CCC
CCC
$6.92
+6.46%
CCC Intelligent Solutions Holdings Inc. is a leading provider of cloud, mobile, AI, telematics, and hyperscale technologies for the property and casualty (P&C) insurance economy, offering a SaaS platform that connects trading partners and enables AI-driven digital workflows. The company holds a distinct market position as a specialized software platform for the P&C insurance industry, with a strong presence in the United States and expanding operations in China. Currently, the investor narrative centers on the company's revenue growth acceleration, improving profitability, and the potential for AI and telematics to drive long-term adoption, while also weighing concerns about valuation and competitive dynamics in the software application sector.…
CCC
CCC
$6.92
CCC 12-Month Price Forecast
Wall Street consensus
Most Wall Street analysts maintain a constructive view on CCC's 12-month outlook, with a consensus price target around $8.75 and implied upside of +26.4% versus the current price.
Average Target
$8.75
0 analysts
Implied Upside
+26.4%
vs. current price
Analyst Count
—
covering this stock
Price Range
$7 - $14
Analyst target range
Analyst coverage is moderate with 10 analysts, and the consensus recommendation is 'Buy' with a mean rating of 1.91 (where 1 is strong buy and 5 is sell). The average target price is $8.75, implying an upside of approximately 43.7% from the current price of $6.09, while the low target is $6.50 (7% upside) and the high target is $14.00 (130% upside). The wide range between low and high targets indicates high uncertainty about the company's future performance, with the high target likely assuming successful AI adoption and margin expansion, while the low target may reflect concerns about competition and slower growth. Recent institutional ratings have been mostly positive, with Morgan Stanley reiterating Overweight and Citigroup maintaining Buy, but there are also Neutral ratings from Goldman Sachs and Piper Sandler, suggesting a mixed but generally constructive outlook.
Bulls vs Bears: CCC Investment Factors
CCC presents a mixed picture: strong revenue growth, high gross margins, and positive free cash flow are offset by extreme valuation on trailing earnings, negative PEG, and a significant price decline. The bull case rests on the company's ability to sustain growth and expand margins, while the bear case highlights valuation and competitive risks. Currently, the bearish evidence is stronger due to the stock's poor price performance and valuation concerns, but the improving profitability and analyst upside suggest potential for a turnaround. The key tension is whether the market will reward CCC's growth with a higher multiple or continue to discount it due to uncertainty.
Bullish
- Accelerating Revenue Growth: CCC's revenue grew 12.74% YoY in Q4 2025, with sequential acceleration from $251.6M in Q1 to $277.9M in Q4. This consistent upward trajectory indicates strong demand for its SaaS platform in the P&C insurance economy.
- High Gross Margin of 73.5%: Gross margin stands at 73.5%, reflecting the scalable nature of its software subscriptions, which constitute 95.6% of total revenue. This provides a solid foundation for future profitability as operating leverage kicks in.
- Positive Free Cash Flow: TTM free cash flow is $281.9M, demonstrating the company's ability to generate cash despite minimal net income. This supports investment in growth initiatives and debt reduction.
- Analyst Consensus Buy with 43.7% Upside: With a mean rating of 1.91 (Buy) and an average target price of $8.75, analysts see significant upside from the current $6.09. The high target of $14.00 implies 130% upside, reflecting optimism about AI and telematics adoption.
Bearish
- Extreme Valuation on Trailing Earnings: The trailing PE is 11,357x due to minimal EPS of $0.000084, making the stock's valuation meaningless on current earnings. Even the forward PE of 11.68x relies on aggressive earnings growth expectations that may not materialize.
- Negative PEG Ratio Signals Growth Concerns: The PEG ratio of -115.46 reflects negative earnings growth expectations, contradicting the market's high valuation. This suggests the market may be overpaying for growth that is not expected to be robust.
- Significant Price Decline and Weak Relative Strength: The stock is down 22.6% YTD and 19.7% over the past 6 months, with relative strength of -32.2% vs. the S&P 500 YTD. This indicates persistent selling pressure and underperformance, which could continue.
- High Debt-to-Equity Ratio: Debt-to-equity is 0.76, indicating a leveraged balance sheet. Interest expenses of $18.1M in Q4 2025 weigh on profitability, and any rise in rates could further pressure earnings.
CCC Technical Analysis
CCC's stock has experienced a significant downtrend over the past year, with a 1-year price change of -22.62% (YTD) and a 6-month decline of -19.66%. The current price of $6.09 sits at approximately 60% of its 52-week range (low $4.08, high $10.135), indicating that the stock is trading closer to its lows than its highs, which suggests a bearish sentiment and potential value opportunity or continued weakness. The stock's beta of 0.503 indicates it is less volatile than the market, which may appeal to risk-averse investors but also reflects lower sensitivity to market rallies.
Beta
0.45
0.45x market volatility
Max Drawdown
-51.6%
Largest decline past year
52-Week Range
$4-$10
Price range past year
Annual Return
—
Cumulative gain past year
| Period | CCC Return | S&P 500 |
|---|---|---|
| 1m | +27.4% | +2.4% |
| 3m | +34.9% | +4.6% |
| 6m | +19.7% | +11.7% |
| 1y | — | +21.4% |
| ytd | -12.1% | +13.4% |
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CCC Fundamental Analysis
CCC's revenue has been growing steadily, with the most recent quarter (Q4 2025) reporting revenue of $277.865 million, a 12.74% YoY increase from $246.464 million in Q4 2024. The multi-quarter trend shows accelerating growth: Q1 2025 revenue was $251.565 million, Q2 $260.451 million, Q3 $267.120 million, and Q4 $277.865 million, indicating a consistent upward trajectory. The company's revenue is primarily driven by software subscriptions, which accounted for $520.777 million of the total, while other services contributed $24.208 million, highlighting the recurring revenue nature of the business.
Quarterly Revenue
$277865000.0B
2025-12
Revenue YoY Growth
+12.7%
YoY Comparison
Gross Margin
73.7%
Latest Quarter
Free Cash Flow
$281861000.0B
Last 12 Months
Revenue & Net Income Trends (2 Years)
Revenue Breakdown
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Valuation Analysis: Is CCC Overvalued?
Given that CCC's trailing twelve-month net income is positive (EPS of $0.000084), the PE ratio is the primary valuation metric, but it is extremely high at 11,357x trailing, which is not meaningful due to minimal earnings. The forward PE of 11.68x is more reasonable, reflecting expected earnings growth, and the gap between trailing and forward PE suggests the market anticipates significant earnings expansion. The PS ratio of 4.62x is also elevated, indicating that the market is pricing in strong future growth, but the PEG ratio of -115.46 is negative due to negative earnings growth expectations, which is a red flag.
PE
11357.1x
Latest Quarter
vs. Historical
High-End
5-Year PE Range 70x~633x
vs. Industry Avg
N/A
Industry PE ~N/A*
EV/EBITDA
25.3x
Enterprise Value Multiple
Investment Risk Disclosure
Financial risks include a high debt-to-equity ratio of 0.76, which increases interest expense (e.g., $18.1M in Q4 2025) and reduces net income. The company's minimal net income (EPS of $0.000084) makes it vulnerable to any operational hiccup, and the negative PEG ratio suggests the market expects earnings to decline. Additionally, revenue concentration in the P&C insurance sector exposes CCC to cyclicality in insurance claims and technology spending. The current ratio of 1.43 provides some liquidity, but the high leverage could strain cash flows if growth slows.