CCC Intelligent Solutions Holdings Inc Dossier - Source-backed chat

CCC Intelligent Solutions Holdings Inc

CCCSNASDAQ

SectorInformation Technology

IndustrySoftware - Application

Beta (adjusted)0.64

Intrinsic Value $9.45median of 5 methods · middle span $8-$14based on filings through 30 Jun 2026

Market Price $6.62Price as of 1 Oct 2026

UndervaluedIntrinsic value is 43% above the market price

−50% · IV below pricenear fair value ±15%IV above price · +50%

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Market Cap $3.9B

Enterprise Value $5.1B

Shares Outstanding 618.7M diluted

Moat Rating None

Next Earnings Date29 Oct 2026

All prices and values are periodic snapshots, not live quotes. Source dates are shown for reference.

Thesis

Street consensus, scenarios, merits, risks, and invalidation triggers

AI-assisted

Thesis Summary

CCC Intelligent Solutions (CCC) is a highly entrenched SaaS and AI platform powering the P&C insurance economy. With over 35,000 connected businesses, including 18 of the top 20 U.S. auto insurers, CCC operates a multi-sided network with a powerful competitive moat. The company's transition to AI-enabled workflows (such as Estimate-STP) and expansion into adjacent markets like casualty and workers' compensation (via the EvolutionIQ acquisition) provide a long runway for growth. Despite recent software sector pressure and a hawkish Fed environment, CCC's high gross dollar retention (98-99%), robust free cash flow generation, and active $500M share buyback program support a strong recovery narrative.

This section is the 12-month view: analyst targets and the probability-weighted scenarios built from them. The intrinsic value at the top of this page answers a different question: what the business is worth today.

Street view · analyst 12-month targets10 analysts · as of 18 Aug 2026

Low · most bearish analyst$6.50

Mean target$8.75

High · most bullish analyst$14.00

Our research · scenarios, merits, risks, and invalidation triggersResearch as of 18 Sep 2026

Scenarios · 12-month scenario targetsAnchored at research date

Bear CaseDownside scenario

Slower-than-expected AI adoption and integration risks from the EvolutionIQ acquisition weigh on growth. Persistent declines in industry claim volumes create a drag on transactional revenues, while intense competition in the InsurTech space limits pricing power.

Base CaseCentral scenario

CCC continues to steadily expand its AI product suite, driving gradual adoption among Tier 1 insurers. The casualty and workers' compensation segments grow faster than the core business, offsetting near-term headwinds from moderating claim volumes. Operating margins expand toward the long-term 80% gross margin target as SaaS scale kicks in.

Scenarios are anchored to street consensus at the research date, with our probabilities and rationale.

Key Investment Merits

Entrenched multi-sided network connecting insurers, repairers, parts suppliers, and OEMs, creating high switching costs.
Highly predictable business model with 85% of revenue derived from recurring software subscriptions.
Strong financial profile characterized by 98-99% gross dollar retention and robust free cash flow generation.
Significant growth optionality from AI-driven workflow automation and expansion into the casualty and workers' compensation markets

Key Investment Risks

Customer concentration risk with reliance on a small number of large insurance carriers.
Sensitivity of transactional revenue to fluctuations in overall automotive claims volume.
Integration and execution risks associated with the EvolutionIQ acquisition and expansion into new insurance lines.
Slower-than-expected customer adoption of advanced AI-powered estimating and routing tools.

Thesis Invalidation Triggers

Gross dollar retention dropping below 95%, indicating a breakdown in customer lock-in.
Failure to achieve meaningful cross-sell traction with EvolutionIQ products within 18 months.
A major security breach or platform outage that damages the company's reputation and trust within the insurance ecosystem.

All scenarios are estimates and subject to change. Past performance is not indicative of future results.

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Explore this dossier

ValuationIntrinsic value, the six-method breakdown, peer medians, and your assumptions sandbox.Financial SnapshotRevenue, profitability, returns, balance sheet, dividends, and the filing-level detail.Qualitative AnalysisBusiness overview, strategic initiatives, and mergers, acquisitions & partnerships.Outlook & Key DatesForward estimates, reporting calendar, and the monitoring framework.