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CORECARD CORP (CCRD) Stock Fundamental Analysis

NYSE:CCRD - US45816D1000 - Common Stock

27.67 USD
-0.23 (-0.82%)
Last: 8/29/2025, 8:10:38 PM
27.67 USD
0 (0%)
After Hours: 8/29/2025, 8:10:38 PM
Fundamental Rating

6

Taking everything into account, CCRD scores 6 out of 10 in our fundamental rating. CCRD was compared to 282 industry peers in the Software industry. CCRD has an excellent financial health rating, but there are some minor concerns on its profitability. CCRD has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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6

1. Profitability

1.1 Basic Checks

CCRD had positive earnings in the past year.
CCRD had a positive operating cash flow in the past year.
In the past 5 years CCRD has always been profitable.
Each year in the past 5 years CCRD had a positive operating cash flow.
CCRD Yearly Net Income VS EBIT VS OCF VS FCFCCRD Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M 10M 15M 20M

1.2 Ratios

The Return On Assets of CCRD (10.75%) is better than 87.94% of its industry peers.
CCRD's Return On Equity of 12.81% is fine compared to the rest of the industry. CCRD outperforms 79.43% of its industry peers.
Looking at the Return On Invested Capital, with a value of 12.16%, CCRD belongs to the top of the industry, outperforming 89.72% of the companies in the same industry.
CCRD had an Average Return On Invested Capital over the past 3 years of 15.06%. This is above the industry average of 11.98%.
Industry RankSector Rank
ROA 10.75%
ROE 12.81%
ROIC 12.16%
ROA(3y)12%
ROA(5y)13.17%
ROE(3y)14.43%
ROE(5y)16.48%
ROIC(3y)15.06%
ROIC(5y)16.56%
CCRD Yearly ROA, ROE, ROICCCRD Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 40 60

1.3 Margins

With a decent Profit Margin value of 11.35%, CCRD is doing good in the industry, outperforming 74.47% of the companies in the same industry.
In the last couple of years the Profit Margin of CCRD has declined.
With an excellent Operating Margin value of 14.47%, CCRD belongs to the best of the industry, outperforming 80.50% of the companies in the same industry.
CCRD's Operating Margin has declined in the last couple of years.
CCRD has a Gross Margin of 42.94%. This is in the lower half of the industry: CCRD underperforms 72.69% of its industry peers.
CCRD's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 14.47%
PM (TTM) 11.35%
GM 42.94%
OM growth 3Y-20.51%
OM growth 5Y-20.84%
PM growth 3Y-20.28%
PM growth 5Y-21.57%
GM growth 3Y-10.43%
GM growth 5Y-10.05%
CCRD Yearly Profit, Operating, Gross MarginsCCRD Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100 200 300

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10

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), CCRD is creating some value.
The number of shares outstanding for CCRD has been reduced compared to 1 year ago.
CCRD has less shares outstanding than it did 5 years ago.
CCRD has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
CCRD Yearly Shares OutstandingCCRD Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M
CCRD Yearly Total Debt VS Total AssetsCCRD Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

2.2 Solvency

An Altman-Z score of 16.02 indicates that CCRD is not in any danger for bankruptcy at the moment.
CCRD has a Altman-Z score of 16.02. This is amongst the best in the industry. CCRD outperforms 92.20% of its industry peers.
CCRD has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 16.02
ROIC/WACC1.08
WACC11.23%
CCRD Yearly LT Debt VS Equity VS FCFCCRD Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M 20M 30M 40M 50M

2.3 Liquidity

A Current Ratio of 4.96 indicates that CCRD has no problem at all paying its short term obligations.
With an excellent Current ratio value of 4.96, CCRD belongs to the best of the industry, outperforming 89.01% of the companies in the same industry.
CCRD has a Quick Ratio of 4.96. This indicates that CCRD is financially healthy and has no problem in meeting its short term obligations.
With an excellent Quick ratio value of 4.96, CCRD belongs to the best of the industry, outperforming 89.01% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 4.96
Quick Ratio 4.96
CCRD Yearly Current Assets VS Current LiabilitesCCRD Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

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3

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 216.22% over the past year.
The earnings per share for CCRD have been decreasing by -11.33% on average. This is quite bad
Looking at the last year, CCRD shows a small growth in Revenue. The Revenue has grown by 2.49% in the last year.
Measured over the past years, CCRD shows a quite strong growth in Revenue. The Revenue has been growing by 10.85% on average per year.
EPS 1Y (TTM)216.22%
EPS 3Y-8.08%
EPS 5Y-11.33%
EPS Q2Q%106.67%
Revenue 1Y (TTM)2.49%
Revenue growth 3Y5.96%
Revenue growth 5Y10.85%
Sales Q2Q%27.52%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y40.25%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year17.98%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
CCRD Yearly Revenue VS EstimatesCCRD Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
CCRD Yearly EPS VS EstimatesCCRD Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

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5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 23.65, which indicates a rather expensive current valuation of CCRD.
72.69% of the companies in the same industry are more expensive than CCRD, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 27.08, CCRD is valued at the same level.
With a Price/Forward Earnings ratio of 24.66, CCRD is valued on the expensive side.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CCRD indicates a somewhat cheap valuation: CCRD is cheaper than 69.50% of the companies listed in the same industry.
CCRD is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 22.72, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 23.65
Fwd PE 24.66
CCRD Price Earnings VS Forward Price EarningsCCRD Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, CCRD is valued cheaper than 85.46% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, CCRD is valued a bit cheaper than the industry average as 62.77% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 46.77
EV/EBITDA 15.2
CCRD Per share dataCCRD EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

4.3 Compensation for Growth

CCRD's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The decent profitability rating of CCRD may justify a higher PE ratio.
PEG (NY)0.59
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for CCRD!.
Industry RankSector Rank
Dividend Yield N/A

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CORECARD CORP

NYSE:CCRD (8/29/2025, 8:10:38 PM)

After market: 27.67 0 (0%)

27.67

-0.23 (-0.82%)

Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)08-14 2025-08-14/bmo
Earnings (Next)10-29 2025-10-29
Inst Owners41.42%
Inst Owner ChangeN/A
Ins Owners29.06%
Ins Owner Change0.21%
Market Cap215.55M
Analysts43.33
Price Target21.42 (-22.59%)
Short Float %5.51%
Short Ratio2.82
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)138.29%
Min EPS beat(2)71.57%
Max EPS beat(2)205.01%
EPS beat(4)4
Avg EPS beat(4)114.92%
Min EPS beat(4)71.57%
Max EPS beat(4)205.01%
EPS beat(8)7
Avg EPS beat(8)147.39%
EPS beat(12)9
Avg EPS beat(12)103.57%
EPS beat(16)13
Avg EPS beat(16)90.01%
Revenue beat(2)2
Avg Revenue beat(2)10.26%
Min Revenue beat(2)8.45%
Max Revenue beat(2)12.06%
Revenue beat(4)4
Avg Revenue beat(4)12.62%
Min Revenue beat(4)8.45%
Max Revenue beat(4)18.42%
Revenue beat(8)5
Avg Revenue beat(8)5.41%
Revenue beat(12)9
Avg Revenue beat(12)6.26%
Revenue beat(16)13
Avg Revenue beat(16)11.22%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 23.65
Fwd PE 24.66
P/S 3.53
P/FCF 46.77
P/OCF 21.89
P/B 3.99
P/tB 3.99
EV/EBITDA 15.2
EPS(TTM)1.17
EY4.23%
EPS(NY)1.12
Fwd EY4.05%
FCF(TTM)0.59
FCFY2.14%
OCF(TTM)1.26
OCFY4.57%
SpS7.83
BVpS6.94
TBVpS6.94
PEG (NY)0.59
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 10.75%
ROE 12.81%
ROCE 15.75%
ROIC 12.16%
ROICexc 23.99%
ROICexgc 23.99%
OM 14.47%
PM (TTM) 11.35%
GM 42.94%
FCFM 7.55%
ROA(3y)12%
ROA(5y)13.17%
ROE(3y)14.43%
ROE(5y)16.48%
ROIC(3y)15.06%
ROIC(5y)16.56%
ROICexc(3y)29.29%
ROICexc(5y)46.89%
ROICexgc(3y)29.39%
ROICexgc(5y)46.95%
ROCE(3y)19.51%
ROCE(5y)21.44%
ROICexcg growth 3Y-28.07%
ROICexcg growth 5Y-26.9%
ROICexc growth 3Y-28.07%
ROICexc growth 5Y-26.9%
OM growth 3Y-20.51%
OM growth 5Y-20.84%
PM growth 3Y-20.28%
PM growth 5Y-21.57%
GM growth 3Y-10.43%
GM growth 5Y-10.05%
F-Score9
Asset Turnover0.95
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr 159.46%
Cap/Sales 8.59%
Interest Coverage 250
Cash Conversion 81.29%
Profit Quality 66.57%
Current Ratio 4.96
Quick Ratio 4.96
Altman-Z 16.02
F-Score9
WACC11.23%
ROIC/WACC1.08
Cap/Depr(3y)124.94%
Cap/Depr(5y)169.94%
Cap/Sales(3y)10.15%
Cap/Sales(5y)12.34%
Profit Quality(3y)121.7%
Profit Quality(5y)114.39%
High Growth Momentum
Growth
EPS 1Y (TTM)216.22%
EPS 3Y-8.08%
EPS 5Y-11.33%
EPS Q2Q%106.67%
EPS Next Y40.25%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.49%
Revenue growth 3Y5.96%
Revenue growth 5Y10.85%
Sales Q2Q%27.52%
Revenue Next Year17.98%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y120.09%
EBIT growth 3Y-15.78%
EBIT growth 5Y-12.25%
EBIT Next Year200.92%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-5.36%
FCF growth 3Y-33.89%
FCF growth 5Y-36.88%
OCF growth 1Y-21.21%
OCF growth 3Y-13.36%
OCF growth 5Y-11.34%