CCC Intelligent Solutions Holdings Inc. (CCC) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of CCC Intelligent Solutions Holdings Inc. stock $2.02, price $7.68, that is 73.7% below the price, quality 61 out of 100. Rating: strongly overvalued. Calculated from audited financials with 21 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
60‑month range $4.22 – $13.35 · fair‑value band $1.18 – $3.14 · the $7.68 price screens above the $2.02 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
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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.
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The company's cloud-based SaaS platform connects trading partners, facilitates commerce, and supports mission-critical, artificial intelligence enabled digital workflow across the insurers, repairers, automakers, parts suppliers, lenders, and others.
It offers CCC insurance solutions, including CCC workflow, CCC estimating, CCC Total Loss, CCC subrogation, CCC automotive claim handling, CCC casualty, bodily injury claims synthesis, disability claims guidance, and workers' compensation claims guidance; CCC repair solutions, such as CCC estimating, CCC network management, CCC repair workflow, CCC repair quality, and CCC business-office solutions; CCC ecosystem and other solutions, which includes CCC parts solutions, CCC automotive manufacturer solutions, CCC diagnostics service provider solutions, and CCC payments; and CCC international solutions.
CCC Intelligent Solutions Holdings Inc. was founded in 1980 and is headquartered in Chicago, Illinois.
Stock analysis
CCC Intelligent Solutions Holdings Inc. (CCC) currently trades at $7.68, while our model-based Fair Value estimate is $2.02, 74% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of $1.86 per share, and 0 of the 20 models we run sit above the $7.68 price.
Bear case: the Multiples group reads lowest at $0.2100, and 20 of the 20 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $1.18 (bear) to $3.14 (bull), the price of $7.68 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 61/100 (solid quality), in the Technology sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
CCC Intelligent Solutions Holdings Inc. reported revenue of $1.1B in FY2025 versus $688M in FY2021, a compound +11.3%/yr. Reported net income was $412K in FY2025.
Key figures
Market cap $4.6B Mid · P/E ratio 109.7 · P/S ratio 0.04 · EPS (TTM) $0.0700 · Net margin 0.0% · Return on equity 3.8% · Return on assets (EBIT) 0.3% (5-year average) · Operating margin 19.5%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 10% below its 52-week high and 82% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Technology peers we cover trades at 10% fair-value upside, at −74%, CCC screens richer than that median.
Fair Value models
The price assumes far more growth than our models allow for, so the models scatter widely ($0.0100 to $2.62). Read the Fair Value as a cautious anchor, not a price target; the Growth Forecast section shows what the price assumes.
Bear$1.18Fair Value $2.02Bull$3.14
Price $7.68 · Downside -73.7%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($0.0600 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
In the last 6 months, no officer or director bought or sold shares on the open market.
SaleRodney ChristoChief Accounting Officer2× since Mar 9, 2026: 56,168 shares, avg. $6.13$344,544Mar 24, 2026
SaleTeri WilliamsDirector68,000 shares at $7.52$511,360Dec 15, 2025
BuyTimothy A WelshOfficer136,720 shares at $7.31$999,423Nov 20, 2025
Plus 7 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.83/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+11.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.5%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.8%
Start year 2020 (pandemic)
Revenue growth 6 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.4%
’19
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’25
What shareholders gained per year (last 3 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 3 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted.
−59.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year−59.8%
Dividend (yield on the price)0.0%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.12% → 9%
Growth Forecast
Price in line with expectations
The price assumes about as much growth as the company has delivered so far and about what analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+8.6%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+8.3%
Yearly sales growth analysts expect, extended to five years.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about +6.0% a year for the price and +5.8% for the forecasts.
AI conclusion: Network scale and switching costs in the recurring claims workflow form the main strength, while near-zero net income on over 1B revenue signals the central weakness.
Main risk: Take-private by GTCR and Elliott risks eroding the independence that sustains network neutrality and could disrupt connections across the claims workflow.
CCC connects insurers, repair shops and parts suppliers in a recurring claims workflow that benefits from network scale and switching costs. Advanced talks for a take-private by GTCR and Elliott raise the issue of whether external owners can extract more from the existing platform than the current setup allows. Does deeper integration under new ownership unlock efficiencies or risk losing the independence that keeps the network neutral?
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Software - Application · 628 stocks
Beats the industry median on 4/12 measures
Overall it trails its industry peers.
Valuation
Quality Score61 · Above median
Fair Value upside−73.7% · Bottom 25%
Profitability
Return on equity (12 months)3.8% · Below median
Return on assets0.0% · Below median
Net margin (12 months)26.8% · Top 25%
Operating margin (12 months)19.5% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)10.1% · Above median
Balance sheet
Debt / equity0.71× · Highest 25%
Valuation Multiplesvs Software - Application median · lower = cheaper
P/E (12 months)109.7× · Priciest 25%
P/B2.56× · book value is mostly goodwill ⓘGoodwill and other intangible assets are larger than the equity. The book value mainly reflects prices paid for past acquisitions, so we do not rank this P/B against the peer group.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "CCC Intelligent Solutions Holdings Inc. Fair Value". https://www.fairvalue-calculator.com/stock/CCC
Frequently asked questions
Is CCC Intelligent Solutions Holdings Inc. (CCC) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of $2.02 versus a price of $7.68, about 74% lower (overvalued).
What is the fair value of CCC?
Our model-based fair value for CCC Intelligent Solutions Holdings Inc. is $2.02 (as of Nov 6, 2026), built from audited fundamentals. The current price: $7.68.
What is the quality score of CCC?
CCC Intelligent Solutions Holdings Inc. has a Quality Score of 61/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for CCC Intelligent Solutions Holdings Inc. (CCC)?
Our model-based price target is the fair value of $2.02 (as of Nov 6, 2026) from 21 valuation models. Cautious scenario $1.18, optimistic scenario $3.14. It is a calculation from audited fundamentals, not an analyst target.
What is the CCC Intelligent Solutions Holdings Inc. stock forecast for 2026?
Our models put fair value at $2.02, about 74% lower versus a price of $7.68 (overvalued). Cautious scenario $1.18, optimistic scenario $3.14. The calculation is refreshed regularly with new filings.
What is the revenue of CCC Intelligent Solutions Holdings Inc. (CCC)?
CCC Intelligent Solutions Holdings Inc. reported trailing-twelve-month revenue of about $1.1B (latest available figure, as of Nov 6, 2026).
What growth is priced into CCC Intelligent Solutions Holdings Inc. (CCC)?
For today's price to be fair in a discounted-cash-flow model, CCC Intelligent Solutions Holdings Inc. would have to grow free cash flow by +8.6 % per year for five years (discount rate 8.5 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +10.8 % per year. As of Nov 6, 2026.
What discount rate (WACC) does the fair value of CCC use?
Our models discount CCC Intelligent Solutions Holdings Inc. at 8.5 %: a base by market capitalisation (mid), damped by beta 0.47, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For CCC Intelligent Solutions Holdings Inc. that is +8.6 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (8.5 %) and the same formula as our fair value.
How much growth has CCC Intelligent Solutions Holdings Inc. (CCC) delivered so far?
Over the past 5 years revenue at CCC Intelligent Solutions Holdings Inc. grew +10.8 % a year. The price currently implies free-cash-flow growth of +8.6 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of CCC Intelligent Solutions Holdings Inc. (CCC) growing?
The median revenue growth in the sector is +11.5 % a year. That is the yardstick for the growth priced into CCC Intelligent Solutions Holdings Inc. (+8.6 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of CCC Intelligent Solutions Holdings Inc. (CCC)?
The free-cash-flow yield on the price is 5.56 %: that much free cash flow CCC Intelligent Solutions Holdings Inc. produces per unit of market value. When it exceeds the discount rate of our models (8.5 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of CCC Intelligent Solutions Holdings Inc. (CCC)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For CCC Intelligent Solutions Holdings Inc. it is $2.02 per share (as of Nov 6, 2026), against a price of $7.68. It is the blended result of 21 valuation models in 7 families (DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit, Growth Earnings).
Is CCC Intelligent Solutions Holdings Inc. stock overvalued or undervalued in 2026?
As of Nov 6, 2026, CCC trades above its calculated fair value: price $7.68, fair value $2.02, a gap of about −74% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CCC?
No. The price is what the market pays today ($7.68); the fair value is what the company's own numbers justify ($2.02). For CCC Intelligent Solutions Holdings Inc. the two are $5.66 per share apart. That gap is exactly why we show both numbers side by side.
How much is CCC Intelligent Solutions Holdings Inc. worth?
The market values CCC Intelligent Solutions Holdings Inc. at about $4.6B (market capitalisation, as of Nov 6, 2026). Per share that is $7.68; our models calculate a fair value of $2.02 per share.
What do the bullish and bearish scenarios say about CCC?
Our models span a range for CCC Intelligent Solutions Holdings Inc.: cautious scenario $1.18, base $2.02, optimistic $3.14 per share (as of Nov 6, 2026, price $7.68). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CCC?
CCC Intelligent Solutions Holdings Inc. trades at a price-to-earnings ratio of 109.7 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $2.02 is built from several models across several years. Other multiples: P/B 2.6, P/S 16.5, EV/EBITDA 68.5.
How solid is the balance sheet of CCC Intelligent Solutions Holdings Inc. (CCC)?
Balance-sheet figures for CCC Intelligent Solutions Holdings Inc. (as of Nov 6, 2026): return on equity 3.8%, debt of 0.71 per unit of equity. They feed the Quality Score of 61/100, which measures business quality independently of the share price.
How far is CCC from its 52-week high?
CCC Intelligent Solutions Holdings Inc. trades at $7.68, about 10% below its 52-week high of $8.55 and 82% above the low of $4.22 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $2.02 is for.
Which stocks are comparable to CCC Intelligent Solutions Holdings Inc.?
From the same area (Technology) we also value SAP SE, Salesforce, Inc, Shopify Inc, ServiceNow, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is CCC Intelligent Solutions Holdings Inc. stock attractive at the current price?
The data as of Nov 6, 2026: price $7.68, calculated fair value $2.02 (−74%), Quality Score 61/100, from 21 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CCC calculated?
We run CCC Intelligent Solutions Holdings Inc. through 21 models from 7 families: DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit, Growth Earnings. Every model gets the same audited fundamentals; the fair value of $2.02 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. CCC Intelligent Solutions Holdings Inc. itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of CCC Intelligent Solutions Holdings Inc. (CCC)?
The closing price on Nov 6, 2026 was $7.68. Our model-based fair value is $2.02, about 74% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with CCC Intelligent Solutions Holdings Inc. right now?
The price sits above even our optimistic bull case ($3.14). The favourable scenario is already priced in. The model range is unusually wide ($1.18 to $3.14). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid but not exceptional quality (61/100) and above fair value, neither a clear bargain nor a standout compounder.
Key figures of CCC Intelligent Solutions Holdings Inc.
How large is the market capitalisation of CCC Intelligent Solutions Holdings Inc. (CCC)?
The market capitalisation of CCC Intelligent Solutions Holdings Inc. is $4.6B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of CCC Intelligent Solutions Holdings Inc. (CCC)?
The price-to-sales ratio of CCC Intelligent Solutions Holdings Inc. is 0.04 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of CCC Intelligent Solutions Holdings Inc. (CCC)?
Earnings per share at CCC Intelligent Solutions Holdings Inc. are $0.0700 (price ÷ EPS = P/E 109.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of CCC Intelligent Solutions Holdings Inc. (CCC)?
The net margin of CCC Intelligent Solutions Holdings Inc. is 0.0% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of CCC Intelligent Solutions Holdings Inc. (CCC)?
The return on equity (ROE) of CCC Intelligent Solutions Holdings Inc. is 3.8% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of CCC Intelligent Solutions Holdings Inc. (CCC)?
On an EBIT basis the return on assets of CCC Intelligent Solutions Holdings Inc. is 0.3% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of CCC Intelligent Solutions Holdings Inc. (CCC)?
The operating margin of CCC Intelligent Solutions Holdings Inc. is 19.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at CCC Intelligent Solutions Holdings Inc. (CCC)?
Revenue at CCC Intelligent Solutions Holdings Inc. is growing +10.1% versus a year earlier (3y avg +10.5%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at CCC Intelligent Solutions Holdings Inc. (CCC)?
Earnings per share at CCC Intelligent Solutions Holdings Inc. are growing +81.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does CCC Intelligent Solutions Holdings Inc. (CCC) carry?
The net debt of CCC Intelligent Solutions Holdings Inc. is $1.3B (fiscal year 2025, ≈ 5.0 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Some data
Nov 6, 2026