CoreCard Corporation

CoreCard Corporation

CCRDยทNYSE

$23.60

+0.0000%
TechnologySoftware - Application

CoreCard Corporation, together with its subsidiaries, offers technology solutions and processing services to the financial technology and services market in the United States, European Union, and the Middle East. It designs, develops, and markets a suite of software solutions to program managers, accounts receivable businesses, financial institutions, retailers, and processors to manage their credit and debit cards, prepaid cards, private label cards, fleet cards, buy now pay later programs, loyalty programs, and accounts receivable and loan transactions. The company's software solutions allow companies to offer various types of transacting account or card issuing program, as well as installment and revolving loans; set up and maintain account data; record advances and payments; assess fees, interests, and other charges; resolve disputes and chargebacks; manage collections of accounts receivable; generate reports; and settle transactions with financial institutions and network associations. The company was formerly known as Intelligent Systems Corporation and changed its name to CoreCard Corporation in December 2021. CoreCard Corporation was founded in 1973 and is headquartered in Norcross, Georgia.

At a Glance

Live Snapshot
Market Cap$183.90M
EPS0.6800
P/E Ratio33.45
Earnings Date02/18/2026
CoreCard Corporation

CoreCard Corporation Fair Value Envelope

CCRD ยท NYSE

Our analysis suggests that CCRD has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $23.6, this represents a potential HIDDEN relative to our calculated worth for CoreCard Corporation.

Intrinsic Value
Current Price: $23.6

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$4.2M
+ Cash & Equivalents$19.5M
Firm Value$23.7M
- Debt$1.8M
Equity Value$21.9M
/ Shares Outstanding7,792,382B
DCF Value$3
OVERVALUED BY 88%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$2.9M
$1.5M
$725.1K
$362.6K
$181.3K
$90.6K
$45.3K
$22.7K
$11.3K
$5.7K
Maintenance CapEx
-$490.8K
-$245.4K
-$122.7K
-$61.4K
-$30.7K
-$15.3K
-$7.7K
-$3.8K
-$1.9K
-$959
Owner Earnings
$2.4M
$1.2M
$602.4K
$301.2K
$150.6K
$75.3K
$37.7K
$18.8K
$9.4K
$4.7K
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$2.2M
$1.0M
$478.2K
$221.4K
$102.5K
$47.5K
$22.0K
$10.2K
$4.7K
$2.2K
Terminal Value represents 0.9% of Enterprise Value