Exploring CCC Intelligent Solutions Holdings Inc. (CCCS) Investor Profile: Who’s Buying and Why?

You're looking at CCC Intelligent Solutions Holdings Inc. and asking the right question: with the stock trading around the $7.37 mark as of November 2025, who is actually buying, and what do they see that the broader market might be missing? The answer is that this is defintely an institutional play, not a retail one, with institutional investors owning a massive 95.79% of the company's stock.

Big players like Vanguard Group Inc. and Principal Financial Group Inc. have been adding significantly, with Vanguard boosting its stake by 9.4% and Principal Financial Group Inc. by 20.4% just in the third quarter of 2025 alone. Why the conviction? It comes down to the core business: CCC is a leading Software-as-a-Service (SaaS) platform for the property and casualty (P&C) insurance economy, and their recent numbers show a durable growth engine, even with a GAAP net loss of $2.0 million in Q3 2025.

The institutional bet is on their AI-enabled workflow solutions, which helped drive a 12% year-over-year revenue increase to $267.1 million in Q3 2025, plus management is guiding for full-year 2025 revenue between $1.051 billion and $1.056 billion. This is a story of strong top-line growth and strategic share repurchases-22.8 million shares bought back year-to-date for $217.2 million-that suggests a deep confidence in the long-term value of their AI-driven platform. So, are you a buyer alongside the smart money, or does the net loss give you pause?

Who Invests in CCC Intelligent Solutions Holdings Inc. (CCCS) and Why?

If you're looking at CCC Intelligent Solutions Holdings Inc. (CCCS), you need to know who the major players are and what drives their decisions. The simple takeaway is that this is an institutional growth story, not a retail one. The vast majority of the stock is held by large funds betting on the company's durable software-as-a-service (SaaS) model and its push into artificial intelligence (AI) in the insurance sector.

The investor base is overwhelmingly institutional, meaning mutual funds, pension funds, and asset managers like BlackRock, Inc. and Vanguard Group Inc. own the lion's share. This concentration is a key signal: major financial institutions see CCC Intelligent Solutions Holdings Inc. as a core, long-term holding in the FinTech and InsurTech space.

Key Investor Types: The Institutional Dominance

The ownership structure of CCC Intelligent Solutions Holdings Inc. is heavily skewed toward institutional investors. As of late 2025, these large entities own approximately 95.79% of the company's stock.

This leaves a relatively small float for retail investors and individual traders. Insider ownership, which is the stake held by executives and directors, sits around 6.03%, indicating that management's financial interests are defintely aligned with the company's performance.

The largest institutional holders are a who's who of asset management, reflecting a broad-based conviction in the stock's fundamentals. You'll find names like Vanguard Group Inc., which holds over 65.9 million shares valued at more than $600 million, and Principal Financial Group Inc., with a holding of over 38.3 million shares valued at nearly $349 million.

• Vanguard Group Inc.: The largest passive holder.
• T. Rowe Price Investment Management Inc.: A major growth-focused fund.
• Advent International L.P.: A key private equity-backed investor.
• BlackRock, Inc.: Another colossal passive and active asset manager.

Hedge funds are also active, though their positions are often more dynamic. For instance, Wasatch Advisors LP raised its stake by a significant 43.7% in the third quarter of 2025, suggesting an active bet on the near-term growth trajectory. This is a stock where the big money calls the shots.

Investment Motivations: Growth, AI, and Cash Flow

Investors are attracted to CCC Intelligent Solutions Holdings Inc. for three core reasons, all tied to the company's position as a critical infrastructure provider for the property and casualty (P&C) insurance economy. They aren't buying for dividends, as the company doesn't pay one; they're buying for growth and margin expansion.

The primary motivation is predictable, high-margin growth driven by its SaaS platform. For the full fiscal year 2025, the company is guiding for revenue between $1.051 billion and $1.056 billion, representing a solid growth rate of around 12% year-over-year at the midpoint.

Here's the quick math on profitability and capital allocation:

This level of profitability, with an Adjusted EBITDA margin over 40%, is a major draw for institutions. Plus, the company is generating strong free cash flow, reporting $78.6 million in Q3 2025 alone. This cash is being put to work, with the company repurchasing 22.8 million shares for a total of $217.2 million year-to-date in 2025 under its current authorization.

The second major driver is the company's deep integration of artificial intelligence (AI) into its workflow solutions, like the AI-enabled workflow solution adopted by a top-20 insurer in Q3 2025. This focus on AI-driven automation is a key competitive advantage that promises to drive future revenue. You can read more about this strategic direction in their Mission Statement, Vision, & Core Values of CCC Intelligent Solutions Holdings Inc. (CCCS).

Investment Strategies: Long-Term SaaS Holding

The strategies employed by investors in CCC Intelligent Solutions Holdings Inc. largely fall into two camps: long-term growth and opportunistic value/momentum plays.

Long-Term Growth Holding: This is the dominant strategy, evidenced by the massive stakes held by passive index funds and large mutual funds. These investors view CCC Intelligent Solutions Holdings Inc. as a high-quality SaaS platform with recurring revenue (Gross Dollar Retention is a strong 99%) that is deeply embedded in the mission-critical workflows of the multi-trillion-dollar insurance industry. They are holding for multi-year capital appreciation, banking on the continued digital transformation of P&C insurance claims and the expansion of the Casualty business, which is currently outpacing overall company growth.

Value and Momentum Plays: While it's fundamentally a growth stock, some investors see a value component. Some analysts believe the stock is trading significantly below its fair value, which attracts value-oriented funds. On the other end, hedge funds and active managers are engaging in short-term trading, reacting to quarterly results and guidance. The stock's muted reaction to the Q3 2025 earnings-where revenue beat but EPS missed slightly-shows that active investors are sensitive to near-term execution against analyst consensus. What this estimate hides, however, is the long-term compounding power of a high-margin, sticky SaaS business model.

Institutional Ownership and Major Shareholders of CCC Intelligent Solutions Holdings Inc. (CCCS)

The investor profile for CCC Intelligent Solutions Holdings Inc. (CCCS) is dominated by institutional money, which is a critical signal of a company's perceived stability and market position. As of the most recent filings, institutional investors own a staggering 95.79% of the company's stock. This level of ownership suggests that the market views CCCS as a mature, high-quality Software-as-a-Service (SaaS) platform with a robust economic moat, despite the stock price declining from $11.42 in November 2024 to $8.75 by late October 2025.

You're not seeing a retail-driven meme stock here; you're seeing a core holding for some of the world's largest asset managers. This institutional conviction is rooted in CCCS's role as the connective tissue for the property and casualty (P&C) insurance economy.

Top Institutional Investors and Their Shareholdings

The list of CCCS's largest shareholders reads like a who's who of global asset management and private equity, which is typical for a company with a high-margin, subscription-based model. These firms aren't just buying; they are establishing massive, long-term positions. The largest blockholder, Advent International Corp/ma, is a private equity firm, which often implies a more active, strategic interest in the company's direction compared to passive index funds.

Here is a snapshot of the top institutional investors and their holdings based on Q3 2025 data, with share values calculated using the approximate $8.75 share price from late October 2025:

Recent Ownership Shifts: Who's Buying and Why?

The recent ownership changes show a clear accumulation trend from major players, which is a strong vote of confidence in the company's long-term strategy, even as the stock has seen volatility. In the third quarter of 2025, Vanguard Group Inc. boosted its stake by 9.4%, acquiring an additional 5,651,113 shares. Similarly, Principal Financial Group Inc. increased its position by 20.4%, adding over 6.5 million shares. This isn't just passive buying; these are significant capital commitments.

Here's the quick math: these two firms alone added over 12 million shares in one quarter. That's defintely not a minor adjustment.

• Vanguard Group Inc.: Increased holdings by 9.4% in Q3 2025.
• Principal Financial Group Inc.: Boosted position by 20.4% in Q3 2025.
• Wasatch Advisors LP: Raised its stake by 43.7% in Q3 2025.
• Norges Bank: Bought a new position in Q2 2025.

The 'why' behind this accumulation is the company's durable business model, which boasts a 99% gross dollar retention rate and a 107% net dollar retention rate as of Q1 2025. Investors are buying into the network effect and the high-margin revenue stream, which is approximately 80% subscription-based.

Impact of Institutional Investors on Strategy and Stock

The heavy concentration of institutional ownership has two primary impacts on CCCS: it provides a floor of stability for the stock price and exerts pressure on management to execute on a clear, high-growth strategy. With Advent International, a private equity firm, holding a significant stake, there's a strong incentive for the company to maintain its high adjusted EBITDA margin, which was 41% in Q3 2025.

These large investors are essentially endorsing the company's pivot toward AI and expansion into the casualty market. Management's strategic focus on AI-driven solutions is the core of the investment thesis. This is what the big money is betting on:

• AI-Driven Growth: CCCS is positioning itself as an AI-first platform, with the acquisition of EvolutionIQ for $730 million being a key move to accelerate value creation and expand into the casualty claims management space.
• Capital Allocation: Institutional support allows the company to execute capital return programs, like the $300 million share repurchase program, under which approximately 30 million shares were bought back for around $280 million year-to-date in 2025. This signals confidence and helps support the stock price.
• Strategic Monitoring: Large blockholders, particularly Advent, have the incentive and power to actively monitor and influence major corporate decisions, ensuring the company sticks to its plan of delivering a full-year 2025 revenue guidance of $1.051 billion to $1.056 billion.

What this high ownership hides is that if a handful of these large, active investors decide to sell, the stock could see a sharp drop due to the lack of a large, offsetting retail investor base. Still, for now, the institutional buying suggests they believe the AI-driven strategy will deliver on the long-term potential outlined in the Mission Statement, Vision, & Core Values of CCC Intelligent Solutions Holdings Inc. (CCCS).

Next Step: Finance and Strategy teams should model the impact of a 5% divestiture by the top three non-index institutional holders to stress-test the stock's liquidity and price floor.

Key Investors and Their Impact on CCC Intelligent Solutions Holdings Inc. (CCCS)

If you're looking at CCC Intelligent Solutions Holdings Inc. (CCCS), the first thing to understand is that this stock is overwhelmingly controlled by big money. Institutional investors-the mutual funds, pension funds, and major asset managers-own a staggering 95.79% of the company's shares. This high concentration means a few major players drive the stock's stability and strategic direction, so their moves are your leading indicator.

The investor profile here is not about retail traders; it's about massive, long-term capital allocators who believe in the core Software as a Service (SaaS) platform powering the property and casualty (P&C) insurance economy. They are buying the company's position as a near-monopoly that uses artificial intelligence (AI) to digitize complex workflows. You can see their conviction in the company's Mission Statement, Vision, & Core Values of CCC Intelligent Solutions Holdings Inc. (CCCS).

The Heavy Hitters: Who's Buying and Why

The list of top investors reads like a who's who of global asset management, indicating a strong belief in CCCS's resilient, high recurring revenue model. These aren't just passive index funds, although they are present; they are active managers making significant capital commitments.

The largest institutional holder, Vanguard Group Inc., reported a position of 65,902,505 shares in their most recent Q3 2025 filing, valued at over $600,372,000. T. Rowe Price Investment Management, Inc. and Advent International LP are also among the top owners, showing a consensus among growth and private equity-backed investors that CCCS has a long runway. Principal Financial Group Inc. is another key player, increasing their stake by 20.4% in Q3 2025 to own 38,305,155 shares, worth approximately $348,960,000.

Here's the quick math: when firms like these hold such large positions, they are essentially underwriting the company's long-term strategy, especially its investment in AI-enabled solutions.

Investor Influence and Recent Capital Moves

With nearly 96% institutional ownership, these investors exert enormous influence. Their collective view on the company's growth trajectory-especially its ability to hit its full-year 2025 revenue guidance of $1.055 billion to $1.065 billion-is what sets the stock price. You won't see a lot of public activist campaigns because the company's former private equity backers and large funds generally align with management's focus on high-margin SaaS growth.

However, you do see influence in capital allocation decisions. The board authorized a share repurchase program of up to $300 million, a move that signals confidence to investors by reducing the share count and boosting earnings per share (EPS). Through the third quarter of 2025, CCCS had already repurchased 22.8 million shares for $217.2 million under this program. That's a strong, tangible action that supports the stock price.

Recent trading activity shows a clear, though not universal, bullish sentiment from the funds:

• Vanguard Group Inc. and Principal Financial Group Inc. both significantly boosted their positions in Q3 2025.
• Wasatch Advisors LP also raised its stake by 43.7% in the third quarter.
• On the flip side, Bank of New York Mellon Corp reduced its position by 7.4% in the second quarter of 2025.
• We also saw insider selling, with one executive selling 150,000 shares in September 2025 for $1,438,500.00, which is something to defintely monitor, as it reduced their holding by almost half.

The overall picture is one of institutional accumulation, betting on the company's ability to deliver the consensus analyst forecast of $0.17 EPS for the full fiscal year 2025. The risk here is that if the company misses on its guidance, a large institutional sell-off could happen fast, but for now, the smart money is mostly leaning in.

Next step: Check the Q4 2025 earnings call transcript for any shift in management's tone on the 2026 outlook. Finance: track the remaining share repurchase authorization amount.

Market Impact and Investor Sentiment

If you're looking at CCC Intelligent Solutions Holdings Inc. (CCCS), the investor sentiment is best described as a complex, data-driven 'Hold' right now, but with some big money making aggressive moves. Institutional investors, the giants like BlackRock, Inc. and The Vanguard Group, Inc., own the vast majority of the stock, holding around 95.8% of the shares. This high concentration means the stock is less susceptible to retail investor noise, but highly sensitive to the decisions of a few large players.

The overall analyst consensus is a 'Hold,' with an average price target sitting at $11.38 as of late 2025. This neutral stance is a classic sign of a company with solid fundamentals but a stock price that's already priced in much of the near-term growth. The divergence in recent institutional activity, however, tells a more interesting story about who is buying and why.

• T. Rowe Price Group is a top holder with a significant stake.
• The Vanguard Group, Inc. is another major institutional owner.
• BlackRock, Inc. also holds a notable position.

Divergent Investor Moves: Who's Selling, Who's Buying?

We've seen a clear split in big-money action in the second half of the 2025 fiscal year. On the one hand, you have some large institutions trimming their positions. For example, Bank of New York Mellon Corp reduced its stake by 7.4% in Q2 2025, selling 175,867 shares. Also, insider John Page Goodson sold 150,000 shares in September 2025, a nearly 48.8% reduction in his holding, which is defintely a signal to watch.

But on the other side, some smart money is doubling down. Principal Financial Group Inc. boosted its position by a substantial 20.4% in the third quarter, acquiring an additional 6,501,213 shares valued at approximately $348,960,000. That's a huge vote of confidence. Plus, Alfreton Capital LLP dramatically increased its stake by 381.0% in Q2 2025. This suggests a deep conviction among certain sophisticated investors about the company's long-term play in AI-driven insurance solutions, which you can read more about in their Mission Statement, Vision, & Core Values of CCC Intelligent Solutions Holdings Inc. (CCCS).

Recent Market Reactions to Financials

The stock market's reaction to CCC Intelligent Solutions Holdings Inc.'s Q3 2025 earnings in October was a perfect illustration of the mixed sentiment. The company reported a strong 12% year-over-year revenue increase to $267.1 million, but the non-GAAP earnings per share (EPS) of $0.09 fell slightly short of analyst estimates. The market response was muted, with the stock showing only a modest gain of about 0.78% in pre-market trading. This tells you that investors are focused less on top-line growth and more on bottom-line profitability and future guidance.

Here's the quick math on their full-year guidance, which is key to near-term trading:

Analyst Perspectives: The Key Investor Impact

The analyst community is not in lockstep, which is why you see a price target range from a low of $9.50 to a high of $14.00. The impact of the key investors is less about their sheer size and more about their belief in the company's core strategy: using a Software as a Service (SaaS) platform to drive AI-enabled digital workflows in the property and casualty (P&C) insurance economy.

Analysts who maintain a 'Buy' or 'Outperform' rating, like Barrington Research with its $14.00 target, are betting that CCC Intelligent Solutions Holdings Inc.'s strong gross profit margins-around 75.9% in Q2 2025-will continue to fuel its market dominance and that the long-term AI story outweighs the near-term earnings hiccups. Those who've lowered targets are likely reacting to the slightly lower-than-expected full-year revenue guidance (midpoint of $1.0535 billion) and the persistent GAAP net loss, which was $2.0 million in Q3 2025. The action item is clear: watch the institutional buying trends, because they're the ones driving the biggest moves in a stock with this much institutional control.