Start here if you're new
what it is
CCC sells the software that helps insurers and repair shops move a car claim from crash to payment.
how it gets paid
Last year Ccc Intelligent made $1.1B in revenue. automotive insurance claims was the main engine at $0.66B, or 60% of sales.
why it's growing
Revenue grew 11.9% last year. The number that mattered was -$0.01 EPS, because it shows revenue growth is outrunning shareholder profit.
what just happened
CCC printed $779M in quarterly revenue, but EPS still came in at -$0.01.
At a glance
B++ balance sheet — above average — nothing keeping you up at night
0.7x trailing p/e — the market's not buying it — or you found a deal
2.1% return on capital — nothing to write home about
$0.04 fy2024 eps est
$945M fy2024 rev est
xvary composite: 54/100 — below average
What they do
CCC sells the software that helps insurers and repair shops move a car claim from crash to payment.
CCC sits in the middle of a very sticky network. It connects more than 300 insurers with over 29,500 repair facilities, according to the company description in the primary research. Network effect → more users make the platform harder to leave → so what: if your insurer, shop, and workflow already live there, switching is painful.
How they make money
$1.1B
annual revenue · their business grew +11.9% last year
automotive insurance claims
$0.66B
collision repair workflows
$0.22B
insurer network and commerce
$0.14B
ai, telematics, and other adjacencies
$0.08B
The products that matter
claims and estimate workflow software
CCC ONE
25,000+ repair facilities
it's the estimating system used by over 25,000 repair shops. That's why CCC sits in the middle of the repair workflow instead of selling just another point solution.
workflow anchor
subscription software revenue base
Subscription & Services
$866M · 82% of revenue
this $866M segment is the business. It grew 12% and carries the recurring revenue profile investors actually care about.
82% of revenue
ai-enabled claims automation
AI Claims Platform
$100B+ claims volume
it processed over $100B in claims in 2025. That's the scale argument for cross-sell and automation upside, even if the market still wants proof that AI lifts growth, not just slide decks.
automation bet
Key numbers
$1.1B
annual revenue
That is the scale. You are not buying a concept stock here; you are buying a real software business with a billion-dollar top line.
$0.04
2024 EPS
EPS → profit per share → so what: after all that revenue, shareholders saw just four cents.
73.4%
gross margin
Gross margin → money left after direct costs → so what: the software economics are strong, even if net profit is not.
$1.0B
long-term debt
Debt is 22% of capital in the primary research. That is fine in a stable business, but less comfortable when profit is thin.
Financial health
B++
strength
- balance sheet grade B++ — above average financial health
- risk rank 3 — safer than 50% of stocks
- price stability 60 / 100
- long-term debt $1.0B (22% of capital)
B++ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for CCC right now.
source: institutional data · return history unavailable
What just happened
missed estimates
CCC printed $779M in quarterly revenue, but EPS still came in at -$0.01.
Revenue growth was huge at 192% vs. prior year, and gross margin was 73.4%, based on the SEC-verified figures provided. The quiet part: a software company can post that margin and still barely earn money.
$779M
revenue
-$0.01
eps
73.4%
gross margin
the number that mattered
The number that mattered was -$0.01 EPS, because it shows revenue growth is outrunning shareholder profit.
source: company earnings report, 2026
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What could go wrong
the #1 risk is whether CCC's repair-shop footprint is a durable moat or just a sticky workflow that grows slower from here.
med
the moat debate is the stock debate
More than 25,000 repair facilities use the platform, which is real scale. But at least one outside source still says the company lacks an economic moat. If customers prove sticky but not locked in, the multiple stays capped.
Impact: valuation compression matters more when the market already knows this is a high-margin software business.
med
guidance now has less room for excuses
Q4 revenue grew 12.7%, and full-year revenue hit $1.057B. That resets expectations. Morgan Stanley cutting its target to $9 despite an Overweight rating tells you the street likes the business more than the near-term growth setup.
Impact: if low-teens growth slips toward single digits, this stops looking like a platform re-rating story and starts looking like a mature niche software stock.
med
the buyback has to create value, not just optics
Management authorized $500M of repurchases while carrying $1.0B in long-term debt. That can work if cash generation stays strong and the stock is actually cheap. It looks worse if repurchases mask slower operating momentum.
Impact: you are effectively underwriting both execution and management's timing on capital returns.
A slower growth rate would hit the story from two directions at once: it would weaken the moat argument and make that $500M buyback look less like discipline and more like support.
source: institutional data · regulatory filings · risk analysis
Pay attention to
growth
does low-teens growth hold after the $1B milestone
Q4 grew 12.7% and full-year revenue reached $1.057B. If growth starts fading from here, the market will stop paying for the platform story.
next report
q1 2026 guidance check
The next earnings print needs to confirm that 2026 guidance was not set off one strong quarter and a good press release.
margin
gross margin staying above 70%
73.4% gross margin is one of the clearest signs this is real software. If that starts slipping, the business mix is getting worse or pricing power is weaker than it looks.
buyback
how quickly the $500M repurchase gets used
On a roughly $4B market cap, this is big enough to move per-share math. You want disciplined execution, not reflexive support buying.
Analyst rankings
risk profile
average
risk rank 3 — typical risk profile — neither especially safe nor risky.
chart momentum
below average
momentum rank 4 — analysts see underperformance risk in the near term.
source: institutional data
Institutional activity
institutional ownership data for CCC is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$8
current price
n/a
target midpoint · n/a from current
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