CCC Intelligent Solutions Holdings

This light rates the company, not the share price. No documented substance finding is present: equity is positive at $1,721.2 million, the equity ratio stands at 49.6 percent, 2025 operating cash flow of $315.5 million covered $71.0 million of interest expense, the contractual leverage ratio stays below its 3.5 threshold, and there is no going-concern doubt and no listing risk. What is open is the decisive operating question, and it is open twice over. First, reported profit does not carry the cash flow: $1.7 million of net income against $175.4 million of stock-based compensation, with a further $207.5 million unrecognized as of March 31, 2026 — the burden is real, it simply reaches owners through ownership rather than through cash. Second, the EvolutionIQ acquisition is unproven: $674.3 million of purchase price, $537.8 million of it goodwill, against a 4.0 percent revenue contribution and an $89.2 million pretax loss in year one. Add a balance sheet that is 84.8 percent goodwill and intangibles, and a chief financial officer position filled only on an interim basis since May 25, 2026. Expressly excluded from this color are price, valuation, float and volatility. The stored scanner ratios are excluded as well: the Altman Z of 2.92 cannot be reproduced from the 2025 statements using the original formula (our own calculation gives 0.90), and that formula is not a quality verdict for an acquisition-financed software company in any case. The decision is yours.

Assessment: Opportunities & Risks

CCC Intelligent Solutions runs the software U.S. auto insurers use to settle collision claims — with gross retention of 98 to 99 percent per quarter since 2023 and 95.9 percent recurring revenue. The business grows reliably: $1,057.0 million of revenue in 2025 after $866.4 million in 2023, free cash flow of $254.5 million after $195.0 million. Reported profit does not keep pace: $1.7 million in 2025, because $175.4 million of stock compensation, $150.3 million of depreciation and amortization and $71.0 million of interest sit in between. Add a balance sheet that is 84.8 percent goodwill and intangibles, and $600.0 million of buybacks half funded by a new loan and charged straight against the accumulated deficit. The first quarter of 2026, with $15.4 million of profit and stock compensation almost halved, shows this can turn — one quarter does not prove it. Not investment advice.

Worth Noting

CCC reached the research list through our in-house stock scanner "turnaround candidates" (U.S. selection), measured July 27, 2026 on both brands. Both instances showed the same distribution: 60 U.S. hits, of which 1 scored 8 of 8 points, 15 scored 7 and 44 scored 6. CCC scores 6 and therefore sits in the tie group covering places 17 through 60; no exact rank is claimed. The detail page shows only the 25 strongest hits — CCC is not visible there. These lists are recomputed daily.

Turnaround checklist in detail (quarterly series from the second quarter of 2025 through the first quarter of 2026): pillar 3 fully met — revenue in the latest quarter 11.8 percent above the prior-year quarter, net margin of 5.5 percent against 5.0 percent three quarters earlier and 2.9 percent in the previous quarter, positive operating cash flow, interest coverage improving from 1.33 to 2.65. Pillar 4 half met: price above the 50-day line and net institutional accumulation of $135 million yes; turning relative strength and net insider buying no (zero purchases against two sales over twelve months).

Three scanner ratios were checked against the audited statements; where they diverge, this analysis uses the recomputed value. Distance from the all-time high: stored at minus 69.46 percent, recomputed from 1,457 trading days since October 5, 2020 at minus 60.4 percent (highest close $14.70 on January 25, 2021) or minus 63.9 percent (highest intraday print $16.11 on February 3, 2021) — the mandatory minus 50 percent threshold holds on any reading. Piotroski: stored at 7, recomputed from the audited 2025 figures against 2024 at 4 of 9. Altman-Z: stored at 2.92, recomputed with the original formula, the 2025 statements and a market value of $3,416 million at 0.90 — below the scanner threshold of 1.1.

Not to be confused: both of the stock's record highs date from January and February 2021 and therefore predate the closing of the business combination on July 30, 2021. The "distance from the all-time high" measures the deflation of a shell-company price here, not the collapse of the operating business. The highest close after closing is $13.35 (September 29, 2023). Also easy to mix up: the ticker was CCCS through the quarterly report filed October 30, 2025 and has been CCC since.

Price and valuation figures are dated anchors, not buy arguments: closing price $5.82 on July 24, 2026, ratio data as of July 27, 2026. The market value of roughly $3.42 billion is computed from 586,940,536 shares (quarterly report cover page, April 28, 2026). The scanner row carries $2.604 billion from an older pull — the gap is a data-vintage difference, and this analysis uses the recomputed figure.

The most recent periodic report is the quarterly report 10-Q for March 31, 2026 (filed April 30, 2026). Filed after that, through the data date of July 27, 2026: current report 8-K of April 30, 2026 (Item 2.02, quarterly results and 2026 outlook), current report 8-K of April 30, 2026 (Item 5.02, CFO resignation effective May 25, 2026), current report 8-K of May 22, 2026 (Item 5.07, annual meeting results), amendment 8-K/A of May 29, 2026 (Item 5.02, interim arrangement), plus ownership filings (Schedule 13G) and insider reports (Form 4). The next quarterly report is expected on July 30, 2026 according to the data available.