CCC Intelligent : Investor Presentation (May 1, 2026)

Published: 2026-05-06 07:25:20 ET CCC

Published on 05/06/2026 at 07:25 am EDT

CCC INTELLIGENT SOLUTIONS

HOLDINGS INC.

I N V EST OR P R ESEN T A T ION

MAY - JUNE 2026

D ISC LA IM ER ( C O N T ' D )

Industry and Market Data. In this presentation, CCC relies on and refers to certain information and statistics obtained from third-party sources including reports by market research firms. CCC has not independently verified the accuracy or completeness of any such third-party information. You are cautioned not to give undue weight to such industry and market data.

This presentation may include trademarks, service marks, trade names and copyrights of CCC, which are the property of their respective owners. Solely for convenience, some of the trademarks, service marks, trade names and copyrights referred to in this presentation may be listed without the TM, SM, (C), (R) or TM symbols, but CCC will assert, to the fullest extent under applicable law, the right of the applicable owners, if any, to these trademarks, service marks, trade names and copyrights.

Non-GAAP Financial Measures. This presentation includes certain financial measures not presented in accordance with generally accepted accounting principles in the U.S. ("GAAP"), including, but not limited to, "Adjusted EBITDA," "Adjusted EBITDA Margin," "Adjusted Gross Profit," and "Adjusted Gross Profit Margin" in each case presented on a non-GAAP basis, and certain ratios and other metrics derived therefrom. These non-GAAP financial measures are not measures of financial performance in accordance with GAAP and may exclude items that are significant in understanding and assessing the Company's financial results. Therefore, these measures should not be considered in isolation or as an alternative to other measures of profitability, liquidity or performance under GAAP. You should be aware that the Company's calculation of these non-GAAP measures may not be comparable to similarly-titled measures used by other companies.

The Company believes these non-GAAP measures of financial results provide useful information to management and investors regarding certain financial and business trends relating to the Company's financial condition and results of operations. The Company believes that the use of these non-GAAP financial measures provides an additional tool for investors to use in evaluating ongoing operating results and trends in and in comparing the Company's financial measures with other similar companies, many of which present similar non-GAAP financial measures to investors. These non-GAAP financial measures are subject to inherent limitations as they reflect the exercise of judgments by management about which expense and income are excluded or included in determining these non-GAAP financial measures. Please refer to the reconciliations of these measures below to what the Company believes are the most directly comparable measures evaluated in accordance with GAAP.

This presentation also includes certain projections of non-GAAP financial measures. Due to the high variability and difficulty in making accurate forecasts and projections of some of the information excluded from these projected measures, together with some of the excluded information not being ascertainable or accessible, CCC is unable to quantify certain amounts that would be required to be included in the most directly comparable GAAP financial measures without unreasonable effort. Consequently, no disclosure of estimated comparable GAAP measures is included and no reconciliation of the forward-looking non-GAAP financial measures is included for these projections.

B U S I N E S S A N D P R O D U C T

O V E R V I E W

Our platform helps customers drive revenue and profitability across >s200 billion of transactions annually

Comprehensive suite of Auto Physical Damage (APD) solutions for

300. insurers(1)

OEMs

Casualty

AI-enabled Event-driven

Complete operating system to attract, deliver, and manage repairs for 30,U00. repair facilities(2)

Disability

Leading bodily injury claims solutions across Casualty, Disability, and Work Comp lines

SaaS solutions that digitize workflows to drive optimal decisions and customer outcomes

architecture

IX Cloud

Enabling Intelligent Experiences

Data | AI | Ecosystem

Work Comp

3UK.

Complete operating system and network to attract, deliver, and manage quality repairs

Suppliers

Dealers

Network solutions to enhance OEM value and customer experience across vehicle lifecycle

Multiple additional growth pathways into P&C and Life & Disability insurance lines of business

100% SaaS

companies

E-commerce solutions to enable parts sales from more than 9,000 parts suppliers

Others (ISVs | Service Providers | Broader Ecosystem)

Repair Facilities

Auto Physical Damage

Integrations and data to connect other participants to CCC network

Includes self-insurers and other entities processing insurance claims

Includes other entities that estimate damaged vehicles 5

Mission-critical for insurers and repairers

3UK.CUSTOMERS

TOTAL

Trusted and relied upon by our customers

99%

GROSS DOLLAR RETENTION(1)

Demonstrated customer expansion

I06%RETENTION(1)

NET DOLLAR

Durable, long-term organic growth

II%

2020-2025

REVENUE CAGR(2)

Strong operating leverage and margins

4I%

2025 ADJUSTED EBITDA MARGIN

As of December 31, 2025. See "Definitions" in Appendix

Revenue excludes Casualty 1st Party Clinical (divested 2020) and EvolutionIQ (acquired January 2025)

large, resilient TAM ready for digitization

AI-enabled SaaS platform powered by 100% multi-tenant cloud(1)

Blue chip customer base

with strong account retention and ongoing growth potential

Mission-critical, deeply-integrated software with multiple network effects

Highly-recurring and visible SaaS revenue model delivered via multi-year subscriptions

20+ consecutive years of

revenue growth and profitability(2)

Highly experienced team delivering strong growth in equity value for 20+ years

Solutions rely on CCC and third-party hosted storage or processing, including public infrastructure

Excludes Casualty 1st Party Clinical (divested 2020) and discontinued Europe and Consumer Services businesses (discontinued 2001) Source: CCC data

AUTOMOTIVE

Auto

EvolutionIQ

Repair Facilities

Parts & Other

Industry Leading Solutions

SaaS solutions that digitize workflows, decisions, and customer experience

Digital engagement

Decision engines

Workflow automation

AI claims guidance platform with embedded document synthesis

Document synthesis

Claims guidance

AI deployment support

Complete repair facility OS to attract, deliver, and manage repairs

Lead generation

Repair operations

Back-office functions

Connections to OEMs, dealers, parts suppliers, salvage, tow & more

Network connections

Data and analytics

Workflow automation

Sample Solutions

Auto Physical Damage Casualty

Intelligent APD Subrogation

Disability Work Comp Casualty

General Liability

Estimating

Direct Repair Program Shop Management Business Office

Parts Ordering Diagnostics OEM Networks Payments

Revenue Model

Subscription

(bundled solutions)

Recurring transaction

(volume-based)

Subscription

(bundled solutions)

Subscription

(tiered packages)

Subscription Add-Ons

Subscription

(tiered packages)

Recurring transaction

(percent of GMV)

% of Revenue (1)

45%

43%

Excluding China, as of December 31, 2025. EvolutionIQ acquired January 2025

Pioneer in AI claims guidance

AI-enabled CRM suite with NLP

Innovating with new AI use cases

Multi-point combined ratio impact

90M+ texts / year via our platform

Billions of images and documents

Best-in-class medical synthesis

First AI estimating tool in market

Broad ecosystem potential

Live in Work Comp, Casualty

Deep integration into CCC ONE

Strong customer engagement

30M+ unique claims processed

Real-world results and ROI

Computer vision and LLMs

Numerous use cases in market

12U. insurers

in production

9 of top 1U

disability insurers

1U,000. collision

repair facilities in production

s200B.

of commerce on CCC network

Parts & Other

Repair Facilities

EvolutionIQ

Auto

AUTOMOTIVE

INSURANCE

>s2T OF HISTORICAL DATA

~I0% REVENUE FROM AI SOLUTIONS

I0. YRS OF AI DEPLOYED IN MARKET

CRM

Estimating

CCC's AI-powered, highly interconnected platform is purpose-built to address industry's complexity challenges

Vehicle complexity

Medical complexity

Extreme weather

Supply chain uncertainty

MACRO

OPERATIONAl

ECOSYSTEM

Labor shortages

Skill gaps

AI proliferation

New consumer expectations

Emerging technologies

New data sources

Systems integrations

Coordination challenges

Examples

sN30B. s1T. s2T.

s3UB.

long-term growth potential

Annual Direct Written Premiums (DWP)

GLOBAL P&C

Expand use of new and existing products

Geographic expansion

Further M&A opportunities

CCC Total Addressable Market(1)

sIUB.

US P&C + Disability

Multi-line expansion

New customer expansion

Further M&A opportunities

9 of Top-1U(2)

Disability Insurers

2N of Top-30(2)

P&C Insurers

Global P&C s3UB.

US P&C s1UB.

US Auto s10B.

27 of Top-30(2)

Auto Insurers on CCC platform

sI0B.

US AUTO

Based on 2024 assessment 11

Based on 2024 Direct Written Premium

Source: S&P SNL P&C Group- used by permission, analyst reports, CCC and EvolutionIQ data and estimates as of 2024

Claims

300

Other

130

US Auto Premiums ($B)

430B+

Loss Adjustment Expense (LAE)

Accuracy Ecosystem

s30B.

Claims handling expenses

s10B.

Avoidable claims leakage

s290B.

Claims payouts

U:1

Target value capture rate(2)

s9B.

Digitizing claims handling

s2B.

Eliminating leakage

s2B.

Digitizing ecosystem

s10B. addressable US market with several

adjacencies available

Market Opportunity

Based on 2024 assessment

Long-run target based on accelerating industry demand for digital solutions

Source: S&P SNL P&C Group - used by permission, CCC data and management estimates, McKinsey as of April 2020

INSURANCE ECONOMY (AUTO)

CCC monetization:

CCC STATS

Government entities

Auctions

Labor

Sublets

Glass

Resellers

Recyclers

Consumers

Dealers

Aftermarket Parts

Other Suppliers

Rentals

Towing

Lenders

Insurers

Repair Facilities

OEMs

Medical Providers

Fleets

s200B.

ANNUAL TRANSACTIONS

s2T.

HISTORICAL DATA

3UK.

COMPANIES

300+ Insurers (27 of Top 30)

30.5k+ Repair Facilities

6.0k+ Parts Suppliers

All Major OEMs

Solutions rely on CCC and third-party hosted storage or processing, including private and public infrastructure Source: CCC data

INSURANCE OVERVIEW:

AUTO

Our platform helps customers drive revenue and profitability across >s200 billion of transactions annually

Comprehensive suite of Auto Physical Damage (APD) solutions for

300. insurers(1)

OEMs

Casualty

AI-enabled Event-driven

Complete operating system to attract, deliver, and manage repairs for 30,U00. repair facilities(2)

Disability

Leading bodily injury claims solutions across Casualty, Disability, and Work Comp lines

SaaS solutions that digitize workflows to drive optimal decisions and customer outcomes

architecture

IX Cloud

Enabling Intelligent Experiences

Data | AI | Ecosystem

Work Comp

3UK.

Complete operating system and network to attract, deliver, and manage quality repairs

Suppliers

Dealers

Network solutions to enhance OEM value and customer experience across vehicle lifecycle

Multiple additional growth pathways into P&C and Life & Disability insurance lines of business

100% SaaS

companies

E-commerce solutions to enable parts sales from more than 9,000 parts suppliers

Others (ISVs | Service Providers | Broader Ecosystem)

Repair Facilities

Auto Physical Damage

Integrations and data to connect other participants to CCC network

Includes self-insurers and other entities processing insurance claims

Includes other entities that estimate damaged vehicles

DIGITAL ENGAGEMENT

DECISION ENGINES

Not all activities apply to all claims

Based on 2024 Direct Written Premium

Source: CCC data, S&P SNL P&C Group - used by permission

INDUSTRY OVERVIEW

WORKFLOW AUTOMATION

INDUSTRY: s300B US AUTO CLAIM SPEND | 20M+ ANNUAL CLAIMS

I,000.

KEY CLAIMS ACTIVITIES1

AUTO INSURERS IN THE US

INTAKE

Start of claim

First Notice of Loss

Initial triage

APD

Estimate damage

Value totaled vehicle

Restore asset

CASUALTY

Assess injuries

Review treatments

Verify bills

SUBROGATION OTHER

Identify recoveries • Issue payments

Pursue funds • Investigate fraud

Respond to demands • And more…

CCC MARKET ADOPTION

AI decision support

Potential future growth adjacency

300+ client base

Large cross-sell / up-sell white space

Robust solution set

Growth from new logos and cross-sell

End-to-end offering

High-growth emerging solution

Emerging solutions

Many possible growth adjacencies

Top 30 auto insurers represent >85% of market(2)

Focused on digital customer experiences, profitable growth, and AI-driven automation

CCC LEADERSHIP

300.

AUTO INSURANCE CUSTOMERS

27 of top 30 US auto insurers use CCC(2)

Growth via new customers, cross-sell, ecosystem expansion, and innovation

CORE

ADVANCED

INTELLIGENT

Estimating

Estimate created by staff in field

Mobile

Desk staff creates estimate via photos

Estimate - STP

AI auto-completes initial estimate

REINSPECTION

TOTAl lOSS ClAIM HANDlING

APD SOlUTION SUITE

ESTIMATING EXAMPLE

Staff completes work via software Enhanced efficiency via digital tools Deeply integrated AI drives automation

Ongoing advances in digitization create additive growth opportunities across CCC solution categories

INSURANCE OVERVIEW:

EVOLUTIONIQ

EV O LU T ION IQ REI NF ORC ES AN D A DV AN C ES C C C ' S V I SIO N O F I N T Ell I G EN T EX P ER I EN C ES

Auto Physical Damage

Repair Facilities

Highly complementary, industry-leading,

Leading AI-powered claims resolution platform for bodily injury claims

Pioneered AI-based best next action claims guidance in disability and workers' compensation

Extract insights from medical documents via AI for disability, work comp, casualty, and general liability

Proven ROI with strong customer satisfaction

OEMs

AI combination

Casualty

AI-enabled Event-driven

Combines two AI pioneers and leaders

Disability

SaaS solutions that digitize workflows to drive optimal decisions and customer outcomes

architecture

IX Cloud

Enabling Intelligent Experiences

Data | AI | Ecosystem

3UK.

Complete repair facility operating system to attract, deliver, and manage quality repairs

delivering real-world results to customers

Suppliers

Broadens CCC's capabilities in NLP and Generative AI

Work Comp

100% SaaS

companies

Dealers

Best Next Action platform extensible across broader CCC

Others (ISVs | Service Providers | Broader Ecosystem)

Many pathways for durable, long-term growth

customer base

T H E PRO B LEM : A C C ELERA T ING C O M PLEXI T Y I S C REAT I N G C H A LLEN G ES F O R I N SU RERS AN D C O NSU M ERS

Staffing limitations

New adjusters struggle to ramp and managers struggle to scale

Degraded Experience

Delays with reduced claimant and employee satisfaction

Increased STD  lTD Conversion

People not back to work and living productive lives

Claims leakage

Errors leading insurers to pay more than what they owe

Failure to Intervene Early

Missing the critical window where actions have the most impact

lABOR SHORTAGES

INCREASING COGNITIVE lOAD

MEDICAl INFlATION

Disclaimer

CCC Intelligent Solutions Holdings Inc. published this content on May 06, 2026, and is solely responsible for the information contained herein. Distributed via Public Technologies (PUBT), unedited and unaltered, on May 06, 2026 at 11:22 UTC.