(CCCS) CCC Intelligent Solutions - Ratings and Ratios
Cloud Platform, Claims Workflow, Estimating Tools, Repair Network
Dividends
Currently no dividends paid| Risk via 10d forecast | |
|---|---|
| Volatility | 33.4% |
| Value at Risk 5%th | 49.8% |
| Relative Tail Risk | -9.22% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -1.53 |
| Alpha | -50.00 |
| CAGR/Max DD | -0.09 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.461 |
| Beta | 0.719 |
| Beta Downside | 0.586 |
| Drawdowns 3y | |
|---|---|
| Max DD | 47.42% |
| Mean DD | 16.90% |
| Median DD | 15.66% |
Description: CCCS CCC Intelligent Solutions November 06, 2025
CCC Intelligent Solutions Holdings Inc. (NASDAQ: CCCS) is a SaaS provider that powers the property-and-casualty (P&C) insurance ecosystem in the United States and China. Its cloud platform links insurers, repair shops, automakers, parts suppliers, lenders and other trading partners, delivering AI-enabled digital workflows for claims handling, estimating, sub-rogation, repair management, payments and related services.
According to the company’s 2023 Form 10-K, CCC generated roughly **$1.5 billion in revenue**, up about **8 % year-over-year**, with an **annual recurring revenue (ARR) base near $1.2 billion**. The firm reports that its AI-driven estimating tools have cut average claim-to-settlement times by **≈30 %**, a key efficiency lever as the U.S. P&C market (≈$600 billion in premium) continues to digitize. Growth in China remains modest but is a strategic focus, given the country’s rapidly expanding auto insurance penetration (projected CAGR ≈ 12 % through 2028). Core sector drivers include rising consumer expectations for fast digital claims, regulatory pressure for transparent loss processing, and broader insurtech investment that fuels adoption of cloud-based platforms.
If you want a data-rich, independent perspective on how CCC’s valuation stacks up against peers, a quick look at ValueRay’s analyst toolkit can help you surface the most material assumptions and sensitivity analyses.
Piotroski VR‑10 (Strict, 0-10) 4.5
| Net Income (-2.86m TTM) > 0 and > 6% of Revenue (6% = 61.5m TTM) |
| FCFTA 0.05 (>2.0%) and ΔFCFTA -1.42pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 10.98% (prev 34.62%; Δ -23.64pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.06 (>3.0%) and CFO 215.2m > Net Income -2.86m (YES >=105%, WARN >=100%) |
| Net Debt (-26.7m) to EBITDA (189.9m) ratio: -0.14 <= 3.0 (WARN <= 3.5) |
| Current Ratio 1.52 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (631.4m) change vs 12m ago -1.71% (target <= -2.0% for YES) |
| Gross Margin 73.83% (prev 75.65%; Δ -1.82pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 30.89% (prev 29.76%; Δ 1.13pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.98 (EBITDA TTM 189.9m / Interest Expense TTM 68.0m) >= 6 (WARN >= 3) |
Altman Z'' -1.82
| (A) 0.03 = (Total Current Assets 330.7m - Total Current Liabilities 218.0m) / Total Assets 3.53b |
| (B) -0.37 = Retained Earnings (Balance) -1.32b / Total Assets 3.53b |
| (C) 0.02 = EBIT TTM 66.8m / Avg Total Assets 3.32b |
| (D) -0.90 = Book Value of Equity -1.32b / Total Liabilities 1.46b |
| Total Rating: -1.82 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 59.79
| 1. Piotroski 4.50pt |
| 2. FCF Yield 3.16% |
| 3. FCF Margin 17.23% |
| 4. Debt/Equity 0.03 |
| 5. Debt/Ebitda -0.14 |
| 6. ROIC - WACC (= -6.47)% |
| 7. RoE -0.14% |
| 8. Rev. Trend 99.60% |
| 9. EPS Trend 0.99% |
What is the price of CCCS shares?
Over the past week, the price has changed by +3.50%, over one month by +2.95%, over three months by -21.47% and over the past year by -37.25%.
Is CCCS a buy, sell or hold?
- Strong Buy: 6
- Buy: 4
- Hold: 4
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the CCCS price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 11.9 | 55.2% |
| Analysts Target Price | 11.9 | 55.2% |
| ValueRay Target Price | 7.3 | -4.8% |
CCCS Fundamental Data Overview December 11, 2025
P/E Forward = 17.9856
P/S = 5.4774
P/B = 2.1662
Beta = 0.721
Revenue TTM = 1.03b USD
EBIT TTM = 66.8m USD
EBITDA TTM = 189.9m USD
Long Term Debt = 761.1m USD (from longTermDebt, last fiscal year)
Short Term Debt = 17.7m USD (from shortTermDebt, last quarter)
Debt = 70.5m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -26.7m USD (from netDebt column, last quarter)
Enterprise Value = 5.59b USD (5.62b + Debt 70.5m - CCE 97.1m)
Interest Coverage Ratio = 0.98 (Ebit TTM 66.8m / Interest Expense TTM 68.0m)
FCF Yield = 3.16% (FCF TTM 176.7m / Enterprise Value 5.59b)
FCF Margin = 17.23% (FCF TTM 176.7m / Revenue TTM 1.03b)
Net Margin = -0.28% (Net Income TTM -2.86m / Revenue TTM 1.03b)
Gross Margin = 73.83% ((Revenue TTM 1.03b - Cost of Revenue TTM 268.4m) / Revenue TTM)
Gross Margin QoQ = 72.24% (prev 74.49%)
Tobins Q-Ratio = 1.59 (Enterprise Value 5.59b / Total Assets 3.53b)
Interest Expense / Debt = 25.69% (Interest Expense 18.1m / Debt 70.5m)
Taxrate = 114.7% (out of range, set to none) (15.4m / 13.4m)
NOPAT = unknown (EBIT/Op.Income or Taxrate missing)
Current Ratio = 1.52 (Total Current Assets 330.7m / Total Current Liabilities 218.0m)
Debt / Equity = 0.03 (Debt 70.5m / totalStockholderEquity, last quarter 2.13b)
Debt / EBITDA = -0.14 (Net Debt -26.7m / EBITDA 189.9m)
Debt / FCF = -0.15 (Net Debt -26.7m / FCF TTM 176.7m)
Total Stockholder Equity = 2.11b (last 4 quarters mean from totalStockholderEquity)
RoA = -0.08% (Net Income -2.86m / Total Assets 3.53b)
RoE = -0.14% (Net Income TTM -2.86m / Total Stockholder Equity 2.11b)
RoCE = 2.33% (EBIT 66.8m / Capital Employed (Equity 2.11b + L.T.Debt 761.1m))
RoIC = 2.08% (EBIT 66.8m / (Assets 3.53b - Curr.Liab 218.0m - Cash 97.1m))
WACC = 8.55% (E(5.62b)/V(5.69b) * Re(8.66%) + (debt cost/tax rate unavailable))
Discount Rate = 8.66% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 1.09%
[DCF Debug] Terminal Value 79.42% ; FCFE base≈186.1m ; Y1≈228.8m ; Y5≈387.5m
Fair Price DCF = 9.13 (DCF Value 5.86b / Shares Outstanding 642.0m; 5y FCF grow 24.56% → 3.0% )
EPS Correlation: 0.99 | EPS CAGR: 3.19% | SUE: 0.0 | # QB: 0
Revenue Correlation: 99.60 | Revenue CAGR: 9.96% | SUE: 1.23 | # QB: 3
EPS next Quarter (2026-03-31): EPS=0.09 | Chg30d=+0.002 | Revisions Net=+2 | Analysts=8
EPS next Year (2026-12-31): EPS=0.41 | Chg30d=+0.006 | Revisions Net=+0 | Growth EPS=+14.5% | Growth Revenue=+9.0%
Additional Sources for CCCS Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle