CCC Intelligent Solutions Holdings Inc. Common Stock (CCC)

FairStock Score: 59/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach CCC Intelligent Solutions as a software utility for the property-and-casualty insurance economy, with a cloud platform connecting insurers, repairers, and suppliers. The business has recurring revenue and modest growth: in fiscal Q2 2026, the quarter ended 2026-06-30, revenue was $285.9M and net income $20.8M, or diluted EPS $0.04. For FY2025, the period ended 2025-12-31, revenue was $1.1B but net income only $1.7M, showing thin profitability. FY2024 had revenue $944.8M and net income $31.2M, while FY2023 recorded a $90.1M loss, so this is a turnaround per the given Lynch classification. In FY2023 loss to FY2024 profit and fiscal Q2 2026 profit show repair, but durability is unproven. Trailing free cash flow is $256.3M, a 5.6% FairStock FCF yield, which is the strongest part of the story. Still, at the 2026-10-13 close of $7.82, FairStock's P/E is 111.71, P/B is 2.59, EV/EBITDA is 17.90, and Graham Number is $2.18, implying the price is far above asset-based value. FairStock ROE is 2.17% and ROCE is 3.26%, not the high returns I want. Debt-to-equity is 0.78 and FairStock Altman Z-score is 1.04, a warning. FairStock Piotroski is 6/9, middle of the road. The moat may come from switching costs in insurance workflows, but current earnings do not prove pricing power. I would watch cash flow conversion, margin expansion, and whether revenue growth can lift net income without leverage.

In plain English: CCC Intelligent Solutions sells cloud software that helps insurance companies and auto repair shops handle claims and repairs. The business is growing and produces cash, but it earns only a small profit on its sales. At $7.82, the price looks expensive compared with those current profits and the company's accounting value.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer