Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
CCC'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -9.19 Med: 4.75 Max: 7.67
Current: 4.02
During the past 7 years, the highest Debt-to-EBITDA Ratio of CCC Intelligent Solutions Holdings was 7.67. The lowest was -9.19. And the median was 4.75.
CCC's Debt-to-EBITDA is ranked worse than 82.55% of 1731
companies
in the Software industry
Industry Median: 0.99
vs CCC: 4.02
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
CCC Intelligent Solutions Holdings Debt-to-EBITDA Related Terms
CCC Intelligent Solutions Holdings Debt-to-EBITDA Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
CCC vs QTWO, NATL, MNDY: Debt-to-EBITDA Comparison
For the Software - Application subindustry, CCC Intelligent Solutions Holdings's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
CCC Intelligent Solutions Holdings Debt-to-EBITDA vs Software Industry
For the Software industry and Technology sector, CCC Intelligent Solutions Holdings's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where CCC Intelligent Solutions Holdings's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Jun. 2026) EBITDA data.
CCC Intelligent Solutions Holdings (CCC) has a Debt-to-EBITDA of 3.87 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on CCC Intelligent Solutions Holdings. This is 19% below median its historical median of 4.75. According to the industry distribution chart, CCC Intelligent Solutions Holdings ranks #1429 out of 1731 companies in the Software industry, placing it in the top 82.6%.
Is CCC Intelligent Solutions Holdings' Debt-to-EBITDA too high?
CCC Intelligent Solutions Holdings' current Debt-to-EBITDA of 3.87 is 19% below median its 10-year median of 4.75. The Software industry median Debt-to-EBITDA is 0.99. CCC Intelligent Solutions Holdings' value of 3.87 is 290.9% above this industry median. Based on the distribution chart, CCC Intelligent Solutions Holdings ranks #1429 out of 1731 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, CCC Intelligent Solutions Holdings has a GF Score™ of 53/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does CCC Intelligent Solutions Holdings' Debt-to-EBITDA compare to QTWO and NATL?
According to the Software industry distribution chart, CCC Intelligent Solutions Holdings ranks #1429 out of 1731 companies for Debt-to-EBITDA. This places CCC Intelligent Solutions Holdings in the lower half of its industry. The industry median Debt-to-EBITDA is 0.99. CCC Intelligent Solutions Holdings' value of 3.87 is 290.9% above this benchmark. While the company's 10-year median is 4.75 vs. the industry median of 0.99, CCC Intelligent Solutions Holdings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Software company?
The median Debt-to-EBITDA among Software companies is 0.99, based on 1,731 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CCC Intelligent Solutions Holdings's current Debt-to-EBITDA of 3.87 is 290.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on CCC Intelligent Solutions Holdings. For the Software industry, the median Debt-to-EBITDA is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CCC Intelligent Solutions Holdings's current Debt-to-EBITDA is 3.87, which is 19% below median its own 10-year median of 4.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CCC Intelligent Solutions Holdings stock overvalued right now?
Based on GuruFocus' analysis, CCC Intelligent Solutions Holdings (CCC) is currently considered Possible Value Trap. The stock's GF Value™ is $12.80, compared to a current price of $7.46 — trading 41.7% below its estimated fair value. The current Debt-to-EBITDA is 3.87, which is 19% below median its 10-year median of 4.75 and 290.9% above the Software industry median of 0.99. CCC Intelligent Solutions Holdings' overall GF Score™ is 53/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For CCC Intelligent Solutions Holdings (CCC), the current Debt-to-EBITDA is 3.87 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is CCC Intelligent Solutions Holdings (CCC) Overvalued in 2026?
Based on GuruFocus' analysis, CCC Intelligent Solutions Holdings stock appears to be undervalued.
The current stock price of $7.46 is trading 41.7% below its estimated GF Value™ of $12.80.
GuruFocus considers CCC Intelligent Solutions Holdings to be Possible Value Trap.
Key valuation signals for CCC:
Debt-to-EBITDA: 3.87 (19% below median its 10-year median of 4.75)
GF Value™: $12.80 vs. price of $7.46 (41.7% below fair value)
Industry Position: 290.9% above the Software median (#1429 of 1731)
No single metric tells the full story. See the CCC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CCC Intelligent Solutions Holdings Inc is a provider of cloud, mobile, AI, telematics, hyperscale technologies, and applications for the property and casualty insurance economy. The company's SaaS platform connects trading partners, facilitates commerce, and supports mission-critical, AI-enabled digital workflows. It operates in a single segment being Domestic segment, which provides SAAS platform for the P&C insurance economy and derives revenues from providing customers with software subscriptions to the platform in addition to providing professional services and non-software services. The company has its presence in the United States and China. The majority of the revenue is generated from the United States.
53GF Score
Get the complete analysis for CCC
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CCC has been successfully added to your 
