CCC Intelligent Solutions Holdings Inc. (CCC)

Price$6.87Cached quoteAs of 2026-09-25 04:33 UTC

AI: Fair-priced

Price checkThe shares look fairly priced because strong growth is balanced by debt and costly stock compensation.

At the observed market price, roughly 588 million shares imply an equity value near $4.3 billion. Adding about $1.21 billion of net debt gives an enterprise value near $5.5 billion. Against the midpoint of management’s $485-$491 million 2026 adjusted EBITDA guidance, that is about 11 times adjusted EBITDA, a measure of operating profit before interest, taxes, depreciation, amortization and selected adjustments. Trailing free cash flow is roughly $308 million, about 7% of equity value. Those are reasonable recovery-growth multiples rather than a clear bargain.

Big pictureCash generation is improving, but acquisition debt leaves less room for mistakes.

Revenue rose 11.9% to $1.057 billion in 2025, while operating cash flow reached $315 million and capital spending was $61 million. That produced about $255 million of free cash flow, meaning cash left after running and investing in the business. First-half 2026 free cash flow improved to $124 million from $71 million a year earlier. The balance sheet is less comfortable: June net debt was about $1.21 billion after acquisition-related borrowing, although current assets of $331 million still exceeded current liabilities of $212 million.

Business strengthSubscription revenue is durable, and customer expansion supports steady growth despite claims-related swings.

Software subscriptions supplied 96% of first-half 2026 revenue, giving CCC more predictable sales than a purely transaction-driven claims business. Second-quarter revenue increased 9.8% to $286 million; roughly seven percentage points came from existing customers buying upgrades or more solutions and two points from new customers. Gross margin remained about 74%. The company also has long-term customer relationships and no single customer represented more than 10% of 2025 revenue. Insurance and repair activity can fluctuate, but embedded subscription workflows reduce that cyclicality.

What could change the storyFurther growth and smart buybacks could add value, while slower growth would expose the debt burden.

The bull case needs revenue growth near the current 10% pace and continued strong cash conversion. Management expects about $1.16 billion of 2026 revenue and roughly $488 million of adjusted EBITDA. Buybacks have also mattered: shares outstanding fell from about 629 million at 2024 year-end to about 588 million by June 2026, despite shares issued for EvolutionIQ. However, 2025 stock compensation was $175 million and net debt remains above $1.2 billion. Repurchasing undervalued shares can help owners; heavy repurchases financed alongside substantial debt would be less attractive if growth slows.

AI: News

Second-quarter targets beatenSecond-quarter results beat prior targets, while management nudged full-year sales and profit guidance higher.

On July 30, CCC reported $285.9 million of revenue, up 9.8%, and $115.5 million of adjusted EBITDA, both above the ranges management had given three months earlier. Full-year revenue guidance moved to $1.158-$1.164 billion and adjusted EBITDA to $485-$491 million. The shares finished the announcement day roughly flat, although trading was volatile. That muted close does not prove investors disliked the results; it only shows that the strong operating report did not immediately produce a large closing-price gain.

Buybacks acceleratedFirst-quarter growth accelerated and aggressive repurchases sharply reduced the share count.

On April 30, CCC reported first-quarter revenue of $281.3 million, 12% above the prior year, and adjusted EBITDA of $120.2 million with a 43% margin. The company also said it had completed an accelerated repurchase covering about 43 million shares using $300 million and then bought another $100 million of stock in the open market. That capital return helped counter acquisition shares and employee compensation, materially reducing the share count available to existing investors.

Finance chief transitionAn unexpected finance-chief departure added leadership uncertainty during an otherwise strong operating update.

Also on April 30, CCC announced that Chief Financial and Administrative Officer Brian Herb would leave effective May 25 for another opportunity. Rodney Christo, a finance executive with more than 30 years at CCC, became interim chief financial officer while the company searches for a successor. Senior finance turnover can affect investor confidence, especially with significant debt and active buybacks. Because this announcement arrived alongside strong first-quarter results, any stock-price reaction cannot reliably be attributed to the leadership change alone.

Loading local price history

Revenue

2019

2020

2021

2022

2023

2024

2025

Net income

2019

2020

2021

2022

2023

2024

2025

Free cash flow

2019

2020

2021

2022

2023

2024

2025

Total cash / debt

CashTotal debt

2019

2020

2021

2022

2023

2024

2025

Financial statements

	2025	2024	2023	2022	2021	2020	2019
Revenue	$1.06B	$944.8M	$866.4M	$782.4M	$688.3M	$633.1M	$616.1M
Gross profit	$776.8M	$713.8M	$636.2M	$568.5M	$492.6M	$424.3M	$390.4M
Gross margin	73.49%	75.55%	73.43%	72.66%	71.57%	67.03%	63.37%
Research & development	$227.5M	$201.5M	$173.1M	$157.0M	$166.0M	$109.5M	$114.0M
Operating expenses	$683.0M	$633.7M	$660.1M	$516.6M	$637.3M	$347.4M	$556.6M
Operating income	$93.8M	$80.1M	−$23.9M	$51.9M	−$144.7M	$77.0M	−$166.2M
Operating margin	8.88%	8.48%	−2.76%	6.64%	−21.02%	12.16%	−26.98%
EBITDA	$152.6M	$123.0M	$13.0M	$79.8M	−$120.2M	$94.7M	−$147.8M
EBITDA margin	14.44%	13.02%	1.50%	10.20%	−17.46%	14.96%	−23.99%
Net income	$1.7M	$31.2M	−$90.1M	$38.4M	−$248.9M	−$16.9M	−$210.3M
Net profit margin	0.16%	3.31%	−10.40%	4.91%	−36.16%	−2.67%	−34.14%
Basic EPSper basic share	$0.00	$0.04	-$0.15	$0.06	-$0.46	-$0.03	-$0.42
Diluted EPSper diluted share	$0.00	$0.04	-$0.15	$0.06	-$0.46	-$0.03	-$0.42

Review official source filings ↗

Owners

Reported shareholders

Reference date Jun 30, 2026

7.46%of listed shares

PRICE T ROWE ASSOCIATES INC /MD/43.83M shares · Jun 30, 2026

View holders

Top 20 reported holders of CCC
Holder	% owned
PRICE T ROWE ASSOCIATES INC /MD/	7.46%43.83M shares
UBS Group AG	6.61%38.87M shares
VANGUARD PORTFOLIO MANAGEMENT LLC	5.81%34.13M shares
AKRE CAPITAL MANAGEMENT LLC	5.08%29.86M shares
BlackRock, Inc.	4.94%29.06M shares
VANGUARD CAPITAL MANAGEMENT LLC	4.24%24.9M shares
EDMOND DE ROTHSCHILD HOLDING S.A.	3.90%22.93M shares
RAMAMURTHY GITHESH	≈3.73%21.95M shares
NEUBERGER BERMAN GROUP LLC	2.99%17.56M shares
BROWN ADVISORY INC	2.81%16.52M shares
WASATCH ADVISORS LP	2.64%15.55M shares
Van Berkom & Associates Inc.	2.40%14.09M shares
DIMENSIONAL FUND ADVISORS LP	2.21%13.01M shares
Clarkston Capital Partners, LLC	2.13%12.52M shares
BROWN BROTHERS HARRIMAN & CO	2.12%12.49M shares
MORGAN STANLEY	2.10%12.33M shares
NOMURA HOLDINGS INC	2.04%11.96M shares
STATE STREET CORP	1.98%11.63M shares
BANK OF AMERICA CORP /DE/	1.94%11.39M shares
GOLDMAN SACHS GROUP INC	1.81%10.65M shares

Percentages use 587.84M shares of this listed class outstanding on Jun 30, 2026. ≈ compares the latest reported holding with a share total from a different date; it is not a confirmed current stake.

Gray completes the 100% scale. Reported positions may overlap; holders have different reporting dates.

Source: SEC Form 13F ↗Updated Sep 29, 2026 · Quarterly data

Insider buys & sells

Jul 1, 2024–Jun 30, 2026

Buys4$3.97M disclosed value

Sells (SEC code S)83$5.47B disclosed value

Transaction	Insider	Type	Shares	Price	Value	Owned after
Mar 24, 2026Form 4 · 10b5-1	Christo RodneyChief Accounting Officer	SellCommon Stock	5.8K	$6.17	$36.1K	0
Mar 9, 2026Form 4	Christo RodneyChief Accounting Officer	SellCommon Stock	50.3K	$6.13	$308.5K	0
Dec 15, 2025Form 4	Williams TeriDirector	SellCommon Stock	68.0K	$7.52	$511.4K	7.6K
Nov 20, 2025Form 4	Welsh Timothy ASee Remarks	BuyCommon Stock	136.7K	$7.31	$999.4K	305.2K
Nov 7, 2025Form 4	Advent International GPE VIII-C Limited Partnership +8Director	SellCommon Stock · indirect	9.08M	$7.76	$70.49M	0