CoreCard (CCRD) AI Stock Analysis

• Market Cap: $150.91M
• Dividend Yield: N/A
• Average Volume (3M): 22.43K
• Price to Earnings (P/E): 28.7
• Beta (1Y): 0.28
• Revenue Growth: 2.49%
• EPS Growth: 71.12%
• Country: US
• Employees: 1,000
• Sector: Technology
• Sector Strength: 40
• Industry: Software - Application
• EPS (TTM): 0.68
• Shares Outstanding: 7,786,679
• 10 Day Avg. Volume: 24,069
• 30 Day Avg. Volume: 22,430
• PEG Ratio: 0.40
• Price to Book (P/B): N/A
• Price to Sales (P/S): 2.79
• Price to Cash Flow (P/CF): 52.60
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: $21.00
• Price Target Upside: 21.53% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

CoreCard's overall score reflects its mixed financial performance, with steady income growth countered by concerns over balance sheet transparency and cash flow management. Technical indicators suggest bearish momentum, and while the company shows potential for growth, risks from customer dependence and potential leadership changes need to be addressed. The stock appears moderately overvalued, lacking a dividend yield to attract income-focused investors.

CoreCard Business Overview & Revenue Model

Company 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.

How the Company Makes Money

CoreCard makes money primarily through the licensing and maintenance of its proprietary card management software. The company generates revenue by charging clients fees for the initial software implementation, ongoing software licensing, and regular maintenance services. In addition to these core revenue streams, CoreCard offers professional services such as consulting, training, and support to optimize the use of its software solutions. The company may also earn transaction-based fees from some of its clients, depending on the specific terms of their agreements. Significant partnerships with financial institutions and corporations further amplify CoreCard's market reach and revenue potential by facilitating the integration of its solutions into larger financial ecosystems.

CoreCard Financial Statement Overview

Summary

CoreCard's financial performance shows mixed results. While the income statement reflects steady growth and profitability with a score of 65, there are concerns with the balance sheet (score of 40) due to missing equity figures, and cash flow issues (score of 55) indicating operational cash generation challenges.

Income Statement

CoreCard's revenue has grown steadily over the years, albeit with some fluctuations. The gross profit margin of 37.7% in 2024 is solid, though lower compared to previous years, suggesting increased cost pressures. The net profit margin stands at 9.5%, indicating profitability, but with room for improvement. EBIT and EBITDA margins are stable, reflecting efficient operations despite a competitive industry landscape.

Balance Sheet

CoreCard's balance sheet shows a strong equity base historically, but the recent data indicates a lack of reported equity figures, possibly due to restructuring or financial adjustments. The company's low debt levels historically reflect prudent financial management, though the absence of current equity data raises concerns about asset management and financial transparency.

Cash Flow

The operating cash flow has been positive, but recent figures show a significant decline, impacting free cash flow negatively. The free cash flow to net income ratio is low, suggesting operational cash generation issues. Despite past strong cash flows, recent trends indicate a need for better cash management to sustain growth.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
57.40M	56.00M	69.77M	48.25M	35.87M
	Gross Profit
21.63M	19.43M	37.10M	25.35M	20.45M
	EBIT
6.54M	5.31M	15.40M	8.03M	11.29M
	EBITDA
6.54M	11.70M	25.78M	15.45M	13.43M
	Net Income Common Stockholders
5.45M	3.40M	13.88M	9.04M	8.16M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
24.89M	32.15M	25.37M	29.24M	37.96M
	Total Assets
62.34M	63.83M	63.23M	58.15M	57.02M
	Total Debt
1.82M	1.12M	1.98M	2.71M	1.99M
	Net Debt
-17.66M	-25.80M	-18.42M	-26.54M	-35.96M
	Total Liabilities
10.64M	11.12M	10.47M	14.27M	12.87M
	Stockholders Equity
51.70M	52.70M	52.76M	43.87M	44.15M
Cash Flow		Free Cash Flow
893.00K	11.56M	1.13M	3.09M	14.09M
	Operating Cash Flow
5.80M	16.81M	9.86M	8.91M	20.97M
	Investing Cash Flow
-5.47M	-6.61M	-13.48M	-7.99M	-7.74M
	Financing Cash Flow
-7.64M	-3.65M	-5.33M	-9.58M	-1.64M

CoreCard Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 17.28
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CCRD, the sentiment is Positive. The current price of 17.28 is below the 20-day moving average (MA) of 19.26, below the 50-day MA of 20.83, and below the 200-day MA of 17.47, indicating a neutral trend. The MACD of -0.60 indicates Positive momentum. The RSI at 34.89 is Neutral, neither overbought nor oversold. The STOCH value of 20.38 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CCRD.

CoreCard Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
JKHY	76 Outperform	$12.44B	30.78	21.90%	1.36%	5.36%	8.62%
PYPL	74 Outperform	$63.26B	16.00	20.00%	―	7.10%	4.45%
XYZ	73 Outperform	$34.68B	12.30	14.50%	―	10.06%	38060.98%
GPN	73 Outperform	$22.19B	14.65	6.94%	1.26%	4.68%	63.39%
CCRD	58 Neutral	$150.91M	28.68	10.44%	―	2.49%	71.12%
Sector *	57 Neutral	$20.31B	10.03	-14.49%	2.79%	5.15%	-23.76%
FIS	51 Neutral	$36.39B	48.45	4.65%	2.17%	-17.38%	―