Here are 1-3 brief analogies for CCC Intelligent Solutions:

• The Salesforce for the property & casualty insurance ecosystem.

• The SAP for the P&C insurance claims and repair supply chain.

• The Workday for the P&C insurance industry's operational workflows.

• CCC Insurance Workflow: Provides tools for streamlining insurance claim processes and operational workflows for carriers.
• CCC Estimating: Offers solutions for generating accurate damage estimates for vehicles.
• CCC Total Loss: Facilitates the management and resolution of total loss claims.
• CCC AI and Analytics: Delivers artificial intelligence-driven insights and data analytics for insurance decision-making.
• CCC Casualty: Supports the processing and management of casualty claims for insurers.
• CCC Network Management (Repair): Manages and optimizes networks of collision repair facilities.
• CCC Repair Workflow: Provides tools to manage and streamline the repair process within collision repair shops.
• CCC Repair Quality: Helps ensure and monitor the quality of vehicle repairs within the network.
• CCC Parts Solutions: Connects parts suppliers with repairers and insurers for efficient parts procurement and management.
• CCC Automotive Manufacturer Solutions: Provides specialized solutions tailored for automotive manufacturers within the insurance ecosystem.
• CCC Lender Solutions: Offers solutions tailored for financial institutions and lenders involved in vehicle financing and claims.
• CCC Payments: Facilitates payment processing across various stakeholders in the insurance economy.
• CCC International Solutions: Provides adapted versions of its core platform and solutions for global markets.

CCC Intelligent Solutions (symbol: CCC) primarily sells its services and platform to other companies within the property and casualty insurance economy.

Major Customers:

• Insurance Carriers: These companies use CCC's solutions for workflows, estimating, total loss calculations, AI, analytics, and casualty management. Examples of these would be large national and regional insurance providers.
• Collision Repairers: Independent and chain collision repair shops utilize CCC's network management, repair workflow, and quality solutions to streamline their operations.
• Parts Suppliers: Businesses that supply automotive parts integrate with CCC's platform for more efficient commerce and logistics.
• Automotive Manufacturers: Car manufacturers use CCC's solutions, likely for parts ordering, repair specifications, and broader ecosystem integration.
• Financial Institutions: Lenders and other financial organizations involved in the automotive and insurance ecosystem leverage CCC's platform for various related services, such as total loss valuations and payments.

While the background describes categories of companies rather than specific named public companies, the major customers are these types of businesses operating within the property and casualty insurance and automotive industries.

Githesh Ramamurthy Chairman & CEO

Githesh Ramamurthy joined CCC in 1992 and has held several key management positions, including Executive Vice President of Product Engineering and Chief Technology Officer. He was named President and COO in 1997 and elected Chairman of the Board in 2000. Before joining CCC, Githesh was a founding member of Sales Technologies, Inc., which became a world leader in field-sales automation software and was later acquired by Dun & Bradstreet. He is also credited with designing one of the world's first microprocessor-based cardiac monitors and holds a U.S. patent for claims-processing software design.

Rodney Christo Interim CFO & Chief Accounting Officer

Rodney Christo assumed the role of Interim CFO in May 2026, in addition to his responsibilities as Chief Accounting Officer. He has served in senior finance roles at CCC for more than 30 years, including as Senior Vice President, Finance and Chief Accounting Officer, Senior Vice President of Finance and Treasurer, and Vice President and Controller. Earlier in his career, Rod worked in audit at PricewaterhouseCoopers.

Tim Welsh President

Tim Welsh was appointed President in February 2025 and leads all market-facing functions. Most recently, he was at U.S. Bank, where he helped lead the digital transformation of the consumer and small-business banking business. Welsh spent much of his career at McKinsey & Company working with P&C and Life insurers and their broader ecosystems.

Josh Valdez Chief Product Officer & Interim Chief Technology Officer

Josh Valdez is Chief Product Officer and Interim Chief Technology Officer at CCC Intelligent Solutions, where he leads the company's product and technology strategy, design, and delivery. He is responsible for scaling AI-driven innovation across CCC's platform.

Christy Harris SVP, Chief Human Resources Officer

Christy Harris serves as the Senior Vice President, Chief Human Resources Officer for CCC Intelligent Solutions.

The key risks to CCC Intelligent Solutions (symbol: CCC) are primarily driven by transformative changes within the automotive and insurance industries, intense technological competition, and the critical nature of data handling.

1. Disruption from Advanced Driver-Assistance Systems (ADAS) and Autonomous Vehicles (AVs): A primary risk stems from the potential long-term impact of ADAS and future autonomous vehicles on collision frequency and severity. While ADAS can lead to more complex and costly repairs when accidents do occur, widespread adoption of highly effective ADAS and eventual AVs could significantly reduce the overall number of motor vehicle collisions. A material reduction in collision volumes would directly decrease demand for CCC's core solutions, which are integral to the claims and repair workflow within the property and casualty insurance economy. This risk reflects a fundamental shift in the market CCC serves.
2. Rapid Technological Change and Intense Competition: CCC Intelligent Solutions operates in a highly dynamic technology landscape, leveraging cloud, AI, telematics, and hyperscale technologies. The company faces significant competition, including from rivals introducing technological advancements and new products. Failure to continuously innovate, adapt to evolving technologies, or effectively compete with existing and new market entrants could lead to a loss of market share and impact its financial performance.
3. Data Privacy, Security, and Regulatory Compliance: Given that CCC processes vast amounts of sensitive data from insurance carriers, repairers, and consumers, including personally identifiable information (PII) and vehicle data, it faces substantial risks related to data privacy and security. A major data breach, cyberattack, or non-compliance with evolving global and local data protection regulations could result in significant financial penalties, reputational damage, loss of customer trust, and adverse operational impacts.

The emergence of highly autonomous vehicles (Level 4 and 5) could fundamentally alter the property and casualty insurance landscape. If liability for accidents shifts primarily from human drivers to vehicle manufacturers, or if accident rates dramatically decrease due to superior safety systems, the traditional volume and nature of claims processing would be significantly impacted. This could lead to manufacturers developing proprietary claims and repair ecosystems that may reduce the need for third-party platforms like CCC, which currently serve a broad ecosystem built around human-driven vehicle accidents and their associated claims.

CCC Intelligent Solutions (symbol: CCC) operates within several key addressable markets related to the property and casualty (P&C) insurance economy and automotive repair.

Addressable Markets for CCC Intelligent Solutions' Main Products and Services:

• Global Property and Casualty Insurance Software Market: This market, which encompasses software for insurance carriers, was valued at approximately $23.32 billion in 2026 and is projected to grow to $34.75 billion by 2030. North America constituted the largest regional market in 2025. Another estimate indicates the global P&C insurance software market is likely to grow from USD 16.10 billion in 2026 to USD 30.79 billion in 2035, with North America accounting for roughly 38% of global demand.
• Global Auto Collision Repair Management Software Market: This market, which includes software for collision repairers, was valued at $11.85 billion in 2026 and is anticipated to reach $15.62 billion by 2030. North America was identified as the largest region in this market in 2025. An alternative projection for the global market size is USD 11.83 billion by 2034.
• Global Auto Collision Estimating Software Market: A specific segment within the collision repair sector, this market was valued at $2.88 billion in 2026 and is projected to reach $4.22 billion by 2030. North America held the largest share of this market in 2025. Another forecast estimates this market to reach USD 5.17 billion by 2034, with North America being the largest market, holding approximately 45% of the global market share.

CCC Intelligent Solutions (symbol: CCC) is expected to drive future revenue growth over the next 2-3 years through several key strategies:

1. Accelerated Adoption of AI-Powered Solutions and New Product Launches: CCC is heavily investing in and deploying AI-driven innovations across the insurance economy. The company's AI-based solutions, such as AI-powered claims routing, early total-loss identification, subrogation, diagnostics, and Mobile Jumpstart 2.0, are experiencing rapid adoption and significantly contributing to revenue growth. For example, AI solutions represented around 11% of total revenue and grew approximately 45% in the second quarter of 2026, contributing roughly 40% of the company's incremental revenue. New product introductions, such as CCC Payroll, have also shown quick market uptake, adopted by over 2,000 repair facilities since its July 2024 launch.
2. Cross-selling and Upselling to Existing Customers: A substantial portion of CCC's revenue growth is derived from its existing customer base increasing their usage and adoption of the company's expanding suite of solutions. This is reflected in a consistently strong Net Dollar Retention (NDR), which was reported at 107% in Q2 2024, Q1 2025, Q2 2025, and Q2 2026, indicating that customers are spending more year-over-year. This includes repair shop upgrades and broader utilization of digital and emerging solutions across their client base.
3. Expansion of Customer Base and Strategic Partnerships: CCC continues to secure new business wins, renew contracts, and expand relationships with a diverse range of participants in the insurance ecosystem, including top-tier insurers and major collision repair providers. These strategic partnerships and new customer acquisitions are critical for broadening the company's market reach and embedding its platform more deeply within the industry.
4. Growth in Key Solution Areas, particularly Casualty and Parts: The company has consistently highlighted the ongoing strength and increased adoption of its solutions within the Casualty and Parts segments. These specific solution areas are identified as significant contributors to overall revenue growth.

Share Repurchases

• On December 12, 2025, the Board of Directors authorized a new share repurchase program of up to $500 million.
• This new authorization followed the full utilization of a $300 million share repurchase program announced in December 2024.
• Under the $500 million authorization, CCC entered into a $300 million accelerated share repurchase program, expected to be completed by the end of the second quarter of 2026.

Share Issuance

• CCC Intelligent Solutions went public on July 30, 2021, through a business combination with Dragoneer Growth Opportunities Corp., a special purpose acquisition company (SPAC).
• The SPAC transaction included a $150 million private investment in public equity (PIPE) and a $175 million forward purchase agreement.
• CCC received approximately $605 million in net proceeds from the business combination.

Inbound Investments

• The most significant inbound investment was the SPAC merger in July 2021, which valued the company at $6.5 billion to $7 billion, including debt.
• The transaction generated nearly $1 billion in total proceeds, comprising funds from Dragoneer's trust account, the PIPE, and a forward purchase agreement.
• Private equity firm Advent International remained the majority shareholder following the closing of the SPAC merger.

Outbound Investments

• CCC Intelligent Solutions acquired EvolutionIQ, with the impact of this acquisition being discussed in financial reports as of late 2025/early 2026.

Capital Expenditures

• Capital expenditures totaled approximately $65.42 million in the last 12 months as of September 2026.
• The company's capital allocation framework prioritizes organic investments in new product capabilities, particularly AI-based solutions, and investment in top talent.