CoreCard (CCRD) AI Stock Analysis

• Market Cap: $220.36M
• Dividend Yield: N/A
• Average Volume (3M): 49.13K
• Price to Earnings (P/E): 32.9
• Beta (1Y): 0.40
• Revenue Growth: 12.31%
• EPS Growth: 187.89%
• Country: US
• Employees: 1,000
• Sector: Technology
• Sector Strength: 79
• Industry: Software - Application
• EPS (TTM): 0.28
• Shares Outstanding: 7,786,679
• 10 Day Avg. Volume: 88,541
• 30 Day Avg. Volume: 49,131
• PEG Ratio: 0.31
• Price to Book (P/B): 4.71
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 220.01
• Enterprise Value/Market Cap: 1.04
• Enterprise Value/Revenue: 1.02
• Enterprise Value/Gross Profit: 9.07
• Enterprise Value/Ebitda: 6.11
• 1Y Price Target: $21.00
• Price Target Upside: -25.80% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 66 Neutral
• Price Target: $33.00 ▲(16.61%Upside)

CoreCard's solid technical performance and positive earnings call sentiment are significant strengths, driving the stock's appeal. Yet, valuation concerns and mixed financial health, particularly in cash flow and balance sheet transparency, pose notable risks.

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 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 Financial Statement Overview

Summary

CoreCard exhibits a mixed financial health. The income statement shows growth and profitability, but the balance sheet raises concerns due to lack of current equity data. Cash flow issues, with declining operating cash, further stress the need for improved financial management.

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
61.01M	57.40M	56.00M	69.77M	48.25M	35.87M
	Gross Profit
25.36M	21.63M	19.43M	37.10M	25.35M	20.45M
	EBIT
8.82M	6.54M	5.31M	15.40M	8.03M	11.29M
	EBITDA
11.36M	10.11M	11.70M	25.78M	15.45M	13.43M
	Net Income Common Stockholders
6.92M	5.45M	3.40M	13.88M	9.04M	8.16M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
27.64M	24.89M	32.15M	25.37M	29.24M	37.96M
	Total Assets
64.39M	62.34M	63.83M	63.23M	58.15M	57.02M
	Total Debt
1.60M	1.82M	1.12M	1.98M	2.71M	1.99M
	Net Debt
-20.47M	-17.66M	-25.80M	-18.42M	-26.54M	-35.96M
	Total Liabilities
10.34M	10.64M	11.12M	10.47M	14.27M	12.87M
	Stockholders Equity
54.06M	51.70M	52.70M	52.76M	43.87M	44.15M
Cash Flow		Free Cash Flow
4.61M	893.00K	11.56M	1.13M	3.09M	14.09M
	Operating Cash Flow
9.85M	5.80M	16.81M	9.86M	8.91M	20.97M
	Investing Cash Flow
-5.68M	-5.47M	-6.61M	-13.48M	-7.99M	-7.74M
	Financing Cash Flow
-6.01M	-7.64M	-3.65M	-5.33M	-9.58M	-1.64M

CoreCard Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 28.30
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• 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 28.3 is above the 20-day moving average (MA) of 27.09, above the 50-day MA of 22.63, and above the 200-day MA of 19.81, indicating a bullish trend. The MACD of 1.88 indicates Negative momentum. The RSI at 62.45 is Neutral, neither overbought nor oversold. The STOCH value of 54.77 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
CXM	75 Outperform	$2.06B	19.38	17.50%	―	6.75%	97.06%
TRAK	71 Outperform	$374.48M	61.72	14.17%	0.35%	9.73%	22.33%
CCRD	66 Neutral	$220.36M	32.93	13.10%	―	12.31%	187.89%
MLNK	63 Neutral	$1.22B	―	-6.49%	―	5.15%	28.27%
Sector *	62 Neutral	$11.80B	10.10	-7.47%	2.99%	7.37%	-8.16%
PAR	59 Neutral	$2.52B	―	-13.65%	―	-8.82%	90.01%
BTDR	49 Neutral	$2.49B	―	-32.09%	―	―	―

CoreCard Corporate Events

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.

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.