One-glance verdict
Undervalued
$14.90 our estimate vs market $7.70
Wall Street consensus: $7.75 (-48.0% lower than our fair-value estimate)
48% below our estimate, below the bear case
Fundamentals snapshot
CCC Intelligent Solutions Holdings Inc.
CCC · NMS · Technology · Software - Application
Current price
$7.70
52-week range
$4.08 - $9.44
Market cap
$4.55B
Balance sheet
Stretched
1.32x Concerning
Net debt $1.26B. Interest coverage shows how many times profit covers the interest bill.
What stands out
2 Rewards
1 Risk
2 rewards · 1 risks
- Reward Revenue grew 3.3% last year.
- Reward Free cash flow was positive in 7/10 years.
- Risk Net debt grew 141.5% over 3 years.
What this company does
CCC Intelligent Solutions Holdings Inc.
CCC Intelligent Solutions Holdings Inc. is a company that provides software to help insurance companies and car repair shops work together smoothly, mainly through its online platform where money comes from subscriptions for this software. This is important because it helps make the process of handling insurance claims and repairs much faster and more efficient.
How the company got here
CCC Intelligent Solutions started in 1980, long before the internet was common, with a focus on helping the insurance industry manage claims. Over the decades, it evolved by embracing technology, moving from older systems to a cloud-based software platform. This shift allowed it to connect more players in the auto insurance world, like repair shops and car makers, making the process of handling accidents and repairs smoother. The company's growth has been driven by its ability to digitize and streamline complex processes within the insurance and automotive sectors.
What it actually does
Imagine you've been in a car accident. CCC Intelligent Solutions provides the software that helps manage everything that happens next. It's like a digital highway connecting insurance companies, car repair shops, and even car manufacturers. This software helps with tasks like estimating the cost of repairs, managing the flow of work at a body shop, and processing insurance claims. Essentially, CCC's technology makes the complicated process of dealing with car damage and insurance claims more efficient for everyone involved.
CCC Insurance Solutions
This is a core part of CCC's business, focusing on the insurance companies themselves. It offers a suite of tools designed to manage various types of insurance claims, from simple car damage estimates to more complex bodily injury or workers' compensation cases. These solutions help insurers process claims faster and more accurately by using AI-enabled digital workflows. Think of it as the digital brain that helps insurance companies figure out what needs to be paid and how to handle a claim efficiently.
CCC Repair Solutions
This segment is all about supporting the businesses that fix cars after an accident. CCC provides software that helps repair shops manage their daily operations, from estimating the damage and creating repair orders to managing customer appointments and billing. It also includes tools to help ensure the quality of repairs and manage relationships with insurance companies. This helps repair shops run their businesses more smoothly and communicate effectively with insurers.
CCC Ecosystem and Other Solutions
This is a broader category that connects various parts of the automotive and insurance industries. It includes solutions for managing car parts, facilitating communication with automotive manufacturers, and even handling payments between different parties. CCC also offers services for diagnostic information providers. Essentially, this part of the business builds bridges between different companies and services within the automotive and insurance world, making transactions and information sharing easier.
CCC International Solutions
While CCC's primary focus is the United States, this segment represents its operations and offerings in other countries, notably China. It adapts the company's core software solutions to meet the needs of international markets. This allows CCC to expand its reach beyond its home base, offering its expertise in digitizing insurance and automotive processes to a global clientele.
What management is betting on now
CCC's management is focused on leveraging artificial intelligence (AI) to make its software even smarter and more efficient. They are investing in AI to improve how claims are estimated, how repairs are managed, and how data is synthesized across the industry. The goal is to create a more connected and intelligent ecosystem for the property and casualty insurance economy. By embedding AI deeper into their platform, they aim to provide greater value to insurers, repairers, and other partners, driving further digitization and automation.
Price history
How the share price has moved
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Earnings history
Last 8 quarters — what happened
Click any quarter to read the call summary and what the numbers say.
FY2024 Q3
$49.38M
FY2024 Q4
$105.71M
FY2025 Q1
$43.65M
FY2025 Q2
$27.35M
FY2025 Q3
$78.63M
FY2025 Q4
$104.88M
FY2026 Q2
$124.03M
Revenue
$285.93M
Net income
$20.79M
Diluted EPS
0.04
Operating cash flow
$159.03M
Free cash flow
$124.03M
Fetching…
Sources
Revenue
$277.87M
Net income
$8.12M
Diluted EPS
0.01
Operating cash flow
$119.16M
Free cash flow
$104.88M
Fetching…
Sources
Revenue
$267.12M
Net income
$-1.97M
Diluted EPS
0.00
Operating cash flow
$94.77M
Free cash flow
$78.63M
Fetching…
Sources
Revenue
$260.45M
Net income
$12.96M
Diluted EPS
0.02
Operating cash flow
$43.06M
Free cash flow
$27.35M
Fetching…
Sources
Revenue
$251.56M
Net income
$-17.42M
Diluted EPS
-0.03
Operating cash flow
$58.49M
Free cash flow
$43.65M
Fetching…
Sources
Revenue
$246.46M
Net income
$6.26M
Diluted EPS
0.01
Operating cash flow
$113.64M
Free cash flow
$105.71M
Fetching…
Sources
Revenue
$238.48M
Net income
$4.13M
Diluted EPS
0.00
Operating cash flow
$63.23M
Free cash flow
$49.38M
Fetching…
Sources
Is it cheap or expensive?
Fair value $14.90 vs current price $7.70
Wall Street consensus is the average analyst price target: $7.75 (-48.0% lower than our fair-value estimate).
Our most-likely fair value is $14.90 a share — about 93.5% above today's price of $7.70, so the stock currently looks cheap (undervalued).
Is it drowning in debt?
Stretched
Net debt $1.3B. Interest coverage 1.3x.
Net debt
$1.26B
Interest coverage
1.32x
CCC Intelligent Solutions Holdings Inc.'s profit covers its interest bill about 1.3 times over. which is weaker than most peers shown here.
Stretched
Worse cushion
Baseline
Better cushion
CCC
BASELINE
CCC Intelligent Solutions Holdings Inc.
Total debt $1.38B Interest coverage 1.32x This is the baseline the peer rows are being compared against.
Total debt $714.99M Interest coverage 11.25x +751% vs CCC Carries about 8.5x more debt cushion than CCC.
Total debt $4.62B Interest coverage 7.86x +495% vs CCC Carries about 6.0x more debt cushion than CCC.
Total debt $88.37M Interest coverage 99.03x +7,393% vs CCC Carries about 74.9x more debt cushion than CCC.
Total debt $4.70B Interest coverage 3.86x +192% vs CCC Carries about 2.9x more debt cushion than CCC.
What you should know
The case for and against CCC
2 Rewards
1 Risk
Rewards
-
Revenue grew 3.3% last year.
-
Free cash flow was positive in 7/10 years.
Risks
-
Net debt grew 141.5% over 3 years.
The numbers
All the key metrics, grouped by purpose
Tap any ? icon to learn what it means.
Valuation
How expensive the stock looks
P/E (TTM)
110.00x
Forward P/E
14.61x
P/B
2.55x
P/S
4.09x
EV/EBITDA
18.26x
PEG ratio
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Profitability
How much profit each dollar creates
Gross margin
75.1%
Operating margin
16.7%
Net margin
3.8%
ROE
2.2%
ROA
3.3%
Health
Liquidity and balance-sheet strength
Debt / equity
0.78x
Current ratio
1.56x
Quick ratio
1.29x
Total debt
$1.38B
Total cash
$115.86M
Growth
How the business has been compounding
Revenue TTM
$1.09B
Revenue 5Y CAGR
11.3%
EPS TTM
0.07
EPS 5Y CAGR
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Cash flow
How much cash the business throws off
Operating CF TTM
$416.02M
Free CF TTM
$254.51M
FCF margin
23.3%
Dividend
Shareholder payout
Yield
0.0%
Payout ratio
0.0%
Last ex-div date
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