image
Technology - Software - Application - NYSE - US
$ 21.4662
3.2 %
$ 170 M
Market Cap
32.04
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Mar, 3, 2025.

The intrinsic value of one CCRD stock under the worst case scenario is HIDDEN Compared to the current market price of 21.5 USD, CoreCard Corporation is HIDDEN

This DCF valuation model was last updated on Mar, 3, 2025.

The intrinsic value of one CCRD stock under the base case scenario is HIDDEN Compared to the current market price of 21.5 USD, CoreCard Corporation is HIDDEN

This DCF valuation model was last updated on Mar, 3, 2025.

The intrinsic value of one CCRD stock under the best case scenario is HIDDEN Compared to the current market price of 21.5 USD, CoreCard Corporation is HIDDEN

2. FUNDAMENTAL ANALYSIS
FINANCIALS
56 M REVENUE
-19.72%
5.31 M OPERATING INCOME
-65.51%
3.4 M NET INCOME
-75.54%
16.8 M OPERATING CASH FLOW
70.42%
-6.6 M INVESTING CASH FLOW
51.02%
-3.65 M FINANCING CASH FLOW
31.53%
15.7 M REVENUE
13.81%
2.78 M OPERATING INCOME
142.38%
2.2 M NET INCOME
145.09%
2.7 M OPERATING CASH FLOW
50.81%
-1.06 M INVESTING CASH FLOW
6.59%
-1.71 M FINANCING CASH FLOW
17.34%
Balance Sheet CoreCard Corporation
image
Current Assets 44.5 M
Cash & Short-Term Investments 32.1 M
Receivables 7.54 M
Other Current Assets 4.8 M
Non-Current Assets 19.3 M
Long-Term Investments 4.06 M
PP&E 11.3 M
Other Non-Current Assets 3.96 M
Current Liabilities 9.54 M
Accounts Payable 1.56 M
Short-Term Debt 0
Other Current Liabilities 7.98 M
Non-Current Liabilities 1.58 M
Long-Term Debt 1.12 M
Other Non-Current Liabilities 461 K
EFFICIENCY
Earnings Waterfall CoreCard Corporation
image
Revenue 56 M
Cost Of Revenue 36.6 M
Gross Profit 19.4 M
Operating Expenses 14.1 M
Operating Income 5.31 M
Other Expenses 1.92 M
Net Income 3.4 M
RATIOS
34.70% GROSS MARGIN
34.70%
9.48% OPERATING MARGIN
9.48%
6.06% NET MARGIN
6.06%
6.44% ROE
6.44%
5.32% ROA
5.32%
7.39% ROIC
7.39%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis CoreCard Corporation
image
Net Income 3.4 M
Depreciation & Amortization 6.39 M
Capital Expenditures -5.24 M
Stock-Based Compensation 150 K
Change in Working Capital 6.81 M
Others 3.46 M
Free Cash Flow 11.6 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets CoreCard Corporation
image
CCRD has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.00% DIVIDEND YIELD
0.35 USD DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership CoreCard Corporation
image
Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
Date Value Insider Amount Avg Price
1 year ago
Feb 16, 2024
Bought 75.8 K USD
STRANGE J LELAND
President & CEO
+ 7022
10.8 USD
1 year ago
Feb 16, 2024
Bought 42.3 K USD
White Matthew A
CFO and Corporate Secretary
+ 4000
10.57 USD
1 year ago
Nov 14, 2023
Bought 26.3 K USD
STRANGE J LELAND
President & CEO
+ 1653
15.89 USD
1 year ago
Nov 13, 2023
Bought 47.3 K USD
STRANGE J LELAND
President & CEO
+ 3174
14.91 USD
5 years ago
Feb 14, 2020
Sell 4 M USD
STRANGE J LELAND
President & CEO
- 100000
40 USD
5 years ago
Nov 04, 2019
Sell 87.8 K USD
Moise Philip H
Director
- 2039
43.06 USD
5 years ago
Nov 04, 2019
Sell 142 K USD
Moise Philip H
Director
- 3330
42.55 USD
5 years ago
Nov 04, 2019
Sell 4.4 K USD
Moise Philip H
Director
- 100
44 USD
5 years ago
Nov 05, 2019
Sell 148 K USD
Moise Philip H
Director
- 3561
41.67 USD
5 years ago
Oct 23, 2019
Sell 195 K USD
STRANGE J LELAND
President & CEO
- 4326
45.14 USD
7 years ago
Nov 14, 2017
Bought 100 K USD
CHANDLER A RUSSELL III
Director
+ 25000
4 USD
20 years ago
Feb 07, 2005
Sell 59.1 K USD
HERRON BONNIE L
CFO and Vice President
- 15000
3.94 USD
7. News
CoreCard Corporation (CCRD) Q4 2024 Earnings Call Transcript CoreCard Corporation (NYSE:CCRD ) Q4 2024 Earnings Conference Call February 20, 2025 11:00 AM ET Company Participants Leland Strange - President and CEO Matt White - Chief Financial Officer Conference Call Participants Harold Goetsch - B. Riley Securities Operator Greetings, and welcome to the CoreCard Fourth Quarter 2024 Earnings Conference Call. seekingalpha.com - 1 week ago
CoreCard Corporation Reports Fourth Quarter and Full Year 2024 Results NORCROSS, Ga., Feb. 20, 2025 (GLOBE NEWSWIRE) -- CoreCard Corporation (NYSE: CCRD) (“CoreCard” or “the Company”), the leading provider of innovative credit technology solutions and processing services to the financial technology and services market, announced today its financial results for the quarter and full year ended December 31, 2024. globenewswire.com - 1 week ago
CoreCard Corporation Schedules Fourth Quarter 2024 Earnings Release and Conference Call NORCROSS, Ga., Feb. 06, 2025 (GLOBE NEWSWIRE) -- CoreCard Corporation (NYSE: CCRD), the leading provider of innovative credit technology solutions and processing services to the financial technology and services market, intends to hold an investor conference call on February 20, 2025, at 11:00 A.M. Eastern Time in conjunction with the company's earnings release for the quarter ended December 31, 2024. The company plans to issue a press release with the financial results for the period before the market opens on February 20, 2025. globenewswire.com - 3 weeks ago
Q4 2024 Portfolio Update: Growth Has Come Patiently In 4Q24, we crossed $10M in AUM, emphasizing patient growth and strategic portfolio management, with a focus on long-term investments and five-year doubles. Key drivers include CCRD, PDEX, and RSSS, with CoreCard benefiting from a new contract with Goldman, and Pro-Dex showing strong business performance. Matrix Service is expected to convert backlog to profit in the next 18-24 months, while new positions are anticipated to start small. seekingalpha.com - 1 month ago
Best Momentum Stocks to Buy for December 30th CCRD, TRDA and NRXP made it to the Zacks Rank #1 (Strong Buy) momentum stocks list on December 30, 2024. zacks.com - 2 months ago
New Strong Buy Stocks for December 30th CCRD, APPN, USNA, TRDA and NRXP have been added to the Zacks Rank #1 (Strong Buy) List on December 30, 2024. zacks.com - 2 months ago
Are Business Services Stocks Lagging CoreCard (CCRD) This Year? Here is how CoreCard Corporation (CCRD) and Dave Inc. (DAVE) have performed compared to their sector so far this year. zacks.com - 2 months ago
CoreCard Corporation (CCRD) Hit a 52 Week High, Can the Run Continue? CoreCard (CCRD) is at a 52-week high, but can investors hope for more gains in the future? We take a look at the company's fundamentals for clues. zacks.com - 2 months ago
Is CoreCard (CCRD) Stock Outpacing Its Business Services Peers This Year? Here is how CoreCard Corporation (CCRD) and Dave Inc. (DAVE) have performed compared to their sector so far this year. zacks.com - 3 months ago
Is CoreCard (CCRD) Outperforming Other Business Services Stocks This Year? Here is how CoreCard Corporation (CCRD) and OppFi Inc. (OPFI) have performed compared to their sector so far this year. zacks.com - 3 months ago
CoreCard Corporation (CCRD) Soars to 52-Week High, Time to Cash Out? CoreCard (CCRD) is at a 52-week high, but can investors hope for more gains in the future? We take a look at the company's fundamentals for clues. zacks.com - 3 months ago
What Makes CoreCard (CCRD) a New Strong Buy Stock CoreCard (CCRD) has been upgraded to a Zacks Rank #1 (Strong Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term. zacks.com - 3 months ago
8. Profile Summary

CoreCard Corporation CCRD

image
COUNTRY US
INDUSTRY Software - Application
MARKET CAP $ 170 M
Dividend Yield 0.00%
Description 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.
Contact One Meca Way, Norcross, GA, 30093 https://www.corecard.com
IPO Date Jan. 2, 1987
Employees 1150
Officers Mr. James Leland Strange Chairman, Chief Executive Officer & President Mr. Matthew A. White CPA Chief Financial Officer & Corporate Secretary