CCC Intelligent Solutions Holdings Inc. (CCC)

Key figures

The last twelve months reported, with the latest price and balance sheet.

Revenue, last twelve months

$1.1B

Revenue growth

11.6%

Net income, last twelve months

$42.4M

Earnings per share

$0.08

Gross margin

73.5%

Operating margin

15.9%

Net margin

3.8%

Free cash flow

$307.5M

Return on equity

2.4%

Market value

$4.5B

Price to earnings

95.8x

Cash

$115.9M

Debt

$1.3B

Debt to equity

0.72

Shares outstanding

587.8M

Financial statements

Revenue, profit and cash flow by fiscal year, each year linked to its annual report.

By quarter

What the company said with its results

From the third quarter of 2026 results, filed 29 October 2026.

• Revenue rose 10.1%. Total revenue was $294.1 million, up 10.1% from $267.1 million a year earlier.
• Adjusted EBITDA rose 18.5%. Adjusted EBITDA was $130.5 million, up from $110.1 million. The adjusted EBITDA margin was 44%, against 41% a year earlier.
• GAAP net income turned positive. GAAP net income was $30.2 million, against a net loss of $2.0 million a year earlier.
• Adjusted net income rose to $75.1 million. Adjusted net income was $75.1 million, up from $59.4 million. Adjusted diluted EPS was $0.13, against $0.09.
• GAAP gross margin was 74%. GAAP gross margin was 74%, against 72%. GAAP gross profit was $218.0 million, up from $193.0 million.
• Adjusted gross margin fell to 76%. The adjusted gross profit margin was 76%, against 78% a year earlier. Adjusted gross profit was $224.6 million.
• GAAP operating income rose to $57.4 million. GAAP operating income was $57.4 million, against $30.0 million. Adjusted operating income was $115.7 million, against $93.0 million.
• Stock compensation fell; M&A costs rose. Stock-based compensation and related employer payroll tax was $31.8 million, against $39.8 million. M&A and integration costs were $3.7 million, against $0.2 million.
• AI revenue run-rate reached $130 million. AI-related revenue reached an annualized run-rate of about $130 million in the quarter, up 40% year over year. The run-rate was about $120 million in the second quarter.
• Insurers moved from experiment to deployment. Management said the AI growth reflects customers moving from experimenting with AI to deploying it at scale.
• Largest Medhub auto casualty adoption. A top-five insurer became the largest adopter of Medhub for Auto Casualty, which uses AI to extract insights from medical records. The company called it the largest EvolutionIQ application in P&C auto.
• Operating cash flow and free cash flow rose. Cash from operations was $100.4 million and free cash flow was $82.5 million, against $94.8 million and $78.6 million a year earlier.
• Nine-month free cash flow rose. Free cash flow for the nine months was $206.5 million, against $149.6 million in the prior-year period.
• Cash and total debt at quarter-end. Cash and cash equivalents were $202.9 million and total debt was $1.28 billion at September 30, 2026.

Revenue by segment

As the company reports it in the segment note of its annual report.

By business, FY2025

By product, FY2025

By region, FY2025

Company events

The newest 8-K filings of 81 held.

Every filing

The newest filings with the SEC of 188 held.

Insider trades

Form 4 trades by officers, directors and 10% owners, last 12 months.

Planned insider sales

Form 144 notices, filed when the sell order goes to the broker.

Large holders

Schedule 13D and 13G filings by holders of more than 5% of the voting shares.

Trades by members of the House

From each member's periodic transaction report.

Short interest

Shares sold short and not yet bought back, on each FINRA settlement date.

Funds that hold it

From each fund's latest Form 13F.

439 funds held it at 30 Jun 2026: 148 added and 164 trimmed in the quarter. The largest:

Peers

Companies in the same industry.

• Microsoft Corp. (MSFT): revenue $346.4B, market value $3.95T
• Palantir Technologies Inc. (PLTR): revenue $6.2B, market value $473.1B
• Oracle Corp. (ORCL): revenue $71.8B, market value $436.3B
• SAP SE (SAP): revenue $41.6B, market value $276.7B
• CrowdStrike Holdings, Inc. (CRWD): revenue $5.4B, market value $273.1B
• Shopify Inc. (SHOP): revenue $13.3B, market value $218.4B
• Salesforce, Inc. (CRM): revenue $43.9B, market value $199.5B
• ServiceNow, Inc. (NOW): revenue $15.4B, market value $155.6B
• Snowflake Inc. (SNOW): revenue $5.4B, market value $119.8B
• Cloudflare, Inc. (NET): revenue $2.5B, market value $113.0B

What the company does

CCC was founded in 1980 and provides Software-as-a-Service ("SaaS") and AI software for what it calls the insurance economy: insurers, repairers, automakers and parts suppliers. Its cloud platform connects more than 35,000 businesses. The business rests on two pillars, automotive insurance claims and automotive collision repair. CCC has more than 300 insurers on its network, connected with more than 30,500 repair facilities. It had approximately 2,185 employees at 31 December 2025.

How the business is organised

CCC operates in one reportable segment, and its chief executive officer reviews results on a consolidated basis.

- CCC Insurance Solutions: approximately 49%, of which 94% is software revenue and 6% is other revenue. - CCC Repair Solutions: approximately 43%, with nearly 100% software revenue. - CCC Ecosystem and Other Solutions: approximately 7%, of which 89% is software revenue and 11% is other revenue. - CCC International Solutions: approximately 1%, all software revenue.

Software subscriptions make up 96% of total revenue. The rest is mainly professional services and other non-software services.

What it sells

Medhub, a bodily injury claims synthesis tool, is available for disability, workers' compensation and auto casualty claims.

CCC started Direct Repair Programs ("DRP") in the United States in 1992. These programs link insurers and repair shops, and the filing says CCC's technology facilitates the majority of them.

In China, CCC sells workflow, estimating, audit and analytics software to automotive insurers. Products are sold individually or in packages.

Who buys from it

CCC counts more than 35,000 customers:

- More than 300 insurers, including 27 of the top 30 automotive insurance carriers and 9 of the top 15 disability insurance carriers in the U.S., based on direct written premiums. - More than 30,500 collision repair facilities, including all of the national multi-store operators. - More than 6,000 parts and diagnostics suppliers. - 14 of the top 15 automotive manufacturers.

Insurer contracts average about three to five years, and repair facility contracts average about three years. Implementations take less than three months on average and are done mainly by CCC's own service and training teams. Sales teams are split by customer type. Small and midsize business sales use account teams and inside sales, while larger insurers and automakers get enterprise and regional account teams. CCC also publishes an industry dataset called Crash Course and holds an invitation-only Industry Conference each year.

Technology and data

The platform runs in a multi-tenant public cloud. It has over 888,000 registered users and processes 5.7 billion database transactions per day. CCC began offering cloud capabilities in 2003. It reports system availability of 99.9% since January 2021 and more than 1,700 software releases in 2025.

The network handles more than 600 million interface transactions a year, and CCC stores nearly 800 million photos a year. CCC has developed more than 400 AI models. More than 125 U.S. insurers and more than 15,000 U.S. collision repairers use AI-powered solutions in production.

How it competes

The filing calls the insurance economy software market highly competitive and fragmented. It names four groups of competitors:

- Software that customers build themselves, often with consulting firms. - Insurance software vendors. - Large horizontal technology providers. - Other ecosystem vendors, such as collision repair software and parts e-commerce platforms.

CCC says it believes it competes favorably on each. It owned 33 issued U.S. patents at 31 December 2025, with 13 applications pending, and uses confidentiality and invention assignment agreements with employees and contractors.

Its people

CCC had approximately 2,185 employees and 568 contingent employees. Of the employees, approximately 2,105 are in the U.S. and 80 are international. None are represented by a labor union, and the company reports no work stoppages. It offers a flexible work model, a 401(k) with match, an Employee Stock Purchase Program, tuition reimbursement and a formal internship program.

*From CCC's annual report on Form 10-K for the year ended 31 December 2025. [The filing](https://www.sec.gov/Archives/edgar/data/1818201/000119312526067448/ccc-20251231.htm)*

From the company's 10-K.