on both brands. Both instances showed the same distribution: 60 U.S. hits, of which 1 scored 8 of 8 points, 15 scored 7 and 44 scored 6. CCC scores 6 and therefore sits in the tie group covering places 17 through 60; no exact rank is claimed. The detail page shows only the 25 strongest hits — CCC is not visible there. These lists are recomputed daily.
- Turnaround checklist in detail (quarterly series from the second quarter of 2025 through the first quarter of 2026): pillar 3 fully met — revenue in the latest quarter 11.8 percent above the prior-year quarter, net margin of 5.5 percent against 5.0 percent three quarters earlier and 2.9 percent in the previous quarter, positive operating cash flow, interest coverage improving from 1.33 to 2.65. Pillar 4 half met: price above the 50-day line and net institutional accumulation of $135 million yes; turning relative strength and net insider buying no (zero purchases against two sales over twelve months).
- Three scanner ratios were checked against the audited statements; where they diverge, this analysis uses the recomputed value. Distance from the all-time high: stored at minus 69.46 percent, recomputed from 1,457 trading days since October 5, 2020 at minus 60.4 percent (highest close $14.70 on January 25, 2021) or minus 63.9 percent (highest intraday print $16.11 on February 3, 2021) — the mandatory minus 50 percent threshold holds on any reading. Piotroski: stored at 7, recomputed from the audited 2025 figures against 2024 at 4 of 9. Altman-Z: stored at 2.92, recomputed with the original formula, the 2025 statements and a market value of $3,416 million at 0.90 — below the scanner threshold of 1.1.
- Not to be confused: both of the stock's record highs date from January and February 2021 and therefore predate the closing of the business combination on July 30, 2021. The "distance from the all-time high" measures the deflation of a shell-company price here, not the collapse of the operating business. The highest close after closing is $13.35 (September 29, 2023). Also easy to mix up: the ticker was CCCS through the quarterly report filed October 30, 2025 and has been CCC since.
- Price and valuation figures are dated anchors, not buy arguments: closing price $5.82 on July 24, 2026, ratio data as of July 27, 2026. The market value of roughly $3.42 billion is computed from 586,940,536 shares (quarterly report cover page, April 28, 2026). The scanner row carries $2.604 billion from an older pull — the gap is a data-vintage difference, and this analysis uses the recomputed figure.
- The most recent periodic report is the quarterly report 10-Q for March 31, 2026 (filed April 30, 2026). Filed after that, through the data date of July 27, 2026: current report 8-K of April 30, 2026 (Item 2.02, quarterly results and 2026 outlook), current report 8-K of April 30, 2026 (Item 5.02, CFO resignation effective May 25, 2026), current report 8-K of May 22, 2026 (Item 5.07, annual meeting results), amendment 8-K/A of May 29, 2026 (Item 5.02, interim arrangement), plus ownership filings (Schedule 13G) and insider reports (Form 4). The next quarterly report is expected on July 30, 2026 according to the data available.
About the Company
CCC Intelligent Solutions Holdings Inc. ist als Software-as-a-Service-(SaaS-)Unternehmen für die Sach- und Schadenversicherungswirtschaft in den USA und China tätig.
| Employees | 2,185 |
|---|---|
| Headquarters | Chicago, IL |
| Website | cccis.com |
| IPO Date | 2. Aug 2021 |
| Next Earnings | 30. Jul 2026 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Githesh Ramamurthy | Chairman & CEO | 1961 |
| Timothy A. Welsh | Executive VP of Customer Solutions & Operations and President | 1966 |
| Rodney Christo | Interim CFO, Senior VP of Finance & Chief Accounting Officer | – |
| William Arthur Warmington Jr. | Vice President of Investor Relations | – |
| Kevin Kane | Senior VP & Chief Legal Officer | – |
| Christy Harris | Senior VP & Chief HR Officer | – |
| Kevin Ho | Senior VP & GM for China | – |
| Joseph Allen | Senior VP & Head of Automotive Partnerships | – |
| Andreas Hecht | Senior VP & Head of OEM Partnerships | – |
| Brian Costabile | Senior VP & Head of Insurance Partnerships | – |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Chart
Interactive price chart (TradingView).
Data as of: July 24, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.