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1Fix the driver behind crashes, sound loss and screen glitches2Repair Windows errors before they cause bigger problems3Scan for outdated or missing drivers - takes under a minuteCCC Intelligent Solutions is a business-to-business cloud software and artificial-intelligence company for the property-and-casualty (P&C) insurance economy. Its core business is helping auto insurers, collision-repair shops and related companies process claims, estimate repairs, coordinate work and settle total-loss cases. CCC earns most of its revenue from software subscriptions, supplemented by professional services and other transaction-based or non-software services.
The company reported $1.057 billion in full-year 2025 revenue, up 12% from 2024. That figure describes the fiscal year, not necessarily current-quarter performance. CCC’s 2025 Form 10-K was filed with the SEC on February 24, 2026.
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What does CCC Intelligent Solutions do?
CCC Intelligent Solutions Holdings Inc. sells cloud applications and related services to businesses that participate in insurance claims and vehicle repair. The company was founded in 1980 and is headquartered in Chicago. Its platform is designed to move information among insurers, repair facilities, automakers, parts suppliers, lenders and other participants rather than serving consumers directly.
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CCC describes its platform as connecting more than 35,000 businesses. That is a company-reported connectivity metric, not an independently audited market-share measure and not a count of individual policyholders. The company’s foundational markets are automotive insurance claims and automotive collision repair, although it has expanded into additional insurance lines.
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In practical terms, an insurer can use CCC software to receive a claim, communicate with a policyholder, collect photographs and documents, route work, estimate damage, authorize repairs and resolve the claim. A repair shop can use related tools to prepare estimates, exchange information with insurers and manage repair activity. Other participants can receive the data or workflow access needed for valuation, parts and settlement decisions.
Who uses CCC software?
CCC’s customers are organizations in the insurance and vehicle ecosystem. The main groups are:
- Property-and-casualty insurers: Carriers use workflow, estimating, communications, review and approval tools during the life of a claim.
- Collision-repair facilities: Shops use estimating and repair-coordination applications and connect to insurers through Direct Repair Programs (DRPs).
- Automakers and parts suppliers: These participants can be involved when a repair estimate requires vehicle, parts or repair-operation information.
- Lenders and other industry participants: Total-loss and vehicle-value processes may require information to be shared with financing or settlement parties.
- Other insurance lines: CCC’s 2025 filing describes expansion through EvolutionIQ into disability and workers’ compensation insurance.
CCC sells solutions individually or in packages, depending on the product and end market. A company connected to the platform therefore does not automatically buy every application CCC offers, and the contracts are not necessarily identical across customer types.
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CCC Workflow
CCC Workflow covers the administrative path from customer intake to claim resolution. Features described in the company’s filing include digital communications, photo capture, claims documentation, repair scheduling, workflow routing, review and approvals. The value is not just a database; it is the ability to move a claim through defined steps while keeping insurers, repairers and claimants informed.
CCC Estimating
CCC Estimating combines estimating data with workflow software. It helps users identify repair operations, parts, labor and related line items when determining how a damaged vehicle should be repaired. The filing describes artificial-intelligence-assisted and automated estimate workflows. An estimate is still part of a broader claims process: it can be reviewed, revised and approved before repair work proceeds.
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CCC Total Loss
CCC Total Loss supports digital identification, valuation and resolution of automotive total-loss claims. When repair is uneconomic or a vehicle meets a carrier’s total-loss criteria, the process shifts from authorizing repairs to valuing and settling the vehicle. CCC’s application is intended to organize those steps digitally.
Applications beyond auto physical damage
CCC’s traditional center is auto physical damage, but the 2025 annual filing says the company is expanding beyond auto claims. Its EvolutionIQ business brings applications into disability and workers’ compensation insurance. The filing does not establish that every CCC customer uses these products or that the newer lines are the same size as the auto business.
How a CCC-enabled claim can move through the system
The exact workflow depends on the insurer, repairer and product package. A simplified sequence illustrates what CCC is selling:
- Intake: An insurer records the loss and begins a digital claim file.
- Information capture: The workflow can collect photographs, documents and digital communications from the claimant or other participants.
- Routing: The claim is directed to the appropriate review, repair or total-loss path.
- Estimating: CCC Estimating helps identify operations, parts, labor and related items for a repair estimate.
- Repair coordination: The insurer and collision facility exchange information, schedule work and handle reviews or approvals.
- Total-loss resolution when applicable: CCC Total Loss supports vehicle identification, valuation and settlement steps instead of a repair authorization.
- Resolution and records: The parties complete the claim while retaining the documentation and decisions required by their processes.
This sequence explains why network participation matters. CCC says more insurer connections can make its platform more valuable to repair shops, while more repair-shop connections can make it more useful to insurers. That is the company’s explanation of its network strategy, not proof that competitors cannot replace it or that every participant is locked into the platform.
How does CCC make money?
Software subscriptions
Software subscriptions are CCC’s primary revenue engine. The company sells cloud software as a service (SaaS), so customers pay for access to applications hosted and maintained by CCC rather than purchasing a one-time copy for local installation. The filing says CCC sells SaaS solutions separately or in packages.
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Contracts are generally billed monthly on a subscription basis or transactionally. Monthly billing can create recurring revenue, while a transaction arrangement ties a charge to a claim, estimate, valuation or another measured event. The available disclosures do not establish that every fee recurs, that every customer pays per claim, or that there is one standard price.
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CCC also reports other revenue, primarily professional services and other non-software services. These services can accompany implementation, configuration, support or specialized work, but the public disclosures do not provide a universal menu of services or customer-specific rates. It is therefore more accurate to describe them as a supplement to software revenue than to assign a fixed percentage or margin.
Revenue recognition
CCC says it recognizes revenue as control of the service transfers to the customer, consistent with its policy under Accounting Standards Codification (ASC) 606. In plain language, the timing of reported revenue follows the delivery of the contracted software or service. A billed amount, a cash receipt and accounting revenue can therefore occur at different times depending on the contract.
CCC’s reported financial scale
The following figures come from CCC’s full-year 2025 results release and should be read as company-reported annual results:
| Measure | FY2025 result | How to interpret it |
|---|---|---|
| Total revenue | $1.057 billion | Full-year 2025 revenue; 12% higher than the $944.8 million reported for 2024. |
| GAAP gross profit | $776.8 million | Full-year gross profit under generally accepted accounting principles. |
| GAAP gross margin | 73% | Company-reported full-year ratio of GAAP gross profit to revenue. |
| Revenue from AI-based solutions | Approximately 10% of 2025 revenue, or nearly $100 million | CCC’s characterization of revenue from AI solutions spanning auto physical damage and bodily injury. |
| Insurers using AI solutions | More than 125 | Customer count reported in the 2025 results release. |
| Collision-repair facilities using AI solutions | More than 15,000 | Facility count reported in the same release. |
The AI figure is not a claim that 10% of every product’s revenue is AI revenue or that all customers have adopted AI. CCC said claim-volume penetration ranged from low single digits to low double digits depending on the solution. Adoption therefore varies materially by workflow, even though AI-related revenue was already significant in the company’s 2025 account.
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What role does artificial intelligence play?
CCC uses AI in estimating and other claims workflows, and it says AI-based solutions span both auto physical damage and bodily injury. In an estimating context, AI can assist with identifying damage, repair operations or related line items; in a workflow context, it can help automate or prioritize steps. The company’s disclosures establish the commercial use of these solutions, but they do not provide a single accuracy rate, labor-saving percentage or uniform adoption level that applies to every customer.
For readers evaluating the business, the important distinction is between AI revenue and AI penetration. Revenue of nearly $100 million indicates that CCC counted meaningful sales from AI-based solutions in FY2025. Penetration from low single digits to low double digits by claim volume indicates that many workflows still use a mix of AI-assisted and conventional processes.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Why the insurer-repairer network matters
CCC’s platform has two-sided characteristics. Insurers benefit when many repair facilities can receive and return information through a common workflow. Repairers benefit when many insurers are available through the same connection. CCC refers to DRPs as connections between auto insurers and collision shops.
This structure can support a network effect: each additional participant may increase the practical usefulness of the platform for others. However, network effects are a strategic rationale, not a guarantee of pricing power or permanent customer retention. Insurers and repairers can maintain multiple systems, switch vendors or require integrations, and the filing does not quantify switching costs or displacement rates.
Is CCC a software company or a services company?
CCC is primarily a software company, specifically a B2B SaaS and AI platform provider. Subscription software is the main source of revenue, and the products are delivered through a cloud platform. It is not accurate to call it only a consulting firm, because professional services and other non-software revenue supplement rather than define the business.
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At the same time, a pure-software description can hide how the company is used. CCC’s applications depend on industry data, claims rules, repair information and connections among organizations. Implementation, configuration, support and transaction services can be important to a customer’s experience even when the underlying contract is for SaaS.
What CCC’s public disclosures do not establish
CCC’s filings and results release explain the business model but do not publish a universal price list. They do not establish a standard contract length, a fixed per-claim charge, customer-level gross margins or the exact mix of subscription and transactional billing for every product. Any claim that all customers pay the same recurring fee would go beyond the disclosed evidence.
The reported 35,000 connected businesses should also be kept in context. It is a company-reported platform count, not audited market share and not a measure of consumers using CCC directly. Likewise, the 125-plus insurers and 15,000-plus repair facilities using AI solutions are counts associated with AI adoption, not a statement that every one of those organizations uses every CCC application.
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How to read CCC’s business as a personal-finance reader
CCC is not a consumer insurance portal where an individual buys a policy or pays a monthly app fee. Its economic customers are enterprises that use claims infrastructure. That distinction affects how to interpret the company:
Quick Recap
- Revenue durability: Subscription contracts can support recurring revenue, but the filing also describes transactional billing and service revenue, so not every dollar has the same recurrence profile.
- Growth drivers: Growth can come from adding insurers or repairers, selling more applications to existing customers, expanding AI adoption and entering additional insurance lines.
- Operational leverage: Cloud software can serve many organizations through a common platform, while professional services and transaction work add delivery costs. The 73% FY2025 GAAP gross margin is the company’s aggregate annual result, not a margin for each product.
- Adoption risk: AI use differs by solution, with claim-volume penetration ranging from low single digits to low double digits in the company’s 2025 release.
- Concentration and competition questions: The supplied public figures do not disclose customer-specific revenue concentration, switching rates or a complete competitor comparison. Those questions require separate current filings and should not be inferred from the connectivity count.
Key facts to remember
- CCC Intelligent Solutions sells B2B cloud software and related services to the P&C insurance ecosystem.
- Auto insurance claims and collision repair remain its foundational markets.
- Its products cover workflow, estimating, total-loss resolution and related industry applications.
- Software subscriptions are the main revenue source; professional services and other transactional or non-software revenue add to it.
- CCC reported $1.057 billion in FY2025 revenue, up 12% from 2024, with $776.8 million in GAAP gross profit and a 73% GAAP gross margin.
- The company said AI-based solutions generated approximately 10% of FY2025 revenue, while adoption varied substantially by solution.
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