CCCHIGH SIGNALFINANCIAL10-K

CCC experienced a dramatic 95% collapse in net income despite growing operating income, combined with a severe 72% cash decline and 65% debt increase, indicating significant financial stress.

The stark disconnect between improving operating performance (+17%) and collapsing net income (-95%) suggests major non-operating expenses, likely from increased debt servicing costs given the 65% debt surge. The company's liquidity position has deteriorated sharply with cash falling from $399M to $111M while current liabilities increased 51%, creating potential near-term financial constraints.

Comparing 2026-02-24 vs 2025-02-25View on EDGAR →
FINANCIAL ANALYSIS

CCC's financial profile shows alarming deterioration despite operational improvements, with net income collapsing 95% from $31M to $1.7M while operating income actually grew 17% to $94M. The balance sheet reveals significant stress with cash plummeting 72% to $111M, total debt surging 65% to $1.3B, and current liabilities increasing 51% while current assets declined 41%, creating a dangerous liquidity squeeze. This combination of improved operations but devastated profitability, coupled with a severely weakened balance sheet, signals potential financial distress requiring immediate investor attention.

FINANCIAL STATEMENT CHANGES
Net Income
P&L
-94.6%
$31.2M$1.7M

Net income declined 94.6% — review whether driven by operations, interest costs, or non-recurring items.

Cash & Equivalents
Balance Sheet
-72.1%
$399.0M$111.2M

Cash declined 72.1% — significant cash burn or deployment; verify adequacy of remaining liquidity runway.

Total Debt
Balance Sheet
+64.7%
$784.0M$1.3B

Debt increased 64.7% — substantial leverage increase; assess whether deployed for growth or covering losses.

Total Liabilities
Balance Sheet
+53.5%
$1.2B$1.8B

Liabilities grew 53.5% — significant increase in debt or obligations, assess impact on financial flexibility.

Current Liabilities
Balance Sheet
+51.2%
$154.8M$234.1M

Current liabilities surged 51.2% — significant near-term obligations; verify ability to meet short-term debt.

Current Assets
Balance Sheet
-40.7%
$564.6M$335.1M

Current assets declined 40.7% — monitor working capital adequacy and short-term liquidity.

Accounts Receivable
Balance Sheet
+28.6%
$106.6M$137.1M

Receivables grew 28.6% — monitor days sales outstanding for collection efficiency.

Operating Income
P&L
+17.1%
$80.1M$93.8M

Operating income improving — cost discipline or growing revenue base absorbing fixed costs.

R&D Expense
P&L
+12.9%
$201.5M$227.5M

R&D investment increased 12.9% — signals commitment to future product development, though near-term margin impact.

Total Assets
Balance Sheet
+12.3%
$3.2B$3.6B

Asset base grew 12.3% — expansion through organic growth, acquisitions, or capital deployment.

LANGUAGE CHANGES
NEW — 2026-02-24
PRIOR — 2025-02-25
ADDED
held by non-affiliates as of June 30, 2025, was approximately $ 5,261 million.
As of February 17, 2026 , 607,126,060 shares of common stock, $0.0001 par value, of the registrant were outstanding.
Founded in 1980, CCC is a leading Software-as-a-Service ( SaaS ) and AI platform provider for the multi-trillion-dollar insurance economy powering operations for insurers, repairers, automakers, part suppliers, and more.
While our position in the insurance economy is grounded in the automotive insurance sector, the largest Property Casualty ( P C ) insurance sector in the U.S.
( EvolutionIQ ) in January 2025 added claims solutions in disability and workers compensation insurance lines to CCC's solution suite.
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REMOVED
held by non-affiliates as of June 30, 2024, was approximately $ 4,483 million.
As of February 18, 2025, 656,781,611 shares of common stock, $0.0001 par value, of the registrant were outstanding.
Founded in 1980, CCC is a leading Software-as-a-Service (SaaS) platform for the multi-trillion-dollar insurance economy powering operations for insurers, repairers, automakers, part suppliers, and more.
While our position in the insurance economy is grounded in the automotive insurance sector, the largest Property Casualty (P C) insurance sector in the U.S.
For example, CCC s acquisition of EvolutionIQ in January 2025 added claims solutions in disability and workers compensation insurance lines to CCC's solution suite.
+7 more — sign up free →
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