CluenexCCC Intelligent Solutions CCC
CCC Intelligent Solutions scores average on business quality (4.7 of 10). Here is why, in plain words, and what our sealed record shows.
Why it matters
- What CCC Intelligent Solutions does
CCC Intelligent Solutions operates a cloud platform connecting insurance carriers, repair facilities, and parts suppliers to streamline auto claims. It charges software subscription and transaction fees to process collision claims across the automotive ecosystem. The company is leaning into AI-driven estimation tools to capture more workflow volume from insurers.
- What it does best
CCC dominates automotive claims software through a two-sided network linking insurers and repair shops. It prints a gross margin of 73.5% that easily outpaces many software peers. This entrenched network locks in users because switching platforms breaks vital supplier links.
- The main risk
AI disruption concerns weigh heavily on the stock as market participants question whether new automation tools could bypass its core claims network. The news headlines highlight persistent fears that generative technology might erode its software tollbooth model.
Quality, check by check
Scored against its own industry, from company filings.
Operating margins land at 15.9% while FCF margin hits an impressive 71st sector percentile, generating $308 million in free cash flow. Conversion remains strong, though low net margins of 3.8% reflect heavy overhead costs.
Switching costs form its primary moat, locking insurers and repair shops into a deeply integrated platform. Its gross margin sits in the 69th percentile of the sector, reflecting strong pricing power within its niche.
Revenue grew 11.9% to reach $1.1 billion, maintaining the steady top-line expansion seen across its annual history. This growth rate tracks right at the middle of its tech sector peers.
Total debt sits at $1.3 billion against just $111 million in cash, leaving a net debt burden of $1.2 billion. Interest coverage of 2.3x means debt servicing eats up a thin slice of earnings, keeping the balance sheet under pressure.
Insiders
Executives and directors, from SEC Form 4 filings we read ourselves. Open market trades only; grants, option exercises and pre-planned sales left out.
No open market buys or unplanned sales by executives or directors.
Our sealed record on CCC
Verdicts appear here 30 days after we publish them; members see today's. Each one is in the nightly ledger, fingerprinted the night it was made.
The first sealed verdicts appear here on Oct 11, 2026.
Questions
CCC Intelligent Solutions scores average on the Cluenex quality check (4.7 of 10), measured against its own industry. Profitability is fair, moat fair, growth steady and financial health weak.
In the last 90 days of SEC Form 4 filings: No open market buys or unplanned sales by executives or directors.
Oct 29, 2026.
See CCC today
- Today's verdict on CCC, and why
- Fair value with cautious, base and optimistic cases
- The exact price that would change the verdict
- Which stocks each signal names, the night it fires
Cite this page: Cluenex, “CCC Intelligent Solutions (CCC)”, https://cluenex.com/stocks/ccc/, data as of Oct 10, 2026.