CCC Stock Analysis: CCC Intelligent Solutions | NASDAQ
Software - Application | NASDAQ, USA | Market Cap: 3.858m USD | 12M Return: -18.3% | US12510Q1004 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 74.8M
EPS Trend: 84.7%
Qual. Beats: 3
Rev. Trend: 99.8%
Warnings
Tailwinds
Seasonality 6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
CCC Intelligent Solutions Holdings Inc. (NASDAQ: CCC) is a cloud-based software-as-a-service (SaaS) provider serving the property and casualty (P&C) insurance economy, primarily in the United States and China. Founded in 1980 and headquartered in Chicago, Illinois, the company operates a digital workflow platform that connects a broad network of trading partners-including insurers, repairers, automakers, parts suppliers, and lenders-using artificial intelligence to streamline claims processing and related transactions.
The companys offerings are organized into four main solution categories: CCC insurance solutions (claims handling, estimating, total loss, subrogation, and bodily injury/workers compensation guidance), CCC repair solutions (estimating, network management, workflow, quality, and business-office tools), CCC ecosystem and other solutions (parts, automotive manufacturer, diagnostics, and payments), and CCC international solutions. CCC went public in August 2021 and is classified within the Information Technology sector under the Application Software sub-industry.
CCC operates within the insurance technology (insurtech) segment of the broader enterprise software market, serving as a network intermediary between carriers and the auto claims/repair supply chain-a model that benefits from network effects as more insurers, shops, and parts suppliers join the platform.
- P&C claims volume trends drive estimating software demand
- Net revenue retention above 110% on AI workflow upsells
- US auto insurance cycle exposure drives revenue volatility
| Net Income: 42.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.09 > 0.02 and ΔFCF/TA 2.37 > 1.0 |
| NWC/Revenue: 10.65% < 20% (prev 7.74%; Δ 2.91% < -1%) |
| CFO/TA 0.11 > 3% & CFO 373.0m > Net Income 42.4m |
| Net Debt (1.30b) to EBITDA (316.3m): 4.10 < 3 |
| Current Ratio: 1.56 > 1.5 & < 3 |
| Outstanding Shares: last quarter (596.3m) vs 12m ago -9.73% < -2% |
| Gross Margin: 73.49% > 18% (prev 74.99%; Δ -1.51% > 0.5%) |
| Asset Turnover: 31.34% > 50% (prev 27.96%; Δ 3.38% > 0%) |
| Interest Coverage Ratio: 2.44 > 6 (EBIT TTM 187.4m / Interest Expense TTM 76.9m) |
| A: 0.03 (Total Current Assets 330.6m - Total Current Liabilities 212.2m) / Total Assets 3.53b |
| B: -0.50 (Retained Earnings -1.76b / Total Assets 3.53b) |
| C: 0.05 (EBIT TTM 187.4m / Avg Total Assets 3.55b) |
| D: 1.01 (Book Value of Equity 1.77b / Total Liabilities 1.76b) |
| Altman-Z'' = 0.01 = B |
| DSRI: 0.84 (Receivables 158.3m/168.0m, Revenue 1.11b/997.0m) |
| GMI: 1.02 (GM 74.99% / 73.49%) |
| AQI: 0.98 (AQ_t 0.85 / AQ_t-1 0.86) |
| SGI: 1.12 (Revenue 1.11b / 997.0m) |
| TATA: -0.09 (NI 42.4m - CFO 373.0m) / TA 3.53b) |
| Beneish M = -3.07 (Cap -4..+1) = AA |
As of October 13, 2026, the stock is trading at USD 7.59 with a total of 34,095,658 shares traded. Over the past week, the price has changed by +15.35%, over one month by +12.28%, over three months by +21.83% and over the past year by -18.30%.
Current recommended Stop Loss: 6.80 (which is 10.4% or 2.7 ATR below the current price).
CCC Intelligent Solutions has received a consensus analysts rating of 4.09. Therefore, it is recommended to buy CCC.
- StrongBuy: 5
- Buy: 3
- Hold: 2
- Sell: 1
- StrongSell: 0
| Analysts Target Price | 8.8 | 15.3% |
P/E Trailing = 93.5714
P/E Forward = 13.587
P/S = 3.4688
P/B = 2.213
Revenue TTM = 1.11b USD
EBIT TTM = 187.4m USD
EBITDA TTM = 316.3m USD
Long Term Debt = 1.26b USD (from longTermDebt, last quarter)
Short Term Debt = 46.2m USD (from shortTermDebt, last quarter)
Debt = 1.41b USD (from shortLongTermDebtTotal, last quarter) + Leases 57.4m
Net Debt = 1.30b USD (calculated: Debt 1.41b - CCE 115.9m)
Enterprise Value = 5.16b USD (3.86b + Debt 1.41b - CCE 115.9m)
Interest Coverage Ratio = 2.44 (Ebit TTM 187.4m / Interest Expense TTM 76.9m)
EV/FCF = 16.76x (Enterprise Value 5.16b / FCF TTM 307.5m)
FCF Yield = 5.96% (FCF TTM 307.5m / Enterprise Value 5.16b)
FCF Margin = 27.65% (FCF TTM 307.5m / Revenue TTM 1.11b)
Net Margin = 3.81% (Net Income TTM 42.4m / Revenue TTM 1.11b)
Gross Margin = 73.49% ((Revenue TTM 1.11b - Cost of Revenue TTM 294.9m) / Revenue TTM)
Gross Margin QoQ = 73.67% (prev 74.26%)
Tobins Q-Ratio = 1.46 (Enterprise Value 5.16b / Total Assets 3.53b)
Interest Expense / Debt = 5.44% (Interest Expense 76.9m / Debt 1.41b)
Taxrate = 32.03% (9.80m / 30.6m)
NOPAT = 127.4m (EBIT 187.4m * (1 - 32.03%))
Current Ratio = 1.56 (Total Current Assets 330.6m / Total Current Liabilities 212.2m)
Debt / Equity = 0.80 (Debt 1.41b / totalStockholderEquity, last quarter 1.77b)
Debt / EBITDA = 4.10 (Net Debt 1.30b / EBITDA 316.3m)
Debt / FCF = 4.22 (Net Debt 1.30b / FCF TTM 307.5m)
Total Stockholder Equity = 1.85b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.19% (Net Income 42.4m / Total Assets 3.53b)
RoE = 2.29% (Net Income TTM 42.4m / Total Stockholder Equity 1.85b)
RoCE = 6.02% (EBIT 187.4m / Capital Employed (Equity 1.85b + L.T.Debt 1.26b))
RoIC = 3.85% (NOPAT 127.4m / Invested Capital 3.31b)
WACC = 7.47% (E(3.86b)/V(5.27b) * Re(8.85%) + D(1.41b)/V(5.27b) * Rd(5.44%) * (1-Tc(0.32)))
Discount Rate = 8.85% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -23.26 | Cagr: -0.14%
[DCF] Terminal Value 77.97% ; FCFF base≈275.0m ; Y1≈315.2m ; Y5≈463.9m
[DCF] Fair Price = 9.65 (EV 6.98b - Net Debt 1.30b = Equity 5.68b / Shares 589.0m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 84.73 | EPS CAGR: 16.16% | SUE: 1.33 | # QB: 3
Revenue Correlation: 99.83 | Revenue CAGR: 10.53% | SUE: N/A | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.11 | Chg30d=-2.03% | Revisions=-22% | Analysts=11
EPS current Year (2026-12-31): EPS=0.45 | Chg30d=+2.90% | Revisions=+62% | GrowthEPS=+26.0% | GrowthRev=+9.9%
EPS next Year (2027-12-31): EPS=0.52 | Chg30d=+3.39% | Revisions=+46% | GrowthEPS=+15.5% | GrowthRev=+8.9%
[Analyst] Revisions Ratio: +41% (up=19, down=7)