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+19.0%
5Y+67.0%
10Y+1100.0%
3Y-40.0%
5Y-50.0%
10Y-70.0%
3Y-35.0%
5Y-45.0%
10Y-357.0%
CoreCard Corporation

CoreCard Corporation Profit Bridge

CCRD ยท NYSE
Revenue57.40M
Cost of Goods Sold (35.77M)
Gross Profit21.63M
Operating Expenses (15.09M)
Operating Income6.54M
Interest Expense (0.00)
Other Income/Expense365.00K
Pretax Income6.90M
Income Tax (1.46M)
Net Income5.45M
Net Income
5.45M

Profitability Analysis

Gross Margin

37.7%

Strong gross margins indicate healthy pricing and efficient production or service delivery.

Operating Margin

11.4%

Acceptable margins but limited operational leverage. Operating expense control is important.

Net Profit Margin

9.5%

Moderate profitability with room for improvement. Monitor interest expenses and tax efficiency.

Effective Tax Rate

21.1%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

Room for improvement: Moderate profitability with opportunities to enhance margins through better cost management or pricing strategy.

CoreCard Corporation Income Statement

CCRD โ€ข NYSE

CoreCard Corporation Income StatementDec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006Dec 2005
REVENUE
57.4M
56M
69.8M
48.2M
35.9M
34.3M
20.1M
9.3M
8.2M
4.8M
14.6M
16.3M
16.5M
16.3M
15.4M
12.9M
15.8M
19M
14.5M
16.1M
GROSS PROFIT
(35.8M)
(36.6M)
(32.7M)
(22.9M)
(15.4M)
(11.8M)
(8.5M)
(4.5M)
(4M)
(2.6M)
(7.9M)
(8.6M)
(9M)
(8.3M)
(8.1M)
(6.8M)
(8.2M)
(10.4M)
(7.2M)
(6.9M)
21.6M
19.4M
37.1M
25.3M
20.4M
22.5M
11.6M
4.8M
4.2M
2.2M
6.7M
7.7M
7.6M
8.1M
7.4M
6.1M
7.6M
8.6M
7.3M
9.1M
OPERATING INCOME
(15.1M)
(14.1M)
(17.1M)
(13.7M)
(9.2M)
(9.2M)
(5.4M)
(6.2M)
(4.9M)
(5.1M)
(7.5M)
(7.3M)
(7.7M)
(7.8M)
(7.1M)
(7.4M)
(10.4M)
(12.5M)
(11.3M)
(13M)
(6.2M)
(5.6M)
(5.4M)
(4.8M)
(4M)
(3.6M)
(2.1M)
(1.8M)
(2.1M)
(2.2M)
(4.3M)
(4.6M)
(5.2M)
(5.1M)
(5M)
(5.2M)
(6.9M)
(7.4M)
(5.6M)
(6.1M)
(8.9M)
(8.5M)
(11.7M)
(8.9M)
(5.2M)
(5.5M)
(3.4M)
(4.4M)
(2.7M)
(2.9M)
(3.2M)
(2.7M)
(2.5M)
(2.6M)
(2.2M)
(2.2M)
(3.5M)
(5M)
(5.7M)
(6.8M)
6.5M
5.3M
20M
11.7M
11.3M
13.4M
6.1M
-1.4M
-687K
-2.8M
-1.2M
444K
-164K
311K
226K
-1.3M
-3.2M
-3.9M
-4M
-3.8M
PRE-TAX INCOME
(0.0)
(0.0)
(2.1M)
(0.0)
(0.0)
(0.0)
(257K)
(0.0)
(1.1M)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(260K)
(0.0)
(3K)
(0.0)
(0.0)
(0.0)
0.0
0.0
-2.1M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1K
7K
31K
80K
87K
-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)
(52K)
(71K)
(49K)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
365K
-814K
-918K
105K
-666K
133K
106K
1.9M
-565K
1.4M
146K
94K
27K
439K
62K
117K
-322K
156K
3M
2.3M
6.9M
4.5M
19M
11.8M
10.6M
13.5M
6.2M
501K
-1.3M
-1.5M
-1M
538K
-137K
750K
288K
-1.2M
-3.2M
-3.7M
-1M
-1.6M
NET INCOME
(1.5M)
(1.1M)
(5.2M)
(2.7M)
(2.5M)
(2.5M)
(4K)
(28K)
-3K
(3K)
(53K)
(69K)
(80K)
(93K)
(130K)
(9K)
(28K)
(17K)
(0.0)
(74K)
5.4M
3.4M
13.9M
9M
8.2M
11M
6.2M
374K
-1.1M
18M
-76K
1.1M
534K
657K
-187K
-1.2M
-823K
-2.4M
3.5M
-1.6M

SEC Filings

CCRD - Filing history and reports

No SEC filings available for CCRD