CCC Intelligent Solutions Holdings Inc. (CCCS): Business Model Canvas [Dec-2025 Updated]

You're digging into the mechanics of a truly sticky enterprise software play, and frankly, CCC Intelligent Solutions Holdings Inc.'s model is a masterclass in embedding yourself into a complex industry. This is a classic, high-retention Software-as-a-Service platform powering the entire property and casualty claims economy, which is why their projected 2025 revenue guidance sits between $1.051 billion and $1.056 billion. With gross dollar retention holding steady at 99%, the question isn't if they'll renew, but how much more they'll sell into that base. Below, I've mapped out the nine essential building blocks of their business so you can see exactly how they lock in value across insurers, repair shops, and suppliers.

CCC Intelligent Solutions Holdings Inc. (CCCS) - Canvas Business Model: Key Partnerships

You're looking at the backbone of CCC Intelligent Solutions Holdings Inc.'s (CCCS) value creation-the partners that make the multi-sided network function. This isn't just about having connections; it's about the sheer volume and strategic depth of those integrations. Honestly, the numbers here tell the story of market penetration better than any abstract strategy document.

The platform's reach into the parts supply chain is significant. We see this in the transaction volume, which shows how deeply embedded CCC Intelligent Solutions is in the daily operations of its users. For instance, in 2024, the company processed $20B in parts orders. As of the latest reports, 27.5M parts are quoted daily within the CCC ONE® platform, supporting the network of parts suppliers.

The repair ecosystem is equally robust. While the prompt mentions over 30,000 clients, the data from mid-2024 confirms that CCC now has over 30,000 repair facilities on the CCC platform. Furthermore, specific solution adoption is growing; as of Q3 2025, CCC Build Sheets were adopted by over 5,500 repair facilities.

Here's a quick look at the scale of the core network participants based on the latest figures we have:

The network extends to financial entities, as CCC Intelligent Solutions Holdings Inc. connects with lenders to help facilitate commerce and consumer financing within the claims process.

The commitment to industry standards is cemented by CCC Intelligent Solutions' role as a founding member of the Collision Industry Electronic Commerce Association (CIECA). This involvement ensures interoperability, primarily through the use of the CIECA BMS standard (Business Message Suite) across its CCC Secure Share™ network. This network itself is leveraged by over 60 companies to securely exchange data with repairers.

Strategic technology partnerships are critical for handling modern vehicle complexity, especially Advanced Driver Assistance Systems (ADAS). CCC Intelligent Solutions actively expands its Diagnostics Network with specialized providers. For example, the integration with Opus IVS allows repairers to access ADAS Map calibration guidelines directly within CCC ONE® and add them to the estimate with a simple click. Also, Kinetic was recently added to the Diagnostics Network, connecting its Kinetic Intelligence platform to automate the identification of necessary OEM calibration requirements within CCC ONE®.

The company's expansion into adjacent lines of business is driven by strategic acquisitions, like that of EvolutionIQ. This integration is opening up new markets, specifically workers' compensation and disability claims. To give you a sense of the scale of that acquired technology, EvolutionIQ's Medhub product processed 6 million documents in the past 12 months leading up to Q3 2025.

You should track the continued expansion of these specific technology integrations. Finance: draft 13-week cash view by Friday.

CCC Intelligent Solutions Holdings Inc. (CCCS) - Canvas Business Model: Key Activities

Developing and deploying AI-enabled digital workflow solutions.

• Mobile Jumpstart surpassed an annualized run rate of over 1 million AI-based repair estimates in the third quarter of 2025.
• A top-20 insurer adopted CCC Intelligent Solutions Holdings Inc.'s AI-enabled workflow solution for audit review during the third quarter of 2025.
• More than 100 insurers and thousands of collision repairers leverage CCC Intelligent Solutions Holdings Inc.'s AI solutions in processing tens of millions of auto claims and repairs.

Maintaining and scaling the cloud-based multi-sided network.

Integrating the EvolutionIQ acquisition for Casualty business expansion.

• The acquisition price for EvolutionIQ was $730 million.
• EvolutionIQ's Medhub product processed 6 million documents in the 12 months leading up to the third quarter of 2025.
• The Casualty business segment is reported to be outpacing overall company growth.

Continuous cross-selling and upselling of new modules to existing clients.

• Net Dollar Retention (NDR) was 105% in the third quarter of 2025.
• Gross Dollar Retention (GDR) held at 99% in the third quarter of 2025.
• In the third quarter of 2025, a top-25 client became a new customer for EvolutionIQ's workers' comp solution.
• Net Dollar Retention (NDR) was 106% in the first quarter of 2025.

Research and development to accelerate value creation across the ecosystem.

• CCC Intelligent Solutions Holdings Inc. reported an 8% year-over-year increase in Adjusted EBITDA to $110.1 million in the third quarter of 2025.
• The company is reallocating spend to high ROI opportunities.
• Management highlighted significant investments to accelerate value creation across the insurance claim and repair ecosystem in the third quarter of 2025.

CCC Intelligent Solutions Holdings Inc. (CCCS) - Canvas Business Model: Key Resources

The foundation of CCC Intelligent Solutions Holdings Inc.'s business rests on several critical, proprietary assets that create significant barriers to entry and drive customer value.

Proprietary CCC Intelligent Experience (IX) Cloud™ platform.

• The platform connects more than 35,000 companies across the P&C insurance economy.
• It is powered by proven AI and an innovative event-based architecture.

Extensive, high-value data assets from over $100 billion in annual transactions.

The sheer scale of data flowing through the network is a core resource, underpinning the intelligence layer.

High-retention customer base, with Gross Dollar Retention at 99%.

Customer stickiness is evident in the retention figures, showing the perceived value of the network effect.

• Gross Dollar Retention (GDR) was 99% in Q3 2025.
• GDR has been in line with 99% for the last six quarters reported.

Artificial Intelligence (AI) and Machine Learning (ML) technologies.

The application of AI/ML is directly tied to operational milestones and product adoption.

• EvolutionIQ's Medhub product processed 6 million documents in the trailing 12 months ending Q3 2025.
• Mobile Jumpstart surpassed an annualized run rate of over 1 million AI-based repair estimates.
• Build Sheets, an element of the platform, are adopted by over 5,500 repair facilities.
• A top-20 insurer adopted CCC's AI-enabled workflow solution for audit review in Q3 2025.

Specialized talent in software engineering and data science.

The company has been making organizational investments to support this focus.

• The company separated the Chief Product Officer and Chief Technology Officer roles.

CCC Intelligent Solutions Holdings Inc. (CCCS) - Canvas Business Model: Value Propositions

You're looking at the core reasons why property and casualty (P&C) insurers and repairers stick with CCC Intelligent Solutions Holdings Inc. (CCCS). It's about delivering measurable, tangible improvements to the claims lifecycle, especially as vehicle complexity and repair costs keep climbing.

AI-powered automation for faster, more accurate claims processing.

The value here is directly tied to getting work done faster and with fewer errors. We see this reflected in the adoption metrics for their intelligent tools. For instance, Mobile Jumpstart, which uses AI for repair estimates, surpassed an annualized run rate of over 1 million AI-based repair estimates. Also, a top-20 insurer adopted CCC Intelligent Solutions Holdings Inc.'s AI-enabled workflow solution specifically for audit review during the third quarter of 2025. This focus on automation is critical when you consider that CCC data indicates total industry claim counts were down 8.5% year-over-year through July 2025, meaning efficiency gains are paramount to managing profitability.

Centralized digital hub connecting all P&C insurance trade partners.

The platform acts as the central nervous system for the claims ecosystem. CCC Intelligent Solutions Holdings Inc. operates a SaaS platform that connects insurers, repair facilities, parts suppliers, and others. This network processes over $100 billion in annual transactions across more than 35,000 companies. Customer stickiness is high, as evidenced by the Gross Dollar Retention (GDR) holding steady at 99% in Q3 2025, though Net Dollar Retention (NDR) dipped to 105% from 107% the prior quarter, which management attributed to deal timing. The platform's scale is a major value driver.

Improved efficiency and lower claim cycle times for insurers and repairers.

The platform's integration depth directly translates to cycle time improvements, a key metric for insurer satisfaction. We can see the adoption of digital tools driving this. For example, Build Sheets, which digitize repair information, are now used by over 5,500 repair facilities, up from about 5,000 in the previous quarter. This connectivity helps manage the complexity introduced by modern vehicles. Repairs involving multiple Advanced Driver-Assistance Systems (ADAS) calibrations averaged over 17 days from vehicle-in to vehicle-out in Q1 2025, compared to 13 days for repairs with no calibrations, showing the time impact of complexity that the platform must manage. The company posted Q3 2025 total revenue of $267.1 million, a 12% increase year-over-year, reflecting the value captured by their customer base.

Expansion into complex injury claims via EvolutionIQ's Medhub solution.

CCC Intelligent Solutions Holdings Inc. is actively moving beyond property damage into casualty claims, leveraging the acquisition of EvolutionIQ. The Medhub for Casualty solution became generally available in Q3 2025. This specific AI-powered medical synthesis tool processed 6 million documents in the preceding 12 months. The Casualty business is a growth engine, currently representing about 10% of revenue, or roughly $100,000,000 on a run-rate basis, with management aiming for it to reach the scale of the Auto Physical Damage (APD) business over time. EvolutionIQ was projected to contribute $45-50 million in revenue for the full year 2025.

Mission-critical, high-uptime SaaS platform with deep workflow integration.

The platform's reliability is foundational to its value proposition, as downtime stops the entire claims process. The recurring nature of the revenue stream underscores this reliance. Approximately 80% of CCC Intelligent Solutions Holdings Inc.'s software revenue is subscription-based, providing stability. The company achieved an Adjusted EBITDA of $110.1 million in Q3 2025, representing a 41% margin, demonstrating operational leverage from this stable, integrated base. The full-year 2025 revenue guidance is projected to be between $1.051 billion and $1.056 billion.

Here's a quick look at the financial context supporting these value drivers as of Q3 2025:

The platform's ability to drive these financial outcomes for its users is the real value proposition.

CCC Intelligent Solutions Holdings Inc. (CCCS) - Canvas Business Model: Customer Relationships

You're looking at how CCC Intelligent Solutions Holdings Inc. keeps its massive network of insurers and repairers locked in and growing their spend. The relationship strategy is clearly bifurcated: high-touch for the whales and scalable digital for the masses.

High-touch, strategic partnerships with top-tier insurers (e.g., Liberty Mutual).

For the largest Property & Casualty (P&C) carriers, the relationship is deep and strategic. CCC Intelligent Solutions Holdings Inc. is actively working to deepen these ties, which is evident in their recent wins. For instance, in Q3 2025, Liberty Mutual was reported as actively transitioning a substantial portion of their casualty business onto the CCC platform. Furthermore, in Q2 2025, the company noted securing another top-20 insurer for its AI-enabled subrogation platform, which serves 25 CCC customers total. The focus here is on embedding their technology into core, complex processes like casualty claims.

Dedicated account management for large, sophisticated enterprise customers.

The success in these top-tier accounts is reflected in the retention numbers, which show very little leakage and significant expansion. Management noted in Q3 2025 that adoption continued to improve across the platform, particularly among their largest and most sophisticated customers. This high-touch approach drives the expansion metrics we see:

Self-service and digital support for the large base of repair facilities.

For the repair facility segment, the relationship is managed through high-volume, scalable digital tools. The platform connects over 30,500 repair facilities. The strategy here is driving adoption of specific digital tools that help them capture more business, especially in the consumer self-pay market, which is estimated at approximately 25% of repair data. You can see the digital adoption scaling:

• Build Sheets adoption grew to over 5,500 repair facilities as of Q3 2025.
• Mobile Jumpstart surpassed an annualized run rate of over 1 million AI-based repair estimates.

Strong focus on renewals and contract expansions over new logo acquisition.

The financial results defintely support a strategy leaning heavily on existing customer value. In Q3 2025, management specifically highlighted momentum driven by multiple renewals, relationship expansions, and new business wins. The 106% to 107% Net Dollar Retention rate is the clearest proof point; it means that even without adding a single new major insurer (new logo), the existing customer base is spending 6% to 7% more year-over-year. This focus on expansion within the existing ecosystem is a hallmark of a mature SaaS platform.

Deep integration into customer workflows creating high switching costs.

The platform's value is cemented by its deep operational embedding. When a top-20 insurer adopts an AI-enabled workflow, that system becomes mission-critical. The integration of EvolutionIQ's Medhub, for example, is being rolled out to enhance casualty claims management, providing AI-powered synthesis and best next action recommendations. This level of integration, connecting insurers, repairers, and suppliers across the P&C economy, creates a powerful network effect. If you pull out, you lose access to the standardized, AI-enhanced data flow that manages billions in transactions. The company is positioning itself as the central hub for the insurance economy, which naturally raises the barrier to exit for any large participant. Finance: draft 13-week cash view by Friday.

CCC Intelligent Solutions Holdings Inc. (CCCS) - Canvas Business Model: Channels

You're looking at how CCC Intelligent Solutions Holdings Inc. gets its platform and intelligence into the hands of the insurance economy participants. It's a multi-pronged approach, relying heavily on direct engagement with the biggest players and the inherent network effect of their cloud.

Direct sales force targeting insurance carriers and large enterprises

The direct sales motion is clearly focused on landing and expanding within the largest carriers. For instance, in the third quarter of 2025, CCC Intelligent Solutions Holdings Inc. secured a new Casualty relationship with a top 10 insurer and also closed multiple renewals and expansions across that base, including a renewal with a top 5 insurer. Management also pointed to a major win with a top 20 insurer adopting Intelligent Reinspection, and Liberty Mutual actively transitioning a substantial portion of their casualty business onto the platform. To put this in perspective, the Casualty business currently represents about 10% of total revenue, which translates to roughly $100,000,000 in run rate revenue, served by about 50 clients. This contrasts with the Auto Physical Damage (APD) side, which is closer to $400,000,000 in run rate revenue across about 300 clients.

Direct platform access via the CCC Intelligent Experience (IX) Cloud™

The core channel is direct access through the CCC Intelligent Experience (IX) Cloud™ platform. This platform acts as the central hub, connecting a massive ecosystem of participants. The scale here is significant; the platform connects more than 35,000 businesses. Through this cloud, the company processes over $100 billion in annual transactions. The platform's success is reflected in its high customer retention metrics, with software gross dollar retention (GDR) near 99% and net dollar retention (NDR) around 106% to 107% as of early 2025.

In-platform adoption and cross-sell motions for new solutions like Build Sheets

Once a customer is on the platform, the channel shifts to in-platform adoption and cross-selling new AI-powered capabilities. This is where you see the direct impact of product rollout on the repair facility side. For example, Build Sheets, one of these emerging solutions, was adopted by over 5,500 repair facilities as of the third quarter of 2025, marking an increase from about 5,000 in the prior quarter. Also, the Mobile Jumpstart solution surpassed an annualized run rate of over 1 million AI-based repair estimates. Overall, these emerging solutions contributed just over two percentage points of total revenue growth in Q3 2025, representing about four percentage points of the total revenue mix, and they remain the fastest-growing portion of the portfolio.

Industry events and thought leadership to drive digital transformation

While specific attendance numbers aren't public, the company actively engages through industry presence to drive its digital transformation narrative. The leadership team presented at events like Citi's 2025 Global Technology, Media and Telecommunications Conference in September 2025. This thought leadership reinforces the platform's role in orchestrating the complex, on-the-spot supply chain created by every auto accident.

API and secure data exchange networks (CCC Secure Share™) for partners

The platform's architecture inherently relies on secure data exchange, which is amplified by its API capabilities. The core channel is the network itself, which is designed to connect disparate parties efficiently. The platform taps into more than $1 trillion in historical data, which fuels its AI-driven insights for decision-making. This connectivity is the foundation for partners to exchange data seamlessly.

Here's a quick look at the network scale that underpins these channels as of mid-to-late 2025:

The ability to synthesize data across these connections helps streamline workflows, which is the value proposition delivered through these channels. For example, the EvolutionIQ acquisition is being integrated to cross-sell workers' comp solutions to existing auto casualty clients, showing a clear channel strategy for new product penetration.

Finance: draft 13-week cash view by Friday.

CCC Intelligent Solutions Holdings Inc. (CCCS) - Canvas Business Model: Customer Segments

You're looking at the core user base that drives the entire CCC Intelligent Experience (IX) Cloud™ platform. This network effect is what makes the data so valuable; it's a multi-sided marketplace connecting all the key players in the insurance economy.

CCC Intelligent Solutions Holdings Inc. serves distinct, yet interconnected, customer segments. As of late 2025, the platform connects more than 35,000 businesses in total, up from over 35,000 reported in mid-2024. The data processing volume is massive, based on information derived from 300 million claims-related transactions.

Here is a breakdown of the primary customer segments and their scale, incorporating the latest reported figures:

The depth of engagement within these segments shows clear expansion, especially with the largest players. For instance, one top-10 insurer increased the volume of claims leveraging at least one CCC AI model from roughly 15% of their claims to about 40% over the past year. This cross-sell and upsell momentum is reflected in the 105% Net Dollar Retention (NDR) reported for Q3 2025.

You can see the concentration of value in the established segments:

• Property and Casualty Insurance Carriers: Representing the core of the platform's transaction volume.
• Auto Physical Damage Repairers: A large, fragmented base adopting new efficiency tools like Build Sheets.
• Parts Suppliers: Essential for the physical repair workflow execution.
• Automakers: Strategic partners providing vehicle data and insights.

The growth in the casualty side is a key focus area for future scale. The company sees potential for the casualty business to 'reach or even exceed the scale of our auto physical damage insurance business over time'. Finance: draft Q4 2025 revenue projection variance analysis by next Tuesday.

CCC Intelligent Solutions Holdings Inc. (CCCS) - Canvas Business Model: Cost Structure

You're looking at the core expenses that fuel CCC Intelligent Solutions Holdings Inc.'s platform, which is heavily weighted toward technology and growth initiatives. As a leading SaaS provider, a significant portion of the cost structure is inherently fixed or semi-fixed, tied to maintaining and scaling its cloud-based infrastructure and developing its AI capabilities.

The most direct measure of the cost of delivering the service for the third quarter of 2025 was the GAAP Cost of Revenue, which amounted to approximately $74.1 million, derived from Total Revenue of $267.1 million less GAAP Gross Profit of $193.0 million for that period.

Investment in the technology itself is a major driver of costs, particularly in Research & Development (R&D) to maintain the AI/ML advantage. This is a necessary expense to keep the platform relevant in a rapidly digitizing insurance economy. Personnel costs are also substantial, reflecting the need to expand engineering teams and implement organizational changes, such as separating the Chief Product Officer and Chief Technology Officer roles mentioned in late 2025.

Here's a look at the latest reported operating expenses that feed into this structure, using the second quarter of 2025 figures as the most granular, recent data available outside of the Cost of Revenue:

The high fixed costs associated with cloud infrastructure and platform hosting are reflected in the overall operating expense base, even if not itemized separately as a fixed cost line item in the public filings. The company's commitment to platform modernization and AI adoption means these technology-related expenditures remain high.

Sales and Marketing expenses are crucial for driving adoption, especially for cross-selling solutions like EvolutionIQ's products into the existing customer base and securing new relationships. The focus on expanding the Casualty business, which was around 10% of revenue, requires continued go-to-market refinement.

You can see the scale of investment in the following breakdown of key operating expense categories from the first quarter of 2025:

• Research and development Expense: $61.763 million.
• Selling and marketing Expense: $48.297 million.
• Total operating expenses for Q1 2025: $195.691 million.
• Personnel costs are embedded within R&D and General and Administrative, supporting organizational structure expansion.

Finance: draft 13-week cash view by Friday.

CCC Intelligent Solutions Holdings Inc. (CCCS) - Canvas Business Model: Revenue Streams

You're looking at how CCC Intelligent Solutions Holdings Inc. actually brings in the money, which is key for valuing any SaaS platform. Honestly, the model is built for predictability, which is what institutional investors really like to see. The core of the revenue streams is heavily weighted toward recurring fees.

Subscription revenue represents approximately 80% of total revenue. This is the bedrock of the model, giving CCC Intelligent Solutions Holdings Inc. that reliable, recurring income stream that underpins the entire valuation. This is the part of the business that management often points to when discussing the model's scalability and resilience across economic cycles.

The remaining portion comes from transactional revenue (e.g., per-claim or per-estimate fees), about 20% of revenue. While smaller, these transaction-based fees often scale directly with client activity, offering a nice variable component tied to the volume of claims processed through the platform.

Here's a quick look at the revenue components and recent growth attribution based on the latest figures:

Management is clearly pushing new areas, and the numbers show where that effort is landing. Revenue from emerging solutions (e.g., Casualty, Diagnostics) is the fastest-growing portion of the portfolio. For the third quarter of 2025, the contribution from these Emerging Solutions expanded to just over 4 percentage points of total revenue.

Growth isn't just about new customers; it's about deepening relationships with the ones you already have. In the third quarter of 2025, upsell/cross-sell to existing clients drove approximately 5 points of the total growth reported. This metric, often tracked as Net Dollar Retention (NDR), was 105% in Q3 2025, showing that even with some volume timing differences, existing customers are spending more on the platform year-over-year.

Looking ahead, the financial outlook confirms the expected scale of the business. The Full Year 2025 Revenue Guidance is set between $1.051 billion and $1.056 billion. This guidance, updated after Q3 2025 results, reflects a strong year, with Q3 total revenue itself hitting $267.1 million.

You can see the growth vectors clearly when you break down the Q3 2025 growth drivers:

• Cross-sell, upsell, and adoption across the client base contributed approximately 5 points.
• New logos, mainly repair facilities and parts suppliers, contributed approximately 3 points.
• The EvolutionIQ segment contributed about 4 points of growth in the quarter.

The focus on expanding the network effect is evident in how they segment growth. Finance: draft 13-week cash view by Friday.