CoreCard (CCRD) AI Stock Analysis

• Market Cap: $214.29M
• Dividend Yield: N/A
• Average Volume (3M): 102.76K
• Price to Earnings (P/E): 27.7
• Beta (1Y): 0.33
• Revenue Growth: 23.61%
• EPS Growth: 424.33%
• Country: US
• Employees: 1,000
• Sector: Technology
• Sector Strength: 83
• Industry: Software - Application
• EPS (TTM): 0.31
• Shares Outstanding: 7,792,382
• 10 Day Avg. Volume: 108,377
• 30 Day Avg. Volume: 102,757
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 0.96
• Enterprise Value/Revenue: 3.18
• Enterprise Value/Gross Profit: 7.21
• Enterprise Value/Ebitda: 15.21
• 1Y Price Target: $30.00
• Price Target Upside: 8.34% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 63 Neutral
• Price Target: $30.00 ▲(8.34% Upside)

CoreCard's overall stock score reflects a balanced view of its strengths and challenges. The positive impact of the merger with Euronet and strong earnings call performance are offset by financial transparency issues and valuation concerns. The stock's technical indicators suggest a stable outlook, but improvements in financial management are necessary for sustained growth.

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 generates revenue through a variety of streams, primarily by charging fees for its software solutions and services. Key revenue sources include transaction processing fees, licensing fees for its proprietary software, and maintenance fees for ongoing support and updates. Additionally, CoreCard may earn revenue from partnerships with financial institutions that utilize its technology to enhance their payment offerings. Strategic collaborations with banks and financial service providers often lead to long-term contracts, ensuring a steady income flow. The company may also benefit from ancillary services such as consulting and integration support, further diversifying its revenue streams.

CoreCard Financial Statement Overview

Summary

CoreCard's financial performance is mixed. The income statement shows steady revenue growth and profitability, but the balance sheet raises concerns due to missing equity data, and cash flow has declined significantly, indicating operational cash generation issues.

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	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	64.81M	57.40M	56.00M	69.77M	48.25M	35.87M
Gross Profit	28.61M	21.63M	19.43M	37.10M	25.35M	20.45M
EBITDA	13.57M	10.11M	11.70M	25.78M	15.45M	13.43M
Net Income	8.01M	5.45M	3.40M	13.88M	9.04M	8.16M
Balance Sheet
Total Assets	70.93M	62.34M	63.83M	63.23M	58.15M	57.02M
Cash, Cash Equivalents and Short-Term Investments	32.26M	24.89M	32.15M	25.37M	29.24M	37.96M
Total Debt	3.41M	1.82M	1.12M	1.98M	2.71M	1.99M
Total Liabilities	16.32M	10.64M	11.12M	10.47M	14.27M	12.87M
Stockholders Equity	54.61M	51.70M	52.70M	52.76M	43.87M	44.15M
Cash Flow
Free Cash Flow	15.77M	893.00K	11.56M	1.13M	3.09M	14.09M
Operating Cash Flow	22.34M	5.80M	16.81M	9.86M	8.91M	20.97M
Investing Cash Flow	-7.14M	-5.47M	-6.61M	-13.48M	-7.99M	-7.74M
Financing Cash Flow	-2.44M	-7.64M	-3.65M	-5.33M	-9.58M	-1.64M

CoreCard Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 27.69
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 27.69 is above the 20-day moving average (MA) of 27.52, below the 50-day MA of 28.03, and above the 200-day MA of 23.35, indicating a neutral trend. The MACD of -0.07 indicates Negative momentum. The RSI at 51.03 is Neutral, neither overbought nor oversold. The STOCH value of 81.07 is Negative, 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
CXM	75 Outperform	$2.17B	20.40	17.50%	―	6.75%	97.06%
TRAK	70 Outperform	$286.57M	48.61	14.17%	0.45%	9.73%	22.33%
CCRD	63 Neutral	$214.29M	27.67	14.95%	―	23.61%	424.33%
MLNK	63 Neutral	$1.47B	―	-5.41%	―	5.96%	50.29%
Sector *	61 Neutral	$35.62B	7.50	-10.94%	1.87%	8.86%	-10.27%
PAR	48 Neutral	$2.07B	―	-12.65%	―	4.90%	-820.72%
BTDR	46 Neutral	$2.55B	―	-54.00%	―	―	―

CoreCard Corporate Events

CoreCard Merges with Euronet in $248M Deal

On July 30, 2025, CoreCard Corporation entered into a merger agreement with Euronet Worldwide, Inc., where CoreCard will become a wholly owned subsidiary of Euronet. This merger, valued at approximately $248 million, is expected to enhance Euronet’s digital transformation strategy and expand its U.S. footprint, while providing CoreCard with access to global markets. The merger aims to combine CoreCard’s proven credit card platform with Euronet’s global distribution network, positioning Euronet as a leading modern card issuer. The transaction is anticipated to close in late 2025, pending shareholder approval and regulatory conditions.

CoreCard Holds Annual Shareholder Meeting on May 29

CoreCard Corporation held its Annual Meeting of Shareholders on May 29, 2025, with 69.4% of outstanding shares represented. Shareholders re-elected Philip H. Moise and Kathryn Petralia to the board of directors and approved the compensation of executive officers and the 2025 Employee Stock Incentive Plan.