📈 Price History

Ratio Health

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By Category

📊 Sector Averages

About

CCC Intelligent Solutions Holdings Inc. operates as a software as a service (SaaS) company for the property and casualty insurance economy in the United States and China.

Key Ratios Snapshot

📈 Growth Pattern

⚡ Latest Quarter —

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🔍 Concall Decoded

🎙 Management Tone Tracker Confident Specific → Stable 4 quarters analysed

Q2 2025

Confident Specific

Management repeatedly cited specific customer wins (e.g., 'top 10 insurers contracted for multiple AI-enabled solutions', 'a top five insurer converted from pilot to full rollout'), precise financial metrics (revenue $260M, 12% growth, EBITDA $108M, 42% margin), and forward guidance figures. The tone was optimistic and detailed, not vague or defensive.

Q3 2025

Confident Specific

Management used assertive language ('strong top and bottom line results', 'ahead of guidance'), provided specific revenue ($267M, up 12% YoY) and EBITDA ($110M, 41% margin), and repeatedly cited 'momentum' and 'adoption' of AI solutions. They also raised full-year guidance low-end.

Q4 2025

Confident Specific

Management used precise financial milestones ($1B revenue, 12% growth, 85% subscription mix) and repeatedly emphasized data points like $2 trillion proprietary data and 99% retention to project assurance in AI leadership and long-term growth.

Q1 2026 latest

Confident Specific

Management used precise figures (12% revenue growth, 43% adjusted EBITDA margin, AI solutions ~10% of revenue) and named specific customer wins (top 5 auto insurer, Allstate, Liberty Mutual) with concrete timelines (two-year testing, multi-year agreements). Language like 'strong start', 'momentum', 'durable long-term growth' reinforces conviction.

Guidance Reliability Pending · <3Q data

Investor Lens

The investment thesis is strengthened after this call. Q1 revenue and EBITDA beat the high end of guidance, and full-year guidance was raised from 8.5-9.5% to 9-10% growth. AI solutions now represent ~10% of revenue, growing 3.5x the company rate, and large customer renewals (including a top 5 insurer) are expanding scope with multi-year enterprise agreements. The casualty pipeline is building with high-profile wins (Allstate, Liberty Mutual), and management’s emphasis on rising complexity as a durable tailwind reinforces long-term growth visibility. Key items to watch next quarter: the CFO transition’s impact, the ramp of new casualty deployments, the pace of AI adoption across the broader customer base, and any further color on the H2 first-party casualty headwind. Overall, the call supports confidence in sustained mid-teens revenue growth and margin expansion, though the CFO departure introduces a modest execution risk.

AI-generated concall tone analysis · Updated 2026-06-09 · Not investment advice

🎙 Management Tone Confident Specific → Stable 4 quarters Full tone analysis in Intelligence →

📊 MIXED CCC Q1 2026 revenue $281M, up 12%, adj. EBITDA margin 43%.

Revenue & Profitability

Total revenue for Q1 2026 was $281M, up 12% year-over-year and above guidance. Adjusted EBITDA was $120M, a 43% margin (up 300 bps YoY). Free cash flow was $42M (trailing twelve months $252M). Net leverage stood at 2.7x. Stock-based compensation was 11% of revenue. Q2 2026 guidance: revenue $283-$285M, adjusted EBITDA $111-$113M. Full-year 2026 guidance: revenue $1.155-$1.163B (~10% growth), adjusted EBITDA $484-$490M (~42% margin).

Outlook

Management sees rising complexity in claims (sophisticated vehicles, complex medical/casualty, increasing regulation) as a durable growth driver. Over the past decade, personal auto claim counts declined less than 1% annually while average dollars per claim grew ~6%, driving ~5% annual claims dollar growth. Management expects claims cost growth to outpace frequency moderation, making CCC's mission-critical software and AI increasingly essential.

Growth Drivers

Key growth levers include cross-sell and upsell to existing clients (accounting for 9 of the 12% revenue growth), new logos (3%), and emerging solutions (4 points, with AI growing at 3.5x the company rate). AI solutions are now ~10% of revenue (~$120M run rate). Casualty wins with Liberty Mutual and Allstate (third-party) are expanding the platform. A top-five auto insurer renewed its full APD suite and added the full AI layer, providing a ~50% uplift to contract value.

Balance Sheet & CapEx

Not discussed in this earnings call. The transcript references cumulative investments of billions of dollars in the platform, but no specific capex guidance or capacity expansion plans were provided.

Margins

Adjusted EBITDA margin in Q1 2026 was 43%, expanding 300 bps year-over-year, driven by cost discipline and flat headcount. Full-year 2026 adjusted EBITDA margin guidance is ~42% (100 bps expansion in each half). Long-term gross margin target is ~80%. Stock-based compensation is expected to be 13% of revenue in 2026, with a path to single digits by 2027.

Key Risks

Risks flagged include repair shop industry churn affecting gross dollar retention (98% in Q1 vs 99% last quarter), and a one-point revenue headwind in the second half of 2026 from a carrier transitioning away its legacy first-party casualty business. Forward-looking statements are subject to risks detailed in the Form 10-K. No macroeconomic or competitive threats were specifically called out.

Generated by AI · Q1 2026 results · Not investment advice

✓ 📞 Earnings Call Transcripts (5 quarters) submit a missing quarter

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🔎 See cross-company document search → ?

📞 Earnings Call Transcripts (5)

Q2 2026 Q2 2026 2026-07-30

Q2 2026 saw 10% revenue growth and strong profitability, driven by rapid AI adoption now at 11% of revenue and growing 45% year-over-year. Multi-year customer expansions, robust free cash flow, and raised full-year guidance highlight durable growth and margin expansion.

Q1 2026 Q1 2026 2026-04-30

Q1 2026 saw 12% organic revenue growth to $281M and 20% adjusted EBITDA growth, both above guidance, driven by strong AI and emerging solutions adoption. Major insurer renewals and expanding AI suite support a raised full-year outlook and continued margin expansion.

Q4 2025 Q4 2025 2026-02-24

Delivered record 2025 results with 12% revenue growth, strong margins, and robust free cash flow. AI and Emerging Solutions drove expansion, while EvolutionIQ broadened the addressable market. 2026 guidance calls for continued growth, margin expansion, and disciplined capital allocation.

Q3 2025 Q3 2025 2025-10-30

Q3 2025 saw 12% revenue growth to $267M and 41% Adjusted EBITDA margin, driven by strong AI solution adoption and new business wins. Guidance for Q4 and full-year 2025 was raised, with margin expansion expected to resume in 2026. Free cash flow and retention metrics remain robust.

Q2 2025 Q2 2025 2025-07-31

Q2 2025 saw 12% revenue growth and strong EBITDA, driven by adoption of AI-enabled and emerging solutions, with large customers moving from pilot to production. Guidance for 2025 remains robust despite claim volume headwinds and EvolutionIQ implementation delays.

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