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Corecard Corporation (CCRD)
:CCRD
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CoreCard (CCRD) AI Stock Analysis

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CCRD

CoreCard

(NYSE:CCRD)

Rating:56Neutral
Price Target:
$27.00
▲(2.62%Upside)
CoreCard's overall score reflects a solid earnings performance and strategic corporate event, but is tempered by technical analysis suggesting bearish trends and valuation concerns. Financial transparency issues and cash flow challenges also weigh on the score.

CoreCard (CCRD) vs. SPDR S&P 500 ETF (SPY)

CoreCard Business Overview & Revenue Model

Company DescriptionCoreCard 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 MoneyCoreCard makes money primarily through its software licensing and transaction processing services. The company earns revenue by licensing its card management software to clients, who use it to support various card-related activities. Additionally, CoreCard generates income by offering transaction processing services, which involve managing and processing card transactions on behalf of its clients. This typically includes fees for each transaction processed, as well as ongoing support and maintenance services. Significant partnerships with financial institutions and businesses that require robust card management solutions also contribute to CoreCard's earnings, as these relationships drive demand for its products and services.

CoreCard Earnings Call Summary

Earnings Call Date:Jul 31, 2025
(Q1-2025)
|
% Change Since: 0.00%|
Next Earnings Date:Oct 30, 2025
Earnings Call Sentiment Positive
The earnings call reflected a strong performance in Q1 2025, with significant revenue growth and improved profitability metrics. However, there are concerns regarding the loss of revenue from customer acquisition and uncertainty with the Deserve and Intuit situation. The overall sentiment is positive, with strong financial performance outweighing the potential risks and challenges.
Q1-2025 Updates
Positive Updates
Significant Revenue Growth
Total revenue for Q1 2025 was $16.7 million, marking a 28% increase year over year, driven by higher professional services revenue.
Professional Services Revenue Boost
Professional services revenue grew significantly to $8.7 million in Q1 2025, primarily due to higher managed services rates from Goldman Sachs.
Improved Operating Margin
The operating margin improved to 16.8% in Q1 2025 from 4% in the same period last year, driven by higher professional services revenue.
Substantial Increase in Earnings Per Share
Earnings per diluted share for Q1 2025 was $0.24 compared to $0.05 for Q1 2024. Adjusted diluted EPS was $0.28 compared to $0.07 in Q1 2024.
Positive Outlook for 2025
Revenue growth excluding the largest customer is expected to be 30% to 35% for the full year 2025.
Negative Updates
Loss of Revenue from Customer Acquisition
The termination of a contract due to a customer acquisition led to a one-time accelerated revenue of $500,000 in Q1 2024, impacting the year-over-year comparison.
Uncertainty with Deserve and Intuit
The sale of Deserve to Intuit might lead to a reduction in revenue, as Deserve represented a small but notable portion of total revenues.
No License Revenue Expected
There was no license revenue for Q1 2025, and none is expected for the year.
Company Guidance
During the CoreCard Corporation Q1 2025 earnings call, the company provided detailed guidance on its financial performance and expectations. In the first quarter, total revenue reached $16.7 million, a 28% increase year-over-year, primarily driven by higher professional services revenue, notably from their largest customer, Goldman Sachs. Excluding Goldman, revenue growth was 8% year-over-year, and excluding Goldman, legacy CABG business, and a one-time accelerated revenue of $500,000 in Q1 2024, growth was 23% and is projected to be between 30% and 35% for the full year. The company reported an operating income of $2.8 million with a 16.8% operating margin, up from 4% the previous year. Earnings per diluted share rose to $0.24 from $0.05 last year, and adjusted diluted EPS, excluding stock compensation expenses, was $0.28 compared to $0.07 in Q1 2024. Adjusted EBITDA increased to $4 million from $1.7 million. For the full year 2025, CoreCard expects revenues between $65 million and $69 million, with EPS between $1.10 and $1.18. For Q2 2025, projected revenues are between $16.2 million and $16.9 million, with EPS between $0.23 and $0.28. Professional services revenue for Q2 is expected between $8.4 million and $8.8 million. The company also noted potential impacts from the acquisition of Deserve by Intuit, which accounted for less than 3% of 2024 revenues.

CoreCard Financial Statement Overview

Summary
CoreCard's financial performance shows mixed results. While income statements indicate steady growth and profitability with a revenue increase, balance sheet concerns due to lack of equity figures and cash flow challenges with declining trends suggest issues that need addressing.
Income Statement
65
Positive
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
40
Negative
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
55
Neutral
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.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue57.40M56.00M69.77M48.25M35.87M
Gross Profit21.63M19.43M37.10M25.35M20.45M
EBITDA10.11M11.70M25.78M15.45M13.43M
Net Income5.45M3.40M13.88M9.04M8.16M
Balance Sheet
Total Assets62.34M63.83M63.23M58.15M57.02M
Cash, Cash Equivalents and Short-Term Investments24.89M32.15M25.37M29.24M37.96M
Total Debt1.82M1.12M1.98M2.71M1.99M
Total Liabilities10.64M11.12M10.47M14.27M12.87M
Stockholders Equity51.70M52.70M52.76M43.87M44.15M
Cash Flow
Free Cash Flow893.00K11.56M1.13M3.09M14.09M
Operating Cash Flow5.80M16.81M9.86M8.91M20.97M
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 Price26.31
Price Trends
50DMA
28.02
Positive
100DMA
23.95
Positive
200DMA
22.04
Positive
Market Momentum
MACD
-0.15
Positive
RSI
55.09
Neutral
STOCH
39.27
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 26.31 is below the 20-day moving average (MA) of 28.23, below the 50-day MA of 28.02, and above the 200-day MA of 22.04, indicating a bullish trend. The MACD of -0.15 indicates Positive momentum. The RSI at 55.09 is Neutral, neither overbought nor oversold. The STOCH value of 39.27 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CCRD.

CoreCard Peers Comparison

Overall Rating
UnderperformOutperform
Sector (62)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
78
Outperform
$2.42B22.1117.50%6.75%97.06%
70
Outperform
$321.85M53.0414.17%0.39%9.73%22.33%
65
Neutral
$1.28B-6.49%5.15%28.27%
62
Neutral
$34.85B5.63-12.19%2.01%5.91%-17.91%
61
Neutral
$2.59B-13.65%-8.82%90.01%
56
Neutral
$225.42M33.6913.10%12.31%187.89%
45
Neutral
$2.64B-32.09%
* Technology Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
CCRD
CoreCard
28.95
16.67
135.75%
PAR
Par Technology
60.78
11.75
23.96%
TRAK
ReposiTrak
16.81
-2.13
-11.25%
CXM
Sprinklr
9.01
-0.51
-5.36%
MLNK
MeridianLink
15.98
-7.11
-30.79%
BTDR
Bitdeer Technologies
12.89
4.58
55.11%

CoreCard Corporate Events

M&A TransactionsBusiness Operations and Strategy
CoreCard Merges with Euronet in $248M Deal
Positive
Jul 31, 2025

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.

The most recent analyst rating on (CCRD) stock is a Hold with a $15.00 price target. To see the full list of analyst forecasts on CoreCard stock, see the CCRD Stock Forecast page.

Executive/Board ChangesShareholder Meetings
CoreCard Holds Annual Shareholder Meeting on May 29
Neutral
May 30, 2025

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.

The most recent analyst rating on (CCRD) stock is a Hold with a $15.00 price target. To see the full list of analyst forecasts on CoreCard stock, see the CCRD Stock Forecast page.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Jul 31, 2025