The earnings call reflected a positive sentiment with strong revenue growth, improved operating margins, and increased earnings per share, overshadowing concerns about customer dependency and potential headwinds from the Deserve acquisition.

Company Guidance

During the Q1 2025 earnings call, CoreCard Corporation reported impressive financial metrics, with total revenue reaching $16.7 million, marking a 28% year-over-year increase. Professional services revenue, primarily driven by their largest customer, Goldman Sachs, contributed $8.7 million, while processing and maintenance revenue accounted for $6.3 million. The company also noted a 3% year-over-year growth in processing and maintenance revenue, excluding one-time items from 2024. Income from operations was $2.8 million, significantly up from $0 in the previous year, leading to an improved operating margin of 16.8%, compared to 4% last year. The quarterly earnings per diluted share rose to $0.24 from $0.05, with adjusted diluted EPS, excluding stock compensation, at $0.28. Adjusted EBITDA for the quarter was $4 million, up from $1.7 million in Q1 2024. For fiscal year 2025, CoreCard projects revenues between $65 million and $69 million and earnings per share between $1.10 and $1.18, with growth excluding Goldman expected to be 30% to 35%.

Revenue Growth

Total revenue for the first quarter was $16.7 million, a 28% increase year over year, driven by higher professional services revenue.

Professional Services Revenue

Professional services revenue was $8.7 million, significantly contributing to the overall revenue growth.

Operating Margin Improvement

Income from operations was $2.8 million compared to $0 for the same period last year, with an operating margin of 16.8% compared to 4% last year.

Earnings Per Share Increase

Earnings per diluted share for the quarter was $0.24 compared to $0.05 for Q1 2024. Adjusted diluted EPS was $0.28 compared to $0.07 in Q1 2024.

Adjusted EBITDA Growth

Adjusted EBITDA was $4 million compared to $1.7 million for the first quarter of 2024.

CoreCard (CCRD) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

CCRD Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 30, 2025	2025 (Q3)	0.29 / -	0.3	―	―	―
Aug 14, 2025	2025 (Q2)	0.27 / 0.31	0.15	106.67% (+0.16)	―	―
May 08, 2025	2025 (Q1)	0.16 / 0.28	0.07	300.00% (+0.21)	―
Feb 20, 2025	2024 (Q4)	0.09 / 0.28	0.06	366.67% (+0.22)	―
Oct 31, 2024	2024 (Q3)	0.17 / 0.30	0.09	233.33% (+0.21)	―
Aug 01, 2024	2024 (Q2)	0.07 / 0.15	0.22	-31.82% (-0.07)	―
May 02, 2024	2024 (Q1)	0.02 / 0.07	0.15	-53.33% (-0.08)	―	―
Feb 14, 2024	2023 (Q4)	0.01 / 0.06	0.24	-75.00% (-0.18)	―	―
Nov 01, 2023	2023 (Q3)	0.11 / 0.09	0.16	-43.75% (-0.07)	―	―
Aug 02, 2023	2023 (Q2)	0.20 / 0.22	0.33	-33.33% (-0.11)	―	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

CCRD Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Aug 14, 2025	$28.32	$27.92	-1.41%
May 08, 2025	$17.37	$20.01	+15.20%
Feb 20, 2025	$22.30	$23.00	+3.14%
Oct 31, 2024	$13.98	$15.02	+7.44%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does CoreCard (CCRD) report earnings?

CoreCard (CCRD) is schdueled to report earning on Oct 30, 2025, Before Open (Confirmed).

What is CoreCard (CCRD) earnings time?

CoreCard (CCRD) earnings time is at Oct 30, 2025, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is CCRD EPS forecast?

CCRD EPS forecast for the fiscal quarter 2025 (Q3) is 0.29.

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