CCC Intelligent Solutions Holdings (CCC) AI Stock Analysis

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CCC Intelligent Solutions Holdings

(NASDAQ:CCC)

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Rating:69Neutral

Price Target:$8.50▲(10.25% Upside)

Action:downgraded

Date:10/31/26

CCC scores well on improving profitability and strong free cash flow, supported by a positive earnings outlook with raised revenue growth guidance and high margins. Technicals are constructive with the stock above key moving averages. The main constraints on the score are the elevated valuation (high P/E, no dividend yield provided) and balance-sheet leverage, while the take-private deal adds premium support but leaves execution/closure risk until it completes.

Positive Factors

AI product adoptionRapid AI growth and expanding insurer deployments show CCC is converting emerging capabilities into recurring commercial use. Production adoption and multiyear commitments can deepen customer integration, support cross-selling, and strengthen the platform’s relevance across claims workflows over time.

Negative Factors

Elevated leverageThe debt burden reduces financial flexibility and can constrain how much cash CCC directs toward product investment, acquisitions, or other strategic priorities. Leverage also increases sensitivity to weaker operating performance and makes sustained cash generation important for balance-sheet improvement.

CCC Intelligent Solutions Holdings Key Performance Indicators (KPIs)

Revenue by TypeCategorizes revenue based on different product or service lines, offering a view of diversification and which segments are driving growth or facing challenges.

Chart Insights

Software subscriptions are the clear growth engine and are increasingly the lion’s share of revenue, driving the company’s predictable, high‑margin cash generation and enabling aggressive buybacks; management pegs subscriptions at ~85% and AI/EvolutionIQ already contribute meaningful incremental revenue (~$100M) but bring near‑term implementation and gross‑profit headwinds. The small, lumpy 'Other' bucket likely reflects services and integration timing—monitor subscription NDR/GDR and EvolutionIQ deployment for whether margin expansion and the company’s ~9% growth guide are sustainable.

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CCC Intelligent Solutions Holdings (CCC) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $4.56B
Dividend Yield: ―
Average Volume (3M): 21.11M
Price to Earnings (P/E): 64.7
Beta (1Y): 0.86
Revenue Growth: 11.07%
EPS Growth: ―
Country: US
Employees: 2,310
Sector: Technology
Sector Strength: 61
Industry: Software - Infrastructure

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 c...

How the Company Makes Money

CCC primarily makes money by selling access to its cloud software platforms and data-driven workflow products used in insurance claims and collision repair, typically under recurring subscription and/or usage-based arrangements. A major revenue strea...

CCC Intelligent Solutions Holdings Earnings Call Summary

Earnings Call Date:Jul 30, 2026(Q2-2026)|% Change Since:27.44%|Next Earnings Date:Mar 02, 2027

Earnings Call SentimentPositive

The call presented a predominantly positive operational and financial story: revenue and adjusted EBITDA beat guidance, AI solutions are scaling rapidly (≈45–50% YoY) and delivering measurable customer outcomes with multiyear commitments, retention and upsell metrics remain strong, and free cash flow materially improved. Near‑term pressures include modest gross margin decline, higher operating expenses, a one‑point legacy business roll‑off headwind, and a meaningful debt balance. However, management raised the midpoint of full‑year revenue growth guidance, reiterated margin expansion goals, and outlined a path to lower stock‑based compensation, supporting confidence in multi‑year growth and profitability expansion.

Positive Updates

Revenue Above Guidance and Year‑over‑Year Growth

Total revenue of $286M in Q2 2026, up 10% year‑over‑year and above the high end of the company's guidance range.

Negative Updates

Gross Margin Moderation

Adjusted gross margin declined to 76% in Q2 from 78% a year ago and 77% last quarter, signaling modest margin pressure as newer solutions scale and investments continue.

Company Guidance

Management guided Q3 2026 revenue of $289.5M–$291.5M (≈9% YoY at the midpoint) and adjusted EBITDA of $118M–$120M (≈41% margin at the midpoint), and full‑year 2026 revenue of $1.158B–$1.164B (≈10% YoY at the midpoint, with the midpoint raised into a 9.5%–10% growth range) and full‑year adjusted EBITDA of $485M–$491M (≈42% margin at the midpoint). The guide implies roughly 9% YoY growth in both Q3 and Q4, incorporates an approximately 1‑point headwind from the roll‑off of legacy first‑party cat fleet business, forecasts second‑half adjusted EBITDA margins of about 42.5% (≈+50 bps YoY) and, at the high end, margin expansion approaching ~100 bps for the full year.

CCC Intelligent Solutions Holdings Financial Statement Overview

Summary

Financials show a solid shift to durable profitability and strong cash generation. Gross margin is high (~74%), operating profitability improved (EBIT ~19%, EBITDA ~32%), and TTM free cash flow is strong (~$311M). Offsets include higher leverage versus prior years (debt-to-equity ~0.73) and the need to prove the sharp TTM growth acceleration is sustainable.

Income Statement

74Positive

Balance Sheet

63Positive

Cash Flow

79Positive

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	1.14B	1.06B	944.80M	866.38M	782.45M	688.29M
Gross Profit	842.35M	776.81M	713.80M	636.16M	568.51M	492.63M
EBITDA	364.77M	242.82M	232.60M	114.37M	216.00M	-92.80M
Net Income	74.56M	412.00K	26.14M	-92.48M	38.41M	-248.92M
Balance Sheet
Total Assets	3.60B	3.57B	3.18B	3.05B	3.35B	3.24B
Cash, Cash Equivalents and Short-Term Investments	202.93M	111.19M	398.98M	195.57M	323.79M	182.54M
Total Debt	1.35B	1.36B	848.38M	833.09M	872.61M	852.79M
Total Liabilities	1.76B	1.79B	1.16B	1.25B	1.29B	1.35B
Stockholders Equity	1.84B	1.79B	2.00B	1.78B	2.05B	1.87B
Cash Flow
Free Cash Flow	311.38M	254.51M	230.87M	195.00M	151.96M	88.97M
Operating Cash Flow	378.63M	315.48M	283.89M	250.03M	199.91M	127.33M
Investing Cash Flow	-67.25M	-471.38M	-53.01M	-55.03M	-76.29M	-48.60M
Financing Cash Flow	-205.86M	-132.11M	-27.29M	-323.03M	17.88M	-58.44M

CCC Intelligent Solutions Holdings Technical Analysis

Technical Analysis SentimentPositive

Last Price7.71

Price Trends

50DMA7.16Positive

100DMA6.69Positive

200DMA6.06Positive

Market Momentum

MACD0.16Positive

RSI66.08Neutral

STOCH67.46Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CCC, the sentiment is Positive. The current price of 7.71 is above the 20-day moving average (MA) of 7.66, above the 50-day MA of 7.16, and above the 200-day MA of 6.06, indicating a bullish trend. The MACD of 0.16 indicates Positive momentum. The RSI at 66.08 is Neutral, neither overbought nor oversold. The STOCH value of 67.46 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CCC.

CCC Intelligent Solutions Holdings Risk Analysis

CCC Intelligent Solutions Holdings disclosed 51 risk factors in its most recent earnings report. CCC Intelligent Solutions Holdings reported the most risks in the "Finance & Corporate" category.

Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy

Latest Risks Added

0 New Risks

CCC Intelligent Solutions Holdings Peers Comparison

Overall Rating

UnderperformOutperform

Sector (61)

Financial Indicators

CCC against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PATH	80Outperform	$6.69B	19.15	18.42%	―	14.98%	1765.75%
IOT	76Outperform	$24.27B	256.50	6.21%	―	29.50%	―
ACIW	72Outperform	$6.16B	37.47	11.11%	―	1.93%	-34.45%
CCC	69Neutral	$4.56B	64.73	4.19%	―	11.07%	―
APPN	65Neutral	$3.75B	-654.38	7.90%	―	22.03%	19.51%
AIOT	63Neutral	$356.29M	-16.92	-3.56%	―	6.72%	48.92%
Sector *	61Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%

* Technology Sector Average

Performance Comparison

CCC and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
CCC	Ccc Intelligent Solutions Holdings Inc	7.71	0.36	4.90%
ACIW	ACI Worldwide, Inc.	61.45	14.29	30.30%
AIOT	Powerfleet, Inc.	2.64	-2.35	-47.09%
APPN	Appian	52.35	9.30	21.60%
PATH	Uipath Inc	12.83	-1.26	-8.94%
IOT	Samsara, Inc. Class A	41.45	2.73	7.05%

CCC Intelligent Solutions Holdings Corporate Events

Business Operations and StrategyDelistings and Listing ChangesM&A Transactions

CCC Intelligent Solutions Announces Take-Private Merger Deal

Positive

Oct 15, 2026

On October 14, 2026, CCC Intelligent Solutions entered into a definitive merger agreement under which Mozart Merger Sub, backed by a consortium led by private equity firm GTCR and including Elliott Investment Management, will merge with CCC, making i...

Glossary

BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.

Date of analysis: Oct 31, 2026

CCC Intelligent Solutions Holdings AI Stock Analysis