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
3Y-35.0%
5Y-45.0%
10Y-357.0%
3Y-32.0%
5Y+66.0%
10Y-130.0%
3Y-20.0%
5Y-3737.0%
10Y+1017.0%
CCRD

CoreCard Corporation Cash Conversion Engine

CCRD ยท NYSE
Net Income5.45M
Depreciation & Amortization3.57M
Stock-Based Compensation1.31M
Change in Working Capital-4.23M
Others684.00K
Capital Expenditures-4.91M
Free Cash Flow893.00K

Cash Flow Quality Analysis

FCF Conversion Rate

16.4%

Weak cash conversion. Significant portion of earnings not converting to cashโ€”review working capital trends and capital intensity.

CapEx Intensity

84.6%

Very high capital intensity consumes most operating cash flow. Limited flexibility for dividends or debt reduction.

FCF Growth Trend

-92.3%

Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.

Working Capital Impact

-$4.23M

Significant working capital drain. Growth may be consuming cash through inventory buildup or receivables extensionโ€”monitor closely.

Cash Flow Quality Insight

Deteriorating cash generation: Both declining FCF and weak conversion rate signal fundamental challenges. Investigate margin pressure, rising costs, or working capital issues.

CoreCard Corporation Cash Flow Statement

CCRD โ€ข NYSE

CoreCard Corporation Cash Flow StatementDec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006Dec 2005
OPERATING ACTIVITIES
5.4M
3.4M
13.9M
9M
8.2M
11M
6.2M
473K
-1.2M
-1.5M
-855K
469K
-217K
657K
-187K
-1.2M
-3.7M
-2.4M
4.5M
-1.6M
3.6M
6.4M
5.7M
3.8M
2.1M
1M
614K
330K
248K
217K
398K
435K
523K
435K
502K
552K
511K
485K
546K
525K
-974K
-1.6M
-77K
-227K
543K
555K
-280K
-1.7M
0.0
0.0
0.0
-10K
29K
-2K
385K
33K
332K
-1.4M
-7.8M
0.0
1.3M
150K
210K
319K
386K
191K
62K
52K
31K
19K
49K
82K
79K
43K
8K
11K
20K
13K
12K
0.0
684K
1.6M
1.1M
172K
1.2M
249K
329K
-16K
674K
830K
-126K
-1K
-10K
-16K
-63K
-72K
-51K
26K
12K
-2.3M
(2M)
(1.3M)
(6.6M)
(2.8M)
(1.8M)
(1.2M)
(0.0)
(28K)
(120K)
(0.0)
(65K)
(54K)
(26K)
(70K)
(52K)
(8K)
(38K)
(0.0)
(0.0)
(0.0)
-4.2M
6.8M
-11M
-4.2M
8.6M
-2.4M
-313K
-1.6M
-1.1M
-1.9M
-47K
560K
-689K
-720K
-64K
-246K
-899K
-911K
-201K
1.1M
5.8M
16.8M
9.9M
8.9M
21M
10.6M
6.7M
-2.5M
-1.4M
-2.3M
-581K
1.5M
-285K
397K
581K
-935K
-3.8M
-4.2M
-2.9M
-2.2M
INVESTING ACTIVITIES
-4.9M
-5.2M
-8.7M
-5.8M
-6.9M
-1.7M
-865K
-894K
-313K
-272K
-277K
-565K
-419K
-464K
-349K
-179K
-171K
-1.4M
-523K
-511K
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(1.9M)
(4.4M)
-430K
(171K)
-60K
-300K
(0.0)
(0.0)
(0.0)
-182K
(0.0)
(1.9M)
(0.0)
-2.6M
-3.2M
-6.9M
-1.8M
(0.0)
(0.0)
(0.0)
-1M
-50K
-430K
-132K
-67K
-42K
-222K
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
2M
2.3M
2M
0.0
135K
379K
0.0
98K
4.4M
0.0
171K
4K
-20K
0.0
0.0
352K
7K
131K
3.4M
312K
3K
-448K
220K
-367K
-1M
-2M
-1M
-1.3M
-4.4M
19.5M
-171K
250K
270K
600K
0.0
-100K
4.7M
3.3M
43K
2.2M
-5.5M
-6.6M
-13.5M
-8M
-7.7M
-3.3M
-1.9M
-1.2M
(4.1M)
(18.4M)
-238K
-438K
-511K
-86K
-349K
(73K)
(4.4M)
(2M)
(4.8M)
(2M)
FINANCING ACTIVITIES
-7.6M
-3.7M
-5.3M
-9.7M
-1.6M
0.0
0.0
0.0
0.0
-692K
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
3K
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-116K
-424K
-154K
578K
-100K
-167K
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-3.1M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-7.6M
-3.7M
-5.3M
-9.7M
-1.6M
(0.0)
(0.0)
(0.0)
(0.0)
-692K
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
0.0
0.0
0.0
107K
0.0
210K
111K
0.0
14K
8K
0.0
0.0
0.0
0.0
0.0
3M
0.0
0.0
0.0
0.0
-7.6M
-3.7M
-5.3M
-9.6M
-1.6M
210K
111K
0.0
-3M
-684K
0.0
0.0
0.0
0.0
-116K
2.6M
-154K
578K
-97K
-167K
CASH FLOW SUMMARY
-132K
-33K
110K
-54K
-46K
-2K
28K
-25K
-1K
-6K
10K
-11K
-9K
-101K
31K
21K
35K
-12K
-55K
66K
-7.4M
6.5M
-8.8M
-8.7M
11.5M
7.5M
4.9M
-3.7M
-335K
15.4M
-809K
1.1M
-805K
210K
147K
1.7M
520K
-1.6M
1.8M
-292K
26.9M
20.4M
29.2M
38M
26.4M
18.9M
14M
17.7M
18.1M
2.6M
3.4M
2.3M
3.2M
2.9M
2.8M
1.1M
554K
2.1M
378K
670K
19.5M
26.9M
20.4M
29.2M
38M
26.4M
18.9M
14M
17.7M
18.1M
2.6M
3.4M
2.3M
3.2M
2.9M
2.8M
1.1M
554K
2.1M
378K
893K
11.6M
1.1M
3.1M
14.1M
8.9M
5.8M
-3.4M
-1.7M
-2.5M
-858K
970K
-704K
-67K
232K
-1.1M
-3.9M
-5.5M
-3.5M
-2.7M

SEC Filings

CCRD - Filing history and reports

No SEC filings available for CCRD